BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-30
Company: ProCollect, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX I called ProCollect to discuss a letter I received that whet to a wrong address. The collector didnt notify me that the call was recorded until after they had my account pulled up. They didnt have me verify any information to prove I was the consumer. They refused to give me a manager. The collector told me that they report on the first of the month after the account has been there for 30 days which would be XX/XX/XXXX. I advised that I would call back and the collector said that I was refusing to pay even though I told her I wasnt refusing. I called back later on XX/XX/XXXX with a 3rd party on the line. The collector again didnt say the call was recorded until the middle of the call. They refused to let me give permission to speak with the 3rd party. They didnt verify I was the correct person again. They also refused to give me a manager on that call and hung up on me. On XX/XX/XXXX an unauthorized 3rd party called them and said he was my husband. They didnt have him verify to make sure he was an authorized party. The collector then told the unauthorized 3rd party that they reported my account as soon as they got it. They refused him a manager. The collector then proceeded to keep talking over him and wouldnt let him ask questions. The collection agency then called me approximately 3 hours later on XX/XX/XXXX after they already talked to someone about my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called XXXX today and spoke to rep XXXX, the confirmed receipt of the letter, ftc and police report I sent. They even waived the late fee for XX/XX/XXXX and said that the have already submitted a request to investigate last XX/XX/XXXX which will take 30 more days to complete! This is unacceptable! EVEN FCRA 605B states that the account linked to any ID THEFT MUST BE REMOVED WITHIN 4 DAYS by the credit bureaus! More over, It has been more than 30 days and yet, I received nothing from the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My spouse passed away on XX/XX/18 after an unexpected illness. They established an executed Living Trust, Power of Attorney For All Assets and Last Will & Testament clearly indicating that I am the sole Executor of their estate. For over 1 1/2 months I have been in contact with Capital One to gain access to my legally owned accounts since they become my property immediately at the time of their death but to no avail. Pursuant to Capital One 's request, I provided a copy of the official death certificate as well as executed copies of the Living Trust, Power of Attorney and Will. However, Capital One claims they do not accept executed Living Trusts even though it is an appropriate legal document. The other 8 financial institutions I needed to deal with readily accepted all of these documents without issue. After numerous phone calls and emails, Capital One required I resubmit my " Letter of Direction '' 3 different times after requesting changes as well as requiring a notarized/executed " Affidavit For Small Estate Transfers Without Probate ''. I have been informed that my " Letter of Direction '' is now acceptable, however, they keep requesting the notarized/signed Affidavit For Small Estate Transfers Without Probate that I have sent to them on 4 separate occasions, please see attached email copies PDF. I am filing this complaint due to Capital One 's unwillingness to resolve this matter in a timely and professional manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My x girlfriend and her boyfriend put XXXX XXXX  in my name amongst other things, I've handled everything, but this company trying to collect it called SUNRISE CREDIT SERVICE Wiped it clean, if I signed up with XXXX XXXX, HE FIXED IT THEN SAID WELL NOW U HAVE TO PAY A MEMBERSHIP FEE AFTER HE DID IT, ITS ALL A BIG SCAM, AND JAMMED UP MY CREDIT, I PAY ALL MY BILLS AND MY COLLEGE TUITION WILL BE PAID OFF XX/XX/XXXX WHICH IS MY LAST DEBT, ID LIKE TO BUILD A HOUSE BUT THESE CROOKS HERE KEEP DROPPING AND BRINGING IT BACK, WILL YOU PLEASE STEP IN AND HANDLE THIS, ITS NOT EVEN MY DEBT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

11 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had asked XXXX XXXX, the issuer of Pep boys Credit Card, to remove old information from credit reports ( All three bureaus ) and they had failed to do it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Yes, I have called you guys during the month of may or so, for the covid 19 help, and the guy spoke to me saying that I won't get any interested charge not until XXXX, since you guys wanted to help me during these hard time. and you guys send me a letter saying that you guys would push it all the way until next month .... so why am i still being charge for an interest on XX/XX/2020? 

I have also contact someone today ( XX/XX/2020 ) and he doesn't seem to know what going on and he told me that it would take him 3 minutes to look up everything but i waited 20 mins just to get a response back ... so you guys are lying to me and don't know how to keep track of time, I hope the whole world see this complaint!! 

I also dispute many and all of these XXXX transaction since i never gotten the item from them and they closed my account before i could even make a purchase ... ..so why am i stll being charge from XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I sent letters to a credit bureau. This. Credit bureau did not, send a reliable response. Personal data with. A formal letter was sent to. 

Credit bureau says not enough personal data. After sending, first last name creditor numbers in. The credit report and. A formal, letter about creditor disputes. Personal data was sent to credit bureau. Also. Theres toll free phone numbers. No one answers, until you input. In all of. Personal data in. Does not, go directly to a live person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an eviction filed in my name with XXXX XXXX XXXX XXXXXXXX XXXX. I checked with the court and my name is clear. I called the apartment, they said to dispute it like they didn't care it was on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had an open credit card account with XXXX XXXX XXXX and I have not been late on payments on this credit card ever since I applied for it on XXXX of XXXX. On XXXX of XXXX, I have made a balance transfer on this account from a 0 % credit card to help lower my debt, interest charge and pay off the credit card rather. Few days after making the transfer, XXXX XXXX XXXX XXXX XXXX XXXX have decided to lower my limit, putting my credit card balance below the limit, which have resulted to lowering my credit score and making it impossible for me to qualify for other credit card account with 0 % or any other type of loans. After multiple attempts to arrange the situation, XXXX XXXX XXXX have decided to close the account on XXXX of XXXX. 
On XX/XX/XXXX, I reached an agreement with XXXX XXXX XXXX to pay off the account by making periodic payments of {$500.00} every month with the condition that the account was brought up to date by making a payment of {$300.00} that day and that the previously setup automated of {$200.00} every month would be deleted to avoid having to pay twice every month. XXXX XXXX XXXX did not follow through the agreement and kept charging my account with the {$200.00} payment on the XXXX of the month. After discussing the issue with them, they agreed to reimburse me the payment of {$200.00} to my account and make sure that any late fees associated that resulted from this to be reimbursed and any reporting ( 30 days late ) to be deleted off the my credit report by contacting the bureau. This still has not happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After recently signing up for " XXXX XXXX '' to try and improve my credit score ; I noticed an unfamiliar debt ; that had entered into collections. Note ; at first I assumed it was an old debt of mine, as I did have a XXXX XXXXXXXX card, back in XXXX ( closed by XXXX ). 

The collection agency sent me " validation of debt '' paperwork including an account statement ; the statement did not refer to my full legal name, and was using an address I had not lived at in over 5 years. 

I recently was rejected by a bank for a loan, and she said this collection was the sole reason ; and I needed to deal with it. 

I have tried several things to get them to REMOVE THIS INVALID DEBT ; thus far to NO avail. 

I did not authorize, receive, utilize or have knowledge of this account. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called chase in order to get a credit limit increase on both of my cards, one ending in XXXX and the other ending in XXXX. 

The representative pulled my credit TWICE and told me I was approved for a credit limit increase of XXXX in my card ending in XXXX and XXXX in my card ending in XXXX. 

Upon checking a week later my credit limit was not increased to what was I was told over the phone by the customer service rep. 

I called back and spoke with a representative who told me he would have a manager pull the call and listen and get back to me within 7 days. ( I also have the call recorded so I know exactly what was said to me ) Its been over 2 weeks and I never heard back so I called AGAIN on XX/XX/2021 and spoke with a representative who told me and I quote " I can see that the credit limit increase should have been XXXX and XXXX I am not sure what oversight happened that this is not reflecting '' This rep proceeded to put me on hold to go ahead and reach out to a " supervisor '' Upon speaking with said " supervisor '' XXXX proceeded to lie to me over and over again. Giving me false information to suite his agenda and proceeded to tell me that I should run my credit again. How unprofessional, if it was not for the CFPB having the backs of consumers people like this supervisor XXXX will continue to walk all over consumers. I now have 2 inquires on my credit right now and the credit limit I was told I would have is not shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Bank of america closed my XXXX debit card and I still have money on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that HUNTER WARFIELD would verify the debt. So I took it upon myself to ask HUNTER WARFIELD for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't agree with the Experian Ruling on my credit report from XXXX XXXX XXXX. It is based upon one single late payment in a 16 year credit history. This late payment was because of a divorce and subsequent change of address and one single failure to pay because my ex wife and a fraud was on this card, the reason why I failed to pay was because of an XXXX XXXX committed with my financials concerned at the time, both of which purps are still in business. The failure of XXXX XXXX XXXX to let this go shows great animosity on the behalf of the XXXX XXXX and a failure of fair reporting. One late payment which is now over 6 years old should not be affecting my credit report for this long nor should it bring it down by 60 points. Can you regulate them properly now? 
Thanks. 
XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Professional Recovery Management
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
FOX COLLECTION CENTER is reporting a medical debt that was paid by my attorney during a settlement with the original debtor. I have tried to get this removed thru the XXXX  dispute center. Fox Collection Center responded that the debt was verified. They did not say how it was verified only verified. I have complaints from others that the Fox collection center goes out to an electronic bulletin board and purchase account without even verifying that these debts are still unpaid.

Company response to consumer: Closed with explanation