BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
These bureaus are falsely reporting alleged debt which is a FDCPA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FRCA

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 2018-03-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I responded to the XXXX XXXX XXXX to make a XX/XX/XXXX mortgage payment, where I was informed by the teller that my mortgage account was closed, unbeknownst to me. 

I received a letter from XXXX XXXX XXXX indicating that they sold my loan to XXXX XXXX XXXX. During that week, I attempted numerous times to contact Carrington Mortgage ( No answered-awful ) so that I could make my mortgage for XX/XX/XXXX, however, the phone continued to ring with no answer the phone. This went on for about 4 days, where I was able to speak with someone. 

The teller informed me that their were not a debt collector. I asked her what happen and why was my mortgage transferred to them, when I was never late with my mortgage payments. The teller informed me that XXXX XXXX XXXX was not following the proper procedures with the loan. She informed me not to worry that I would receive a letter from XXXX XXXX   XXXX welcoming me to their company with a statement to pay my mortgage for the month of XX/XX/XXXX. In any event, she also informed me that if I wish to pay my mortgage I could it on-line. After several attempts to make my XX/XX/XXXX mortgage payment, I was finally successful in making my mortgage payment. 

However, XXXX XXXX XXXX continues to call me requesting my mortgage payment for XX/XX/XXXX. I informed them that I was sending the mortgage payment via mail ( which I prefer ) and asked them why were they calling me. They called me again with the same request, I informed that I sent in my mortgage payment. I explained that maybe due to the XXXX XXXX we just had. Moreover, they continue to harass me with phone calls about paying my mortgage. When their is a 16 day grace period, in which, I have to pay my mortgage. 

Since the Loan Modification with XXXX XXXX XXXX in XX/XX/XXXX, I haven't been late or failed to pay my mortgage payment. I don't understand why XXXX XXXX XXXX continues to harass me repeatedly for no reason. 

I am not late with my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX is a fraudulent account that was furnished to my consumer report and file for TRANSUNION LLC this month. However, it states that this fraudulent account was opened on XX/XX/2021. I pulled my consumer report on XX/XX/2021 and it does not reflect this fraudulent account on my consumer report so why is TRANSUNION LLC lying about furnishing it in XX/XX/2021. I have attached letter to TRANSUNION LLC, FTC report, drivers license, and proof of address. I do not understand why TRANSUNION LLC continues to furnish inaccurate information that they know defames my character. It is stressful and causing XXXX  because I do not know what they will inaccurately furnish next. Its almost like they are purposely furnishing things in my name to keep me from being able to have credit extended to me.

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 2018-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
XXXX has reported on my XXXX XXXX XXXX. account that it is reposession even though it has been settled in full and no lien on the car and also have reported as of XX/XX/2018 as a credit card when it was a car loan ... ..also i have a issue with capital one for not removing my capital one account as late when the account is closed and is past the statue of limitations but XXXX has also reported the capital one auto finance account as a credit card when its a car loan as of XX/XX/2018 i have personally disputed capital one auto finance and XXXX XXXX with XXXX for the last 2 years and no matter how many disputes i mail them they refuse to remove either account from my report so i can not get a car

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: TX
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:
This account does not belong to me, please block and remove under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Sir, Discover Card closed my account because of non activity since XX/XX/2020. Coincidentally these were the COVID times where we are not venturing out much. 
My limit from XXXX $ goes to XXXX and account is closed unilaterally without any notice. 
I had a 20 years of building of this credit limit by purchases, balance transfers and timely payment and now I am advised to open a new credit card with a default few hundreds of dollars limit. 
I had plans to transfer my funds from other card on to this discover card and I was right timing that for this XXXX when they suddenly closed this account. 
This has my longest credit history built on getting erased, has increased my credit utilization and a new card will have much much less limit and opening will average down my credit history. This all will drastically bring down my credit score. 

Discover at no stage gave me a call explaining this and just closed the card. 
I have given about six calls to XXXX XXXX XXXX only to get one rude response after the other. 

My credit scores were rising all these days and has been GOOD, XXXX per XXXX 

This is unilateral and not a humane thing to do when people need all kinds of support in these Covid days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/, 2018 I had a fraudulent collection removed from my credit reports from XXXX XXXX XXXX. I have now discovered a collection agency XXXX XXXX has placed the same collection back on my credit reports. 

This debt is NOT mine and was removed, XXXX XXXX is in violation of the FDCRA by using illegal tactics to attempt to collect on unverified accounts that they do not own and was NOT assigned to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Name is XXXX XXXX my email is XXXX. My Cell number is XXXX. I have been a chase mortgage customer since XXXX of 2009 Chase keep denying my refinance loan first they claim their processing fee was too high. Now they claim my student loans even though I gave them a mortgage letter that shows them how much I pay monthly that I am in an income driven program and all student loan will be forgiven after 10 years of payments. I have been their customer for 11 years and I have the same student loans for 8 of those 11 years. My credit score is in the high 700s no other major debt. The loan is only {$50.00}, XXXX. If they decline my refinance which would actually make the payments lower and easier I would still remain their client because I am already a chase mortgage customer. This makes no sense at all to me and no one as a straight forward answer. I believe this is common practice of chase to prey on minorities. I have already pull a case that they have done this in another state. Something needs to be done. I have 11 years of on time payments with this bank. Why would you deny a defiance to a customer already a client for me simply for one reason to leave the customer with a higher interest paying loan because after the denial I am still your customer what is the risk for the bank?????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
At the beginning of XXXX, I went to send my son XXXX XXXX some money when I tried to send it, my account was blocked from receiving and sending. I was a little taken back when the customer service gave me a code 1007 and told me to call the western union. I called WU on XXXX and they gave me an email XXXX and I sent them all of my information, new address, date of birth and everything else. There is not a number to call and speak to someone in that department. So basically one is sharing personal information with an email. I would really appreciate some response. Very disappointed they still have yet to call me and explain that my account has now been unblocked. I have worked so hard and I send money at all times, still have not heard from anyone. I started from XX/XX/20 through to XX/XX/20. I have spoken with an XXXX XXXX also, I am very concerned not getting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
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:
XXXX has reported on my credit acceptance corp. account that it is reposession even though it has been settled in full and no lien on the car and also have reported as of XX/XX/2018 as a credit card when it was a car loan ... ..also i have a issue with XXXX XXXX for not removing my XXXX XXXX account as late when the account is closed and is past the statue of limitations but XXXX has also reported the XXXX XXXX XXXX XXXX account as a credit card when its a car loan as of XX/XX/2018 i have personally disputed XXXX XXXX XXXX XXXX and credit acceptance with XXXX for the last 2 years and no matter how many disputes i mail them they refuse to remove either account from my report so i can not get a car

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 2018-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was not mine. However I paid it and was promised it would be deleted from my report. I was provided a delete letter. It is showing on my Experian report. I request it is deleted immediately. The debt is from XXXX XXXX for {$260.00}

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 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX {$2700.00}. I first submitted my complaint to XXXX and Transunion on XX/XX/XXXX asking them to verify this unknown account. XXXX and Transunion both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX XXXX XXXX XXXX ) if I had additional questions. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX XXXX XXXX XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( XXXX and Transunion ) and XXXX XXXX XXXX XXXX How is that possible if they CANT validate with me the consumer but validate with the credit bureau .

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 2018-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting calls from number that says it is XXXX XXXX in XXXX. ( XXXX ) XXXX multiple times a week. If answered get rude people saying they are from Portfolio Recovery. Very deceptive and demanding of information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT.

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 2022-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I paid for two services that were misadvertised to me and when I contacted the bank they gave me provisional credit. Now they are taking it back and claiming I was incorrect to file the chargeback since I can not provide enough evidence. I am not a detective, my money is going to be stolen from me by the bank for a service XXXX wont be using which is ridiculous. So Im paying {$800.00} for yearly services I wont be using.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
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:
I would like to file the complaint as the way XXXX XXXX has worked on the dispute. 

Merchant provided the proof of payment but not the proof of service but still HSBC has settled the dispute in merchant 's favor. 

I bought attraction ticket which were not activated and had a mishap at the ticket window when the associate at the ticket window of attraction park told me that tickets have not been activated. 

I approached the merchant stating the same thing and they mentioned to me that they are investigating. 
After waiting for many days, I filed the dispute with the credit card company HSBC and explained them the situation with letters in details explaining the scenario. 

But, HSBC settled the dispute in merchant 's favor based on the payment receipt which is in no way able to confirm if the valid tickets ( merchandise in this case ) were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, I noticed a {$2.00} monthly " minimum charge '' on my XXXX XXXX Credit Card. I initially thought this was a mistake as I had paid my balance in full XX/XX/XXXX. Come XX/XX/XXXX, I saw the fee racking up each month and called them. They said they experimented with a new fee structure in the summer that charged interest over time ( even when the current balance was XXXX ) instead of charging them per month based on balance owed, like most credit cards do. They said this quickly became unpopular with customers, so they assured me they would adjust the balance to XXXX and that I need not worry. My statement for XX/XX/XXXX still showed a balance, so I called again. They adjusted the balance and again assured me this was taken care of. I saw my statement and it did reflect the fee adjustments, but they charged the entire balance anew, essentially voiding the prior adjustments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-11
Company: Experian Information Solutions Inc.
State: IN
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 was going through my Experian credi report an found multiple hard inquiries that i didnt do or authorize. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/21 I did not do any of these nor do i know who did.. I need some help getting this removed from my credit report

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 2018-09-07
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I took out a loan at XXXX for XXXX was paying back XXXX a month after XXXX payment which was a total of {$3800.00} I was under the understanding I was finished paying the loan back. As time went by XXXX XXXX was never on my credit report. Then this year in XX/XX/XXXX a lawyer from D SCott Carruthers contacted me to settle a debt that they say i owed of XXXX when my husband asked who the debt was from they said XXXX XXXX. we asked to send proof at the debt nothing was ever sent.Two months passed and in XX/XX/2018 the lawyers from D Scott Carruthers was calling 4-5 times a day demanding payments, then they started calling my place of business 4-5 times a day which i told them to do not call me at my workplace and my husband trying may attempts to try to resolve the issue at this time my husband was trying to Negotiate with them a payment plan since my husband is out of work and we are a single family income. They started threatening him with if you dont pay today we will take you to court and garnish your wedges if you dont pay XXXX XXXX up front we will take you to court and make you pay and make you pay paper fees and court fees my husband state we could pay XXXX down make monthly of no more that {$200.00} payments which is financial burden at this time and settle at no more than {$5000.00} and she stated they would think about it that was on a Friday XX/XX/XXXX they called back that Monday demanding XXXX down at {$380.00} a month settle at {$9000.00}. My husband re explained we didnt have that kind of money and she state if I dont hear a response by the end of the day I will file a judgment take to me to court and garnish my wedges. This was the last time we talked to her as of XXXX XXXX. D Scott Carruthers has never sent us anything and we really have no way of knowing how much the debt really is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX, XXXX, and Experien keep reporting XXXX on Credit, XXXX XXXX XXXX XXXX and XXXX XXXX as bad marks on my credit files. I dipute all of these in the past and they were removed. They just change the name of the debt collectors and re report 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 2018-03-14
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX, Equifax, and XXXX keep reporting XXXX on Credit, XXXX XXXX XXXX XXXX and XXXX XXXX as bad marks on my credit files. I dipute all of these in the past and they were removed. They just change the name of the debt collectors and re report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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 is missing that should be on the report

Complaint:
I already contact the collection company and been paying that account. They told me if I still paying that they will made a good report to the credit bureau because I want to buy a house. 
The other is that I already pay my house that I sold out about 1 year ago. Have 2 mortgage I don't know why. The house is sold out in good standing and I see that still appears that I owed that I already paid it why is not in my credit report and my credit report still in XXXX or 500 something. This is insane, you people are the worst credit bureau that I ever know. I'm going to report this, I know people that want to start again and can't for you. My wife and I want to buy a new one and we can't for this

Company response to consumer: Closed with explanation