BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
Company: Experian Information Solutions 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 filed a complaint with Experian regarding my gettington account. I noticed that the company was no reporting the credit limit for this account which has a drastic affect on my utilization. I advised Experian of this online. And days later they sent me notification that they verified the account as accurate. This is very scary. Because I never asked Experian for validation. I simply asked them to correct the information on my gettington account BECAUSE CREDIT LIMIT ISNT SHOWING 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 explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax should not be reporting a current balance of {$12000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was included in my bankruptcy. ( I have included the letter I received from XXXX dated XX/XX/2016 stating you are NO longer responsible for any payments or the overall disposition of this student loan. I have also included my identification documents for reference. ) This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Hello, My FICO score dropped by 43 Point just in a Day on XX/XX/2020. I was excellent FICO score person and it was big drop without any big reason. I have not applied for any Mortgage or Loan Just I applied a XXXX Credit Card. I feel Experian intentionally dropped 43 point FICO score just because of this so that I can take some services  from them to improve my FICO score. 

Please help me to correct my FICO Credit Score. 

Thanks

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 2022-08-07
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 is missing that should be on the report

Complaint:
TransUnion deleted this Account. This should be reporting! This CLOSED ACCOUNT, XXXX XXXX, REVOLVING, CREDIT CARD, XXXX, PAID, Balance {$0.00}, Pyament status CURRENT, Last Reported XX/XX/2013, Date Last active XX/XX/2013, This Account is not reporting on Transunion , Please verify with XXXX XXXX, and start reporting it again. THIS ACCOUNT SHOULD BE REPORTING, ATTACHED document you will see XXXX XXXX is reporting on XXXX and XXXX credit reporting Agency.

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 2017-09-14
Company: EQUIFAX, 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 have a XXXX account reporting on my Equifax report. They 've showed it verified and they wont reinvestigate. XXXX and XXXX were n't able to verify that same account. During the time of my investigation was the same time that Equifax had security breech. The name on the XXXX account and the name on my Credit Report does n't match up. I know that because XXXX sent a letter to my home with a different name on it. This account is reporting and it is costing me XXXX points of my credit score. My XXXX and XXXX XXXX are in the XXXX 's. I do n't know what else to do besides send another complaint. Knowing my information may have been compromised during my disputing process and knowing I 'm being penalized would only lead me to take lawful action. All Im asking is that this account be deleted so that I can live my life for my family and get the best interest rates to purchase items that I know I am credit worthy for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
My husband has an account with HSBC. On XX/XX/2019 I went online for the first time to make a payment. I could not figure out where to go to make the payment. So I called HSBC and the representative said I would need to give my social security number to add me, I told him no. So he said that my husband would have to call in to add me. I did a conference call with my husband on the line, and he specifically told them that I did not want a credit card that he was only authorizing me to make changes to the account. We got it settled. On XX/XX/2019 I received two credit cards from them in my name with a credit limit of {$5000.00}. I called HSBC, they said trash them. I got an alert from XXXX XXXX that someone added me to their account. So now this is on my credit report, which I did not want. How do I close this account without it affeecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Credit Corp Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a total of 12 phone calls on XXXX XX/XX/2021 and the morning of XXXX XX/XX/2021 from Credit Corp Solutions. The company failed to cease calling me after I asked them to cease and desist any/all communication with me. On XXXX XX/XX/2021 they started calling me at XXXX, at which time I asked to speak to a manager at the call center. I spoke to XXXX XXXX and he informed me that they use an automated dialing system to call debtors and that they were looking for someone named XXXX, about whom I have no knowledge. I'd like for this company to stop harassing me, my family members, and anyone associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Ocwen loan servicing has been returning my mortgage payments since XX/XX/XXXX, lastly I sent a Cashiers check of XXXX for a written agreement for a repayment plan. 

I am actually behind about {$8000.00} but Ocwen imposed penalties and late fees. I should not be penalized at all for this mortgage fraud since I was in Chapter XXXX bankruptcy. Also, in XX/XX/XXXX, Ocwen told me I needed to fall behind in payments in order to qualify for a Loan Modification. Now ocwen is threatening Foreclosure. 

Please add me to the Class Action lawsuit against Ocwen for Mortgage Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Receivables Management Corporation
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2018-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had 3 accounts open with Bank Of America from XX/XX/XXXX-XX/XX/XXXX. All my earnings/assets ( all the money I have to my name ) is inside the account with a positive balance. A balance of {$120.00} ( estimated the cents ). I just would like to revive ALL my money that was inside the account quicker than 10 days I cant wait at long I have a wife, kids, and up paid bills.

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 2021-05-23
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MBA at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX has been sending me collection noties in the amount of {$1400.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX continues to report to Equifax ; XX/XX/XXXXand XX/XX/XXXX that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My vehicle was repossessed in XX/XX/XXXX. At that time I tried to pay the full past due balance to redeem my vehicle but Ally would not allow it. At the time I filed a complaint with the CFPB XXXX because my vehicle was repossessed prematurely and because they were not using my mailing address as requested I did not receive the repossession warning notice. Mysteriously, all my monthly statements were going to the correct address but the only repossession notice sent, went to the address on my original loan application. Ally refused to allow me to redeem my vehicle without paying the entire loan in full, as evidenced in their response letter to the CFPB. On XX/XX/XXXX I wired them {$18000.00} which was rounded up, as they gave me {$18000.00} and some change. I called an hour before I wired the money to confirm with the redemption department as every time I called the figure kept changing. I redeemed my vehicle on XX/XX/XXXX. They XXXX XXXX me the title and said I had to sign it back over to them or re-register it again because my car was just about to be sold and the title was taken out of my name. They said as soon as my account closes out they would mail me the title and that it would take 45-60 days. Since then they have refused to give me my title and have claimed that I still owe them money and have been reporting negatively to the credit bureau. I called a few times trying to rectify the issue but everyone I speak with says there's a balance but can't explain why or how the amount changed in 1 hour from the time I called to the time the funds were wired. In XXXX and XX/XX/XXXX I tried calling to see if I could get this taken care of again but with no luck. In XX/XX/XXXX when I logged into my online account it said the Total Due was {$140.00}, the Total Payment Due was {$1000.00} and the Next Due was {$170.00} on XX/XX/XXXX. When I logged on inXX/XX/XXXX and requested a payoff figure it said I owed {$240.00}. I received a letter on XX/XX/XXXX stating I owe {$470.00}. And as of XX/XX/XXXX they are reporting that my account is Derogatory and that I owe {$230.00} clearly there is an error.

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 monetary relief
Consumer complaint received 2023-01-26
Company: RMS-Recovery Management Services, Inc.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
account number # XXXX I do not give your company permission to share, sell, release, buy or report information derived from my consumer profile and that was derived from your data files within your systems. Reporting to affiliates or any XXXX-party affiliates ( XXXX, XXXX, XXXX ) violates my privacy. The information you are furnishing to CRA 's is inaccurate and incomplete. I am a consumer who has been the victim of fraud. I have a fraud alert on my credit profile that was ignored by your company to issue credit. I did not give XXXX XXXX XXXX XXXX New York Permission to sell, share, release any of my consumer credit profile.

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 2018-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 made a payment following my XX/XX/XXXX due date however Capital One applied it towards my XX/XX/XXXX-XX/XX/XXXX billing cycle as opposed to correctly crediting my XX/XX/XXXX-XX/XX/XXXX cycle. 
I made a payment for XX/XX/XXXX-XX/XX/XXXX on XX/XX/XXXX. This payment satisfied the amt due for XX/XX/XXXX. I made my next payment on XX/XX/XXXX, however they applied it to the previous cycle and did not correctly apply it towards XXXX. 

At there request I am paperless. At there request, I use there App for my acct management. The App lists the due date, it makes no mention of billing cycles, no information relating to which cycle a payment will be applied. The only information I have on there App 's acct info screen is the due date. I made my payments based on that date. Based on the info they provide the customers on the App, they did not apply my payment correctly, perhaps this is intentional and warrants a UDAAP review as it likely causes many customers to fall behind and allows Capital One to earn revenue generating late charges. 

I attempted to resolve this on XX/XX/XXXX at approximately XXXX. I called the customer service department and spoke with a CS Agent. That agent put me on hold to investigate, they could not explain the posting process. After being on hold for multiple minutes, I asked for an update and received no response. That agent then disconnected from our call and hung up. I believe she knew that she wasn't confident in CapOne 's reason for how they posted. I called back and spoke with XXXX ( XXXX ). She said they " couldn't change the payment ''. I requested she take an internal complaint and advised I'd be contacting the CFPB to complain as well. 

I believe there are potential UDAAP ( App could be deceptive in due dates ), FDCPA ( Acct not updating balance/amt due correctly ), and Reg Z ( payment not applied correctly ) issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: PA
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:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found a debt collection agency listed in my credit report. FDCPA 809, states that debt collectors have 5 days to notify the alleged debtor, the name, address, phone number, the amount of the alleged debt,  notification that you have 30 days to despute the alleged debt, or 30 days to even have the debt verified. 

XXXX XXXX XXXX failed to notify me in any way. 

NO PHONE CALL, NO LETTER, NOTHING, BEFORE POSTING THIS ON MY CREDIT REPORT. 

SO, XXXX  XXXX XXXX, YOU ARE HEREBY NOTIFIED OF THE FDCPA VIOLATION. 

There has been case laws that consider putting this in a credit report constitutes the fist initial communication. You had 5 days to notify me of my FDCPA rights, which you just violated. 

You put this in my credit report on XX/XX/2018. Your 5 days are GONE. 

So, NOT ONLY DID YOU FAIL TO NOTIFY ME OF MY RIGHT TO DISPUTE, YOU DID NOT NOTIFY ME OF THE NAME ADDRESS OR OTHER INFO ON THE ORIGINAL CREDITOR, YOU DID NOT TELL ME THE AMOUNT OF THE ALLEGED DEBT, AND YOU SENT NOTHING AS FAR AS PAPERWORK THAT EVEN VERIFIED OR VALIDATED THE DEBT. 

YOU BROKE 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 2021-02-24
Company: SYNCHRONY FINANCIAL
State: NY
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 had dispute this hard inquiry on my account and you guys did the research and it came back correct that it was wrong. That was done most ago and still today it still pops up on my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a closed credit card with Navy Federal Credit Union. I have been paying on my card for over two years now on time every month. The credit balance is not increasing correctly and my debt balance is not going down. I called Navy federal twice and they dismissed my complaint by saying the money is going towards the APR. It looks like they are just taking all of my money and none of the money is going towards paying the balance down. My credit score is very poor now and they keep reporting my card as not paid up or on time in which I've correctly did both. I need help in fixing this and do not know who to speak to..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
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:
XX/XX/2018 - I sent a letter to all three credit bureaus requesting them to verify the debt with Commonwealth Financial. 

XX/XX/2018 - Received a letter from XXXX  stating that the account has been verified. 

XX/XX/2018 - I have sent a letter to Commonwealth Financial asking them to validate the debt. I also sent letters to all credit bureaus asking them for verification procedures to justify how they verified the account. 

XX/XX/2018 - Sent a letter to all three credit bureaus after the account was verified with them, however I have yet to receive a response from Commonwealth Financial, and they are still reporting on my credit with no accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: IN
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  XXXX account number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  account numbers XXXX AND XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: ACIMA CREDIT, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Approved for a mattress on XX/XX/18 and wanted the 90 day payoff. Called in on XX/XX/XXXX to change the payment amount for it to end on XX/XX/18. Noticed that XXXX was taking out the incorrect amount on what was supposed the final payment. Called in and spoke with XXXX XXXX senior agent who acknowledged that it was their fault that their system didnt change the payment amount and that we had to go full term which was an extra {$600.00}! XXXX, XXXX, and XXXX blamed US for not catching their error. How are you blaming the customer for an admitted error on YOUR PART. Requested {$90.00} be taken out biweekly but they were only taking out half of that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10
Company: TD BANK US HOLDING COMPANY
State: NC
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:
Target agreed to accept {$350.00} as payment in full to resolve the account. The call was recorded and I have the recording. I mailed them the check and in exchange they were to resolve the account in full but they are still saying I owe them Money. They did not follow the terms in the attached letter but they did cash my check. My balance should be XXXX and they should honor their agreement.

Company response to consumer: Closed with explanation