BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I received notification from XXXX that one or more of my identity monitoring services had a new notification. Upon investigation, I found that XXXX XXXX  in XXXX MS had initiated collection services for a loan account opened with them on XX/XX/XXXX, Acct # XXXX. I contacted XXXX XXXX  by phone on XX/XX/XXXX to inquire about the loan and found that it was an account opened by a family member who used my personal information to open a joint account without my permission. XXXX XXXX  requested that I submit a request to have my name removed from the account. I submitted such request by e-mail on XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX requesting that I dispute the account through TransUnion to start the investigation. I submitted the dispute through TransUnion on XX/XX/XXXX and received a reply on XX/XX/XXXX stating that the dispute had been verified as accurate. I again corresponded with XXXX XXXX  on XX/XX/XXXX asking why they wanted me to initiate a dispute through TransUnion if they were simply going to verify the account as accurate. I have no confidence that XXXX XXXX  will act responsibly to resolve this dispute. They are giving me the runaround while negatively affecting my credit profile. They never verified with me that I was joint on a loan. Nor I have ever received any correspondence from XXXX XXXX  concerning this account. XXXX XXXX has failed to act responsively concerning this matter.

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 2020-09-24
Company: Convergent Resources, 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:
I sent a letter to Convergent Outsourcing asking for verification of this debt on XX/XX/2020 and have not received a response from them, I have lived at my current address for over 6 years and have never had XXXX services ever, I can provide my monthly statements showing my cable and internet services have been with XXXX for the entire 6 years. I would like to see some proof such as a contract, drivers license, or signature for the account in question.

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 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One. 
I have been a regular Capital One customer for 12 years. 

I paid my credit card balance in full on XX/XX/XXXX. Even though there was a XXXX balance, Cap One withdrew my regular monthly payment on XX/XX/XXXX. 
On XX/XX/XXXX, I called their office and spoke to a representative who said they could mail a refund check to me 10 business days out. I countered with them to deposit it directly into my checking account for an expedited refund. The representative verified my checking account information and advised it would be processed in 2 business days. 10 days later here we are with no refund. I called today ( XX/XX/XXXX ) and spoke with a supervisor, XXXX. 
XXXX informed me that 1 ) they do not issue refunds via direct deposit and 2 ) there were no notes on my account of my previous discussion on the XXXX. I replayed the conversation for XXXX and requested that if she was unable to deposit the refund directly, as I was told they could, then I would expect a check to be overnighted to me. She advised she was unable to do so. 
When I asked to speak with her manager, she refused. She told me her manager, XXXX, deals with only HR policies and doesnt talk to customers on the phone. 
When I asked to be transferred to a department who has authority to process check requests, she refused. She told me they had no extensions and no ability to transfer. 
When I asked for the direct number to the office where I can speak with someone about this matter, she refused to provide me with one. She said you can find that number on social media. 

I advised XXXX that I, too, work in the finance industry and I know what options are available to bring resolution to an upset customer. XXXX and Capital One were unable to provide me with a resolution. I was told I would receive my refund check on XX/XX/XXXX. 

The Fair Credit Billing Act ( FBCA ) applies to open end credit accounts like credit cards. According to this law, creditors that offer open end credit must promptly credit or refund overpayments and other amounts owed to your account when your account is owed more than one dollar. If you prefer a refund, it must be sent within seven business days after the creditor receives your request. 

Requested on XX/XX/XXXX. Refund expected onXX/XX/XXXX. Well beyond 7 business days ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by the law offices of XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ca XXXX by XXXX XXXX XXXX ( XXXX ) XXXX by mail on XX/XX/XXXX about a Citibank debt already paid through my XXXX XXXX XXXX  account. This is the second this law firm has contacted me about the debt that was settled and paid on XX/XX/XXXX. I have documentation of these facts from XXXX. I recently applied for a debt consolidation loan and was denied because this account is still regarded as an " debt in collection '' '. I want to take my case to small claims court and sue for damages. please tell me how. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: NM
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:
This company has not solved this issue in the time set. They were to properly investigate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Have not received any results

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 2023-04-26
Company: EQUIFAX, INC.
State: PA
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:
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XX/XX/2016, I was laid from my company for over 18 years I've been employed there. I filed a hardship during those months, I was not able to make payments. I applied for a program Keep your home California. I was eligible to qualify their program but I missed months of payments for my mortgage. Finally the program assisted me with my mortgage payments through XXXX XXXX. 

I'm currently making my mortgage payment for the past 14 months straight. I would like to dispute this late payments for XXXX XXXX, that is affecting my credit scores. if you could please assist me get this off my record. I'm working so hard to get a affordable credit score so I may live a better life knowing that I'm the average American with a good score. 

Thank you 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 2019-08-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been making payments to Navient for their Sallie Mae Smart Option student loan. My loan now totals $XXXX+. I've made payments of $XXXX+ since 2014 and my total has not gone down. I recently found out that my school that I attended, nor did I graduate, closed down. I had no help or notice from the school's closure. Stricken with this loan, I have no idea how I'm going to pay this off. I've spoken with them to discharge the loan, but they refused saying I'm ineligible. I currently have no degree nor do I have the option to go back to school because my credit score is completely broken due to this loan. I asked if there were ways to lower the interest or the principal amount; they gave me no solutions. The school also has not responded to me since they closed, and I am unable to receive any aid. I work and make just enough to cover my rent and loan. I am stuck in a cycle of torment and have no options available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my loan with Ocwen in XX/XX/2019 and Ive never received my escrow balance refund. I called them 11 times to inquire about this issue, escalated with a manager and still its been almost 2 months and no one seems to know or care when am I getting my money back.

They blamed on the fact that my loan was transferred to PHH mortgage services and that they have no immediate access to the Ocwen mortgage accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
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: Account status incorrect

Complaint:
The payment history on this revolving account ( Acct # XXXX XXXX is being reported inaccurately. I have never paid this account 30 days late. In addition the referenced late payment is invalid as the month of XX/XX/2018 only has 28 days and not 30.

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 2019-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
By XX/XX/XXXX I checked my credit report and I found many mistakes in the account with capital one auto loan, I request to the credit bureau and capital one to take care this, apparently my request is not enough because nothing change except a letter state they are not going to change anything since everything is ACCURATE!!!ATTACH proof of the the inaccuracy DOLA BETWEEN THE 3 BUREAUS SHOW XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX  XXXX show as paid but XXXX an XXXX report derogatory, is insulting to got a letter state  "after conducting a detailed review of your account we confirmed cap is reporting information accurately"

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: SYNCHRONY FINANCIAL
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I work for Synchrony. Multiple times, in a couple of years but especially in the pandemic, has taken payments through XXXX XXXX XXXX and had the incorrect amounts taken. 

I have raised my complaints within the company of Synchrony and directly through XXXX XXXX to be shot down every time. 

This is such a widespread problem throughout Synchrony and XXXX XXXX to be estimated in millions of losses for our consumers. The problem continues to persist and Synchrony and XXXX XXXX are either not acknowledging the problem or profiting from it. 

I can not explain the number or volume of complaints that we have received in response to this problem. Synchrony and XXXX XXXX are both responsible for these problems.

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 2020-12-09
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: Account status incorrect

Complaint:
I paid XXXX for the XXXX payment. They did not apply to my monthly mortgage payment but instead of applying the payment towards escrow. I have contacted them to correct it but they refused. 

I also closed XXXX XXXX XXXX  and XXXX XXXX but Equifax still shows on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: CURO Intermediate Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associates, LLC ( PRA ) purchased a credit account I had with XXXX XXXX XXXX  on XX/XX/XXXX. 

On XX/XX/XXXX PRA received ( confirmed by USPS certified mail ) a request to provide documentation validating the debt PRA claims that I owe them.

" Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. Please provide me with the following as required, per 15 USC 1692g
Sec. 809 - Validation of debts : - The amount you claim I owe you.

- Explain and show me how you have computed the amount.

- Send me the copies of any documents that prove I agreed to pay the alleged amount.

- Identify the original creditor.

- Confirm that the account has not crossed the SOL period - Prove that you're a licensed debt collector - Show me your license numbers and registered agent. '' In response, PRA has provided documentation showing that PRA purchased from XXXX XXXX XXXX this credit account on XX/XX/XXXX at a claimed balance of {$1400.00}.

Additionally, PRA provided only two statements from XXXX covering the periods of XXXX and XXXX. 

On XX/XX/XXXX PRA received ( confirmed by USPS certified mail ) a letter in response to me stating that PRA had not provided documentation legally required under the Fair Debt Collection Practices Act to validate the debt they claim I owe them. In the initial request for validation I clearly stated, " I would also like to request, in writing, that no calls should be made by your agency or
company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no
option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. '' PRA 's response was to send a letter, to my mother 's address, with even less documentation, simply resending the document showing the PRA had purchased this credit account from XXXX XXXX  XXXX  with no additional documentation beyond that at all.

PRA clearly is unwilling or unable to provide the legally required documentation to validate their claim to this debt. Despite that, PRA continues to report to at least one of the 3 major credit reporting agencies a " MAJOR DEROGATORY '' associated with this credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-06-16
Company: ALLY FINANCIAL INC.
State: MI
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:
I got no response back from the company Inaccurate reporting on my report, Vehicle was sold and paid the debt the amount own is inaccurate, and debt was never validated

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 2023-10-22
Company: Experian Information Solutions Inc.
State: AL
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:
Know action has been taking by Experian, XXXX, XXXX on updated information, deleting inaccurate information and updated report.

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 2021-11-04
Company: Checkr, Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good evening, I am reaching out because I seen two incorrect reports on my motor vehicle report. Unfortunately my XXXX XXXX drives without a license and when she does get pulled over uses my name. At the time of both of those incidents I was working. I have been trying to work on getting my record clean and free of any reports made to it. I think its very unfair to me that I have these incidents on my report seeing as I wasnt the one that received them. I have points on my license for something that I did not do. Not once did the officer think to check her id because if they did they wouldve seen that she isnt me and not even close to. I just want to be able to remove those two because I did not in any form authorize for her to use my name, address, or lie on my license. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The following accounts and credit inquiries listed on my XXXX XXXX, XXXX  and Experian credit report is fraudulent accounts and credit inquiries : XXXX XXXX for {$220.00}, XXXX/XXXX for {$100.00}, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX/XXXX  XXXX, XX/XX/2020, XXXX  XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XXXX XX/XX/2020, XXXX  XXXX, XX/XX/2020 and XXXX XXXX XXXX XX/XX/2020

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 2019-08-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
City Bank : I have deposited $XXXX on XX/XX/2019 which Citi gave me $XXXX out of $XXXX  on XX/XX/2019 and since then I have been waiting for the rest of the the amount $XXXX I have called and called I have been told all kinds false information I know resolution takes to complete with 45 business days with 10 days provisional credit supposed to be given but no one is willing to get to the bottom of this issue I am also gonna attached the document from the the research team also the case or inquiry #is XXXX   thank you hope to hear from you soon thank you.

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 monetary relief
Consumer complaint received 2023-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
The closed my account and gave no reason to why.

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