BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
At the time of the identity theft gain access I believe my personal information including my Social Security number was used to open up accounts without my permission in my authorization I hope by submitting this report it will help me stop put a stop to this issue

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 2022-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Recovery Portfolio calls me and my husband multiple times a day. I told them to only contact me by mail and they have yet to do so. They ask for my information but refuses to give me any information unless I identify myself. They give personal debt information to my husband. They call after XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09
Company: Experian Information Solutions Inc.
State: NH
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:
Repeated incorrect accounts are added to my credit report by Experian. The information is placed on my report due to a consistent error with my SS # which causes accounts not associated with me to be added to my report. I have reported this several times and have an active dispute with Experian but the problem continues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of this year, I had reached out to Capital One for pre-approval for a mortgage. I was received a pre- approval letter stating that I was approved for a conventional loan for up to XXXX with XXXX down. I found a home and put in an offer and went into contract. This is where the issues began. Upon completing my application the loan officer ran my credit and my score came in at XXXX. Prior to my pre-approval my score was XXXX. I asked my loan officer why my score was different as they are the only ones who have touched my credit. I was never able to obtain an answer regarding this from the loan officer and her boss. I was advised that I would only qualify for an FHA loan regardless of what I put down. I was advised that I could not put down a lesser amount even though FHA guidelines state that I can put down XXXX. There was an appraisal issue with the home which me and the seller resolved. I changed my down payment amount the XXXX. So during the underwriting process I was given many different figures and then was advised that I need to put down XXXX and pay off my vehicle at closing and I can close on XXXX. Then I was told the next day that I will have pay off my vehicle with my bank. I talked to my loan officer who couldnt give me answers so I contacted their manager. He promised that I could close on XXXX and pay my vehicle at closing. The next day I given a document that didnt have the right numbers and was asked to acknowledge and sign. I refused and my loan officer advised that they will look into it. Then I was advised to put XXXX down and then XXXX down and pay off my car again. I took my concern to the loan officer 's boss and he advised that they are fixing the problem and they could not give me numbers until XXXX even though I am supposed to close on XXXX.They refuse to provide me any accurate documentation and gave constant misinformation numbers and approvaI. I ended up ending the contract to purchase the home and discontinuing the loan process. 

I had previously filed a complaint with the BBB and Capital One refused to take responsibility and provided false information in response to my complaint. 
The reason I am writing to your organization is that I was a victim of predatory lending. I am also writing to report their deceptive business practices. 

Attachments : I have attached two different email chains : Closing Disclosure : This is conversation with the loan officer about the closing disclosure that they ( capital one ) asked me to sign with the wrong amounts. 
Agreed Closing Amounts : This document had the down payment amount and closing date that I had agreed on with Capital One before they changed it two days prior to the closing date. 
I have also included their response to my BBB complaint that did not provide factual information. My rebuttal to this complaint is attached as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: DISCOVER BANK
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In early 2021, I contacted Discover to inquire about a credit line increase. I provided my estimated income, and submitted the form. I was denied a credit request and told a letter would come in the mail. The reason for the denial was that I did not spend enough money on the card. A few months later, I submitted a second request, repeating the above steps. This time, I was denied because I spent too much on the card. My closing balance was {$400.00}, and my available Credit was {$1600.00}, of {$2000.00} of the credit line in XX/XX/2021, I submitted a third request for a credit line increase. I was again denied, this time because of lack of information on a mortgage, or installment loan. Its interesting that a credit card company can decline an application for lack of mortgage, or installment loan, when that can not be a determining factor It seems that Discover wants to send me dozens and dozens of letters, and emails asking me to sign up for ID protection, or student loans, or mortgage information, but they refused to help me with something that might actually work for my needs. 
I applied for a new Discover credit card, the Discover it XXXX card. My application was denied, because of lack of mortgage or installment loan information. The unfortunate thing is a hard inquiry was placed on my credit file, when I was already a Discover customer. A hard inquiry is not necessary when I am a current customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX and XXXX The collection Agency XXXX XXXX XXXX on which is located on XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly. They have also violated the following laws. 

- 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$20000.00} for violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
ATTN : EXECUTIVE OFFICE AFFIDAVIT OF TRUTH Notice to all, I am that I am, the consumer in fact the natural person original creditor, lender, executor, administrator, holder, in due course for any and all derivatives thereof for the surname/ given name XXXX , XXXX , and I have been appointed and accept being the executor both public and private for all matter proceeding and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent attorney in fact so be it. 

Where as, I of age, of majority, given this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that maybe, and I depose the following facts, so be it, now present : Fact, The FAIR DEBT COLLECTION PRACTICES ACT is intended to secure my right to privacy and my privacy has been breached so be it. 



Fact, Pursuant to 15 USC 1681 ( B ) ( 2 ) I am requesting that your company produce a contract with my signature granting the permission to furnish these accounts to my consumer report. Pursuant to 15 USC 1681 no consumer report shall include factual information or credit transactions. Your company is in violation of Federal Law. Due to identity theft these fraudulent accounts have damaged my credit worthiness. 

I did not authorize the following accounts : - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  XXXX - US DEPT OF ED/XXXX  Fact, I am sure the removal of these accounts from your company records or any and all derivatives therefore of and or with any affiliates will ensure my privacy rights will not be violated again due to my lack of consent and this herein unrebutted AFFIDAVIT OF TRUTH being serviced to you today and therefore standing as truth in commerce so be it. 

Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your website in order to avoid me receiving further injury, damages, XXXX XXXX, and losses due to me being a victim of identity theft, so be it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Experian Information Solutions 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 information incorrect

Complaint:
Looking over my Experian credit report i noticed that XXXX Bank is reporting negative information about an account that was paid in full and closed. I have talked to XXXX and they are staying their records are showing that everything is reporting correctly with no negative marks.

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 2018-02-22
Company: Ad Astra Recovery Services Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Took out a loan with the company XXXX on or about XX/XX/XXXX for the amount of XXXX dollars.The account went into default XX/XX/XXXX. I paid XXXX XXXX in XXXX or XXXX The full amount I owed them. XXXX XXXX has the record and exact date the loan was paid off. The problem I'm having XXXX XXXX uses a company by the name of AD Astra for recovery services. This company have been reporting this account to all three credit reporting agencies which by the way since XXXX or XXXX has been a XXXX  balance. I have call XXXX XXXX and AD Astra to resolve this issue and have not been given any sort of resolution. I'm currently using XXXX XXXX XXXX to assist me in the resolution of this account. I been working with XXXX XXXX since approx. XX/XX/XXXX and nothing they have done has resolved this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: EQUIFAX, 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:
Equifax is reporting a negative account ( # XXXX, {$7600.00}, XXXX XXXX XXXX XXXX ) on my Equifax credit file as a " Charge off, '' when in fact the account is a civil judgment ( see attached court document proving this account is a civil judgment ) that does not contain the proper identifying information. This account is being falsely and inaccurately reported as a charge off. This is a civil judgment and not a charge off. It does not contain my social security number, my address or my date of birth. I have disputed this account with Equifax several times and each time Equifax responds with a notice that the account was verified by Equifax. ( See attached response from Equifax, page 3 ) Equifax provided no documented proof that it should have requested and received from the creditor as a part of its investigation. Equifax has no documented proof that this account is not a civil judgment and it Equifax has not conducted a proper investigation of my disputes according to the law. This account is not being reported by the other two credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
At the time of the identity theft gain access I believe my personal information including my Social Security number was used to open up accounts without my permission in my authorization I hope by submitting this report it will help me stop put a stop to this issue

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 2018-03-26
Company: AES/PHEAA
State: AR
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 recently contacted XXXX  XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX  XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XX/XX/XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX  XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX XXXX received a letter back stating that that was not my address. Fourth XXXX XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXX and have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX  XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: STERLING JEWELERS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is a XXXX XXXX credit card service provider. XXXX XXXX and XXXX XXXX XXXX XXXX both promote 0 % interest for 12 months on purchases over a certain amount. I qualified for this 12 percent interest. The only reason I applied for the credit card was because of the 0 % interest for 12 months but somehow I am still being charged the highest interest rate at 26.99 %. I called customer service for both XXXX and XXXX and could not get this resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Professional Finance Co. has filed three collections accounts ( {$2400.00}, {$1800.00}, and {$1600.00} ) to the major credit bureaus against me. However, they have not contacted me in any way either by phone or mail. I attempted to contact them, but they have provided no verification of these alleged debts. They credit bureau filings occurred in XX/XX/2018. They have had plenty of time to provide verification of these alleged debts and continue to fail to do so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: DISCOVER BANK
State: MD
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 loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXXXXXX, XXXX, XXXX  and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Back in XX/XX/XXXX my credit report showed a inquiry from XXXX XXXX. I never applied or ordered anything from them. I called them and XX/XX/XXXX they sent me a letter stating they sent a letter to all 3 bureaus to remove it. I faxed Equifax a copy of the letter to the dispute department and I disputed it online. I contacted them several times and they never removed it. So I filed a complaint with you all. I have been working with XXXX XXXX, Trade Practice Specialist Better Business Bureau Serving Metro XXXX , XXXX & XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX is not attempting to solve my problem. This has been going on Since XX/XX/XXXX. I spoke with XXXX again They said they sent and update 3 times to have this inquiry removed from my credit report. I spoke with Equifax and they said they do not remove inquires. I am very angry. this should not be on my report if it does not belong to me. I have never applied with XXXX or ordered anything from them. So why should this be on my report? Again I inquired about this in XX/XX/XXXX. I got this email Complaint ID # : XXXX Business Name : Equifax , Inc. You recently requested our help concerning a problem with the company named above. The company has not responded to BBB to date. If you have heard from the company please contact our office using the link provided or return this letter via mail. XXXX Please use the following to log in : Case ID : XXXX Password : XXXX Sincerely, XXXX XXXX XXXX Trade Practice Specialist. Sent me another email saying You only filed your complaint in XX/XX/XXXX, it is with Equifax now and as soon as we get a response it will be forwarded to you. It should not take this long to investigate something that does not even belong to me. Your attention in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation