BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 3 letters to the credit bureaus Transunion, XXXX  and XXXX  demanding that they investigate the inaccurate reporting and obvious violations that are being reported by all 3 bureaus on this " collection '' account by XXXX/XXXX  account # XXXX ... each time they come back and say they conducted a full investigation and everything is reporting 100 % accurate so they say that its verified as accurate ... ..how are they saying that they conducted a full investigation and its verified as accurate when all 3 bureaus are reporting different information and violations that are killing my score ... the answer is they did not conduct a full and proper investigation and this account is not reporting 100 % accurate.I have attached documents as evidence. look at the payment history they are all reporting differently, how are they reporting a credit limit on an account that is " charged off '', they are reporting different dates of last payment and date of last active, they did not conduct a proper investigation as required by law

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 2019-09-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX called me XXXX XXXX to say I owed {$1000.00} To USAA -- They offered to settle the debt in payments for 6 months that would amount to {$1800.00}. I told them I could pay {$1000.00} on the first to clear debt. Name of company if you dial it is XXXX. But I was not sure what I owed USAA since before I had a care giver XXXX XXXX to help with my finances and keep track of payments. Since I have had several XXXX XXXX and six XXXX. Also on line is proof I was recently XXXX in the XXXX with a XXXX guage by my dog that XXXX  my XXXX   and XXXX my right XXXX and cracked XXXX XXXX  leaving an ounce of XXXX XXXXXXXX in my XXXX. Needless to say this has been hard without a care giver. You know I was not thinking so I called that number back and I explained that I am not sure if I am being scammed and I want to call USAA to be sure this company is legit. I also want to know for sure I owe this amount because I am not sure in my mind if I owe money or the amount if I do. 

I called USAA several times, some problem here with memory and did not answer their security question right but finally got through and then they needed me to send an ID photo which I did. Yet they will not give me the amount I owe and even after getting through and sending the ID. Maybe USAA can justify the record of 5 different phone conversations I have had trying to get my information and their getting me to verify by sending them a copy of my valid ID but for a senior I would not advise you to be a customer with them. The hours I have spent are frustrating just only to get information to verify if XXXX is their debt collecting company and if {$1000.00} one time payment or {$1800.00} in six payments is justified to pay off what I owe and if {$1000.00} is really the amount I owe. USAA has up to now refused to tell me anything even with all the proof I have given. USAA phone number is 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 2018-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX notified my employeer I had an outstanding balance with them of {$19000.00}. I never put that much debt on this card. I have repeatedly asked for signed receipts showing these were my charges, which I never received. This erroneous claim cost me my security clearance, which in turn has cost me job opportunities and extensive decrease in income

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a follow up to complaint number XXXX with Bayview Loan Servicing, loan number XXXX. I have filed a appeal of theri decision not to extend me a loan mondification. Explaining in this appeal the reason I had financial issues with the first modification that was out of my control due to employment. I submitted documentation of the changes of employment, and the differences in income ( from a loss of income of almost 8k a year, to rebounding back to the income levels that I had before the modification was in effect. I have been denied by BayView, with conflicting reasoning, on letter stating that they did not have the documentation needed to make a determination by the date stating in the denial letter. And a second letter stating that I was denied for being late on the last payment ( which I did call and attempted to make, and was told by the representative on the XX/XX/XXXX that I could not make the payment, and they would not except a payment. Even though I made the first two payments on time, and one of them 2 weeks early. 

I am submitting the two details letters that was sent within a week of each other giving different reasons for denial. All documentation was givin showing the change in work, and my health issues that cause all of this to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: MacDowell & Associates, Ltd.
State: UT
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:
McDowell Associates requested my credit 8 times in 10 months. 4 times in one month alone. I have no idea who this is or why they are accessing my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Financial Credit Service, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I answered my cell phone and was asked if this was XXXX ******, XXXX ********* or XXXX ***********. Clearly he had something with all names maiden or married. I asked what it was regarding. I was told that they have a debt in my name-not sure what one and that it was going to court. He said that it was for XXXX dollars but I could pay XXXX to make it good. I asked him to verify what it was and the name on it. He began calling me names such as a dirt bag, scum bag, leech who buys things and doesn't pay for them. What was scary is that he must have had my credit report as he told me all my current liabilities. I hung up on him. I was extremely upset. He just yelled and yelled at me, calling me names and using obscenities. I waited a few minutes and called the number and requested to speak with someone else regarding this. it is upsetting to me that someone has my information, wont verify it and I currently have XXXX due to tampering. when I called back, they transferred me to him. He began his tirade again calling me worthless with nothing better to do than call him. He stated maybe I should get a job and be less of a scumbag. I wanted verification of any debt as I have been tampered with. He continued his obscene tirade until I hung up. This company is named ARA and the phone number is XXXX. It seems to be from XXXX, IL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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 explained to the company that this is not me not my name or address on the account someone used my social security number to open a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company keeps harassing my credit report. I payed some of the debt but was disputing it because of some previous issues. They sent me back the check and then added the amount to my credit report saying I was late and dropped my score XXXX points. I not am going to pay for a car I didnt drive for a XXXX when I even told XXXX that the car was defective. XXXX said I gave up the car in XXXX and that was incorrect. It was within XXXX weeks of purchase date. I keep telling you guys that I didnt get a buyers guide from the dealership and a lot of info was omitted. Yet, you all purchased the debt and keep harassing my credit report. Can you guys stop harassing my credit report? Do I really have to search for a XXXX lawyer for you guys to stop harassing me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Receivables Management Corporation
State: SC
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 I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 2018-08-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello how are you my name is XXXX XXXX and everytyme I ask for a dispute of the addresses on my credit it never gets deleted some of those addresses does not belong to me and some of them are old and is not supposed to appear on my history I ask for them to be disputed and my correct address that should be on my credit is XXXX XXXX XXXX. 
XXXX tx,XXXX My name is XXXX XXXX XXXX my date of birth is XX/XX/XXXX Can the old addresses be removed they are negative and incorrect thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Waypoint Resource Group, LLC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To their credit, Waypoint Resource Group LLC paid attention to the cease and desist letter my lawyer sent. Cybersecurity experts at both XXXX XXXX and XXXX have determined that perpetrators cloned my computer. This is a much bigger problem than a criminal stealing your name and social security number. My legal representative has contacted Waypoint Resource Group LLC and demanded that they remove the collection from my consumer credit reports, but this company is unrelenting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: General Motors Financial Company, Inc.
State: AK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a brand new truck in XX/XX/2018 from a GMC dealer. I used GMC financial for the lender. I signed a contract that day. The vehicle could take 2 weeks to arrive. I sold our other vehicle and had the money to advoid having the loan or payoff the loan XX/XX/2018. The dealer said we cant pay the loan off until the vehicle arrives. Unfortunately the vehicle arrived XX/XX/2018. On the same day, l called GM financial to pay off the loan so I wouldn't accrue intrest. GM financial said they have no account and no paperwork to allow a pay off. GM finianial customer care said I would not incur interest because there isnt a loan until they receive the paperwork and have payoff information. 
On XX/XX/XXXX we contacted GM finianical to request a pay off. This time they had the information and surprisingly with intrest accruing since XX/XX/XXXX. I was told I couldnt have a payoff before because they didnt have any of the information but they accure interest from XX/XX/XXXX contract. I was told they can take up to 2 weeks to prepare the loan legally. I mentioned it was just shy 2 months to receive any information to even get a payoff amount. I asked for them to change the interest to XX/XX/XXXX when I received the truck. They told me they will not change anything. I talked to 3 managers above the first person. I feel I was denied any kind of payoff and was forced to pay interest for 2 months. I asked what day they received the documents to establish an true account with payoff. They said its showing XX/XX/XXXX but acknowledged this may not be accurate with the information and call times I provided. 
My worry is I have had many loans in my life time. I never been told I couldnt payoff an account but been charged interest after the fact by back date. I dont feel comfortable with a loan they dont give me the actual date they truely funded the loan but back dated it. My credit union I have my home mortgage with said that is not normal business for a loan. They would have not charged intrest until an account was established. 

If you have time you can be on the 3rd line to listen to GM finiancal explain there is nothing they can do and totally comfortable charging interest and back dating the loan information to fit their needs. If a payoff is not provided until XX/XX/XXXX then there should be interest charged until with in reason of that date. I think millions of people are being defrauded a few {$100.00} each with this non normal practices. 

I have received zero information in the mail about loan or payments. I have the account information as of XX/XX/XXXX by calling in. Also, finding out fraud of interest charging and back dating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I sent a message to Prestige Financial after they removed a 5 year credit history from my report. I filed chapter XXXX in XXXX, and my car was not included. My car payment was paid in thru the bank from XXXX. They removed the entire credit history citing it is their new policy. It should be illegal for the trade line history to be removed prior to bankruptcy filing I asked for a copy of the policy and here is the response they sent : Disputeresponse XXXX To : XXXX Fri, XX/XX/XXXX at XXXXXXXX XXXX XXXX, My name is XXXX, I am the supervisor here in the Credit Reporting Department XXXX 



We are unable to send you the policy, as upper management has decided that if an account is included in any type of Bankruptcy we are deleting the tradeline. I understand that your Bankruptcy has been dismissed however, we are unable to update your credit to show this account. The tradeline was deleted from your report. 

Please advise Consumer finance. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Opened XX/XX/XXXX Balance {$1000.00} This account was opened fraudulently and I have contacted the company as well XXXX XXXX DBA XXXX -XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX  XXXX  XX/XX/XXXX All these inquiries are fraudulent and unauthorized

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 2019-09-29
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company keeps harassing my credit report. I payed some of the debt but was disputing it because of some previous issues. They sent me back the check and then added the amount to my credit report saying I was late and dropped my score 22 points. I not am going to pay for a car I didnt drive for a month when I even told ally that the car was defective. Ally said I gave up the car in XXXX and that was incorrect. It was within 3 weeks of purchase date. I keep telling you guys that I didnt get a buyers guide from the dealership and a lot of info was omitted. Yet, you all purchased the debt and keep harassing my credit report. Can you guys stop harassing my credit report? Do I really have to search for a XXXX lawyer for you guys to stop harassing 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 2019-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Sir/Madam, I opened an Adv Plus checking account ending XXXX in XXXX from BOA, with a {$100.00} promotion bonus opportunity after XXXX $ XXXX direct deposits into this account. I have deposited multiple payrolls of $ XXXX into this account in XXXX and XXXX, but I still didn't receive the {$100.00} bonus yet. So could you please investigate on this issue? 

Thank you very much, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
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:
I sent a certified letter to TransUnion dated XX/XX/19 that was signed for on XX/XX/19. The letter was a formal notice of dispute. 

I waited 34 days to verify TransUnion violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent another certified letter to TransUnion stating that they did not put a notice of dispute on my credit report, along with a copy of my initial dispute letter to TransUnion, proof of delivery, credit report dated XX/XX/19, and a credit report dated XX/XX/19 to show that the notice of dispute statement was not reported. 

TransUnion has disregarded my proof of the violation of law and refuses to remove this trade-line.

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 2015-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I phoned Capital One on XXXX XXXX, 2015 to request a PIN number for my credit card. The agent helping me accessed and changed my personal information related to my account without my knowledge. This is a clear violation of the terms of service that Capital One has perscibed in our contract. I called Capital One and they offered no assurances that my personal information could be safeguarded from that employee, only that I would be alerted by email if changes were made. They offered no resolution and said that they would look into the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Wells Fargo handles XXXX 's card services. I paid my account in full, XXXX 's aka wells Fargo drafted my account for an additional {$29.00} which caused a credit. I requested a refund which they did to my account. They then mailed a check which I threw away because my account was credited. I now am being charged XXXX on my account again because they want me to cash a check I don't have. I have called several times. I received a letter asking me to deposit a check I don't have. I don't owe well Fargo anything. Please HELP

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 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have an identity theft protection lock on my account, due to finding my SSN on the dark web. Please remove said inquiries that do not belong to me. 

XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation