BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-28
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not my debt I have visited the physical business office to resolve. The hospital keeps removing and placing back on my credit report to restart the reporting date to prolong collections. This is not my debt due to the fault of their 3rd party patient billing company they are charging me for a debt that is not mine. I tried to resolve with both companies with no avail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
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: Was not notified of investigation status or results

Complaint:
All three of the CRAs TransUnion, XXXX, and XXXX are in violation of USC 15 1681 ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' and 15 USC 1681b ( a ) ( 2 ) " No permissible purpose/No written instruction. On XX/XX/2022 I sent a letter to all three CRAs requesting to remove a bankruptcy reporting on my consumer reports. They all ignored my request and still continue to violate the laws by reporting this bankruptcy on my consumer reports still. I am notifying them this one last time before bring this to the court system. These companies irresponsible actions is causing damages to my character and I plan to seek maximum allowed remedy allow by the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25
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:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
The loan was a HELOC with XXXX XXXX made on the XX/XX/XXXX for max. credit Limit of {$20000.00}. Payment had been made to XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. When the loan was transfer to XXXX XXXX XXXX. Which I continuing to pay. I have ask / requested a full payment history and a transaction history from XXXX XXXX but this company refuse to mail me a copy for my account. I have request the same information from XXXX ( XXXX XXXX ) but they said they can only provide history from XXXX to now. I am waiting on that information now. 
XXXX refuse to provide any information for my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 and Impermissible Credit Inquiries ( please see attachments )

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 2021-04-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 hurricane Laura hit our home and damaged quite a bit of the outside. Our insurance company took care of us, but our mortgage company Penny Mac has continuously withheld money our money from the insurance company for over 8 months. We have repeatedly called and sent them every document they asked so they would release our funds we've already spent out of pocket to repair our house. Of the ~ {$8000.00} depreciation check sent to us by the insurance company, Penny Mac refused to release the total amount of what insurance sent us and what they agreed to release, ~ {$2600.00}, has been repeatedly denied due to constantly changing paperwork requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 originally applied for a new Capital One card ( this would be the 4th card I have with them ) in XXXX 2017.  Once I received the card I did n't setup the account right away ... I did however make a purchase using that card later on after which I attempted to login to the website and pay the amount off. 

When I tried to login to the capital one " buypower card '' website it was different than my normal capitalone.com account. I tried to setup my card and it came back with an error. Frustrated and unable to call them right then ; I waited until I got another chance to make my payment attempt. This happened several times until I finally called Capital One. 

The girl on the phone explained that they were having website issues and that she can process my payment over the phone. I had asked her if the account went into collections and she said they had begun the processes but since I was making the payment now ; it would automatically reverse itself after 30 days. It has now been 90 days and this item is still on my credit. 

I attempted to call Capital One today and I was finally able to link my credit card account into my correct Capital One account. The balance was still XXXX ; but I told the person on the phone about what had happened and they said they do n't have any power to remove this item from my credit. I also spoke to a manager which basically verified that they ca n't remove it once it has been reported. 

He offered to remove the fee 's associated with the late transaction and I told him that was n't what I cared about. I cared more about my credit. That is why I am writing you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had a checking account open with US Bank. I came inside for service. I had someone ask me if there was a way that I could help cash a check that was paid to him a concert he had participated in. The check was over XXXX dollars. When I say the amount I didnt believe it. I asked the teller inside if she knew if the check was fraudulent right away because I didnt believe the person who signed the check over to me exactly. At the time she looked at the check and said that she wouldnt know if it was fraud or real for a few days. I was very much on the side of things being fraudulent and I expressed to her that I didnt want to be a part of it if it was fraudulent. I expressed with deep regret that I believed it to be a bad check. She then asked me if I wanted XXXX dollars upfront that day. It was the most exhausting time. I felt obligated for some reason by two parties, and I didnt feel that US BANK cared about my account as a XXXX. I barely had income during that time. Her and I went back and forth about if I should take the XXXX dollars and wait for the check to clear. It was very discouraging. In the end I took the XXXX dollars and walked over to the ATM the US Bank Drive through where the man I knew was parked. I handed him all the money, XXXX dollars. I came back into the same location after a few letters in the mail about my account being closed and negative. I was very upset about the outcome and asked for the manager who was a woman. I was told that there was nothing the bank could do for me that my best option was to pay the negative balance and fee. I asked if we could call the police and the manager replied no the bank can not call the police or do anything for me and she asked me to leave the bank. I also was told that I used the ATM the day of the incident instead of coming inside the bank. That was not true. I left in tears that 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 2022-03-06
Company: Experian Information Solutions Inc.
State: MN
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:
All hard inquiries on my credit profile are fraud and I dont recognize. Please dispute all hard inquiries to validate permissible purpose.

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 2017-11-08
Company: Experian Information Solutions Inc.
State: CA
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 refinanced my house last year XX/XX/XXXX. I had several accounts in collections. 
Every account was paid in full. The reporting agencies, will not correct mistakes, and the particular company that is listed 3 times on my credit report, with the same account number, WHOM Had initially sent updated information to the credit bureaus on XX/XX/XXXX, and again on XX/XX/XXXX. Experian told me that they did not receive any letters from them, but they have the information that I had previously disputed this.. 
I have been struggling for several years to get this cleaned up. My credit score in close to the same after paying all my debts. ( I had more than 10 accounts in collections. ) I have paid all my accounts on time for over 3 years, refinanced my house, bought a car. Corrections are very difficult to resolve. Specifically the account on my credit reports is Account number XXXX. From XXXX/XXXX XXXX, XXXX XXXX and XXXX XXXX. ( ALL SAME ACCOUNT ) On my credit report, it has this ONE account listed 2 times on closed accounts, AND ONE account listed says BAD DEBT/ CHARGE OFF. ANOTHER same account listed right below says PAID. then, they have this same account in collections. Please help me resolve this.

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 2022-03-06
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: Their investigation did not fix an error on your report

Complaint:
Transunion is repeatedly in violation of my FCRA Rights. For years I've submitted proof that XXXX reporting of my credit data was incorrect. After I advise I would make a formal complaint XXXX falsified a letter they stated they sent me to a wrong address to prove compliance with Texas repossession laws. It was falsified and produced 4 years after I started complaining. XXXX sent documents that my balance was approximately {$8000.00} then it went to {$21000.00} after I started writing letters, then it was went to XXXX then {$13000.00}. Then {$16000.00} approximately. How is it a vehicle that was paid on for over 1 year with a down payment, that was sold at auction, received full federal tax write off still reports still owes over 70 %. XXXX is a predatory lender and should be investigated as such

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 2022-03-06
Company: Consumer Adjustment Company Incorporated
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is from Consumer Adj Co original creditor shows white water for {$110.00}. Ive sent multiple letters over the past few months for debt validation and no response. Ive reached out to all three credit bureaus to validate and no response from the credit bureaus either. This debt is tremendously affecting my credit and I would like it removed. I have no knowledge of this debt and would not like this to continue to report to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX, XXXX, the home equity loan held by USAA was paid off by the title company when we closed on the sale of the house. I obtained from the title company proof that USAA received the payoff on XXXX XXXX, XXXX. I checked my credit report in XXXX, XXXX and again XXXX and found each time that USAA did not report that the account was paid in full but erronously reported it as a collections/charge off with an unpaid balance. I phoned XXXX XXXX at USAA XXXX offices in XXXX and XXXX, leaving a detailed message each time. I never received a response. On XXXX XXXX, XXXX, I faxed a letter to USAA demanding that it immediately and correctly report that the loan is paid in full and remove the false and derogatory information from my credit report. I faxed a copy of the letter to CFPB as well.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.

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 2018-01-22
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Public Records - XXXX County Tax Lien sent letter to LexisNexis, XXXX, XXXX and XXXX XX/XX/XXXX requesting the Tax Lien be deleted as the item was Paid Off in XX/XX/XXXX and it was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I was approved for a second modification to my mortgage by OCWEN. The reason for this modification was 100 % to fix an error that OCWEN had made when they did n't pay the property taxes on both lots that the property sits on. Because of OCWEN 's error, approximately $ XXXX had to be paid out of the escrow account to cover the back taxes, which then subsequently needed to be refunded. To come up with this sum, the mortgage needed to be restructured. 

I had until XX/XX/XXXX to execute the mortgage modification and return it to OCWEN. As the date approached, I had additional questions that I needed answered before I could decide. Thus, before the deadline at XXXX on XX/XX/XXXX, I sent XXXX XXXX , my contact within the Consumer Ombudsman 's Office, an email requesting further information on a number of topics. I followed up with a call, but when I did not promptly hear back from XXXX, I also called a Customer Relationship Manager as well to report to them that I was seeking additional clarification from the Consumer Ombudsman 's Office and that I wanted this noted on my account due to the impending deadline. 

My understanding was that XXXX would grant me a short extension and I would get my critical questions answered. That 's not what happened however. Instead yesterday XX/XX/XXXX I received a XX/XX/XXXX letter from OCWEN Loan Servicing declaring that I had not responded to the offer and thus it was no longer available to me. So I am protesting this and requesting that the offer be reinstated, an extension granted, and my questions answered in a timely fashion. Further, when I wrote back to XXXX directly about the situation, I received an automated response that he will be out of the office for another full week, meaning that he will not be available during that time to fix this situation for me on his own. It is for this reason that I am filing this CFPB complaint. 

It appeared OCWEN had gotten their signals crossed yet again, so I wrote again to 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 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've been a victim of identity theft. My information was expose in both the XXXX  breach in XX/XX/XXXXand when South Carolina taxpayers were exposed after a server at the state 's Department of Revenue was breached in XX/XX/XXXX. I've noticed several accounts listed on my credit report that I was not aware of nor did I open or benefit from. Each time I've called I was told to send letters, which I did, but I'd call back and every rep could not locate my submissions properly since neither call center was located in the United States. 

PLEASE ACCEPT THIS COMING FROM ME, MYSELF, I WILL ALSO MAIL IN COPIES WITH MY SIGNATURE VIA CERTIFIED MAIL.

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 2022-03-06
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
Midland credit management is reporting a collection balance of {$630.00}. I should not of the account anything but I paid the {$630.00} because I need it off of my credit report. I paid it on XX/XX/2022 and it is still not showing paid and they are still reporting to the credit bureau that I owe the money. On XX/XX/2022 they reported to the credit bureaus that I still had a {$630.00} delinquent balance which is a lie. Ive contacted them several times and they have agreed with me and the fact that I have paid the balance and that they say it will be on my credit soon but why are they still reporting it and open balance? It is very malicious in intent and adversely affecting me thanks for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
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: Information belongs to someone else

Complaint:
A couple years ago while at a theme park I lost my backpack with all of my information inside. I had {$600.00} inside of my wallet, social security card, debit card and some other personal belongings. The accounts that I'm disputing does not belong to me and I would like them deleted as soon as possible

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 2017-11-08
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is the original creditor for my auto loan. I had a life event and unfortunately could n't pay. They have since sold the debt to XXXX XXXX XXXX and now they BOTH are reporting the same debt and attempting to collect on the debt. 
By law XXXX creditors can not collect on the same debt at the same time. -- -Also the debt is past the statute of limitations!! When I call either of them, nobody knows what they are doing and they do n't try to help. I have contacted my attorney as well as filed a complaint with the attorney general. They need to fix this. The next correspondence will be from my attorney ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received a letter from American express after I filed the initial complaint # XXXX. In the letter, they acknowledged the issue and promised to resolve on or before XXXX XXXX, XXXX. However, XXXX months have passed and nothing has been done to resolve this issue.

Company response to consumer: Closed with explanation