BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-23
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: Investigation took more than 30 days

Complaint:
I spoke to this company about my hardship due to Cov-19 that I had and they told me for my XXXX and XXXX payment I could do a deferment with them and if I need them to another because of the pandemic contact them back so I did do one for XXXX also. This was not suppose to effect me negative in any way. Now I am showing all late pays for XX/XX/2020 and XX/XX/2020 and now XX/XX/2020. They stated this should not hurt my credit now it has.

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 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I spoke to this company about my hardship due to Cov-19 that I had and they told me for my XXXX and XXXX payment I could do a deferment with them and if I need them to another because of the pandemic contact them back so I did do one for XXXX also. This was not suppose to effect me negative in any way. Now I am showing all late pays for XX/XX/2020 and XX/XX/2020 and now XX/XX/2020. They stated this should not hurt my credit now it has.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Trans union and XXXX  will not remove a debit that yet have validate verification they just keep stating updated with out verification a collection XXXX XXXX for XXXX was on my credit last year and removed and now added back I have no knowledge of the account and dot believe its mines XXXX recently had a breach in selling customers identity. I will like this account 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 explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions 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:
I sent dispure letters to all three major credit bureaus disputing inaccurate information. I mailed my dispute letters certified mail with a copy of my driver 's license ss card and a bankstatment with my current address on it. I sent 2 letters to each with no results or anything.

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 2018-06-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I wrote to XXXX XXXX ( XXXX XXXX XXXX ) , XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, DE XXXX per the the Fair Credit Billing Act on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX is charging me fees and interest on defective XXXX XXXX gift cards I returned via XXXX XXXX XXXX XXXX on Monday XX/XX/XXXX at XXXX and it was signed for by XXXX. 

I received a letter from XXXX XXXX dated XX/XX/XXXX in which they stated they will not process my dispute per the Fair Credit Billing Act. XXXX XXXX said in the XX/XX/XXXX letter they can't process defective XXXX XXXX catalog orders. However, the Fair Credit Billing Act clearly states XXXX XXXX should process this dispute without fees and interest. 

When contacting XXXX XXXX they state any problems with the XXXX XXXX Credit card statement must be directed to XXXX XXXX, which I did on five separate occasions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-11
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I writing you to lodge a formal complaint against LVNV Funding LLC. This debt collector placed marks on all three of my credit reports ( XXXX, XXXX, and XXXX ) without proper notification, as I received no dunning notification per required by the FDCPA legislation. Credit reporting is considered collection activity. When I attempted to send debt validation to the address they provided, the notification was sent back to me return to sender, as the address was inaccurately listed on my credit report. This company has an F with the XXXX XXXX XXXX, and has effectively destroyed my chances of getting a mortgage, as they have also incorrectly listed these accounts on all three credit reports instead of a collection account. Additionally, they have listed this item as a Factoring Lender, when per FCRA collection companies are not. I am requesting your office look into these allegations and help me procure a deletion from all three credit reporting agencies until this company can successfully validate my debt as they are mandated by law to do. I am considering legal action against LVNV, however, I felt compelled to urge your office to help me in my crusade to remove LVNV Funding and reestablish my name and credit. I am not sure if this debt is mine or not, however, their inability to provide correct addresses, and their intentional act of misleading their reporting should be enough to sue them, and should be enough for your office to force their compliance in this issue. I hope you can help me out in this matter, as I am going through the mortgage closing process and this one account has completely derailed my home purchase. Thank you very much for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account Number with XXXX XXXX XXXX / Capio # XXXX XXXX XXXX XXXX/ Capio XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX This company States they purchased a Collection from XXXX XXXX XXXX in XX/XX/2019. With out proper review by XXXX XXXX XXXX or XXXX  they allowed this illegal collection agency to put a collection on my credit report. witch has damaged my credit, my credit score and my credit line. due to this illegal action that was taken by 1 XXXX XXXX XXXX for selling a paid illegal incorrect fraudulent bill. and illegally providing my social security number without my consent. 

2 XXXX XXXX XXXX / Capio for damaging my credit by not 1st review an original bill from XXXX XXXX XXXX. 

3. XXXX  4 XXXX  5 XXXX All for allowing this illegal collection to be put on my report. 
I have requested multiple times over the phone for XXXX XXXX XXXX  / Capio to provide me with an original bill. they send me a bill from there office.

Although this illegal and damaging collection has been removed from all three credit reporting agencies. My master card credit card had a credit line of {$8000.00} for the past 3 or 4 years. in XXXX i made a large payment of {$2600.00} and my available line did not change because there was no illegal Collection reporting on my account at the time. 
The damage has been done. I am a single low income mother, the {$5900.00} dollars I paid towards my master card Credit card bill was in good faith as with all my credit cards I hope to be debt free one day. I have never paid late on any credit card or any account with in my credit report. my credit is everything to me as i have hopes to buy a home one day. I needed the extra money to buy my daughters school uniforms and supplies. I also was going to celebrate her XXXX birthday with the money i paid towards the credit card and was unable to do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email from LVNV saying they purchased a debt from XXXX XXXX for {$1700.00}. I have no idea if this is a real company. I dont have this high of a credit limit on my card and my current balance is only {$17.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Barclaycard credit cards stopped sending me credit card statements for years. They sent my statements to a wrong email address that was not mine, thus violating my privacy. As a result of changing terms and conditions, I was not aware of my interest rate or the expiration of my promotional rate, and was charged almost 25 % interest for over a year without my knowledge. When asked for rectification, Barclaycard did not help me nor show any desire to help me. They have violated my right to view a monthly statement and to review any changes to my agreement with the company. If I had known of the specific amount of interest I was paying, the amount on the card, or any of the other information I'm entitled to each month, I would have paid off more or transferred the balance. Instead, this has created a financial hardship to the tune of {$1500.00} in interest that I would have saved had I received even one statement. I suspect either fraud or negligence on the part of the company, neither of which should be my responsibility.

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 2022-10-25
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:
Their are two fraudulent inquiry 's in my credit report with Equifax from XXXX XXXX and XXXX. These inquiry i did not request or approve. Police report and dispute was file and no action has been taken to remove from credit report. Please assist with the removal of these two inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Somebody deposited a check made out to my company name into their account. I use Capital One and the check was deposited to a different Capital One account. I have the copy, front and back of the deposited check, which shows signature and account number of the person account where it was deposited. The bank that the check was made from is XXXX XXXX. They tell me Capital One is responsible for verifying check before depositing. This happened back in XX/XX/2018, I found out XX/XX/2018 and brought it to Capital One 's attention via email with copy/proof of the deposited check by email. I have asked for updates by phone and by email, and have not received so much as a case number or confirmation number to follow up on. I do have all the emails showing I've tried, and their general response, that it has been escalated, but more than 6 months later, is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been hooked into a mortgage scam. Wells Fargo Home Mortgage holds our mortgage. We have had a financial setback that has us working with their specialists. During this process they have allowed ALL of our personal financial information to be released to a scammer. We were contacted by a " XXXX XXXX  '' calling on a Wells Fargo number ( XXXX ) who told us that they were with underwriting and that we had been accepted for modification however we needed to immediately replenish our escrow account with a very specific {$1300.00}. They wanted it sent either by XXXX XXXX or XXXX immediately to a " XXXX XXXX XXXX '' supposedly a Wells Fargo attorney in XXXX. I also had to call back XXXX at XXXX. Some red flags were going up so I grilled him -- he had ALL of our personal information -- my wife 's full name, our social security numbers, loan amounts, addresses, etc. When I questioned why I was calling XXXX to send money to XXXX, he asked if I wanted him to call back on the Wells Fargo XXXX  number -- I said yes and he did.

Wells Fargo has negligently allowed all of our personal data to be acquired by these scammers. None of what they were saying was true.

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 2018-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been disputing this account for over a year. I have requested validation of this said debt & have gotten no where with this. I just recently filed a dispute XXXX & it came back XXXX verified again, without providing me with any documents to support to the validation. They also changed my status from charge off to 120 days from XXXX. This is effecting me a lot & I don't see how this could be legal. This should be removed from my credit files immediately. The amount reporting is {$470.00} Company information : XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 2021-07-16
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:
On XX/XX/XXXX I got a notification that collection accounts showed up on my report. I filed a complaint and let them know the account doesn't belong to me. They close the dispute in less than a week and said it's accurate. I filed a second dispute at the same time and also reach out to the collection agency and told them it does not belong to me. The agency told me to send emails and contact TransUnion. I took it upon myself and went further to call the hospital they reported finding out what's going on and let them know these are not my accounts. the hospital apologize and told the agency to close the account. On XX/XX/XXXX I got a letter from the collection agency stating the accounts are closed and they will notify TransUnion to remove but when I spoke to Transunion multiple times after that and today the last time I called and spoke to a XXXX  at TransUnion is today to find out whats going on and why they are still listed on XX/XX/XXXX. Transunion told me that they have no communication from the agency about removing collections from my account. Transunion closes the second dispute in XXXX stating the collection agency reported the accounts belonged to me and I needed to submit another dispute. At this point, if TransUnion agents are saying there's no communication from the collection agency then the collection agency is lying and putting me through a lot of stress I don't need.

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 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMSSED 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 2020-09-23
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
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:
All three of my loans were reported as 30 days past due even though two of them are in school deferment and one of them I made two payments on prior to the due date. One payment was made over the  phone with a customer service agent and the other was made online according the latest invoice. Ive had issues before and the company was willing to assist by agreeing to remove the late payment from my report. However they were never removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Applied for a new account on XX/XX/18. I received an e-mail stating that the bank would not be able to open the account and was advised to call in. I called and was given an OFAC disclosure and told to wait 2-3 business days so that the bank could review to determine whether it was a false positive. 

I received an e-mail this morning ( XX/XX/18 ) again stating that my request for a new account could not be fulfilled and similarly advised to call in. I called and again was given the OFAC disclosure. When I told the representative that I had previously called and had already waited the 2-3 business days, he confirmed with his floor supervisor that the account couldn't be opened. I requested to speak to a supervisor and did so. I informed the supervisor that I am not on the OFAC list, but was informed that there was nothing that she could do since the application was tagged as a possible OFAC. I asked what the escalation process was and she informed me that there was none since I don't yet have an open account. 

The CFPB may be interested in researching the inability of this firm to escalate complaints and/or issues associated with the account opening process, particularly for denied applicants. 

Application ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
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: Public record information inaccurate

Complaint:
To whom it may concern : I had file Chapter XXXX  Bankruptcy back in XX/XX/2008 due to my XXXX XXXX business venture. For the last 10 years I had lost so much opportunity grow any business due to this obsoleted information. Please help me to remove this public record out since it had passed 7 years limitation.

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Capital Accounts, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original medical provider completely mislead me into thinking that my insurance will cover ALL of the costs associated with treatment. I was very specific with him and he was very insistent that all costs will be covered by insurance. Well, as it turns out, this was NOT the case. Not even close. The part that really gets me is that my insurance does provide me access to acupuncturists that it will cover ALL of the costs. 

What was the point of me going to someone for treatment that will require me to pay out of pocket when I have an option for the same service at XXXX out of pocket cost? 
This was unexpected to say the least. After all of that, I still paid out of pocket in the amount of {$500.00} but that is all that I am willing to pay. Even that is too much. This is a very direct instance of the medical provider deliberately misleading me so they can get the business. 
I object to this debt and I dispute the validity of this debt. This is a complete sham and the original medical provider should be ashamed of himself. He looked me straight in the eyes and told me that insurance will cover everything, you wont have out of pocket costs. THAT is the only reason why I agreed to the treatments. Well after a few treatments and after they bill the insurance, they start trying to bill me. 
I want this account to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I CONTACTED THIS COMPANY BY PHONE AND LET THEM KNOW THIS WAS NOT MY ACCOUNT. I ALSO SENT THEM A CERTIFIED LETTER ASKING THEM TO VALIDATE THIS DEBT WITH PROOF LIKE A SIGNATURE FROM ME TO PROVE I AM INDEED RESPONSIBLE FOR THIS DEBT. THEY ONLY SENT BACK A BILL. NOTHING THAT VALIDATED WITH MY SIGNATURE OR ANYTHING TO PROVE IT WAS ME WHO OPENED THAT ACCOUNT. I ASKED THEM TO STOP REPORTING BUT THEY STILL ARE.

Company response to consumer: Closed with explanation