BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I been reaching out to all three credit bureaus and I have asked them to do an thoroughly investigation on all late payments showing on my XXXX XXXX account number XXXX according to FCRA 609 ACT. It clearly states that they are supposed to remove any negative items they have not investigated completely ... 

I need to find out who did they speak to? 
how was this information verified? 
who completed the investigation from the credit bureaus? 

It clearly states by law that if they did not complete the information between 30 to 45 days these items are supposed to be removed I am demanding these late payments to be removed due to the credit bureaus violating the FRCA

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 2019-03-08
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I WAS NOT AWARE OF A LUMP SUM OF XXXX THAT I HAVE TO PAY AT THE END OF THE LOAN. i REFINANCED WITH FAY SERVICES, THEY LOWERED MY INTEREST RATE. I NOW CAN AFFORD THE MORTAGE BUT WHEN CHECKING ON MY REDIT REPORT I FOUND OUT THAT I OWE THIS XXXX. WHAT SHOULD WE DO? MY HUSBAND IS NOW RETIRED AN WE NEED TO SELL THE HOUSE RELOCATE, WE WOULD HAVE TO DO A SHORT SALE TO BE ABLE TO SELL THE HOUSE, OWING THIS XXXX IT WOULD HAVE TO BE SOLD AT MUCH HIGHER PRICE, THERE WOULD BE NO BUYERS WILLING TO PAY THIS. A SHORT SALE WILL DAMAGE OUR CREDIT, WE HAVE WORKED VERY HARD ON IT BEING OVER 750. IT SEEMS AS IF THE MEDIFICATION SO CALLED HELP IS A SCAM. THE SEEM TO HELP NOW BUY PAY LATER THE INTEREST THAT WAS REDUCED AND IN ONE PAYMENT. SHADY BUSINESS. PLEASE HELP US RESOLVE THIS ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I have a major complaint. I pulled my credit report. And noticed that Experian and XXXX have two different account numbers, no address reporting for the bankruptcy reporting on each bureau. Thats fraudulent and misconduct to my future of purchasing a house. I yu have tried communicating with the creditor about this and they have no response. Also there is correct court name reporting on each bureau where the information came from so I have no clue. This is fraudulent! I need this remove ASAP! I know my rights! I have proof of miss information not use correctly on both bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
checked with Chase prior to sending a wire in the amount of {$470000.00} for principal reduction. THe wire was sent at XXXX Central time on XX/XX/2021 and should have posted to our account on XX/XX/2021. As of XXXX XXXX  on XX/XX/2021 they are telling me it is still being researched and it could be 3-5 business day before they have any answer, They had me upload the wire confirmation to them and should be able to track quickly but are not willing to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Company stating that they wrote {$640.00} off of the loan. This is untrue as I paid the entire amount in full. I have disputed this twice and XXXX XXXX XXXX XXXX has refused to update with the correct information.

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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-09-15
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
On XX/XX/2023 my car was repossessed, then Hurricane Idalia came and the following Monday I called to arrange payment and collection of my car, which I paid {$1000.00} on XX/XX/2023 and waited the requested XXXX hours. I called back after the XXXX hours was over on XX/XX/XXXX and was told that they would release my car, no one did so. I had to call back on XX/XX/2023 and was told that the release was not completed on XX/XX/XXXX and that they will do it now. It was released XX/XX/2023 and Westlake Portfolio management failed to send the hold notice on the car so that I could recover my vehicle they instead sent it to auction the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a medical procedure done around 2018 and had an outstanding debt to a hospital for over {$1000.00}. I still hadn't paid this outstanding amount after a few months went by. Then, XXXX day XXXX received a letter from the hospital saying that if I paid just {$140.00} then they would completely eliminate the amount I owed and consider the account paid in full. So, I paid the {$140.00} after relying on the hospital 's representation that this would completely eliminate my outstanding debt ( proof of this letter is attached ). But rather than consider my account paid in full after I sent them the {$140.00}, the hospital continues to say I owe them money. So I disputed this with Experian and showed all of the necessary proof to support my assertions ; but, rather than side with me the credit reporting company sided with the hospital/debt collector.

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 2023-03-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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: Experian Information Solutions Inc.
State: AZ
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 a victim of identity theft. The following accounts and credit inquiry is listed on my Experian, XXXX and XXXX XXXX credit report and is fraudulent and not mine : XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX. The accounts and credit inquiry is fraudulent, unauthorized and dont belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
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:
They say I owe XXXX dollars and which I dont Experian keeping it on my credit report and its going down XXXX XXXXXXXX took it off my credit report I have no idea why they keep making my score go down someone opened an account under my name from green dot I closed the account and they marked it as fraud this is hindering me from getting a new car

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: Source Receivables Management LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is not legally authorized by my current state of residence to pursue any collection actions against me. According to the NC Secretary of State, this company is not licensed and therefore all collection activities need to end as well as the negative reporting on my credit report. According to NC law, in order for any collection activity to occur against a consumer, the collection agency MUST be licensed in NC. I am attaching an image of the NC Secretary of State search in which is shows this agency is not listed or licensed in the state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Prosper Marketplace, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I HAVE ASKED REPEATEDLY THAT THEY NOT CONTACT ME VIA PHONE, THEY CONTINUE TO DO SO

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 2018-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2014 A BROKER WITH XXXX XXXX XXXX, XXXX XXXX MISUSED FUNDS OF MINE ( SEVERAL ANNUITIES ) ADDING UP TO XXXX DOLLARS WHICH SHE INVESTED WITH XXXX XXXX XXXX.ONE ANNUITY IN THE AMOUNT OF XXXX DOLLARS WAS RETURNED TO XXXX XXXX XXXX BY XXXX.HOWEVER THE REST OF THE MONEY MYSTERIOUSLY DISAPPEARED.MY SIGNATURE WAS EVEN FORGED AT TIMES.WHEN COMPLAINING ABOUT THIS TO XXXX XXXX, CAPITAL ONE RELATIONSHIP BANKER NMLS # XXXX SHE CONFIRMED THAT SOME OF THE MONEY WAS MISSING, AND STATED THAT XXXX XXXX WAS NO LONGER EMPLOYED THERE.THE BANK DENIED ANY WRONG DOING. I WENT TO THE BANK SEVERAL TIMES AND WAS TREATED IN A VERY CONDESCENDING MANNER WHICH MADE ME FEEL LIKE A FOOL.I, CUT ALL TIES WITH XXXX XXXX XXXX AND TRANSFERRED THE REMAINING MONEY TO ANOTHER BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Performant Financial Corporation
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I never heard of XXXX XXXX until I was sent 5 letters advising me of collection for school debt last yearXX/XX/XXXX. 
Currently I have been under a XXXX XXXX plan. Recently on XX/XX/XXXX and XX/XX/XXXX my Federal Taxes and Oklahoma Taxes were taken from me and applied to a delinquent debt. The applied debt was taken by U.S. Department of Education C/O XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, Pa XXXX. Also Oklahoma State Regents for Higher Education, XXXX XXXX  XXXX, XXXX XXXX, Oklahoma XXXX. However, this Company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, In XXXX and another collection agency XXXX also a third party collection agencies, never proved that I made a debt with them. I was never taken to court by either one of these two companies. XXXX XXXX XXXX never tried to contact me directly to advise they were going to take my taxes. They have never shown in writing any proof of my original copy with signature of this debt. I believe this is an unjust claim for them to take my Federal Taxes and Oklahoma State Taxes due to the nature of the claim. To resolve the problem, I would appreciate and request a full refund. I look forward to your reply and a resolution to my problem, I will wait hopefully for sometime in XX/XX/XXXX for a resolution. I received a phone call yesterday leaving a message without whom to contact and advising me they will be coming after my pay check. I need assistance as soon as possible. I sent letters also to My Consumer Protection Agency and My Attorney State General. Oklahoma tax was {$920.00} XX/XX/XXXX and last years they also took XX/XX/XXXX $ XXXX.Also included they took my Federal Tax {$2900.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  is a debt buyer who is misreporting to at least XXXX, XXXX and XXXX, a debt they bought from Capital One Bank, specifically my old MasterCard # XXXX. Its a very old account of mine that I last made a payment on or about XX/XX/XXXX. XXXX  lists the debt on the credit reporting agencies as of the date they bought it from Capital One, which was aroundXX/XX/XXXX.

Although I have had numerous phone calls and letters exchanged with XXXX, they refuse to report this debt accurately to the credit reporting bureaus. It should be removed from the credit reporting bureaus as the debt is older than 7 years. 

Can CFPB help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: EQUIFAX, INC.
State: VA
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:
Applied for an Auto Loan through XXXX XXXX XXXX and found out that Equifax has me filed as deceased. My wife received a letter stating they were sorry for her loss and that her husband had passed away. This was very upsetting to her and caused a lot of pain. 
I've contacted Equifax three times to resolve this issue and still they are unable to fix the problem. I don't understand how a dead guy can still make payments on an auto loan and that not alert any questions. It seemed to be so easy to file me as deceased, but impossible to bring me back to life. I'm not sure how a company like this is trusted to hold several accounts with personal information. 
I'm just curious if my information was part of the XX/XX/2018 breach? 
Thank you for your help, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased tires from a local XXXX XXXX tire center and was offered a discount if I used their credit card. I was told that it was also interest free for 6 months. 
After the 6 month period ended I found that the offer was falsely described to me and the promotion was " no interest '' only if I completely paid it off prior to the end of the 6 months. 
Since it was on auto pay I missed the date and was charged interest on the full amount at the rate of 29.99 % I believe this promotion was intentionally misleading in its setup, design and the way it was communicated.

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 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Dear sir i have my account on XXXX XXXX XXXX I try to access one free cibil report. But when i try to login then it gives an error that my password has been wrong. 

When i try to forget it using password forget link. Then it show that password reset link has been successfully sent on my registered email id. 

But there is no email still received in my email account yet. 

I try to forget it many times using web portel and also XXXX  app but still no email received. 

I also complain in customer helpline email. But still no response. 

Please solve my problem as soon as possible. 

Thankyou Registered email id 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 2019-03-08
Company: WELLS FARGO & COMPANY
State: ME
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:
During my Senior year of attending The University of XXXX XXXX I had to apply for 3 private student loans through Wells Fargo in order to be able to complete my degree. I had been paying ON TIME, full payment amounts, when ever I would receive a bill in the mail. I was never sent the " Loan Account Detail Summary '' sheet that they send in the mail with the current bills I am getting nowadays, which shows which loan I am paying towards so I am able to write the loan # in large on my checks and paystub. When I would make my payments, I was under the impressions that Wells Fargo was allocating my payments accordingly to the loans that they should have been going towards. After about 6 months - year of making payments, I receive information in the mail that 1 of my 3 loans had gone into default due to missed payments and that I needed to contact them in order to get loan back into " recovery '' status. I had contacted Wells Fargo and explained the situation. My concerns were sent to a senior officer at the company, however they continued to stand by their claim of my loan being in default was accurate ... I am furious. I have managed to get that specific loan back into recovery by having them automatically withdraw out of my checking account monthly but this is now affecting my ability to purchase my first home, please help if 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 2018-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a letter from Capital One informing me that I was pre-approved for credit card. I inputted the invitation code and personal information during the online application process as directed. At the end of the online process I was asked to scan or fax personal identifying information including my most recent payroll stub and a copy of my driver 's license. I faxed requested items and confirmed that Capital One received both documents. Yesterday I received a letter from Capital One informing me that they can not approve my request at this time. The following reason was cited : " Based on your application information, application submitted is incomplete or can not be verified. '' The documents I provided are correct and current. Capital One does not provide a contact number to speak with anyone on their end. Additionally, I have active credit card, banking and investment accounts with the company. I don't understand how the company can state they can not verify my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: PNC Bank N.A.
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:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation