BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-29
Company: U.S. BANCORP
State: CA
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:
SOMEONE GOT A HOLD OF MY PERSONAL INFORMATION. AFTER PULLING MY CREDIT REPORT I NOTICED SEVRAL INQUIRIES OVER THE LAST YEAR THAT II DID NOT APPLY FOR OR AUTHORIES ANYONE ELSE TO APPLY FOR ANY CREDIT IN MY NAME. I HAVE FILED A POLICE REPORT WITH MY LOCAL AUTHORITIES AND HAVE SUBMITTED AN FTC AFFIDAVID IN REGARDS TO THIS MATTER. AND NOW I AM SUBMITTING A COMPLAINT WITH YOU TO HAVE THESE ITEMS REMOVED.

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 2020-10-20
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Paypal Ref ID - XXXX Following my previous complaint and I had to close the Paypal account which was compromised and opened a new one. I have no choice since XXXX and Paypal are tired together and controlling the money transfer ( this monopoly has to be stopped! ). Paypal is acting likes a bank and collecting all personal info ( without appropriately protecting their users ) and help my money for over a month. It ; s as usual, we are never able to speak with any their staffs, all messages were answered by " copy and paste '' even though I provided all they asked for, they still wanted to hold my money for another 5 days until they finish " review. '' If I would had a choice, I never wanted to deal with Paypal!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am reporting predatory loan practices from AES/PHEAA. I am the cosigner on my son 's student loans through AES/PHEAA in Pennsylvania. The school XXXX was attending was XXXX College. He has paying on his loans for several years, I believe since 2009 ( although sometimes late but the late fees are typically less than {$5.00} ). There are two loans and AES is showing them both current but PHEAA is  saying he is {$600.00} in arrears and they will garnish his wages at the end of this month. I believe that someone at AES is either misapplying the payments or worse, pocketing them into their own account. The reason I believe this is that the original loan amounts were {$4700.00} and {$5300.00} but have only gone down to {$4300.00} and {$4800.00} after all these years. They also turned us in to a credit agency and my credit score was lowered due to AES 's improper accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: AMERICAN HONDA FINANCE CORP
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
We leased a new XXXX XXXX XXXX XXXX from XXXX XXXX Honda. We returned this vehicle to the dealership and received formal notification of the vehicles return on XX/XX/XXXX. On XXXX XXXX XXXX we provided a check for XXXX to Honda Financial services for the Virginia property taxes on the vehicle for XXXX. At the time we turned in the vehicle we actually purchased a new XXXX XXXX from the dealership which we still own and make payments for to Honda financial services. 

Honda Financial Services received a property tax bill from the County of XXXX for the XXXX property taxes on the vehicle that we turned in in XXXX XXXX for {$230.00} due on XXXX XXXX, XXXX. Honda Financial Services paid this tax and now they are apparently attempting to bill us for the XXXX property tax on a vehicle we turned into them in XXXX of XXXX. 

We have informed the company repeatedly of this problem and they keep sending us letters saying we owe the tax. We do not and refuse to pay Honda Financial Service for a vehicle we do not own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
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 want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. The bank already agreed to update the status of this account to Open/Never Late : XXXX XXXX XXXX Please repair and update.

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 2021-08-20
Company: The CMI Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have filed numerous disputes with Trans Union for incorrect listing on my public record they keep saying that a XXXX XXXX bankruptcy is coming back as verified as accurate. No one at Trans Union can seem to tell me where the information is coming back accurate from the courts Ive called them they do not verify if any information with the credit bureaus. Trans Union says they do not know where they are getting the information verified back from

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 2021-08-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have attached 3 accounts that are reporting inaccurate information to my credit bureaus. As per the FCRA anything information reported in my name which comes from the same source should be accurate. Please delete the accounts that are reporting inaccurate to my credit bureaus. I have attached the accounts and highlighted the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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: Account information incorrect

Complaint:
I have filed disputes in regards to the incorrect items on my credit report. It has been over 15 days and I haven't received any results to my validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I reviewed my credit report, I discovered that these inquiries were erroneous. The Credit Bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-11-06
Company: EQUIFAX, 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:
I am a victim of identity theft and have tried to work with credit bureaus but they are not budging and allowing this to hurt my credit profile. Please help me fix these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter dated XX/XX/21 on XX/XX/21. This is part of a workman 's comp which was taken care of. Professional Finance Company called me on the day I received the letter and on XX/XX/21. I did not have time yet to send a dispute letter. They are suppose to give me 30 days under the FDCPA.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: DISCOVER BANK
State: FL
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:
Discover Financial Service recently approved me for a Discover account. Upon approval immediately my account was sent to Charge Verification Department requirements are three months of Bank Statements. I have since sent Discover one of my bank statements ( I hold multiple accounts ) I have faxed them four times and uploaded them once. Each time I call and check to see if they have received the documents they advise me that once they do an email will be sent. It has been over a week and not one person is willing to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Per Ditech 's response of the last dispute. 

We have found the information to be lacking in information to back the findings. We are attaching the statements for the 14 months of Interest Only payments on a Simple Interest loan. We find it hard to believe that payments over this period of time could all go to interest when some payments are clearly made less than 30 days apart. We since went through all 20 years of the statements we have collected and found these statements from XX/XX/XXXX to XX/XX/XXXX to of great concern. We have also attached the response from Ditech in the words of their own Paralegal XXXX XXXX " that the months where no principal was applied, payments were generally more than 30 days from the last payment made or past due interest was owed ''. Then states to " please refer to the enclosed payment history for breakdown of the payments applied toward principal and interest '' Yet there was no 'enclosed payment history ' for us to review. 
Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by PORTFOLIO RECOVERY on a daily basis, multiple times a day. Seems just shy of being harassment. After reviewing my credit report I believe that this is an attempt to collect a debt, but unfortunately, I have disputed this debt before through the credit bureaus asking for validation/verification that I actually own the {$310.00} worth of debt with physical documentation containing my signature, with no success. Therefore, I ask that PORTFOLIO RECOVERY deletes their negative information from all three of my credit reports because according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting bureaus and collection agencies 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 ) the credit  bureaus and collection agencies have on file of the accounts listed above. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed above. 

I demand the following accounts be verified or removed immediately from all three of the major credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX  XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX  account # XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A. section 2 states that 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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 has an open account on my credit report which I challenged with XXXX  XXXX. I filled out complaint form and requested written verification of debt 15 USC 1692g sub 809 ( b ). This company does NOT have my permission to open an account using my information. I have NOT done business with this company and they have NOT produced a wet ink contract between myself and said company.

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 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - NAMES ARE NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX < -- - ADDRESSES ARE NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ( XXXX ) XXXX ( XXXX ) XXXX < -- - PHONE NUMBERS ARE 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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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 U.S.C 1681. XXXX  Name : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX. 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. 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 2020-10-20
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was behind with the payments, and in XXXX of XXXX i made one payment and i explained when i will make the other payments, and yesterday my car was parked on the street, and when i saw the towing guy took my car, and i said pls wait until i call the bank and he does not want to wait, i call the police and the tow guy just step on the car and run. 
i spoke with some agents to the bank and one person said to me whatever we agree verbally is not valid, and the rates that im paying is 11 % and i have paid more 75 % of my loan. i think every person have a right to speak with the before take my car ... .my monthly payees is {$38000.00} and have to pay is 4 months, and they charged fees over and over even when i explained and agree to, because this covid19 we where inside on the house and we could not work. the amount i still own is like {$7000.00} I purchase the car back on 2015 in {$23000.00}, i think every person has a right to breath and put action when this think happens, and need law and order for all, humans rights also most be in effect for every 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 2020-12-31
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 information incorrect

Complaint:
I have contacted capital one several times to please update my information since I have paid the off and they have not. There is old information on my credit that should be removed and it is not removed. This is preventing me from obtaining credit as they are keeping my score in an unfair really low number. It is preventing me from obtaining fair credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: EQUIFAX, INC.
State: LA
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 have sent multiple disputes to XXXX, requesting they validate and verify accounts within my credit file. I sent a dispute on XX/XX/2018 requesting validation and verification persuant to the Fair Credit Report Act Federal Law 15 U.S.C. 1681. This law states that my credit file must contain 100 percent accurate information. There is no way to tell if the information within my file is accurate if I am not given evidence or verification of the accounts when requested. Sending a copy of an itemized bill IS NOT verification of a personal debt. Verification must be a contractual agreement between myself and the creditor furnishing the information to my credit file. XXXX  repeatedly ignores federal law and has never provided me with such evidence of the validation or verification of the debts I have requested.

Company response to consumer: Closed with explanation