BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-11
Company: Experian Information Solutions 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:
About four weeks ago, I received a call from someone demanding payment of a debt of {$1000.00}. I happen to monitor my finances extremely closely, never fall behind on debt, and have had a credit score over 800 for quite some time.

Never before this call, and never since, have I received any communication whatsoever regarding this debt ( despite the caller having both my mailing address, phone number, and SSN ). The best he could muster was that it was from California ( I've lived in Texas for 10+ years ), and that it was many years old ... possibly from a XXXX or vendor within XXXX ( neither of which have I ever had debt with ). I was certain this was a scam, but continued to question the caller ( I never hung up or cursed ) trying to get information. I insisted that I needed some sort of evidence of a debt, and I needed it in writing. He refused, and eventually hung up himself ( they claim this call was recorded ).

I pretty much blew it off as a scam until all of a sudden my XXXX   alerts me to a 'Collection ' on my credit score. The amount matches that from the call. The report says that this comes from 'XXXX XXXX XXXX '. I have inquired with XXXX XXXX XXXX and have not received a response. Without a doubt ... this is not my debt. I have no idea where this came from, but XXXX XXXX XXXX is refusing to communicate with me at all, and has never provided a single bit of evidence regarding this debt.

I can not have my excellent credit pulled out from under me without any justification and I am hoping to get this cleared up ASAP.

According to XXXX   ...

Date Reported : XX/XX/XXXX & XX/XX/XXXX ( I received two notifications from XXXX ) Collection Agency : XXXX XXXX XXXX Moved to Collection : XX/XX/XXXX& XX/XX/XXXX Balance Amount : {$1000.00} Status : Collection Account Number : XXXX XXXX ( shows the same for both notifications ) Any help will be greatly appreciated.

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 2019-03-17
Company: EQUIFAX, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
I went to the website to get my entitled free annual report but it was blocked for whatever reason and I was told to " mail in '' my identity and SSN number! Who on earth would be XXXX enough to mail in such private information? What an archaic system! I had no other problems confirming my identity and getting my reports from XXXX and XXXX. Equifax has a system history of problems and information discrimination, I XXXX XXXX HERE DEMAND my entitled free credit report and the data you are collecting about me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04
Company: VIRTUOSO SOURCING GROUP, LLC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Have these places, things, and address that I've never lived, credited, or worked. Phone numbers I never had Things never Applied for : XXXX XXXX/ XXXX XXXX/XXXX XXXX XXXX XXXX Virtuoso Sourcing Group Tribute Address never lived : XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX , XXXX  MN XXXX XXXX XXXX , XXXX  MN XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX , XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX , GA XXXX Telephone number never Had : XXXX XXXX XXXX XXXX Last name changed to XXXX ( maiden ) 2011 So would like to file a Dispute Please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for forbearance In XX/XX/XXXX and was approved. I requested an extension in XX/XX/XXXX so my forbearance ended XX/XX/XXXX. The mortgage company reported 120 day late on my credit report in XX/XX/XXXX which caused my credit score to drop almost XXXX points. I filed a complaint and they fixed it, only for it to be reported back on my credit report 1 week later with another 120 day late. I now have to contact all the credit bureaus once again to try and get this resolved when I just had to do this 2 weeks ago. 

I was also awarded $ XXXX to pay back the past due balance from New York XXXX XXXX XXXX XXXXXXXX. They have been waiting since XX/XX/XXXX to hear from Cardinal Finance on how they would like the funds and Cardinal Financial has not responded with that information. They are doing nothing to resolve this issue and they keep reporting me to the credit bureau although I was in forbearance. I am getting extremely frustrated with this mortgage company as they are causing me extreme stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I deposited a {$1500.00} check from my XXXX Card account on XX/XX/2019 into my Capital One bank 360 account. Capital One showed a credit on my account of {$1500.00} as check cleared. On the same day I transferred the {$1500.00} into another checking account with Capital One Bank. Several days later I received a letter dated XX/XX/XXXX from Capital One saying that the check was returned insufficient funds. 
Similarly XXXX sent me a letter saying that I was over my credit limit. I called Capital One and they returned my call on XX/XX/XXXX saying that my account was terminated because of Fraud. To my disbelief after 15 years of relationship. The bank accused me of Fraud. When I wrote the check from my XXXX account. Because the checking 360 account was closed, I couldnt return the {$1500.00} from the other Capital One account as an internal transfer. The fact of the accusations and the wrongdoing of Capital One investigators conclusion, and failing to advise me of the effective date of closure, is causing financial hardship in several automated debit payments, and mortgages that are accumulating return fees, late fees, and potentially damaging my credit score.

Furthermore, Im employed as XXXX XXXX XXXX on a Financial institution and this information can damage my professional career.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am on an automatic payment plan with my lender, Discover Student Loans. When I tried to use the same payment account that I use every month for the automatic payment to pay an additional {$2000.00} towards my principal the lender was unable to process the payment and reversed the payment without notification. I have also previously used this account to pay one-time payments without issue. Discover Financial ( the lender ) claimed that my bank was unable to locate my account. Upon confronting my bank, XXXX XXXX, they confirmed that Discover Student Loans did not event try to process the payment. 

This is one, in a long list, of times that Discover Student Loans tried to avoid additional payments towards my principal so as to protect the expected interest payments on the loan. To date I have still been unable to pay the additional {$2000.00} I would like to pay towards my principal. I want Discover Student Loans to accept additional payments as is there contractual obligation under the loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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 have sent letters to Experian and XXXX  on XX/XX/21 and have yet to receive a response.

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 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 AM SICK OF TRANS UNION, THIS COMPANY ALLOWED XXXX REPORT THE SAME ACCOUNT TWICE RUINING MY CREDIT PROFILE, THEY ALSO REFUSE TO INVESTIGATE XXXX XXXX WHICH IS REPORTING ON MY CREDIT PROFILE WHO I DON'T OWE A DEBT TO.I ASKED THEM EXPLAINED TO THEM THE ACCOUNT WASN'T MINE AND THEY SENT BACK VERIFIED I ASKED THE METHOD OF VERIFICATION BECAUSE ITS IMPOSSIBLE FOR THEM TO VERIFY I ACCOUNT I NEVER HAD THEY IGNORED ME, ITS BEEN OVER 30 DAYS I SENT THE LETTER VIA CERTIFIED MAIL SO I KNOW TRANS UNION RECEIVED THE LETTER .SOMETHING REALLY NEEDS TO BE DONE ABOUT THIS, HOW CAN THEY LET THE SAME ACCOUNT THAT IS NOT MINE REPORT TWICE THE SAME ACCOUNT NUMBER, SAME ACCOUNT DATE AND EVERYTHING & NOT EVEN CARE TO FIX IT.I WILL CONTACT THE NEWS STATION, MY STATE ATTORNEY GENERAL & EVERYONE I CAN BECAUSE THESE BUREAUS ARE BEING PAID BY COMPANIES TO REPORT & THE BUREAUS THEY DON'T CARE IF THE COMPANY IS REPORTING ACCURATE INFORMATION ALL THEY CARE ABOUT IS THE MONEY THEY ARE MAKING ..THEY DON'T CARE IF THE ITEMS IS TRUE AND ACCURATE SOMETHING HAS TO BE DONE ABOUT THIS THE CREDIT BUREAUS NEED TO STOP THIS IS AGAINST THE LAW, XXXX & XXXX  WOULDN'T INVESTIGATE THE ACCOUNT WITH XXXX XXXX I DONT OWE THAT DEBT, NONE OF THE COMPANIES WILL INVESTIGATE THIS ACCOUNT WITH XXXX XXXX I REPEAT I NEVER HAD A CONTRACT WITH THEM & I NEVER HAD AN ACCOUNT WITH THE ORIGINAL CREDITOR

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 2020-06-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ACCOUNTS THAT WAS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. BECAUSE OF THESE NEGATIVE ACCOUNTS IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE NEGATIVE ACCOUNTS AND HAVE THEM REMOVED OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Problem with personal statement of dispute

Complaint:
I disputed a inaccurate bankruptcy on my credit report that isn't mine with the credit bureaus. It was removed XX/XX/XXXX, then reinserted without notice which is required by the FCRA and notice has to be given by the credit bureaus in writing 5 business days after reinsert. I received nothing from this company. This is a clear violation of the FDCPA legally. I have a right to a fair & accurate credit report. I have also contacted the bankruptcy courts by mail & email & provided copies to this company. I have also been told they don't verify with credit bureaus so they can't provide me any information. I am demanding this deleted immediately for this is ruining my credit & doesn't 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 2018-06-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive tried to dispute multiple accounts with no help from bureau. I have received no information or proof of debt.

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 2018-06-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive tried to dispute multiple accounts with no help from bureau. I have received no information or proof of debt.

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 2018-06-07
Company: Overland Bond & Investment Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My mother financed a car with XXXX XXXX in XXXX in XXXX. The finance company is Overland Bond. My mother has paid her car note every month on time. Now, in XX/XX/XXXX a young girl hit her car which caused a car accident. In the police report, it stated my mother is not at fauly but the young girl was. The young girl`s car insurance refused to fix my mom`s car and put it down as a total loss which is wasn`t. Now my mom doesn`t have a car now. Overland Bond contacted me yesterday XX/XX/XXXX threatening to garnish my wages, put this balance on my credit because I am the co-signer for my mom`s car. I was not refusing to pay but the way the supervisor called and threatened me not knowing the insurance was supposed to cover the loss. They are stating my mom owes {$10000.00} which is incorrect. On me and my mom`s XXXX credit report, it shows my mom owes a balance of {$12000.00}. The insurance company agreed to pay {$6300.00} to Overland & Bond which actually leaves her a balance of {$6600.00}. Now, Overland Bond is stating the vehicle in total is {$16000.00} which is impossible because that is not a document of paperwork me or my mother signed. They won`t work out a payment plan with us. They are just now calling me yesterday XX/XX/XXXX stating the account is 25 days past due. How is that possible and I asked Overland Bond in regards to why are you guys contacting me 25 days later stating the account is past due! This is wrong and illegal and I want to file an action of suit against this horrible finance company and whatever arrangement we can make to not affect me and my mom`s credit would be great.

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 2022-08-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. Nissan Motor Corporation has violated my rights. Regarding alleged account # XXXX, 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable for confidentiality, accuracy, relevancy, and proper utilization of such information. 15 U.S.C. 1681c2 : A Block and remove in 4 days The account was held in the name of XXXX XXXX. I have undergone a name change back to my proper Sur-name : XXXX, XXXX name : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Rushmore responded to the prior CFPB Case Number XXXX incorrectly. We have a Forebearance which goes through XX/XX/2019, per the letter and agreement which was sent to them several times by XXXX XXXX XXXXXXXX which transferred the loan to Rushmore. They have ruthless tactics and do not respond appropriately. 

Also, I have attempted to call the assigned contact - XXXX XXXX - at least 3 times and have received no follow-up or contact regarding potential questions I have regarding our current Forebearance which goes through XX/XX/2019 nor did she respond to my voicemails. This is unacceptable customer service and needs to be escalated beyond their Customer Service Department without any retailiation toward the client for raising our concerns on the overt disregard for U.S. Veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Penn Credit Corporation
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
the company PENN CREDIT has called my home on several occasions and it is a recorded message referring to a XXXX XXXX - I sent a fax to XXXX and told this company that she does not, never has and do n't know where she is - to CEASE AND Desist the calling. 

Received on this date XXXX/XXXX/XXXX at XXXX a.m another call from this company - after I sent the Fax to CEASE AND DESIST calling. I just now sent this company another fax to tell them to CEASE and DESIST calling my home. 

The XXXX fax number is to the main headquarters. the address is Penn Credit Corporation XXXX : XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I submitted a complaint about XXXX XXXX on XX/XX/2018 to CFPB, ( case # XXXX ). A part of the complaint was that they were contacting my mother who is not an authorized user on the account. They shared confidential information with her. I was informed that the bank reached out to her yet again on XX/XX/2018. The call was from phone number XXXX. They have not justification for reaching out to her, as she is not on the account, and they have all of the information already. The number they continue to call her at is XXXX. 
At this point, this is harassment, and we are currently seeking legal counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
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 mailed an investigation request to XXXX, Experian, and XXXX XXXX on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.

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 2020-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A letter was mailed to Capital One in XX/XX/XXXX asking that they verify that they took the proper procedures in regards to contacting my about the sale or disposition of my car prior to reporting it to the credit bureau. No information was obtain and received from Capital One. Another letter was sent as a follow up, on XX/XX/XXXX asking them again to provide proper documentation. Along with another letter on XX/XX/XXXX. As of today XX/XX/XXXX, I have not received a reply from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Opened a home Depot credit card to purchase items for home repairs. In talking to a rep, I asked if the promotion was available to me and they confirmed it would apply. It was supposed to be {$100.00} applied to first purchase. It was never disclosed that there was a minimum purchase. I made my purchase and got my bill. There was no credit applied. When I called, the reps said they would only give me {$25.00}. All I want is for the promotion that was told 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 2017-12-09
Company: Riverwalk Financial Corporation
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, XXXX XXXX XXXX XXXX Added a collection account to my credit report for an amount of {$14000.00}. I am not responsible for this collection and I do not owe that amount. I was never contacted about this collection ever. Also XXXX XXXX XXXX is not licensed to collect any debts in the state of Louisiana in which this is a FDCPA violation, and the next steps I will take if this account is n't deleted immediately is to file a complaint with my state 's Attorney General and next a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation