BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-07
Company: Brennan & Clark, Ltd., LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
The company continues to call me and harass me, uses strong voice and threatens to sue me. I have informed them that I am filing bankruptcy ( over a month ago ), given them my attorney 's information, now they call us both. He said my bankruptcy isn't going to stop his calls or stop the lawsuit. This is for a payroll company debt. I've blocked the number and they continue to try and reach me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS NOR WAS I AWARE OF SOMEONE USING MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2022-01-12
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I purchased a new XXXX XXXX with a 1 year warranty from Kohls and it had a manufacturer 's defect that caused a part to break soon after I purchased it. I tried to work with XXXX to repair the scooter through warranty, but they were unable to repair it. I asked Kohls to return the item but they refused because it was past their return period. I asked Capital One to issue a chargeback because the item was not as described and the warranty was not honored. Capital One contacted Kohl 's and Kohl 's response was that I can return the scooter under their 180 day return policy, but the Kohl 's representative was mistaken and I am not able to return the scooter because it is covered under the 30 day return policy for premium electronics. Capital One refuses to give me any information on why they believe the transaction is valid and tells me I should contact the merchant. 

This is a dated summary of the events : XX/XX/XXXX - I purchase the scooter online XX/XX/XXXX - I received the scooter XX/XX/XXXX - Scooter breaks, I contact customer support XX/XX/XXXX - End of 30 day return window XX/XX/XXXX - I follow up with customer support due to no response XX/XX/XXXX - Customer support responds saying return box was sent XX/XX/XXXX - Scooter was sent back to Segway for repairs XX/XX/XXXX - Scooter was delivered XX/XX/XXXX - I received scooter from manufacturer, contacted customer support saying the scooter was not repaired XX/XX/XXXX - Customer support requests more images/information - images sent XX/XX/XXXX - Customer support reports they will send me the replacement part XX/XX/XXXX - I follow up with customer support due to no response XX/XX/XXXX - Customer support reports replacement part is not available with no known ETA XX/XX/XXXX - I contact Capital One for assistance XX/XX/XXXX - I receive a letter from Capital One saying Kohl 's believes I can return the scooter and asks for more documentation XX/XX/XXXX - I fax Capital One the documentation asked, and inform Capital One that Kohl 's statement is inaccurate due to a clause in the policy XX/XX/XXXX - I receive a letter from Capital One saying I did not provide enough information XX/XX/XXXX - I fax Capital One asking for more information on what was not provided and include additional information that Kohl 's statement is inaccurate XX/XX/XXXX - I receive a letter from Capital One saying I should contact the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have never been able to access the statements online. When I call they tell me that the case will be transferred to the tech team. Nothing every gets fixed. I called today XXXX and the rep hung up on me. This is unacceptable.

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 2017-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There were credit inquiries resubmitted on my report that was taken off last summer due to fraud and they reinserted them without my knowledge or notification. 
The date is XX/XX/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Mr. Cooper responded to my previous complaint through CFPB with a letter, and attachment ( please see the attachments ), dated XX/XX/2023 stating that they have updated my payment history. This information has NOT been updated on Mr. Cooper 's website. My account is still showing that a payment is due on XX/XX/2023. My next payment due is XX/XX/2023. 

The website needs to be updated to reflect the account as current. Additionally, the credit bureau needs to be contacted by Mr. Cooper to rectify any bad credit reporting on behalf of XXXX XXXX and Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Commonwealth Financial Systems, Inc.
State: FL
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 sent debt validation notice and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 

however, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI XXXX! I have XXXX bill colelction for {$810.00}???? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: GA
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:
THE INFORMATION LISTED SEVERAL ACCOUNTS WERE OPEN FRAUDULENTLY SUCH AS LOANS, CREDIT CARDS, CELL PHONE ACCOUNTS SOMEONE USED MY IDENTITY USING MY SOCIAL SECURITY NUMBER AND ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX   and Experian CRAS. On XX/XX/2020, I mailed XXXX,   XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2019-03-11
Company: SYNCHRONY FINANCIAL
State: SD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was sold from synchrony bank to a 3rd party on XX/XX/2018.I have been making payments to the 3rd party since.i just received a XXXX for this same account from synchrony bank. however I never settled on the account I have disputed it with the bank and still havent heard anything and it has been a month they just keep telling me it was never sent out or was done in error by sending this out it causes issues with the IRS and I need to file my taxes but cant till this is fixed

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 2020-09-17
Company: EQUIFAX, INC.
State: GA
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:
THE INFORMATION LISTED SEVERAL ACCOUNTS WERE OPEN FRAUDULENTLY SUCH AS LOANS, CREDIT CARDS, CELL PHONE ACCOUNTS SOMEONE USED MY IDENTITY USING MY SOCIAL SECURITY NUMBER AND ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Chime Financial Inc
State: CA
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 XX/XX/XXXX, I logged into my Chime app for the first time in several months. I had not logged in recently as I have been unemployed and not receiving any income. Upon logging in, I saw that I had received a deposit from my prior employers XXXX distribution that I was not aware of. {$1000.00} was automatically transferred from my checking account to my associated XXXX XXXX XXXX XXXX on XX/XX/XXXX. Beginning XX/XX/XXXX, there are several transactions posted that I did not make, as follows : {$53.00} at XXXX, {$10.00} at XXXX XXXX XXXX, {$280.00} at XXXX, {$170.00} at XXXX, {$23.00} at XXXX XXXX, {$63.00} at XXXX XXXX, {$14.00} at XXXX XXXX, {$29.00} at XXXX XXXX, {$39.00} at XXXX, {$81.00} at XXXX, {$5.00} at XXXX, {$43.00} at XXXX, {$150.00} at XXXX XXXX XXXX {$24.00} at XXXX and {$73.00} at XXXX XXXX  XXXX Upon reviewing these charges, I went to look for my credit card and it was not in my wallet nor anywhere in my home. I immediately contacted XXXX XXXX  for help, and a dispute was filed. On XX/XX/XXXX, I was notified my dispute was denied. That same day, I requested the reasoning and was told it would be emailed to me within XXXX business days. On XX/XX/XXXX, I again requested this documentation. I have yet to be provided with any reasoning for this denial. I did receive a new credit card in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I owed Kia on property taxes. 
Made an arrangement with them to pay the remaining {$280.00} on XX/XX/2020. 
They reported me to the credit bureau on XX/XX/XXXX and XXXX, 2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$10000.00} ; DPT ED/XXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$2000.00} ; DPT ED/XXXX XXXX Balance Owed : {$3000.00} ; DPT ED/XXXX XXXX Balance Owed : {$3000.00} ; DPT ED/XXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXX XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$6800.00} ; DPT ED/XXXX XXXX Balance Owed : {$4900.00} ; DPT EDXXXX XXXX Balance Owed : {$3200.00} ; DPT ED/XXXX XXXX Balance Owed : {$21000.00} ; DPT ED/XXXX XXXX Balance Owed : {$4000.00} ; DPT EDXXXX XXXX Balance Owed : {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions 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 XXXX XXXX and XXXX  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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions 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:
To Whom it may Concern My Name is XXXX XXXX it Appears, that there some issues going on with my credit. I check my Credit and i notice theirs an XXXX XXXX on my credit. this Account Does not Belong to me, which is reporting that its an open Account on my credit. I called XXXX XXXX and i spoke to an Representative and they told me that I'm not on that Account they Also told me that I would need to contact the credit bureau to assist me with having this Account Removed From my credit Please Remove this account off my Credit Account due to fact this Account does not belong to me 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 2018-04-24
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
OnXX/XX/XXXX i refinanced my home with Flagstar bank. It is a VA loan. Right at that time the VA who i get XXXX payment from withheld multipke months of payments which caused me to become delinquent pn my loan. I started working with a rep at the company XXXX XXXX. I filled out loan modification packets, sent letters of explanation, bank statements, pay stubs etc. I have sent over 5 packets. Last XXXX they said i would be approved finally. They said my payment would go up by XXXX ( XXXX to XXXX ) my interest rate by 1 % and principle by 20k+. I questioned the rate and the rebp XXXX XXXX at this time said he would check. I never heard anything back so i called on XX/XX/XXXX. At that time XXXX said the loan mod was denied. Said the loan had to have 12 months of payments for the va to approve. I contacted XXXX XXXX at the VA who informed me that flagatar just needed to submit to VA and they would approve. Which she tried to contact the company and didnt hear back from them. I wrote an appeal letter immediately and sent the form plus another loan mod application in. Once again didnt here anythimg foe awhile. Finally when i called they said it was approved but at the higher rate and payment. They also said i haf 14 judgements in the property all in someone else 's name. They are still trying to figure that out. The housr was built in XXXX and i bought it in XXXX. There was only 1 other person that owned the home for like 6 months and that peraon was a female with a name not even close to mine. I got in touch with someone at the presidents office XXXX XXXX. He said he would look into it. He said he was going to run a title search. I asked why that would not have been done when i refinanced. Couldnt give me an answer. How could i have bought the hime and refinanced twice and this issue hasnt come up. I have NO judgements against me. I did not have a problem paying my mortgage before. Thr VA is now paying my full XXXX % XXXX payment. I talked to XXXX XXXX again a week ago. He said he wouldnt do anythi g about the rate. He tried to blame the va for my increased interest rate. When i asked why it has taken months to process my loan modification he said that i hadnt turned in complete packets. 2 outright lies. That is what is so upettting is that they have delayed ao long it is impossible to pay the delinquent payments. I was told when i started my payments would ramp up when approved. None of which is happening. I feel they have delayed the process so long and to increase my paymwnt right off the bat with less than a month to pay is rediculous. They are making money off of this misfortune. I have sent them EVERYTHING they have asked for. I have been in constant contact with XXXX XXXX ( XXXX ). I have emailed all of my packets, letters, bank statements, pay stubs so i have all the documentation.

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