BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2021 I applied for a personal loan and was denied 3 times from 3 different .companies. 

1. First company was XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency XXXX  score ( XXXX ) ( XXXX XXXX The reported score is XXXX. 

2. Second company was XXXX XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency XXXX  score ( XXXX ). The reported score is XXXX. 

3. Third company was XXXX ( XXXX ) in the amount of {$5000.00}. They decline my application based on the credit reporting agency XXXX  score ( XXXX  ) The reported score XXXX. 

above shows 3 different credit consumer bureau with 3 different scores. I have no creditors showing late or default. all payments made on time.

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 2022-08-16
Company: Rausch Sturm LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Rausch Sturm LLP, XXXX, has been excessively calling me on my phone number XXXX. SOmetimes calling me up to 7 or more times a day. Thursday, XX/XX/XXXX they called me 6 times around XXXX. 1 time on XX/XX/XXXX, 2 times on XX/XX/XXXX, XXXX, 1 time XX/XX/XXXX, 7 times on XX/XX/XXXX, 1 time XX/XX/XXXX, 4 times on XX/XX/XXXX, 1 time XX/XX/XXXX, 3 times on XX/XX/XXXX etc. 
It is out of hand!

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a credit report from my bank that was submitted by TransUnion. The report indicated that my credit score of XXXX in XX/XX/XXXX was reduced to XXXX in XX/XX/XXXX and further reduced to XXXX on XX/XX/XXXX. All categories used to calculate my credit score reflected a XXXX XXXX with the exception of Inquiries. The report reflected a credit inquiry in XX/XX/XXXX when I applied to refinance my home and in XX/XX/XXXX for a line of credit that I did not apply for. According to TransUnion these two inquiries allowed them to reduce my credit score from XXXX to 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 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have several late payments reporting on my credit reports that are incorrect. I have late payments reporting sporadically from years XXXX and XXXX. I tried fixing the problem but XXXX XXXX is no longer my loan services. I also was informed that the company has filed bankruptcy and I do not know how to contact XXXX XXXX financial to have my credit reports updated and corrected

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 2018-05-31
Company: Knight Adjustment Bureau
State: UT
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:
KAB also known as Knights Adjustment Bureau has been informed to cease and desist contacting my telephone and to send correspondence only by mail, yet have reached out to me after being informed they would received an affidavit with a follow letter by certified mail with GREEN reciept of the police report. The XXXX has to finish the identity theft investigation after all fraud and identity theft investigations have been completed as instructed by the detective working on the case. KAB has failed to respect under federal law the " Fraud victim Bills of Rights '' which they have obviously failed to comply to so far. I informed KAB recently that I would get the CFPB involved since they feel they are above the Law in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I received an email from MOHELA stating that the processing of my student loan forgiveness forms is being delayed. I was told to sign in to receive information ; however, when I attempt to sign in, I am told that they have no record of my accounts, so I need to register with a new account. When I attempt to register with a new account, I am told that they already have someone under my ssn. I tried to call and was hung up on several times by the automatic system. My loan was transferred on XX/XX/XXXX and I very close to loan forgiveness and now I am getting the run around by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions 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 very concerned because my credit reports have a discrepancy with this account. I am a very concerned consumer and do not know what is correct. If you look at the letters sent to the credit bureaus, I have highlighted all these discrepancies. 

I have been denied getting my first home because of this. I have asked them to remove this from my credit reports and they have only sent me a generic response and have not remove this from my credit 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 explanation
Consumer complaint received 2017-06-06
Company: Capital Management Services, LP
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX has been reporting loans past the statute of limitation to my credit bureaus. They had sold some loans XXXX and XXXX to Capital management services LP that has been harassing me and contacting me for repayment. XXXX XXXX is no longer reporting those loans because of their erroneous error they had to remove them. Capital management has not removed said loans and continues to contact me for repayment of erroneous loans. <P/>XXXX XXXX also has the first date of delinquency for loans XXXX and XXXX listed as XX/XX/XXXX which they said would remain on my credit for a period up to 7.5 years. florida statue where I reside and where the loans were originally taken out states : The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In many states, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they have taken this step, you have rights to pursue under the FDCPA. CAPITAL MANAGEMENT IS ATTEMPTING THIS. Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11.
Floridas statute of limitations varies for different types of debts. For written contracts such as personal loans, the statute of limitations is five years. So once this type of debt is more than five years past due, the lender can no longer sue in order to collect owed money. THIS DEPT IS TO BE REMOVED FROM MY CREDIT IT IS 2 YEARS PAST THE FIRST DATE OF DELIQUENCY THEY ARE REPORTING ON LOANS XXXX AND XXXX AND PAST THE DATE OF LOAN XXXX THEY SOLD TO XXXX XXXX XX/XX/XXXX THAT THEY CHARGED OFF IN XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services has not validated the debt and the debt does not belong to me. 

Credit Collection Services is in violation of the Federal Debt Collections Act pursuant to 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Credit Collection Services please Cease and Desist pursuant to Federal Debt Collections Act 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Funding LLc is claiming I owe them more then {$2900.00}. This debt was paid to XXXX XXXX  in full. XXXX deleted this from my credit reports with a promise to pay then months later I get a phone call from Midland Funding LLC call my work which I am not allowed phone calls at work telling me I owe more then {$2900.00} to them from XXXX told them not to call my work ever again all correspondence must be sent by mail ask them to send me Proof I owe this money proof I never paid this debt and all purchases made on this account have yet to get any information at all other then a bill from Midland Funding LLC they still continued to call this debt was paid in full I do not owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was settled paid as agreed. They said they would not report this as a collection. This was first reported XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: IN
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 paid my XXXX truck payment on XXXX XXXX I paid my XX/XX/2023 truck loan payment early on XX/XX/2023, I paid my XXXX payment early on my truck loan with XXXXXXXX XXXX. I paid my XXXX payment on XX/XX/XXXX. 
XXXX is showing my payments as on time and no payments missed or late ever. I have had this loan for 2 years and have never been late or missed a payment. My payments are due the XXXX of the month. 
So, I paid my all my payments on time. 
I noticed a decrease in my credit score. It went down about XXXX points, from about XXXX and disputed it with both XXXX and Equifax. XXXX still shows me at a credit score over XXXX The dispute response states they " assume my balance increased due to a possible missed a payment. '' My balance shows as going up from my prior double payment in XXXX. The balance goes down but they add interest. It just never shows up to the credit reporting agencies because of interest on the loan is buried in the balance due. 
I dispute their determination and have been severely penalized by their faulty rating system. All I did was make a payment one day early and their system decided inaccurately that I missed a payment. Their logic is faulty. My payment history is excellent on all my loans and bills. 
It seems unfair and unethical to drop my score by a very large amount without just cause. 
XXXX points on XX/XX/2023 Balance Increased XXXX XXXX XXXX account balance increased Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX automotive account balance increased by {$160.00} " It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My td bank debit card was fraudulenetly used on tuesday for over 2000 dollars i called td bank as soon as it happened they said for me to dispute i have to wait for charges to post..today " ( thursday ) they posted i call td bank to dispute and ask for a credit.i am told i have to wait ten days for their investigation to end to get a credit..My card was used fraudulently now i got to sit in limbo for something that i didn't do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-06
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I recently sold several items on  XXXX   XXXX  and through my personal Pay Pal account that was already set up for years with Pay Pal ...  XXXX   XXXX  sent my money through Pay Pal to be deposited into my credit union account i.e.  XXXX   XXXX   XXXX . I was not informed by either  XXXX   XXXX  or Pay Pal that my money would be held for months by Pay Pal before it would be deposited into my  XXXX   XXXX   XXXX  account.  <P/> Essentially Pay Pal decided without informing me that they would " disperse '' the monies owed to me " whenever they felt I was qualified to receive them ''. Surprising to me since I have had several Pay Pal accounts active for many years including credit/loan accounts. Pay Pal essentially knows me very well, thus there is no reason to " hold '' my money for my " protection ''.  <P/> I believe this is a classic example of Pay Pal not disclosing " clearly or at all '' to consumers that they will hold one 's money after they sell an advertised item on  XXXX   XXXX .  XXXX   XXXX  supports this collusion since they only use Pay Pal a company they have a close business relationship to " disperse '' funds owed to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Assoc - I do not have any agreement with them. I never signed anything with them. They claim they purchased my debt, but I asked them to validate the debt TWICE by mail, and they never responded. Portfolio Recovery Assoc never showed me any signed documents by me and I asked for verification of debt and they did not respond.. Portfolio Recovery Assoc FALSELY is listing on my report that I am LATE ON PAYMENTS - this is false and fraudulent. I do not have any payment agreement with them. I submitted a complaint for this through the CFPB website and they sent me a generic letter stating I owed this debt as proof and that it was a XXXX account. I have NO XXXX accounts and those have already been disputed and taken off of my credit report years ago. Nevertheless, Portfolio Recovery continues to report for many many years that I have not been making payments to them. I will not make payments to a company I know nothing of for a credit that I did not owe and has been already disputed and removed. Portfolio Recovery this is reckless and fraudulent practice. You should not be able to damage people and their lives this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my checking accounts with capital one for two weeks now. I keep getting the run-around as I have left a message for someone name denisha at the number provided if they had any questions for me. I am closing my accounts with capital one because of the process they put me through and the baseless claim. Why would I provide capital one with more of my personal and business information when I trying to close my accounts. I had to file a complaint with CFPB to get an answer as to why capital one had my accounts on hold. If I did not file a complaint I would have never known what was going on because no one at capital one was allowed to tell me. Capital one is more than welcome to submit any evidence of wrongdoing to XXXX and I will communicate with them as that is who provided the loan, not capital one. Capital one should please make sure to send copies of the letter to me, CFPB, and the OCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: PNC Bank N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello CFPB, I am a XXXX year old with a credit score of XXXX and recently applied for my first credit card at PNC Bank. I signed up for the XXXX XXXX PNC Credit Card and got back an interest rate on my card of 23.99 % on the scale of 13.99 % to 24.99 % which was shown on the marketing materials. I was given a mailing from PNC saying that my credit score was XXXX and verified saying that my credit was better than 45 % of consumers. I thought the interest rate they gave me was very poor considering my credit history, so I called them and talked to XXXX about this issue. He said that PNC Bank typically gives everyone a rate in the higher range of the interest bracket including himself. He said that he has a credit score of over XXXX and he still is given a rate over 24 % consistently with PNC 's credit cards. He suggested I talk to the credit department to find out more. I was transferred to XXXX who explained to me that the rates are high, but are decided based on the prime rate of 3.25 % at this time and then PNC multiplies this number by a margin multiple which allows them to make money on credit card debt. It turns out this multiple is actually very similar for all PNC customers regardless of their credit score. Additionally, once a credit card is created, it is impossible to ask for the rate to be changed within 6 months according to the employees. PNC should not be allowed to market their credit cards with a range down to 13.99 % if they always put people in the top quarter of interest rates. This is false advertising and is damaging to consumers by making them think they have a chance at getting a good interest rate, but always giving them a poor interest rate regardless. I left my formal complaint with both XXXX and XXXX who she transferred me to. I would like CFPB to fix this issue that credit card consumers have. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
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 belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Request for Debt Verification Page To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation.

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law.

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, XXXX   Circuit Court, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or TransUnion ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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