BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-18
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
{ 15usc1692 } ( e ) { 807 } ( para ) ( 13 ) false representation or implication that documents are legal process from local county court being served by law enforcement. { 15usc1692 } ( d ) ( 806 ) { para } ( 5 ) causing a telephone to ring or engaging any person in phone conversation repeatedly with the intent to annoy, abuse, or harrass the person at the called number over 5 times in one day.

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 2022-09-13
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:
XXXX XXXX  is reporting a debt from XXXX  XXXX on my credit report and I have requested verification of the debt that they have failed to provide to me and Experian XXXX and XXXX fail to delete this from my report. They dont care I sent them a certified letter recently with return receipt just because they have ignored all of the disputes they have ignored. If they ignore this letter I will consulting an attorney for them violating my FCRA rights as a consumer.

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 2020-09-15
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: Investigation took more than 30 days

Complaint:
I recently sent letters over 45 days ago to these credit bureaus and they are disregarding a regular consumer disputes. I am concerned and stressed and have been sending letters before this and still no correct action has been taken.

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 2021-04-06
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
They told me they couldnt do anything about it, to call XXXX XXXX. I called XXXX XXXX so they could remove the false information and they told me its correct like XXXX, my credit score has been XXXX ever since the vehicle was totaled and was being paid by insurance. The vehicle was paid by insurance company and gap coverage insurance people. The vehicle was totalled XXXX XXXX and it is now XX/XX/XXXX i need 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 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capitol one Na passed the debt to XXXX XXXX XXXX I told them I was locked up since XX/XX/XXXX XXXX XXXX XX/XX/XXXX in XXXX county I o I also saw the debt was incurred at a Airport and in XXXX XXXX I have not given anyone the right to use my name or open up anything for my benifit or with my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-02
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I never received a letter or email to have the chance to dispute or verify the validity of this debt.i started receiving phone calls and my family,, threatenting to have a person show up at my job to serve me papers.and was told a warrent for my arrest. Will be issued because i wrote a bad check .no options to make payment arrangments.had to close my checking acct.i had to change my phone number..i was never given to option to explain what happened .the reason that i was unable to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid the entire credit card balance off of {$6500.00} on XX/XX/2021 and its shows going thru my credit card statement. On XX/XX/XXXX, XXXX, Capital One decided to charge interest charges of {$99.00} before my statement is even due. They refuse to refund the {$99.00} thou it was on a {$0.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-07
Company: WELLS FARGO & COMPANY
State: MA
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:
In XX/XX/XXXX I applied for a loan modification with Wells Fargo Home Mortgage. I was granted the loan modification and complied fully with all terms of the agreement. I made every payment on time throughout the process. I sold my home in XX/XX/XXXX as a regular sale and settled my mortgage with Wells Fargo. My credit report now shows that there were several months of unpaid payments for the mortgage, even though we complied and made every payment on time. I would like Wells Fargo to remove all data from my credit report completely as this has made obtaining any new credit impossible and has a severe impact on my life.

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 2019-11-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened an account with Synchrony Bank ( through Guitar Center ) in XX/XX/2018. I never received my card in the mail, so I called to inquire and was told that I would be sent another one. A few months later, I noticed that this account was reported as " closed '' on my credit report. I have started a dispute twice with Synchrony, who insists that they were correct in reporting my account closed because they had to send me a second card. I don't understand how this could possibly be correct. Even if a lost card was tantamount to a closed account, THEY are the ones that lost my card, so I don't understand why I should be punished for that. My credit score went down because of this inaccurate reporting and I'm very frustrated by the fact that they don't seem to actually be doing any investigating.

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 2019-11-02
Company: 21ST MORTGAGE CORP.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2019, I called my mortgage company because I was starting to fall behind. They informed me that they could not offer me any options to help me. I asked them whether or not they had heard of XXXX XXXX Michigan ( my state 's hardest hits fund program ). They stated that they had not heard of this even though they are one of XXXX XXXX  's approved lending companies that they help with. They also told me that they frown upon me receiving outside help and it could hurt me in the future. Therefore, I was led to believe that a foreclosure was guaranteed and that because I had some late payments ( 10 days or less ) they were going to use that against me in the foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
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: Account information incorrect

Complaint:
Inaccurate reporting. XXXX Account is listed as a charge-off for both Equifax and XXXX, however reports a balance and past due balance. A balance can not be reported an a charged-off account and the reporting is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX {$1100.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2021-09-11
Company: TRIAD FINANCIAL SERVICES, INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX and I live in the mobile home purchased by XXXX XXXX and XXXX XXXX. in XXXX Alabama. The mortgage is between them and Triad Financial Services out of Florida. The property has been " Closed on '' for over a month yet Triad refuses to pay the mobile home company, demanding instead for additional employment information after the fact. Even after that information is provide their response is Let me check on things. As a direct result of Triads breach of contract in paying for the mobile home the mobile home company can not have contractors install water and sewage. For the past month we have ( I have ) been living in a mobile home with no water, or sewage. As a direct impact of Triads breach of contract and failure to conduct business all of our other utilities were greatly delayed as well. My name is not on the mortgage but I am directly effected by their refusal to pay and continued breach of contract. 
Regardless of any circumstances, XXXX and XXXX both signed and agree and are willing and able to pay back a mortgage. Triad signed and apparently is unwilling, unable to uphold their end of the contract. 
Their failure has resulted in financial burden upon myself, XXXX XXXX, XXXX XXXX, and the manager of the mobile home company. Immediate resolution and restitution is needed for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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 : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. 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 non-monetary relief
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Inquiries on TransUnion XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized and Inquiries on XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-02
Company: HOVG, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greetings. Happy Holiday Season. Thank you very much for taking a little time to perhaps help assist me on this matter. Since XX/XX/2019 I have been diligently taking care of my personal financial obligations with respect to credit. I have been successful at taking care of my priorities. While taking care and finishing up things on my credit I come to learn that there were a couple of companies that I honestly do not recognize as mine and do not know who they belong to. I sent a each one of them all certified letters that is a formal notice that their claim is disputed. I requested Verification of debt or any proof for that matter. They all sent me the same type of letter suggesting the debt was mine without any real proof. I diligently sent a second letter asking how did they come about with that fallacious claim and by what method did they use to verify the debt or accounts being claimed in my name. They again failed to do this after 60 days of sending letters. So I tried another way to see if XXXX XXXX XXXX  or XXXX could help me look into the matter. I am humbly shocked to see that they are claiming this is mine without proof. I later learned that not having my signature binding me to any type of contractual agreement to pay them is in fact a violation. So Here it is XX/XX/2019. I am willing to take them into court for this however I am a humble somewhat modest individual who simply is seeking help from you guys now. 

Company 1 : XXXX XXXX XXXX saying I owe {$130.00} Account number XXXX**** XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Company 2 : Bay Area Credit Service saying I owe {$860.00} Account number XXXX**** BAY AREA CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
In Q1 XXXX, I was informed that 'I ' defaulted on a private student loan taken out back in XXXX. The remaining balance was XXXX dollars. I paid the balance, but my credit report never reflected a paid-in-full status. I called the company multiple times, but they refuse to update the information. 

At the same time, they claimed I defaulted on another loan with a balance of about XXXX. This loan showed an origination date back in XXXX as well. The records they sent me indicated the loan was placed into deferment without my consent or knowledge when I went to XXXX  school in XXXX, and it was only after I graduated in XXXX that they approached me about the default status in Q1 XXXX. These documents also showed that they were not the real party of interest since they couldn't prove ownership after they purchased the loan from another originator. Yet, this item remains on my credit report after they closed the account with a collections/charge-off status, stopped reporting it, and sold it to another company that does not report this to the bureaus. The company refuses to remove the item. 

The company is XXXX. I've disputed this with Transunion and XXXX  multiple times, but they refuse to update the 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 explanation
Consumer complaint received 2021-06-08
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX a check amount of {$2200.00} was mailed out and to be applied for XXXX and XX/XX/2018 payment making me paid up for 2 payments in advance.Unfortunately, it wasnt applied to my account XXXX XXXX. Resulting me to be reported late with the credit bureaus profile as being 30 days late twice on XXXX and XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Experian Information Solutions Inc.
State: OH
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:
Over the past year Ive been trying to find out my credit score, no matter what company I use none of them are able to identify my social security number. Ive confirmed with my social security card that its the correct number. 

Im very confused on where to go from here. What help is available?

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 2019-11-02
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I never received a letter or email to have the chance to dispute or verify the validity of this debt.i started receiving phone calls and my family,, threatenting to have a person show up at my job to serve me papers.and was told a warrent for my arrest. Will be issued because i wrote a bad check .no options to make payment arrangments.had to close my checking acct.i had to change my phone number..i was never given to option to explain what happened .the reason that i was unable to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX {$1200.00} This is not my account I have ask for them to verify the information that I sign and any record showing me thats its my account I have yet to receive that they are reporting false information to my credit report which is by law needs to be removed

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have accounts on my credit report that does not belong to me, I called the credit card company they told me they would remove the late payments and have yet to do so

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