BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-21
Company: S & S Recovery, Inc.
State: IA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today - XX/XX/19 S & S called me 5 times, called my husband 's personal phone, and called his work. I tried calling them back and they would hang up on me, send me to voicemail, put me on hold for long periods of time, and kept transferring me to people that weren't involved in the case without transferring me to the person I needed to talk to. The Vice President, XXXX XXXX was extremely rude to me, kept interrupting me, and not listening to what I was saying. Back a few months ago I told S & S that they were not allowed to contact my husband, but they call so many times a day, sometimes 3 times within a 20 minute period. I feel harassed by them. Also, they claim that I owe a higher amount than I actually do, almost {$2000.00} more than I do. I tried to resolve this but the managers were just rude and told me they could call whoever they want whenever they want, which is clearly against the Fair Debt Collections Practices Act. XXXX claims that everyone in his company is FDCPA certified but they can not follow simple laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Evening, I'm writing because Experian has not updated my credit score since XX/XX/2020. I've contacted all my credit card companies and they informed me that they have been accurately reporting every 30 days and that I need to reach out to Experian as to why they are not updating my credit score. On XX/XX/2020, my Experian score went up by 90 points ( picture attached ). On XX/XX/2020, Experian dropped my credit score by 82 points ( picture attached ) with no explanation. I have an online Experian account and usually when your score drop they give you some type of explanation, but this time they didn't. On their OWN website ( picture attached ) they say an average of 5-10 points will drop from a lender of an hard inquiry which I had none at the time of this drastic credit drop so what could have been the reason for such a huge drop? I applied for a credit card but that inquiry wasn't until on or around XX/XX/2020 which was way after my score dropped 90 points. Experian not reporting my score accurately has negatively impacted my life with regards to car loans/house loans as Experian is the go to credit agency. I've written a complaint previously with no results as CFPB just keeps marking my complaint as the same issues as earlier when that's not that case and they are not properly investigating as to what's going on with Experian not reporting my score for 4 months. I am asking CFPB to please contact Experian as trying to contact Experian is a job alone ( I can not find a working number for Experian for 6 months now ) and try to determine what is the problem as I feel Experian is pushing their Experian Boost ( add your cell phone or electric account and watch your score go up ) and if you are not interested in Experian Boost, then your score will remain the same. This had been ongoing for too long without any options for me to explore for a positive outcome. Thank you for any assistance CFPB can provide.

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 2021-04-02
Company: Southwest Credit Systems, L.P.
State: MI
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 had phone and internet service with XXXXXXXX XXXX XXXX in Michigan. The service was disconnected in XXXX. I applied for and established new service with the same company in XXXX or XXXX. There was no discussion of a past due bill or collection. I filed for Chapter XXXX bankruptcy protection in XX/XX/XXXX. XXXX XXXX XXXXXXXX was sold to XXXX. 

In XXXX, I received a collection notice. I called XXXX and asked for proof they tried to collect an unpaid balance. They did not have proof. I asked for past bills ranging from XXXX XX/XX/XXXX, they state they did not have any. I asked for any proofs regarding this action, they said their system did not go back that far. 

The collection agency said they did not have any proofs other than what they were told be XXXX. They have posted a negative item to my XXXX credit report. 

Why didn't XXXX issue a final bill? collection notice? Why let me establish new service if I owed a past due amount? Why didn't XXXX notify me of the debt right away? Why doesn't anyone have proof of this debt? If I was aware of a legitimate debt I would have included it in my Chapter XXXX filing. Can they just bypass a reasonable attempt to collect and just go straight to my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX stole my identity and opened a fraudulent account with Capital One in my name in XX/XX/XXXX. I was XXXX years old in XXXX XXXXl with no proof of income to obtain a line of credit of {$1500.00}. The account is now negative {$1800.00}. I have put fraud alerts on all 4 of my credit reports and have also sent letters to Capital One and spoke with representatives about the identity theft and fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery are stating that I have 5 debt collectors account with them and I sent out over 4 dispute letters, from XXXX, XXXX, and XXXX  asking for debt validation with the original contract and signature and have not received any documentation that I have been requested. They are updating my credit report with it meets FCRA requirements but have not sent out the documentation stating how it meets FCRA requirements. I do not do online disputes everything is mailed out so I'm very upset to how can it meet these requirements without giving me the right documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transworld Systems has reported a collection account on my credit report I didn't know was there. I've never received any information or had any contact with this company about this collection account. I have not been given any opportunity to verify the validity of this alleged debt nor have I gotten the opportunity to dispute the debt with the company. I submitted a dispute with TransUnion credit reporting agency and of course they say the company has validated the debt. I have no idea how that is even possible since I have not been in contact with this company nor have I been provided with any information regarding this debt. Transworld Systems has illegally reported this alleged collection account on my credit report and is in direct violation of the Fair Debt Collection Practice Act and the Fair Credit Reporting Act!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
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: Information belongs to someone else

Complaint:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I recently got a new XXXX as a early XXXX present. The phone came with an offer to apply for a XXXX credit card. I kept getting rejected because they could not verify my identity. Finally today ( XXXX ) they told me the issue appeared to be with one of the credit reporting agencies and to call them to find out what is wrong. Well I had an idea that it was because my name is very similar to my fathers name and this has caused me issues with these credit agencies for most of my adult life. About 10 years they put one of my deceased father 's account on my report and even used his SS #! It took the IRS to put a stop to that And few years ago I had to do a fraud alert to get some of this incorrect information removed even though it was just my fathers information. And yet it still continues to be a problem to this day. I called XXXX and they told me there was nothing wrong that would cause this issue with them so I needed to check the other 2 and suggested the free annual report. That's when things made a turn for the worse. I got the XXXX  report with no issues and the same with XXXX. That one did have my fathers old address and employer and I was able to dispute that. But then Experian refused to give me their report unless I mailed them first. I attempted calling them several times but as soon as they get my SS # and street address they basically hang up and won't talk to me. By the time I get this resolved, XXXX will have come and gone. If I have bad credit that is on me. But their constant screwups and slowness to respond are on them and they should be accountable.

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 2018-10-09
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Loan Servicing is using abusive unfair and deceptive loan servicing tactics in connection with my foreclosure process. Ocwen provided me an approved modification based on personal and financial information I DID NOT PROVIDE TO THEM. 
I declined the modification on XX/XX/XXXX and on XX/XX/XXXX, Ocwen made a motion for renewed summary judgement against because I did not accept the bogus modification. See attached. This is the fourth time Ocwen has done this. 
Ocwen is using the loan modification process to cause me great harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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 was switching my checking account from XXXX Bank to XXXX XXXX Bank. I had an existing autopay agreement for my Capital One credit card which was setup with my XXXX Bank checking account. I updated the autopay information with my new XXXX XXXX XXXX account. I waited to close my XXXX Bank account until the first autpay was completed successfully on my new XXXX XXXX account which occurred on XX/XX/2017. The next month Capital One processed the autopay from my old XXXX Bank account which had been closed, therefore resulting in a late payment. The next month they didn't process the automatic payment at all which is when I noticed the problem. I contacted Capital One immediately to process a payment to bring the account current and make sure that I was not going to be responsible for a late payment on my credit report. The representative fixed the automatic payment issue and assured me that because this late payment happened as a result of an error with their system that it would not show a late payment on my credit report. After checking my credit I noticed that it was indeed reporting a late payment as a result of this situation. I have contacted Capital One multiple times in an attempt to fix this issue with no cooperation on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: ACIMA CREDIT, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over the last few months I have disputed this account with your company ACIMA CREDIT XXXX XXXX with XXXX. Each time XXXX come back and tell me this debt has been verified. XXXX claims that your are verifying the debt in which I know this isn't true. If it is is true you are negligently and willfully violated the Fair Credit Reporting Act. 
ACIMA CREDIT XXXX XXXX is negligently and willfully failed to ( 1 ) conduct a proper investigation of my dispute, ( 2 ) review the information provided by the credit reporting agencies, and ( 3 ) direct the credit reporting agencies to report accurate reporting. I am asking this company to provide me a complete history of this account in its entirely if and you can not supply that and report accurate information to XXXX that they need to remove this from my credit report. Negligence will be brought into a lawsuit against this company for violations of the Federal Credit Reporting Act. Please also, give me information on when the last time XXXX sent over to you to do an investigation of the account that I am questioning as well as they may be liable for not investigationing my claims per XXXX Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Experian Information Solutions 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:
The credit reporting agency Experian has failed to provide me with copies of the documents being used to validate an account on my Credit report with them. The account is with XXXX  XXXX XXXX and they are acting as a debt collector trying to collect this debt with fraudulent documents. I have requested copies of the documents being used by the creditor but Experian has failed to provide me with the copies of the documents. I also want to be provide a copy of the business license 's for the lender listed on the documents being used by the creditor XXXX XXXX XXXX and the Lender being XXXX XXXX XXXX XXXX whereby showing they were licensed in the State of North Carolina in 2002 as a mortgage lender and were licensed to originate and fund a mortgage loan, but I have documents that state the above lender XXXXXXXX XXXX XXXX XXXX XXXX is fictitious and does not exist. XXXX  XXXX XXXX is committing fraud trying to collect this debt since they are not listed on the documents as having funded this debt. Without being provided proof of the above I request that the account with XXXX XXXX XXXX be deleted from my credit report with Experian 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 2018-01-23
Company: Experian Information Solutions Inc.
State: PA
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 send to XXXX,XXXX and XXXX, to remove this studetn lona or update, this was not remove due to bacnkcrucy, we all know student loan cant be remove with that, i have pay this and send them proof, even like that they live this ask discharge on bancrulcrucy, this was pay from my bank account. please update.

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 2018-04-06
Company: SYNCHRONY FINANCIAL
State: MA
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 have a XXXX XXXX which is administered by Synchrony Bank. On XX/XX/2018, Synchrony Bank withdrew {$820.00} from my checking account as an automatic payment for my statement. They should have reduced this by {$190.00} which I paid independently of the auto payment. Worse, they have not credited my account for the {$820.00} as of today, XX/XX/2018. They have credited the {$190.00} which I can use for credit. 

I was told there was a hold on the {$820.00} since it is a large payment, despite the fact that they withdrew the money from the same account as all previous payments including the {$190.00}. Further, the checking account shows the money has cleared my bank. 

I think this is fraud. I am told that I can not use the {$820.00} until XX/XX/2018. There was no warning. They are illegally denying me the credit promised. 

They seem to be above 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 2022-01-06
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: Information belongs to someone else

Complaint:
i recently pulled my credit report and noticed several accounts that were listed on my report that i did not authorize or give my permission to be opened. I am a victim of identity theft and I need these accounts and information removed from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Globe Acceptance, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a loan through XXXX XXXX on a vehicle. Ive had it for 3 years with only 11 payments remaining. My payment Is due on the XXXX each month and this month I had to wait till the XXXX to pay. XXXX, a gentlemen at the company called my work 7 times yesterday. I was busy when he called but he was giving out information about my account to other employees and even threatened to send someone to my job if they did not have me call back. The collection tactics with this company are unreasonable and completely illegal. I am also speaking with an attorney about rights that were violated by the comments made to employees at my job. I will be pursuing a lawsuit within the next 2 weeks. With the written statements I have from work and clear violations this company has made, theres more than enough to put them back in their place

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
The Original Account was with XXXX. Based on the statute of limitations in WA state the collection agency shouldn't be reporting on my credit on this debt. I have already been impacted by my credit from 2013 for 6 years. This is caused me to have high-interest rates and now that it dropped off my credit this collection agency is reporting. They also contacted me and left a message without leaving the details of my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, INC.
State: WA
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 tried to have a have a collection company removed from my credit report which I am not responsible for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
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:
I closed on the sale of my home in XX/XX/XXXX and paid off my loan with Bayview Loan Servicing. I received a letter from Bayview that my loan was paid-in-full in XX/XX/XXXX. However, I received a notice from XXXX  and XXXX that Bayview is reporting my account delinquent and 30 days late with {$0.00} due. 

I had this issue fixed in XX/XX/XXXX but it has reappeared again in XX/XX/XXXX. There are no managers or supervisors or points of escalation that have been able to fix this reoccurring problem. It is a violation of the Fair Credit Reporting act and fraudulent to try and collect on a loan that is paid in full.

Company response to consumer: Closed with explanation