BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: First Data Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received 2 debt collection agency letters for different dollar amounts for a company I have NEVER shopped in. I have NEVER joined a XXXX 's XXXX XXXX, I have NEVER purchased materials at a XXXX 's XXXX XXXX, and I have NEVER even set foot in a XXXX XXXX XXXX XXXX. 
Due to these 3 conditions, I assume that the so-called debt collection agency and these letters are scam attempts to gain access to my credit. 

I have called the company and attempted to file a dispute and was directed to their website. Their website system for disputes asks for a LOT of personally identifiable information such as bank account name, routing numbers, account numbers, SSN, and DL # s. When I attempted to submit a dispute form without this information, the submission " failed ''. I printed out their PDF for claim disputes and will mail it to them. 

Specific Information regarding this false debt : Debt Collection Agency Information TRS Recovery Services Inc XXXX XXXX XXXX XXXX XXXX, CA XXXX-XXXX  Phone Number given to inquire about these debts : XXXX A second address given to reference debt ... 
XXXX XXXX XXXX XXXX XXXX, GA XXXX Another number given is 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 2017-09-28
Company: EQUIFAX, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Below is a copy/paste of the email I sent to EQUIFAX Three days ago I tried to login to the system and was told my password was wrong. 
I requested a reset from your site twice and never got the email? 
I then emailed you for assistance and never got a reply. 

For two days your phone number XXXX was ringing busy. 
Today i got thru and sat on hold for a full hour with no answer. 

For three days now the website has been posting this error System Unavailable We are unable to process your request at this time. Please try again soon. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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: Was not notified of investigation status or results

Complaint:
Im hoping someone can help me with this it was recommended to me to work on my credit first before I purchase a property so that I can get better options for my mortgage. While working on my report we realized that there were violations on my report credit report. I sent out some letters with assistance from my lawyer, and we haven't gotten any response from them as of yet and it has been over 60 days. It was my understanding that all fraudulent items that we disputed should have been deleted within 30 days or at least we should have had an answer by now and it has been over4 45 days. please assist me with getting these items deleted.

The bureaus are in violation of 15 USC 1681a ( 2 ) ( b ) I did not give written consent to furnish any infofmation, Pursuant to 15 USC 1681a ( 2 ). No consent is identity theft, this is a violatio. I demand that the items be deleted from my 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 2021-11-01
Company: SYNCHRONY FINANCIAL
State: MD
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:
On XXXX XXXX, XXXX I received email from Paypal that they are debiting ( charging ) my account because I received duplicate credit for following transaction Dispute Case ID XXXX Transaction Amount {$310.00} USD Dispute Amount {$310.00} USD Transaction ID XXXX Transaction Date XX/XX/XXXX Also for same reason Paypal Credit ( Synchrony Bank ) charged me {$300.00} on XX/XX/XXXX For last two weeks I have made several calls and sent several notifications to Paypal and Paupal credit about this issue and seems like no one is willing to 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 explanation
Consumer complaint received 2022-04-28
Company: BMW Financial Services NA, LLC
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:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I tried to make a payment on my mortgage. My mortgage was previously serviced by XXXX XXXX XXXXXXXX. Carrington Mortgage services is now the servicer. The terms in which my payments are processed have changed dramatically. I have to pay fees to make payments which I did not have to do before, my payments have gone up again which did not happen before, and then if I fall behind which in my almost 10 years of paying on my mortgage has happened, life happens. When I try to make my payments Carrington shuts down avenues to make them. If I am in the 30 day late category they refuse online payments and refuse over the phone payments. I spoke at length with two representatives from Carrington Mortgage Services on XX/XX/XXXX. I was advised that they will take my payment from through XXXX XXXX at an additional {$8.00} charge because they were refusing my online payment and would apply it by the end of business. I made XXXX payment on XX/XX/XXXX through XXXX XXXX XXXX I paid more than enough to cover the late fees. That brings me less than 30 days past due. I was assured they would apply the payment and that they process payments on Saturday XX/XX/XXXX as well. Either way my payment was made before 3pm that Friday. I checked my Carrington online account and it is still not posted. This is not the first time Carrington had refused payments. I was only 1 month behind and I pay my penalty. You have people who serve their time in prison for crimes. I had an issue that arose and paid my late fee. For them to continue to penalize me and refuse my payments or not apply my payments which is the case here I feel is unacceptable. As of writing this I am officially less than 30 days past due and should be cleared on any default on my loan. I am fine with a new servicer on my loan, however I am quite offended and frustrated that I feel Carrington is not servicing my loan in the same manner it was being serviced for the almost 10 years I have had my loan. I have not signed any paperwork or agreed to any additional fees and I feel they are playing deceptive games by refusing to apply payments to try to send my loan to foreclosure. My servicer should be the one per my understanding of the law to try to help with foreclosure avoidance and refusing to apply full monthly payments, especially when such payment brings my loan back into the less than 30 days past due status I feel is fraudulent activity and I am requesting they cease and desist these perceived fraudulent activities immediately and apply any and all payments to my account and fix any damages to my credit report. I am also requesting that they go back and fix my credit for the last time they held almost 3 months of my payments in a suspense account and refused to release the payments and during that time reported negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: BANK OF THE WEST
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I continue to receive no response and incomplete and erroneous processing of my loan application from XXXX XXXX at Essex-bank of the west. I already have a boat loan with them since XX/XX/XXXX.I was in a boating accident and the boat which they currently hold the loan for was totaled. That loan is in process of being paid off. I found a replacement boat and reapplied for a loan through Essex for this. I was approved for the loan on XX/XX/XXXX. But since then I have had nothing but problems and delays. XXXX XXXX asked for some signed documentation on XX/XX/XXXX which we sent over right away. XXXX however never even confirmed he received our documentation until XX/XX/XXXX. Even after repeated emails. Then on XX/XX/XXXX only after I continued to email him several times and left a voicemail did he call me. I was sent a follow up email the following day stating he needed current bank lienholder information per the payoff letter. However XXXX doesnt even know the rules of who holds the title. We responded to him with the following : In New York the owner holds the title not the bank ] There are only nine title-holding states : Kentucky, Maryland, Michigan, Minnesota, Missouri, Montana, New York , Oklahoma, Wisconsin. In the other 41 states, titles are issued to the lien holder of your vehicle until the loan is fully paid off. He wanted an updated title with bank name not owners name?? We also resent he title that shows two lien holders one being XXXX XXXX  XXXX ( The name is spelled out. XXXX XXXX XXXX XXXX XXXX ) We did send a satisfaction of lien from the additional lienholder. This was sent on XX/XX/XXXX. Since then no response even though I have emailed him 3 times and left a vm. And he is out for the second time since I have been dealing with him until XX/XX/XXXX. And was told when I spoke to him on XX/XX/XXXX that this process could take an additional 3 weeks. I am in danger of losing the boat we found if this can not be expedited.

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 2018-02-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I personally called XXXX XXXX the first week of XX/XX/XXXX to get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/16 I signed off and XXXX confirmed that on that date the sum of over 93K was wired to XXXX to pay off that mortgage as of today XX/XX/27 I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX on all the stress they put us all trough

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 2022-04-28
Company: Freedom Mortgage Company
State: NJ
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  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states consumer reporting agency can not furnish a account with out my writing instruction 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for Any purpose

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 2022-04-28
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act the following accounts have violated my rights XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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: Personal information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2018-09-27
Company: BARCLAYS BANK DELAWARE
State: OH
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 a lot of hard inquiries that I didn't give permission

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 2020-10-08
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2018-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, I opened a Capital One secured credit card. In XX/XX/XXXX, i requested to close the account and use the secured portion to pay the balance of the card and close the account. In XX/XX/XXXX, i received a notification from the 3 credit bureaus that I subscribe to, that a 30 day delinquency had been placed on my credit report for this account. I contacted Capital one to discuss the issue to no avail. in the same month ( XXXX ) I immediately disputed the late which showed 30 days past due. The 30 day past due remained on the XXXX XXXX report but had been DELETED and did not appear on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX but on the XX/XX/XXXX report shows not only 30 days but 60 days late as well. This negative reporting has hurt my credit rating as well as, I've been denied credit based on this negative reporting. Again, the account had been previously removed from my credit file and re-inserted again as a delinquent account. PLEASE HELP. Also, i send a letter on XX/XX/XXXX to the credit bureaus asking them to delete the inaccurate information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have disputed my loans several times, have been sent to late payment status and my credit score is being affected. I did take out student Loan but school I attended was closed due to fraud. I am no longer  available to transfer credits or finish course

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: PNC Bank N.A.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XXXX XXXX I purchased a XXXX  XXXXXXXX XXXX from XXXX XXXX in Maryland via finance through PNC BANK. At that Time I was charged a finance charge and a cash down payment. According to 15 USC 1605 The finance charge is the SUM of all charges. During this transaction I provided a trade in and a cash down payment. I also paid for my own Gap insurance and regular insurance. I have sent several documents to PNC in order to settle this matter with no resolve. Also, at the time of purchase I was not made aware that I have an option of Rescission 15 USC 1635 which is suppose to be disclosed clearly. This was never disclosed to me in fact, the contract clearly states " NO COOLING OFF PERIOD '' which is also a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: UT
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:
Equifax reinserted a previously disputed and removed/surpressed Bankruptcy from my report. The bankruptcy was disputed as it doesn't belong to me. They removed it and then recently reinserted it. Subsequent dispute requests did not result in removal of the reinserted record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have specified multiple times to FedLoan Servicing how I would like payments applied to my student loan. I told them I would like and amount I pay, over the minimum monthly payment, to be applied to the principal of my loan with the highest interest rate. I have told them this through their online messaging system as well as through postal mail. I also specify this in the memo portion of the check I send to them. They have acknowledged receipt of these instructions and have told me they will apply my payments to the loans in the way I have instructed. Sometimes, they apply my payment correctly, other times they do n't. When they do n't, I have emailed them and messaged them asking them to correct the issue and ask if there is anything I can do differently to avoid the problem next time. They never respond to me or correct their error. I feel they are are either intentionally incorrectly applying my payments to nickel and dime me into paying more interest, or that they are unintentionally making the same error multiple times. Either way, when I contact them to inquire about the issue, they should respond and they should correct their mistake. I know for a fact that I am not the only one this is happening to, as I have multiple friends who have experienced the same thing. 

I believe they made this mistake on payments to my account credited XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Account has been removed from my credit report for some odd reason. Account is open and I made a payment XX/XX/XXXX. Account has been reported as derogatory for XX/XX/XXXX. Account also is not reporting the proper balance and available credit. This is damaging to my credit score for all 3 credit bureaus.

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 2021-06-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation