BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: SC
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 my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX  selected Capital One to be their new affiliated credit card. The old master card was shut off the end of XXXX and the new Capital one card was to be used. I called Capital One because I could not log in to pay my bill as I never received the new credit card. I was told my balance was XXXX which I paid. I requested another card as I had never received the first one. I received the second card on XX/XX/XXXX and logged into my account, it showed transactions against a card ending in XXXX which was the card I never received. It also showed my previous statement balance was XXXX and I had previously paid XXXX a difference of XXXX owed back to me. It also showed a charge of {$480.00} as a XXXX on XX/XX/XXXX. I called to find out what this charge was and was given the run around, after talking to a representative, her supervisor and someone in the fraud department, I was able to get them to place the charge in dispute. All other charges listed the actual vendor which I was able to recognize, but this purchase of {$480.00} they could not tell me who the vendor was. My concern is how do they arbitrarily place a significant charge on my card without knowing what that charge is for. Also overcharging me on the payoff of the previous months billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: State Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company calls and harassed me to pay a debt from a medical provider XXXX a medicine for about {$400.00}. That I paid to another company about a month before this company started calling me. I still have not received any receipts nor any proof of payment from the last company. This company is asking for the same payment. When I ask them to send me proof I owe a debt none of the customer service reps can send an email, or letter to my home. Until they can prove this. They need to stop calling because the harassment is too much. Because when I call XXXX medicine Im not getting the same info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: SC
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 my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: IL
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 there are numerous credit cards and loans taken out of my name without my consent or authorization I have Filed a police report Concerning these matters my credit report shows credit cards that is open in my name that Ive never authorized

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 2021-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company is portfolio recovery I have never dealt with this company before. They are sending letters saying that I had two XXXX XXXX credit cards that I never opened up before. Under provisions of public laws 95-109 and 99-361 also known as the Fair Debt Collection Practices Act, I'm requesting that they immediately cease and desist all attempts to collect the debt. Failure to comply with this law will result in me filing a complaint with the Federal Trade Commission and the Attorney General. This letter will also serve as a notice to not utilize my phone records, or mailing address. If any negative information is placed on my credit bureau reports by your agency after this receipt this will cause me to file a suit against you and your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Going over my credit in preparation to buy a house I noticed Hyundai Motor Finance has not reported any credit activity on my credit report since XXXX of 2022. I read that it's law that credit needs to be reported timely and accurately within 45 days max. Its been almost 6 months and they have not updated my credit report to reflect accurate payments made or my gross balance that is left on the card. They need to update my credit report immediately.

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 2021-11-14
Company: Diversified Adjustment Service, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection from XXXX  on a account I didnt sign or start. Its on my credit report as a collection from Diversified Adjustment. I filled a police report for identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In early XXXX my dad directed me to obtain his home loan payoff with PHH Mortgage Services. I did so and obtained a payoff of {$7200.00} and set date for payoff was XX/XX/2019. Dad directed me as his power of attorney to pay the mortgage off with the pay off instruction. I went on XX/XX/2019 to my local credit union and did a wire transfer for {$7200.00} plus a {$20.00} fee for doing so. PHH mortgage services mistakenly applied the amount to the wrong account which was my personal account with them for my home, not my dad. I don't know how or why they did this my payoff is way higher than my dads home. I have contacted PHH mortgages and they have told me they are working on it but nearly two months later have not done so. They in fact are sending me default of loan letters for my dads property which is now my property. Can someone please help me with his complaint. PHH mortgages is not listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Phone calls 4-5 times a day. 
From : XXXX to XXXX 2017 Amount for XXXX Discover Bank I have notified Discover Card on XXXX XXXX2017 to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Risecredit, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I disputed this debt. I have never signed a contract. I do not know who this company is. I have not done business with this company. I do not owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: EQUIFAX, INC.
State: DE
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:
Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company XXXX XXXX XXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I demand this account be removed from a collection status and reported as paid in full or pay {$560000.00} for every minute this account has been illegal reported on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: MARINER FINANCE, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On Wednesday, XX/XX/XXXX at approximately XXXX. EST, my ex spouse and I contacted Mariner Finance , LLC. regarding general information about our account. Specifically, we requested that Mariner Finance furnish us with periodic account statements so as to review payment history, information on the life of the loan, how our payments are being applied ( principal vs interest ), etc. 

I was informed, on the Wednesday call, that in late XXXX of this year my ex spouse submitted a " dishonored '' check and therefore she was denied access to review such account information. However, she would be granted access once the company worked out the " kinks '' in its online system, and approximately six ( 6 ) months after the dishonored check incident. To be clear, we have submitted money orders for nearly five ( 5 ) months now and next month will be the six ( 6 ) month where we may or may not have access to account information. 

Personally, this raised a red flag for me as I am unaware of any financial institution prohibiting a customer/consumer from reviewing account information due to a " dishonored '' check. Perhaps the customer is not allowed to pay online, but being denied access to account information seems completely unjust and unlawful. 

I asked both the account representative and her manager was this company policy or in accordance with Federal law? Each noted company policy. Troublesome, indeed. To deny a customer access to account information on the basis of one unfortunate incident seems completely draconian and out of sync with normal business protocol and leaves the customer unclear of the basic information to make timely and accurate financial decisions. 

To the manager 's credit she did offer to send a payment history report to us for review, but that we could not gain access online at this time. In my discussion with both the manager and account representative, my ex spouse was on the phone call with me. 

Mariner Finance has had a string of complaints over the years, I am more than sure this issue is not endemic to the XXXX family. In short, there should not be any prohibitions or account restrictions ( at least viewing account information ) on active accounts. We are blindly making payments based on the amount our account rep says at the Mariner Finance branch office. This is overly cumbersome and completely off-base. And entirely against basic consumer 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 2023-10-20
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of wire fraud. An individual accessed the system of either our mortgage company ( XXXX ) or closing company ( XXXX XXXX and XXXX XXXX ) and emailed me under the guise of our mortgage agent. They included a docusigned version of our qualification letter to reference the {$130000.00} in closing costs I would need to wire to the closing company. 

I wired that amount from my bank ( XXXX XXXX ) to an account at Truist ( account number XXXX ). Truist held flagged the transaction as possible fraud and contacted XXXX XXXX, who contacted me. I told them it was fraud ( by that point I had figured it out ) and XXXX XXXX relayed that message to Truist. That happened XX/XX/2023. 

Since then, I have been working with XXXX XXXX to try to get my money back from Truist ( who did not deposit the transaction into the fraudulent account ). I signed a letter of indemnity and have been waiting months. Yesterday, XXXX XXXX closed my case, saying that it was now between myself and Truist Bank as to whether I would get my funds. I have no point of contact at Truist. I don't have an account there. And I was basically told it was up to Truist whether or not they would keep my entire life savings or return it to me. 

Has anyone there ever heard of something like this? And how can this be legal? In my opinion, Truist basically foiled fraud so that they could commit it.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$110.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$64.00} ; XXXX  ( Original Creditor : ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed XXXX {$8600.00} ; XXXX XXXX Balance Owed : {$5900.00} ; XXXX XX/XX/XXXX ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: W&A Intermediate Co., LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I didnt received any notification and calls from debit company but reported to credit agency.when I called they said no info available .I asked sent me account and debit details but not yet received.I provided email Also but no information received nd reported in credit history.Due to this I am not able to get loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
I Had A Used Car loan from a Predatory lender outside of XXXX XXXX California in 2001 and Refinanced it with Navy Federal. Right After i Bought the Car I was XXXX Back To Back To Back and The Patriot Act wasnt Created Yet. So Being XXXX I Naturally fell behind in Payments and My Car Was Repossessed. I Explained the Situation to Navy Federal and They Completely Shut me Down. I am XXXX XXXX XXXX XXXX XXXX with a Family. Who Served HONORABLY And Because of my IMMEDIATE Unexpected XXXX XXXX XXXX  fell Behind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX PHH mortgage company took over my mortgage ( not my choice ). The company has the incorrect parcel ID and sent my tax payments to the incorrect borough for the taxes to be paid. The check was returned and I was never informed of this until I received A late notice from the borough in XXXX XXXX XXXX. I have been trying to get this situation rectified since XXXX and the Only thing I am Ever told is that its under investigation after reading XXXX reviews- this mortgage company is known for this same issue with other customers. My taxes are now delinquent- have been sent to collections and I have gotten absolutely no where with this company. They act like they are working on it but nothing happens.

Company response to consumer: Closed with explanation