BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX  complaint XXXX. Account XXXX. Their response- I was sent statements by Capital One that were mailed to the wrong address for 5 months and during the time of CO-VID I lost my job and had to move XX/XX/XXXX. I was given no opportunity to work with the creditor or get relief from this debt because of CO-VID or statements being sent to the wrong address. I had this account for 10 years and it was charged off with no notice. The Capital One notice was dated XX/XX/XXXX which was 18 months after I moved and I had a change of address submitted to the post office! This account was a charge-off. Unfair practices XXXX! and Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Have tried to close out PayPal account since XX/XX/2022 without success. Did close out the PayPal credit portion, but want to close entire account due to too many fraudulent invoices, phishing emails, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
A closed account recently past the statute of limitation and was estimated to be removed on XX/XX/XXXX. On XX/XX/XXXX Equifax removed the account in question and then added the same account back on XX/XX/XXXX causing an unfair drop of 36 points to my Equifax credit score using the vantage XXXX scoring model. If the account was removed prematurely by Equifax ( i.e ) by a matter of days I believe this would fall under the FCRA as unfair untimely and inaccurate credit reporting. When the account was removed it virtually had no impact on my credit score using XX/XX/XXXX but when this old account was added back it had an immense impact on my score I dont feel this account was weighed fairly. Lastly I have made great strides to improve my credit and have been met with adversity at almost every step of the way but would like to thank the CFPB for all your help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: HW Holding, 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:
XXXX   XXXX ,   XXXX  ,  Hunter-Walfield Inc   XXXX   XXXX   XXXX   XXXX   XXXX  Florida  XXXX  placed a debt on my   XXXX   credit file.     I, was notified by  XXXX  of this action by  Hunter-Walfield Inc  on  XXXX   XXXX ,   XXXX  .     On  XXXX   XXXX ,   XXXX   I spoke with Hunter-Walfield and according to them they placed this debt on my file because my name is the same as a debtor from  XXXX  Florida.     They also informed me that they did not have any personal information on the debtor from the creditor. No!   SS #   or    Date o  f Birth  ,  just a name.      Hunter-Walfield Inc  never reached out to me, before taking this action against me.     They are blindly posting debt to my credit file. This type of action needs to stop!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a reinstatement quote and instructions for nearly two weeks. I spoke with PHH mortgage first on XXXX to discuss options to bring current. I was told I have to call back on XXXX because they don't have all my information yet. On XXXX I called again and was told no modification was possible and to contact there lawyer " XXXX XXXX XXXX '' to get reinstatement quote and instruction. On XXXX I called XXXX XXXX XXXX and was told it would be 3 to 5 business days because they needed to get information from PHH. On XX/XX/XXXX a called XXXX XXXX XXXX again to follow up since no quote was received. They informed me that they are still waiting on information from PHH. That they would escalate the request and I should have reinstatement information sent to my email by end of day or next day at the latest. I then called PHH XX/XX/XXXX to inform them that the lawyer was still waiting ion them. PHH informed me that they sent mortgage information to XXXX XXXX XXXX on XX/XX/XXXX but would call them right now to confirm. PHH representative then informed me that they spoke to the lawyer and I would have reinstatement quote by end of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: SYNCHRONY FINANCIAL
State: AZ
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:
My closed good- paid in full account with XXXX XXXX XXXX XXXX XXXX   was never reported to all credit report agencies ever. 
Apparently, XXXX XXXX is handling my account and not reporting it to all credit bureaus. 
I called their phone # XXXX and got a recording. 
I want a letter stating my good paid in full account with all information..and reported to all credit bureaus. It has been 5 years and non-compliance.

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 2022-08-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have new information concerning Equifax 's continued willful non-compliance to perform a reasonable investigation under the FCRA and to protect my personal information as required under the Gramm Leach Bliley Act. 
Fact, I have submitted two request that Equifax cease reporting a bankruptcy that I did not give them authorization to share or furnish. Fact, Equifax responded with a form letter response which the CFPB explicitly dislikes. Fact, the US Bankruptcy court of NJ does not furnish information to Equifax or any other reporting agency. Fact, Equifax has not performed a reasonable investigation into whether or not they have my written authorization to furnish any public record information onto my consumer report. Fact, it is not known how Equifax is obtaining this information. Fact, the furnishing of the unauthorized data caused me to be denied a {$250000.00} HELOC. 
I have questions. 1. Where is Equifax getting the information regarding the bankruptcy? 2. Is Equifax paying for the public record information it includes on my consumer report? 3. Is a company selling my information to Equifax for profit or revenue? 4. Why hasn't Equifax fulfilled it's duty as a consumer reporting agency to ensure there is permissible purpose for the furnishing of the public record on my consumer report. 5. Is Equifax profiting from my public record information?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: EQUIFAX, INC.
State: OH
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:
This is the third time I have requested Notice for Proof of Claim for Accounts XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
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: Problem with personal statement of dispute

Complaint:
problems with properly maintain my  credit score and wrong information with bills under my name

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-09-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I have a fee free account with Suntrust bank. Suntrust and BB & T are now part of TRUIST. 
I just discovered that my account has been being charged a monthly fee of {$20.00} per month that the balance dips below {$3000.00}. 

I have never signed up for this, nor approved such a thing. Additionally, i have never been told of such fees. 

In my opinion this is simple theft. I know my amount is small compared to other complaints, but i need my money as much as anyone else. How many people could this be happening to?

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 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-09-05
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I submitted the second of two loss mitigation packages to Mr. Cooper f/k/a Nationstar Mortgage, showing that I had the income to qualify for a loan modification using 31 % of my gross monthly income. Despite my eligibility and financial qualifications for a loan modifications, Mr. Cooper issued a denial letter to me only six days later on XX/XX/XXXX, stating that XXXX XXXX XXXX, XXXX, the owner of my mortgage, does not allow loan modifications and therefore Mr. Cooper could not evaluate me for a loan modification. The XX/XX/XXXX letter constitute unfair and deceptive practices. This is because both statements referenced above are patently untrue and are made at my expense so that Mr. Cooper could unjustly enrich itself with foreclosure fees and XXXX XXXX XXXX, XXXX. could unjustly enrich itself with equity from my property. I know that XXXX XXXX does indeed offer loan modifications because 1 ) XXXX XXXX offers loan modifications in its Home Preservation Division and 2 ) it was required to do so under a settlement which Mr. Cooper reached with the Massachusetts Attorney Generals office which was recorded with the XXXX County Superior Court on XX/XX/XXXX. I have now submitted four loan modifications to Mr. Cooper and its predecessor, Nationstar mortgage, and am informed that I have an anticipated foreclosure on XX/XX/XXXX. I need the CFPB 's help to compel Mr. Cooper to approve my loan modification application. Please contact Mr. Cooper 's Office of the President and help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE UNVERIFIED  AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. XXXX XXXX XXXXDischarged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.

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 2021-09-10
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2021, I requested a manual review of my " ineligible payments '' for qualification for the Public Service Loan Forgiveness program. I was told that the review can take up to one year. Through this request, I submitted a cover letter, a table that included all ineligible payments in question, and proof of payment that spans different servicers, with the payments in question all highlighted. 

On XX/XX/2021, I submitted a complaint via the FedLoan Servicing Ombudsman with all supporting documents and information and I was told that I would get a response within 15 business days. After 15 business days, I was informed by the Ombudsman that FedLoan has 30 days to respond. FedLoan responded after 30 days and once again told me that my manual review was ongoing and that it may take up to one year. However, I asked them about the pending termination of their federal contract and how that would effect my review and they were unable to give me an answer. I also asked them that after the transfer of my loans to yet another servicer would this mean that I will need to start another manual review with the same supporting documentation and they were unable to give me an answer. 

Since the FedLoan federal contract terminates on XX/XX/2021, FedLoan will be initiating a process to transfer my loans to another servicer handling the Public Service Loan Forgiveness program. However, given the inability to provide me with answers regarding the effects of this transfer on my ongoing manual review, I asked FedLoan if they can expedite this review and they were unable to grant me this request. Therefore, I am filing a complaint to try to expedite the manual review with supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: LoanCare, LLC
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 have a loan with loan care # XXXX phone # XXXX i have agreement with loan care due covid -19 forbearence plan set up for180 days because my loan is a XXXX XXXX holder and now loan care reported to XXXX  my credit agency that i am delinquent 60 days XXXX  have fisco score down from XXXX to XXXX i want to disputed because loan care told me that it reported that way and XXXX  told me laon care reported as dilinquent i need this matter to resolved by loan care thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX 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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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've been trying to get a copy of my consumer report from TransUnion online and was unable to for XXXX months, I called and a rep told me someone would call me back but never got a call from company, I keep getting a ( ( Temporarily unable to complete your request ) ) on XXXX XXXX XXXX.transunionXXXX  for months i've also went on TransUnion.com website online tried pulling my report but the same error message came up, I've contacted TransUnion and spoke to a manager by the name of XXXX agent XXXX that told me my account was a BLOCK Account and its a special LOCK on my information by TransUnion which have a special team, MY IDENTITY WAS STOLEN AND ITS VERY IMPORTANT THAT I monitor MY CONSUMER REPORT EVERY 7 DAYS OR EVERYDAY, after getting transferred to about 5 TransUnion reps a lady told me that there's nothing I can do to unblock her name is XXXX special handling department. suggesting that I pay XXXX for a membership fee to be able to monitor my file or go on credit karma to look up my report, AND when I told her about my rights under the federal Fair Credit Reporting Act she told me I have no rights and there's nothing she can do I also mention that I'am to receive a free report every 7 days by law, she stated that was during covid-19 hang up on me, ''The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies '' Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers how can I make sure my consumer files that TransUnion is holding hostage is accurate, complete or fair if my consumer report is block

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 2017-06-08
Company: Franklin Collection Service, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recievely had my credit pulled, and was informed that I had collection with Franklin Collection Services for an    XXXX   account that I never had. I never recieved anything from  Franklin Collection  regarding the debt, verifying the debt or proving the debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX inquiry XXXX XXXX XXXX inquiry XXXX XXXX inquiry XXXX I was informed by my XXXX XXXX XXXX XXXX of the numerous inquiries which lowered my borrowing power with XXXX. I was asking for a loan with my credit union and because of these inquiries, that I did not initiate or give permission to do, I was turned down for the amount of the original loan I applied for. 

XXXX ( XXXX XXXX XXXX ) was never an application for credit made by me. ( I only shop at XXXX XXXX! ) XXXX XXXX - I was informed by my credit union that it is a home repair company. NEVER would I make a loan for home improvements - now or ever! 

XXXX XXXX XXXX - I did not make credit application for this credit company.

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 2023-06-09
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Gm financial has a Very slow billing system that doesn't update properly doesn't account for payments doesn't show all payments, Doesn't provide an accurate balance... The customer service is generally grossly incompetent with absolutely no follow up from this company about anything... They waste your time and essentially dismiss your concerns. This company 's policies and procedures essentially is consumer abuse... I would add that in the past their statements had no information at times But insisted there was nothing they could do... I have absolutely no confidence that this company will do anything about any complaint...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation