BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-19
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The calls started in early XX/XX/XXXX and I didnt speak with them until XX/XX/XXXX.

On XX/XX/2018 at XXXX, I received a call from XXXX XXXX an Account Manager from XXXX XXXX , XXXX . She explained a debt was placed in their office. THe debt that was placed in their office was originally held with the XXXX XXXX XXXX, another credit agency. I was resolved from the debt in XX/XX/2017 because the Bureaus could not verify that I owed the debt.

Although I explained the debt is not valid and since it can not be verified, it is removed from my credit report, they still call me and still send me letters.

I don't know how to keep them from reaching out to me about a debt I do not owe.

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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ) XXXX XXXX ; XXXX ) XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
made one {$200.00} payment over phone and they withdrew 4 payments of {$200.00} on monday XX/XX/XXXX... we called they said they would call me back in a few mins.they never did.so i checked my checking acct. tuesday XX/XX/XXXX they re turned 2 of the payments that where illegally took on the XXXX but fifth third took another payment on the XXXX fifth third took a total of 5 {$200.00} payments when i only authorized 1 payment of $ XXXX.and told me i have to call in 7 day and begg for the return of the4 other payments fifth third took using an illegal wire transfer that fifth third use to steal my money in the first place... so i cant pay my bills and she said we could always cut your credit line on you! so even though i have had that acct. 10yrs. plus i great standing fifth third is going to threaten me because of something they did that is illegal! Please HELP!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-23
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I'm being inappropriately being denied Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) ( passed under The Consolidated Appropriations Act, 2018 ) by Fed Loan Servicing and the Department of Education. I have had years of miscommunication regarding the original Public Service Loan Forgiveness program and found that that I qualify under the TEPSLF I requested that Fed Loan Servicing conduct a
payment audit in XXXX XXXX to document my payment history and received that documentation outlining all payments.

I received official documentation from Fed Loan Servicing in XXXX XXXX that acknowledged that I needed seven more payments to qualify for the TEPSLF, therefore I made payments ( some credits earned during Covid forbearance ) and received credit and reapplied to the TEPSLF in XX/XX/XXXX after meeting the requirements previously stated to me in writing by Fed Loan Servicing in XXXX XXXX and today the Department of Education sent me an email stating that in XXXX there were 12 months of payments that were made while my account was in forbearance and because it was in forbearance those payments will not count. I don't recall putting my accounts in a year forbearance, I think this was done in error by the servicer because why would I continue to make payments on an account that was in forbearance. Also Fed Loan servicing did an audit of my payment history and communicated that seven more qualifying payments were needed. I satisfied that requirement as outlined in the XXXX XXXX Fed Loan Servicing Letter and the loans should now qualify under the TEPSLF. I received a new official letter today ( XXXX XXXX, XXXX ) stating that I need eight more payments. I have NO confidence in any information I receive from Fed Loan Servicing because last year ( XXXX XXXX ) they said I need seven more payments, I made those payments and now ten months later they say I need eight more payments. They keep moving the finish line ; this is unfair and deceptive practice and serving mismanagement and incompetency at best.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Truist denied my online application for a checking account based on hearsay form XXXX XXXX. I did not give Truist the right to obtain contact a third party to obtain alleged information about me. Truist violated the FDCPA and is liable for this violation of my privacy.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
These companies has furnished my credit for so many years to a point I cant buy a home, get a vehicle for me and my family, nor any loan. Which they violated my rights as a consumer

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 2017-12-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a foreclosure date set forXX/XX/XXXX and my modification has been going on sinceXX/XX/XXXX until now. Has gone through 3 servicer 's, started with XXXX for a year, they sold to XXXX XXXX XXXX for 3 months and I have had a lawyer for the last XXXX XXXX. The last servicer, XXXX has had it for 2 years and have been saying I do n't make enough money for a modification, not true the numbers show I make enough. I have written down and dated documentation of conversations and events through out the whole circus with these servicer 's. They say we did n't receive this or resend that, then they say we have everything and transfer it. My lawyer says my options are taking a chance with the judge, paying a XXXX to reinstate or foreclosure. From surfing the internet I have seen many ways to stop this foreclosure, this is how I found you. I just do n't trust my present lawyer anymore because he is not even discussing all my avenues. I just got married 2 years ago and it is really weighing in on my wife and I. I am XXXX XXXX, XXXX XXXX XXXX and maintenance and pretty rooted in here at my home with 2 garages, a lot of equipment and my snow removal route is designed to do a circle around the house. I have a commercial blower on the front of my tractor and just drive it around in a big loop at 15 MPH. I have 5 apartments, 2 buildings same location, and applied for a modification for that property in XXXX and got it so I decided to apply for a mod with my home. XXXX started reporting to the credit bureaus back in XXXX as being late and also said foreclosure initiated, this has dropped my score incredibly. I have equity in my apartments but ca n't use it to reinstate because I ca n't get an equity line because of the late 's on my report, so XXXX has really XXXX my. We desperately need to keep our house and I am willing to fight for it. I pay all my bills on time and just want to pay for the house as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: Monterey Financial Services LLC
State: SC
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2019, 2 XXXX XXXX salesmen came to my door to shampoo 3 rooms, and I let them. Long 3 hours went by, and I knew my credit would not be approved because I was not working, my husband is the only one. So, I said sure, run my credit. Well, a few min later, they said I was approved. I asked the salesman how, and he said they only used my info, but used my husbands earnings. Anyway, later that night, I explained to husband, he said nope, they jipped me. In the meantime, I was supposed to go on my email to sign the financial loan documents. I had 3 days to rescind and give vacuum back. I looked on my email, started doing paperwork, then I quit. I was asked on a form for my drivers license info, I actually never finished the paperwork. I also in the meantime tried to contact the salesman to please come back and get vacuum. I could not get him, his boss. I tried for over a week. Well, after that, one of the reps from XXXX said that Monterey Financial needed my drivers license info, that I needed to call them or the contract was void. I never gave them info, and never actually seen a contract containing my interest or anything. The XXXX salesman had put all my info in the site and set me up for auto pay. Long story short, a couple months passed, I got out the owners manual to learn how to use the attachments. I found a copy of my credit app folded in it. The salesman had wrote in that I got XXXX a month XXXX!! Really!! Its such a ripoff all the way around. Please, please help with this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Capio Partners, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
I XXXX XXXX a natural person is requesting pursuant to 1692g, the Method of Verification for the following disputed account ( s ) : ( 1 ) XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. 
This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identity item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit accounts, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage.

I have attached all identification documentation to provide my identity so please do not slow this process down! 
Best Regards, XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of unauthorized credit inquiries on my TRANSUNION, XXXX, and XXXX credit reports. My latest credit report shows 18 credit inquiries that I did not authorize.

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 2023-01-05
Company: EQUIFAX, INC.
State: NY
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 value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: SYNCHRONY FINANCIAL
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft SYNCB/JCP Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX, XXXX. 
Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.

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 2023-03-02
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my first action taken, calling them by past experiences with debt collectors would only result in a futile conversation over my owing the debt and nothing would be resolved. 

According to them, Convergent, I supposedly contacted them on an issue of an ID/Theft claim. Then I was directed to call XXXX in regards to a Mobile service subscribed to me, and to file a claim. 

I never subscribed, purchased or contracted any mobile services from XXXX. 

The claim against me by Convergent was dated in a letter sent on or about XX/XX/2023. The following was enclosed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Convergent XXXX XXXX XXXX XXXX  Account Balance {$190.00} Collection Cost {$840.00} Total Owed {$1000.00} Again, I have no recollection of this debt, verbally or in writing : its not mine, I never contracted with XXXX XXXX for any services. 

I am attaching a file, please disregard the letter to " XXXX XXXX XXXX XXXX XXXX '' which happens to be included in this file.

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 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong 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 2019-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I leased a XXXX through XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX when I turned the car in after receiving military orders to deploy overseas. I obtained an Odometer Disclosure Statement ( attached ) when turning the car in and the dealership faxed the information to XXXX XXXX. The attachment/fax also has the finance director 's information who accepted the vehicle and faxed the information to XXXX. In XXXX timeframe, I received a notification on my credit report that I was 90 days delinquent on my payment. I called XXXX XXXX and they stated it was an error and they'd take care of it. It will take roughly 90 days for it to reflect on my credit report ( XXXX  ). The delinquency still remained and I called back a few months later. They once again said they'd fix it. I submitted a complaint through the Consumer Financial Protection Bureau at the end of XX/XX/XXXX and ironically on XX/XX/XXXX, I receive a notification from Trans Union that I am 90 days delinquent on this account. How does this delinquency error show up on a separate credit report, now bringing down a second credit score, 16 months after turning the car in? This error needs to be fixed ASAP as I, as any citizen, shouldn't be dealing with this. But I definitely shouldn't have to deal with this will overseas fighting for democracy. 

This is my second complaint. The first was the XXXX not removing the delinquency from XXXX. This complaint is XXXX has now sent the delinquency to Trans Union after I submitted my first complaint and 16 months after turning in the car. I will never do business with XXXX again!!! They have lost my trust.

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 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My brother sent me an antique clock by XXXX from New Hampshire to my vacation home in XXXX XXXX XXXX, XXXX. The charge was {$400.00} for this clock. This was sent on XX/XX/23. 

The clock never showed up and got stuck at customs in XXXX, XXXX. XXXX said they couldn't deliver the clock and were going to send it back to NH. I told them to send it to my main residence in XXXXXXXX XXXX instead where my inlaws live as well. 

XXXX never mentioned there would be any charges to reroute the package since they wouldn't deliver it to the original destination as promised. They just said to make a XXXX account and they would send it to that address. I did this then all of a sudden a week or two later I found a {$1400.00} charge on my Capital One  credit card on XX/XX/23. 

This is a fraudulent charge and I never authorized any additional charges other than the original {$400.00} charge to ship from NH to XXXX. 

I have made numerous attempts to dispute this charge and fraud by XXXX to Capital One and neither company will do anything about it and say because we signed up for a XXXX account that gives them the right to charge whatever they want, which is absolutely absurd. It is approximately 30 miles from XXXX, XXXX to XXXXXXXX XXXX and they just decided to charge whatever they wanted without informing me or telling me there would be any charge whatsoever. 

I have email proof of all this and attached all kind of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Experian Information Solutions 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 just noticed that there have been several inquires that have been added but someone that have stolen my information. THIS IS FRAUD

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