BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
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:
I am a victim of identity theft

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 2017-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
On XXXX my made a payment to my credit card for me since I was low on funds for the weekend I Then received email from capital one showing me the last four digits of her debit card and that her debit card is now linked to my account I did not want that I did not authorize it and this was a one time only payment and she did not authorize a linkage either I tried to talk to somebody about it and they told me I had to go online I went online there was no option to unlink I chatted with a guy named XXXX who told me to call IT and I finally talk to the supervisor team XXXX and they can not do anything about unlinking her financial information which we did not authorize I do not want it on there what if the company is hacked somebody would have access to her credit card this is Fraudulent behavior and predatory

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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:
This compnay started to contact me a couple years back saying i owe on multiple debts that I do not recall. I have sent them ans the credit agencys mutiple validation letters requestion proff these are my accounts. They havent showed me proof at all. they keep sendinf summarys of these accounts. they havent showed my the contracts for thr origanal debt or any significant proof i am assocaited with these 3 collections. I will like these accounts to removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: EQUIFAX, INC.
State: IL
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:
Inaccurate information on my credit pay status balances, example a collection agency that the vendor was paid direct I don't owe the collection agency. 

a loan reporting late but has never been late and is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Trying to get PMI removed from my loan as the market around my home has gone up considerbly in the last 3 years. 



I was originally told the appraisal would cost {$470.00} from XXXX XXXX XXXX after sending in a letter in the mail to request an appraisal to remove PMI. I sent in the check for {$470.00} and XXXX increased the price to {$780.00}. I have been trying to contact XXXX on the phone about this but whenever I get through the maze of menu prompts they hang up on my after waiting to speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: EQUIFAX, 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:
My original complaint was submitted in XX/XX/XXXX. Equifax, after taking an additional 30 days to investigate, did nothing to resolve the dispute regarding a fraudulent account with XXXX XXXX XXXX. It was reported with several different addresses for this one account, which I never lived. 

I have been denied credit and housing because of this negative item as previously complained in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received any information with respect to this debt prior to it being placed on my credit report as a collection account. I was told by a mortgage lender as I was seeking pre-approval for a home loan, that a collection account with XXXX XXXX was on all three credit reports and provided me with the information regarding the creditor. I proceed to request debt validation and submitted a proposed settlement offer to pay the balance in full provided the debt could be validated as requested in the letter. The company responded with a letter written in " Spanish '' and what looked like a screen print of an account balance from their own system nothing from the original creditor nothing with respect to the debt being purchased or assigned to them, nor did it have any details that I was the owner of the debt. Not only was there no information regarding validation but I was deeply offended that it was sent to me in " SPANISH '', I wrote them a well written proposal in " English '' and I have NEVER placed on any documentation anywhere that " SPANISH '' is my preferred language of communication. I found this to be incredibly racist as well as an prime example of discrimination toward me as I have a XXXX last name. This is likely a stall tactic as they can not validate the debt, and would prefer to attempt to sell this invalidated debt to another debt collector as they know they can not legally collect on this debt.

I have attached PDFs of the letters that I submitted to XXXX XXXX and I would be happy to provide their response letters, and the certified mail return receipts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Having overdraft fees when i wasn't supposed to and being charged and told I wasn't eligible

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 2019-04-05
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a derogatory remark removed from XXXX and XXXX   almost two months ago and I contacted experian and they said they showed no derogatory remarks but since I ha free membership it would not show to me till this month. Well they updated my credit score and it still shows on my fico score. I want it off. If the others show it's been off for almost two months then I want it off experian. I'm tired of them playing with people 's credit scores

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 2018-03-23
Company: Worldwide Processing Group, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received a call from Forward Movement Recovery claiming that I have an outstanding debt with XXXX XXXX  and they are a company trying to collect that debt from sometime XX/XX/XXXX-XX/XX/XXXX time line. I explained to the representative XXXX   ( XXXX  ) that this is a false debt, and was paid already to a debt collector. She requested me to find records from XX/XX/XXXXalmost 8 years ago and I will get back to her and the company as soon as possible. Since that day, they have called me and my contacts and references since XX/XX/XXXX including today. She had stated that the company is going to call everyday and once a day to me and all my contacts until it is settled. This is an entirely different conversation fromXX/XX/XXXX.

The contact for Forward Movement Recovery is ( XXXX  ) XXXX ( XXXX  ) XXXX I will also be filing a complaint against cash central because this debt was already collected by another debt collection company back in XX/XX/XXXX/XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
have called Equifax multiple times, as well as have submitted information on this matter. I have yet to get a response and I am over it. I did not authorize these inquiries on my credit report and I want them off. Equifax is supposed to protect my information and has failed to do so. XXXX XXXX   has ran my credit multiple times and had no authorization to do so. Also I know my social security was part of the breach that happened.

XXXX XXXX :XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX :XX/XX/XXXX XXXX : XX/XX/XXXX Its pretty ridiculous that this is even happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
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 have request under the Federal Law and of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) to Transunion Physical Verification of information that i previously disputed as inaccurate and they have failed to comply with my request. 

They contine to report my name inaccurately on my credit report and i have asked them not to continue to report the error. 

they continue to send letters showing that no real investigation has been completed. they are being paid to post information to my reports and they have not complied with federal law to ensure that it is in fact accurate.

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 2018-02-15
Company: CORELOGIC INC
State: FL
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:
To whom this concerns, I carefully viewed my credit report and seen that your company ran my credit without my knowledge. I would like for this inquiry to be removed from my credit report swiftly.

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 2017-12-03
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX has insisted on calling my elderly parents, my boyfriend, my sister and my work number to harass me and anyone who answers. They refuse to make contact by my home phone ( which is the ONLY number I have ever provided to them in regards to my accounts. ) I have notified them in writing and via telephone to refrain from calling my friends and relatives and work number yet they persist at all hours of the day and night. Please make these people stop searching for my family and friends. Please make these people stop harassing everyone I love or even know. Please make them refrain from revealing my personal information. There has got to be a way to end this persistent and ongoing pattern of humiliation and harassment. It must be illegal to refuse to call my phone and instead seek to get me fired, upset my parents, annoy my sister and boyfriend. Do I need to file a lawsuit? Can you fine them for this pervasive and ongoing systematic harassment? Please help! Should they deny that I have contacted them, I do have documentation of emails and proof of receipt of messages to XXXX via XXXX XXXX XXXX and XXXX XXXX. I also have a telephone log of proven harassment of my parents, sister, boyfriend and business number. They just wo n't stop ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: CNG FINANCIAL CORPORATION
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was unaware of my account was check n go was sold two different times. It was paid in full {$3900.00} to XXXX XXXX and XXXX. The original Balance was XXXX with Check n Go. 
Open date was XX/XX/XXXX. It is showing negative status as it has been paid in full as of XX/XX/XXXX. And still has a negative status. I am trying to at least get it to show " Paid in Full in Collections ''. I have call 4 total companies about this account. And seem to get no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
These are not my accounts, nor is the addresses or names listed not 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 2018-03-23
Company: TD BANK US HOLDING COMPANY
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I applied for XXXX XXXX  on XX/XX/XXXX and was approved through TD Bank. I placed an order on XX/XX/XXXX and then cancelled it as my promotional item wasn't included even though I had selected it. OnXX/XX/XXXX I placed a new order that included my promotional item. The order went through and I saw the pending withdrawl on TD Bank. A few hours later I get an email that my order was suppressed and cancelled. So I waited 24 hours and placed the order again on XX/XX/XXXX and again it was suppressed and cancelled. I waited 48 hours and tried to place the order again onXX/XX/XXXX and still it keeps getting cancelled. I have called XXXX and TD Bank numerous times trying to get them to fix this issue as all my information is correct but they just keep telling me it's due to a fraud alert. XXXX  says it's TD Banks issue and TD Bank says it's XXXX  issue. I've called and verified all my information over the phone but yet they still will not let me place an order. At this time I have a hard check on my credit report as well as approved financing that XXXX  and TD Bank refuses to let me use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is charging me for services and i had XXXX and now i am getting a bill for the same services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 pulled and reviewed my credit report and found that several inquiries were added to my credit report with out my knowledge or consent. I have not purchased a vehicle or tried to obtain any type of credit in the last 3 years. Anything reporting during this time is incorrectly added to my credit report. There is also a bankruptcy added to my credit report falsely.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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, 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 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 2018-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
have called Transunion multiple times, as well as have submitted information on this matter. I have yet to get a response and I am over it. I did not authorize these inquiries on my credit report and I want them off. Transunion is supposed to protect my information and has failed to do so. 
XXXX  XXXX has ran my credit multiple times and had no authorization to do so. 

XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX and XX/XX/XXXX I dont even know what company this is and when I called then number its in XXXX and i dont speak XXXX. 
XXXX : XX/XX/XXXX I want these off my credit. Its hurting me to obtain anything because of this stuff

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 2017-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX , va XXXX inquiry from XX/XX/XXXX I have not authorized these inquiries on either of my reports. I would like for them to be deleted from my XXXX, my XXXX and my XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: LoanCare, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My problem is with the servicer of my FHA mortgage loan, Loancare. I was facing a foreclosure sale date and filed bankruptcy in order to give me a chance to negotiate and be considered for government programs. However Loan Care sold my home anyway!! I then had to go through a process with the Master Commissioner to get the sale voided. Once this happened LoanCare assured me they would review me for government options for assistance. However, after sending my paperwork in they made excuse after excuse and continually lost paperwork and never actually conducted a review. They assured me my sale date was on hold but then they went and sold my home AGAIN last week! Instead of considering me for modification or partial claim or repayment plan they tried to sold my home! I wanted to file this complaint because I think Loancare is violating the servicing guidelines for a loan backed by HUD I live in this home with my wife and XXXX daughter. I was excited as a first-time homebuyer to qualify for this loan due to my income and steady employment at the XXXX XXXX XXXX. Problems started a little over a year ago when my hours were cut by 1/3rd. This was unexpected and I could not make ends meet for a time and missed a couple of mortgage payments. When I contacted Loancare to try and resolve this matter they told me they did not want a partial payment or a single payment. They wanted the whole past due amount along with late fees. I was only two months behind at that moment, but was still struggling and could not afford to make two payments at once plus all the late fees and junk fees that Loancare had added. Due to this I fell further behind. I asked Loancare for other options. I asked for the opportunity to apply for a loan modification but was told there was only one option, reinstatement in full. 

Loancare has failed to follow the rules for the servicing of an FHA loan. They have not conducted a review of my current and correct financial information nor have they assigned a single point of contact. They have not allowed me to apply for any homeowner assistance options such as modification, partial claim, special forbearance or repayment plan and have obstructed my efforts to save my home and have instead pushed me into foreclosure. Additionally, they failed to provide any Occupied Conveyance paperwork for me, which I think they are supposed to send out PRIOR to setting any type of foreclosure sale date. 

I am beyond frustrated with this company. I just wanted an opportunity to be reviewed for these programs now that my temporary financial hardship is over. However Loan Care went and sold my house instead.

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 2018-03-23
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Again while checking my credit reports I noticed a collection from Diversified Consultants for a XXXX bill that does not belong to me. In fact I was in XXXX during the said time I signed a contract for their services. I have once tried to dispute the validity of this debt by requesting the original contract that I was accused of signing. I didn't receive any communication about this matter. I have researched a consumer relief attorney to handle this very stressful situation.

Company response to consumer: Closed with non-monetary relief