BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: SYNCHRONY FINANCIAL
State: TX
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:
In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for 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 2020-11-02
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of last year, I received a letter from Credit Collection Services stating that I owed a debt to XXXX XXXX, which is a utility company in Illinois. I called up the collection agency and explained that I have lived in Colorado since 1994 and that this debt must be for an account that my deceased father had. The women with whom I spoke asked me to confirm the phone number which was XXXX, which is not my phone number, but my father 's, XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX. At that point, the lady said they would send the debt back to XXXX as it is for a person who is no longer living. 

However, today, I received another bill by the same company for the same debt. I want some assurance this debt will not hit my credit report, as it is not mine, but my father 's, who is no longer living. I want a record of CCS stating they will not report this debt on my credit, as it is associated with my father. Please note the address they are sending this debt to is a Colorado address, however XXXX XXXX is a XXXX XXXX XXXX. They need to do a better job of verifying who's account this is.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: GA
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
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

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 2023-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
Date : XX/XX/2023 Hard inquiry placed my Capital One, where I did not apply for any credit from the Company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the 3rd time I've had to file a complaint on this business and I will not stop until this injustice is corrected. 

This company is willfully and blatantly non-complaint with their debt collection practices.

1. I never received a notification within 30 days of this reporting on my credit report.

2. When I requested validation of debt, they sent me paperwork with someone else 's name on it.

3. When I dispute with the credit bureaus, genesis " verifies '' that they are reporting the information correctly, but it's blatantly inaccurate.

4. The collection failed to prove that they own the claimed debt.

5. When they found out that they are ignoring federal law and the name on the paperwork doesn't match my name, they sent me a handwritten.

6. The company is illegally charging interest. It's not legal for a company to charge interest unless it's specifically written in the initial contract. 

I know the CFPB is searching for some Class Action Lawsuits and I think this would be a great company to investigate. If I've had these problems resolving something that is blatantly misleading, inaccurate and unverifiable - just imagine how many consumers are being violated by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the past year or more I have been attempting to get my mortgage company to change their website system to make it easier to understand and use. No results! Among other issues : unlike my credit card websites that do not process a payment without first showing the amount and source from which the funds will be taken- which allows you to change banks among the drop down list- Quicken loans/Rocket Mortgage has a preset bank and DOES NOT allow you to confirm before hitting the submit button. And their website doesn't explain what " escrow balance '' implies and I had to ask someone to explain what it indicates. Plus a chat agent told me she was unable to see my loan information - meaning she was of no help and their phone system is so complicated with 15 different options that only add to the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
To whom it may concern : I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 
Account name : XXXX XXXX  Account number : XXXX  You're reporting a late payment in XX/XX/2021 yet XXXX is reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.

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 2023-07-06
Company: Experian Information Solutions 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 am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with Experian that is hindering my file. this has been hindering my file for a while an needs to be resolved asap. checking my file alot of information needs to be deleted. please review an remove all information filed to process all disputes asap.

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 2019-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
I have two accounts with Capital one XXXX The other account is XXXX These accounts are old and I would like to have them removed. I would like them removed from my credit reports ( all reporting bureaus ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: HUNTINGTON NATIONAL BANK, THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We ( XXXX and XXXX XXXX ) have 4 mortgages that TCF bank serviced for 4 different rental properties we own. Huntington Bank recently acquired TCF and took over between XXXX XXXX. We have billpay and sent all 4 payments on XX/XX/2021 to TCF as the Mortgage statement still indicated that TCF still owned the mortgage for the XXXX statement. 1 of the 4 payments was received but the other 3 were cashed by the bank and never applied to my statements. I have called and email, I sent over the cancelled check and a screen shot of my bank statement showing that my account was debited. I have been repeatedly told that they can not track down these payments and I need to go to my bank to get more information. 

I did exactly as I was told on my statements and sent money, money that was cashed. And somehow now we are getting tasked with providing ton of additional work. This bank 's mortgage department has taken no accountability and instead of saying, " we're sorry, we will look into and correct this '' All we are getting is more things we need to do to figure out how THEY LOST OUR MONEY! 

Banking and mortgages are about trust, this industry lets our mortgage get bought and sold to anyone without our consent, the companies that are allowed to purchase these mortgages must conduct themselves with integrity and respect. This bar has not been met with Huntington National Bank. 

Loan account numbers that are affected : XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Loan Payment that was received : XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Continental Finance Company, LLC
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: Problem with customer service

Complaint:
I have contacted XXXX XXXX XXXX protection on more than 3 occasions to see if I'm enrolled in credit protection. The first time they only had one person working in the department XXXX she said the system is down. the 3nd time no onr answered.. and today someone answered and didn't say nothing. this is unacceptable and needs to ne resolved ASAP.

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 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have contact XXXX XXXX and bank several times as well as the creditors and ask them to report my payments for the mortgage. The mortgage company is saying they are reporting it and the credit company is saying they dont have it. I have try to resolved this for several months. It effect my scores and limit me the best rates for refi.

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 2019-03-20
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Diversified Consultants placed a collection on my credit report that is in VIOLATION of the Fair Credit Reporting Act And Fair Debt Collection Practices Act. 2. I have NO signed contracts with Diversified Consultants or their client, XXXX, I don't have anything belonging to XXXX and the collection agency they hired!. Therefore this is a FRAUDULENT collection and should be DELETED from my credit report ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2020-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX transfer of XXXX dls to number XXXX, name XXXX XXXX, he was an impostor saying that he worked for XXXX, because I dialed the supposedly eBay number to talk to a representative and because I just got authorized for a new XXXX credit card he said he needed me to send money to link my bank account to XXXX, the number I dialed was XXXX, the last name of employee was XXXX and he gave me employee ID XXXX, that when XXXX contacted me they said they employee ID, are all numbers, hope you can assist me with this situation I have screenshots of the transactions if needed, thanks XXXX XXXX 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 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY RENTDEBT AUTOMATED XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$3000.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$100.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date Opened

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 2023-05-19
Company: HarrisLoftus, PLLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Garnishing wages in the sum of XXXX after collections was already taken by previous debt collection. Sent notice of garnishment to wrong address after the original company has new address and has not communicated since debt being written off, original loan company refused to collect collateral of debt and garnished wages instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of .....

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.

THEY NEVER RESPONDED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
Bank of America encouraged me to open a credit card with them which they did while I was at the bank. I had recently moved so they sent a statement to the incorrect address. This meant I did not get this statement. They then marked my credit report as 30 days late which dramatically reduced my credit score. I brought this to the attention of XXXX XXXX who immediately was argumentative. She also said she would send the decision for reconsideration but I later found out she never did. She also never reported the results to me. I am now closing my long standing relationship with XXXX including emptying my safe box. I hope to never set foot in another XXXX again. This woman acted inappropriately.

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 2021-09-13
Company: CBC Companies, Inc.
State: OH
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:
Sent Innovis a method of verification letter after disputing several accounts in my credit profile. I did not receive the requested information within 15 days according to FCRA 611 ( a ) ( 7 ). Innovis sent the results within 30 days later and listed all disputed accounts as " verified '' with without further explanation or documentation. Called to speak to a representative and supervisor. They stated that all investigations are conducted electronically through their system, they don't have to send me a method of verification, and a thorough investigation was not completed. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2018-05-23
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've seen a medical bill on my credit report, when I contacted the company they informed me it was from an emergency room hospital visit that I was not aware of. I contacted XXXX XXXX Hospital and they have no records of me having an emergency Hospital visit on XX/XX/17. I asked the collection company to provide me with the contact number of the agency providing them with the information and was told that they don't have the information and I was seen on that date. I contacted the collection agency at ( XXXX ) XXXX.

Company response to consumer: Closed with explanation