BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-02
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I was effected by Hurricane Harvy. I contacted my mortgage company and they put me on forbidden plan. We agreed that, I will have 4-6 months to pay my balance. On XX/XX/XXXX I called the bank to discus my account info and they asked me if I can make any payments, so I decided to pay a good faith payment of {$3500.00}. On XX/XX/XXXX I called and I paid {$7000.00} which is 14 days before my payment that scheduled on XX/XX/XXXX I was surprised that, they reported me as past due 60 days and that effected my credit score. I do not agree with that at all. My credit report was mentioned as effected by natural disaster and I lost my house and business. I made my full payment and bring my account current. There is no reason to be negative reported. All payments and pics are available and were uploaded. This negative report will raise the risk of me been past due in the future. I may loss my work and this could lead to struggling for the future payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
I tried to login into my trans union acct and check report. It wouldnt let me so I called and they told me someone else is connected to my ss #. Someone named XXXX XXXX. Idk what to do and they didnt help at all said they would get back to me but they havent and this stopping me from being able to verify my id with other things in my life. Please help. 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 2020-02-26
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Rash Curtis company is trying to collect two medical bills that I do not owed. One for {$170.00} and the other for {$160.00}. They are denying that they are trying to collect the {$170.00} although it is on my credit report from them. They have trashed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: SC
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:
Inaccurate information on credit report. Please update and investigate and report accurate information on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 if 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 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
We Filed Bankruptcy in XXXX of XXXX. XXXX Delayed the release of the bankruptcy by 60 days because they would not reafrim the loan. To this day, they still have not reafirmed the loan. The paper work has been sent several times with no explanation other then they did not get the paper work. I have confirmation now that they have received it. We were released from Bankruptcy in XXXX of XXXX. They also took it upon themselves to change the way they pay our property taxes. We asked that they pay it at the end of each year and they have not changed that deciding to make it the 3 payment option after the XXXX of the year.

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 2020-02-26
Company: Experian Information Solutions Inc.
State: IL
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 three bankruptcies reporting on my credit report with Experian. Ive contacted them and told them I have proof from XXXX XXXX which is where they are getting there public information from that these bankruptcies was removed from my public records because they were open fraudulently they dont belong to me.

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 2020-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Despite numerous contacts with Capital One Bank USA NA A credit card issued to me was misappropriated and used without my permission. 
I explained to them that I could not have used the credit card as I was XXXX  in XXXX  XXXX  at the time. 
Capital One dismissed me by stating that I had given someone authority to act as administrator of my account over the phone and that I should have known about it. 
Despite my denials and proof that there was no way I could have used the credit card. 
They continue to post derogatory and negative remarks on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. I have always made my payments on time. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting Equifax Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from Equifax. There was definitely an error on their part. There was definitely an error on their part. Equifax is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY. 

( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
Capital One refuses to give me a lower Annual Percentage Rate on the interest on my credit card account which is currently at above 22 %. I have been a very good customer, made all my payments on time for one year, and will continue to make on time payments in good faith. I strongly feel that I am being treated unfairly due to a particular charateristic in my profile. When I initially made the request with a customer service representative over the phone, it took them less than 5 seconds to basically say no to my kind request, which leads me to believe that they are not truly giving customers fair treatment, and whatever criteria they are using to make these decisions is discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2020-02-11
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed an account with XXXX on XX/XX/2019 but they keep verifying it. Cavalry LLC. attempts to collect {$1200.00} on the account that they can not provide enough proof that they have the right to collect. I wrote them asking to validate the debt but they keep sending me a computer printout which does not make any sense. They keep trying to collect and keep reporting the account without being able to verify it. they hurt my credit and I can not qualify for any loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: FIRST HAWAIIAN, INC.
State: HI
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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have several payed off debts on my credit report that are years old, and I keep getting cold calls about paying off these debts

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 2020-02-27
Company: United PanAm Financial Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
United Auto Credit is refusing to Validate this debt as being mine. I have successfully challenged this account for reporting to the Credit Reporting Agencies false, erroneous, inaccurate, and misleading unverifiable info.This account was removed from my credit report, and subsequently re-incerted, in violation of FCRA and FDCPA, without the perquisite 5 day notice being mailed to me. 
I have requested proof of this alleged debt several times, to no avail. I am entitled to have the Original Instrument of Indebtedness bearing my signature, I, m entitled to Calculations of Deficiency Amount including fees and interest, and all of the mandatory notices associated with this collateral ie.. 
*NOTICE OF SALE *RIGHT OF REINSTATEMENT NOTICE *POST SALE NOTICE *ACCOUNTING OF SURPLUS NOTICE *RIGHT OF DEFAULT NOTICE DISPOSITION OF COLLATERAL NOTICE just to name a few things that this company is refusing to provide me with in order for me to Validate their claim that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: TekCollect Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2017, Tek-Collect placed a collection on behalf of XXXX XXXX XXXX to the credit reporting agencies. Per requirements Tek-Collect never sent a written notice. In addition, I noticed they recently ( within the last 2 weeks ) reported the collection to XXXX and XXXX. 

Would appreciate you help in this matter. Sincerely, XXXX XXXX XXXX. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am XXXX XXXX XXXX Servicemember. The vehicle was purchased after joining the service but I am still elgible under certain parts of the XXXX to protect myself from repossession. My vehicle was siezed by an agent ( Colleteral Recovery based in XXXX NC, I am local to XXXX XXXX XXXX, of Santander Consumer USA on XXXX around XXXX from my local address. I contacted the company today to inquire as to why it was seized. They stated my auto payment had been bounced back in XX/XX/2020 due to insufficient funds but was reassured there would be no issue moving forward as to autopay and making that payment online that was bounced back. I was never contacted about this by phone or email in regards to this issue. I attempted to make a payment on the first of XXXX online with the payment portal and it stated I had to contact them by phone due to error processing payment. I did so and they stated it had been bounced back but I could do it online again and submit it as they couldnt currently due to covid process over the phone payments. I attempted to due so and it didnt go through again. I have since then on the XXXX and XXXX of each month attempted to pay online as per their only allowed payment methods with the error message popping up and each time. Upon waking up on today, XXXX I discovered my vehicle has been repossessed overnight. I contacted the bank, received the name to the company who was their agent of Repossession and stated I would like to discuss with someone from the XXXX department. They were unwilling to transfer me stating I am not eligible at all for this protection. I asked if any sort of court order or judgement was signed authorizing the repossession of my vehicle. They stated they didnt need XXXX. Also stating I never signed any sort of waiver waiving my rights to the XXXX. Upon legal counsel acquired this morning I am not eligible for the loan to be capped at certain interest rates but must still receive a court order to have the vehicle taken. My wallet, military id social security card and drivers license are all in my vehicle and I have attempted to find out who has taken the vehicle to at least claim back those items as I need to them for work and have been hung up on. Please assist me as I feel my rights as a Servicemember have been utterly and completed violated under this act and that they didnt do their job to verify I was XXXX XXXX when I initially acquired the loan and my vehicle unlawfully taken without proper court mandated authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Rent Recovery Solutions
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Iam a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX XXXX /Rent recovery solutions this debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything. I was not even living in the state of Michigan at the time that this debt incurred I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : inform Rent Recovery solutions/XXXX XXXXXXXX XXXX XXXX the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I requested my free credit report from TransUnion in XX/XX/2022 via the XXXX website. TransUnion delayed providing me with my free annual credit report. I received a post card in the mail requesting that I verify my address with TransUnion before they released my credit report. The request required that I provide them with two forms of address verification with my current address. 

I contacted TransUnion to discuss the matter and verified my current address on XX/XX/2022. The representative refused to accept my information and proceeded to threaten me with disconnecting the call after I provided him with my current address multiple times. 

TransUnion is engaged in unscrupulous business practices. 

Homeless individuals should be given access to their credit reports notwithstanding their ability to verify their current address. 

In order to resolve this complaint I am requesting a free copy of my TransUnion credit report in earnest.

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 2021-06-23
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
CAPITAL ONE BANK USA NA Someone used my name to get a card and made payments. I need help to remove this. Im hurt bad Payment History Youve made 89 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status 120-149 Days Late Amount past due {$770.00} Worst Payment Status 120-149 Days Late Account Details Account status Open Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Worst payment status 120-149 Days Late Times 30/60/90 days late XX/XX/XXXX

Company response to consumer: Closed with explanation