BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
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:
Beginning in 2019, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX XXXX  XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, XXXX  or TransUnion, no longer responds, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, XXXX  and TransUnion claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.

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 2020-06-25
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On around XX/XX/2019, National Credit Adju placed a collection claim on my credit, for an alleged XXXX XXXX bill. I have received NO communication or proof of this bill prior to or since the credit inquiry from my credit report. I have received NO documents validating this owed amount. I have NOT received any validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and I am requesting the file to be immediately closed as it has no basis to be on my credit report. I do not currently have nor, have I ever had any business dealings with National Credit Adju and have not given them nor anyone affiliated with them authorization to view or obtain a copy of my Credit Report. I am requesting that my Name, Phone number, Email and any other personal information be removed from the National Credit Adju database and prohibit them from sell this debt off to yet, another collection agency. I have been advised by XXXX that my SS number as well as my phone number have been compromised. I have been advised to alert the SS department, alert the credit reporting agencies and place a freeze on my credit as well as file a police report. I've done all of these things. I will be seeking legal guidance and or pursuing legal action against both, National Credit Adj for the illegal purchase of this unverified/invalidated collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo, unjustified fees taken from my previous 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 2019-09-17
Company: FirstPoint Collection Resources
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this companies regarding the debt that was for validation of debt. 

1stpt I contacted this company on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 by mail via XXXX, XXXX, and XXXX. This company failed to validate my requests. The company have deleted the debt from XXXX   but failed to delete the debt from XXXX  and XXXX. I have threatened to pursue legal actions at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this debt and been unsuccessful with a response from the comp

any 1. I never received a notice of debt or right to dispute. 2. I was notified th
at creditor received NYS Covid rent relief that if this debt is a valid the debt balance should be adjusted.

I have no proof of validity of balance or adjustment

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 2022-08-10
Company: ALLY FINANCIAL INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Bureaus are reporting incorrect balance, payment amount, account status, and payment history to XXXX, XXXX and XXXX. Incorrect information was disputed via letter sent certified mail to credit bureaus. 
Letter mailed to XXXX XX/XX/2022 tracking # XXXX Letter mailed to XXXX XX/XX/2022 tracking # XXXX XXXX disputed online XX/XX/2022 confirmation # XXXX The dispute advised payment information was updated but is still reporting incorrect account status, payment history, payment amount and account status.

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 2021-08-19
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account paid off on XX/XX/2020 and reporting as account as written off with a owed ballance

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 2022-08-10
Company: Alorica Inc.
State: IL
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:
I received a random charge on my account in XXXX. In XXXX, I received a notice in the mail of late payment and logged in promptly to pay. I paid the bill in full in the amount of XXXX online. I did not receive any more mail from SST, nor did I receive another late payment notice. Yet on XXXX was reported late to the credit bureau. When I called customer services, was told that the payment did not go through for some reason. They also indicated that they tried to reach me via phone, but did not have the right phone number. In all other cases they have sent me mail, but in this case they did not. I feel like they intentionally did not try to reach me or do their due diligence to reach me. When I saw the alert on my credit report, I immediately logged into their website and paid in full.

I would note that this card has a XXXX  balance, and has been fully paid for over a year. The charge that was made in XXXX was a random fee, and not initiated by me. Both in XXXX and in XXXX I have again paid the balance in full but was still reported as 30 days late to the credit bureaus. 

I would also add that their online process for payments is confusing. You must press Yes I want to make a payment 4x and press submit and then press submit over and over again. I believe that they have configured this intentionally, so that people will not make the payments. They also do not offer an automatic payment process. 

Yet, again I have been reported as late for a charge I did not initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX, XXXX has contacted me multiple times attempting to collect an alleged debt. I have demanded that XXXX XXXX XXXX provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that XXXX XXXX XXXX is authorized to act in loco creditore. XXXX XXXX, XXXX has failed to provide all of the information I requested.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Kohls representative refused to escalate my call in regards to a payment and closed my account without my consent. I have requested that no credit inquires be placed on any credit. I spoke with several representatives and all where unwilling to assist our answer my questions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Southwest Recovery Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a phone call from a collection agency, SOUTHWEST RECOVERY SERVICES, who claimed that I owed a company called XXXX XXXX XXXX for a credit card machine and early cancellation for alleged credit card processing dating back to 2019. I have used the same credit card processor for at least 5-6 years and it is not XXXX XXXX XXXX. I remember a gentleman who repeatedly came to my office trying to get me to switch processors. I told him to stop coming to my office, but we did not authorize his service. My staff frequently receive calls from credit card processors who attempt to gain information regarding or Credit Card Processing machine. 

Other than the phone call on my cell phone from SOUTHWEST RECOVERY SERVICES, I have never received notice of the alleged debt via my office phone or my physical mail address ( unchanged for 23 years and both address and office phone are listed everywhere ). He said he'd emailed statements to me at an email address that does not exist in my business. 

I do not owe this debt and believe it to be fraudulent. XXXX Recovery sent it to all 3 credit bureaus as a credit collection. This has had a detrimental effect on my credit score.

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 2020-06-25
Company: Experian Information Solutions 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:
Beginning in 2019, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX XXXX  XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Experian, XXXX  or XXXX, no longer responds, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, Experian and XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.

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 2018-10-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent a written dispute twice to TransUnion by registered mail. I do have copies of receipt and stamped documents that they did receive my dispute. The first time I sent a dispute was XX/XX/2018 I received a copy of receipt that they stamped on XX/XX/2018 I did not receive any information regarding my dispute. The second time I sent a written dispute by registered mail was on XX/XX/2018 and I have a receipt that they received the documents XX/XX/2018. I have called TransUnion numerous times. They say that they have never received a written dispute by registered mail from me. But as I said I have documentation that they did receive my disputes. I have spent time and money to get damaging information off my credit report. Along with my credit dispute, I sent documents that would would support the accuracy of my disputes.

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 2020-11-04
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/XXXX the vehicle was repossessed by Santander USA, and sold. It was reported to my credit bureaus that the remaining balance was {$18000.00} after paying on it since XXXX. I never received a letter showing how much the vehicle was sold for, nor did they show any deductions for this. I have disputed this information directly with Santander, and they sold the debt to a debt collector. This has made my credit worthiness decline, and has caused a great deal of financial strain. Please resolve this issue between me and Santander USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: NC
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which Equifax, XXXX and XXXX didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I acquired a copy of my credit report from all three credit bureaus in XX/XX/XXXX. I discovered an account called Capital One Auto Finance that was opened in XX/XX/XXXX. This account seems to be for an auto loan and has a balance of almost {$5000.00} USD. I contacted all three of the credit bureaus and reported this as Fraud.  They conducted an investigation and disputed the information with the creditor. The results of the investigation came back and the creditor replied that the account is verified and belongs to me. I spoke to the credit bureaus again and they told me that if this account is really not your account, then I should start another investigation and this time the subject of the investigation will be Identity Theft. They also told me that if I submit a personal statement and obtain a police report. Then that can be included in the investigation as documents supporting your case for Fraud and Identity Theft. Once again the results came back with the same results and response from the creditor. I proceeded to resubmit a dispute to the credit bureau XXXX  almost every single month. I also contacted the creditor multiple times and the last time I contacted them I was so frustrated and just wanted this inaccurate information off of my account I told the representative that I would just pay whatever money is owed so that they can be satisfied and remove this account from my credit report. I was told they can not do that and if I did that. The account balance would be reported as {$0.00} dollars but the account would still remain on my report until it falls off. In the meanwhile as I was dealing with this, I did receive a correspondence from the creditor with some kind of fraud questionnaire and affidavit. I filled out this information and sent it to them. 3 months have passed by and I didn't receive a single response. I find this company very unprofessional, it seems like they are just playing games and trying to give me the runaround. With the many investigations that I submitted against this creditor they have yet to send any proof that this account belongs to me. If they fail to do so then they are not legally fulfilling their obligation as a creditor in this situation. For more the account should be removed from my credit report immediately. This is causing me personal loss because this account is showing future creditors that I am irresponsible and present myself as potential credit risk for any and all future credit decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good Afternoon, I need information on how to get my private loan expunged after attending XXXX XXXX in XXXX, AZ, from XXXX. This school did not explain the gravity of a private loan ; nor did it offer any assistance in job placement to graduates, as promised during orientation, in various brochures, and tv commercials. Ive been told time and time again I am unable to qualify for any form of tuition forgiveness because my loan is not federal. I have tried long enough to pay off this exorbitant loan offered by this fraudulent college. It has become extremely difficult to support my family with the high interest rate and monthly payment amount of this private loan. How lengthy or difficult the process will be is irrelevant to me- I just need some direction on how to be rid of this ever growing issue. I appreciate your time in reading this correspondence and any guidance you suggest. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions 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:
Since XXXX of 2022, I have been sending certified letter to XXXX, XXXX, and XXXX. There are inaccuracies on my report that are negatively affecting my report. I have asked XXXX and XXXX to show what they found out on their investigations SINCE XXXX and they have refused. They have no proof that the accounts are mine. XXXX has not given me an update via mail on the investigation results ; they are far beyond 30 days.

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 2017-12-09
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been named successor to my mothers late husbands estate. I also hold durable power of attorney for my mother. I have attempted to communicate with OCWEN on numerous occasions, to no avail. I am curious to know why, XXXX XXXX, who was a whistleblower VS. XXXX XXXX XXXX XXXX XXXX His name was FORGED, on a document that is associated with my mothers paperwork. XXXX XXXX name was authenticated by his attorney XXXX XXXX, thru a sworn affidavit. 
I also am curious to know why my mother was approved for a principal reduction of XXXX XXXX dollars, with a 2 % interest rate, in a letter from OCWEN, on their site, that was never sent to us? Is it maybe due to the cease and desist in Massachusetts? 
I would appreciate an answer from Ocwen, since they seem to believe they do not owe me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
The company calls at least 5 times a day and now is calling my daughter daily. They tell her in the phone that they know she is my daughter. They also have started calling my son in laws phone daily and he wasnt even a reference. We are unsure how they got his number. 
We block the number and they call from another number. 
I have a lawyer and bankruptcy paperwork is in the final stages. I am on the back half of my loan so all interest has been paid. 

Company is Flagship Financing..

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