BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
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:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX DEPT OF EDUCATION/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 2016-07-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed XX/XX/2010. The BK was discharged XX/XX/2010. I included XXXX on XXXX. They keep selling and re-aging the debt to different collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For months I have been disputing the incorrect items on my credit reports with the 3 credit bureaus XXXX, XXXX and Experian and none of these companies are providing verification or validation of any of these items within the legal time allowed.

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 2021-05-17
Company: EQUIFAX, 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:
For months I have been disputing the incorrect items on my credit reports with the 3 credit bureaus XXXX, Equifax and XXXX  and none of these companies are providing verification or validation of any of these items within the legal time allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Have disputed attached items over and over and still get the same old generic letters stating they have been verified. I want verifiable PROOF that they have been or I want them deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Consumer Financial Protection Bureau Since I reported the matte r Ocwen has been trying to put m e in foreclosure after 14 years of service On  XXXX   XXXX  I learnt my payment came back I set via  XXXX   XXXX  and then called to resolve the next month payment by paying {$19.00} for automatic payment from the acount to start  XXXX   XXXX .  XXXX  and  XXXX  payment were never deducted as result I have been getting foreclosure letters. I have resolved by paying {$1100.00} through  XXXX   XXXX   XXXX   I know have a modification and need you to advice of a agent that can help borroers to lower my interest down.       Ocwen has Failing to timely and accurately apply payments made by borrowers and failing to maintain accurate account statements ; Charging borrowers unauthorized fees for default-related services ; Providing false or misleading information in response to consumer complaints.
. Ocwen failed to effectively assis  t, and in fact impeded, struggling homeowners trying to save their homes. This included : Failing to provide accurate information about loan modifications and other loss mitigation services ; Failing to properly process borrowers applications and calculate their eligibility for loan modifications ; Providing false or misleading reasons for denying loan modifications ;

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: SYNCHRONY FINANCIAL
State: WV
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Synchrony bank has consistently been harassing my ex boyfriends parents when there number was never given out. I am going through bankruptcy and the debt will be taken care of after my discharge. I do n't appreciate people knowing my business when I no longer speak nor see them

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 2021-05-17
Company: Experian Information Solutions Inc.
State: NV
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:
I reached out to Experian Dispute center for investigation and verification of a wrongfully reported account on my report. It has been over 30 days and I havent received any response or documents with any signatures or validation. 

Account : Financial Assistance # 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 2017-03-18
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This is in regards to my Care Credit account which is a credit card. Care Credit is a subsidiary of Synchrony Bank. There was a fraudulent charge on my account for {$750.00} on XX/XX/XXXX from XXXX in XXXX, CA, I live in XXXX Ohio. Care Credit is not allowing me to make a payment on my account for the balance that I had prior to the fraudulent charge. Care Credit has admitted that they have mishandled my account while investigating the fraud and due to that are now unable to take a payment. They are advising me that I now have a credit on the account and there is no balance owed. I spent 1 hour and 40 minutes on the phone with them today to find out that their Risk Department has mishandled my account, they do n't know when it will be fixed and they ca n't take a payment because it states I have a {$0.00} balance. The representative on the phone advised that the only recourse with the company that illegally used my information was to get a lawyer. No resolution was provided or ETA for the errors caused by Care Credit to properly fix my account.

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 2015-11-17
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I had lost my job and informed care credit regarding it in a certified letter stating to stop calls. And I would take care of the bill once I got other things caught up. Yet I still get calls from them several times a day from them and any affiliation. I want to file a complaint against them for frequent calling after requesting a cease to it. They call several times a day, including within at least 2 to 3 calls in a few hour period. Also have tried calling my wife to get in touch with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the accounts 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 2016-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion is currently reporting the following inquires on my credit file are over 2 years old. 

all of these inquiries are from XX/XX/2014-XX/XX/2014 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX XXXX 11. XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX via XXXX XXXX XXXX 14. 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 2021-05-17
Company: Advanced Resolution Services Inc.
State: MO
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:
I want to contact someone at your company to let you know that I mailed a letter to XXXX, XXXX XXXX, XXXX, ARS, and XXXX XXXX about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Hello, I had a mortgage with Ocwen from XXXX. I filed bankruptcy in XXXX but reaffirmed the mortgage. I was never more than a week or two late on my payments. Ocwen for some reason, by what seems to be mistake, wrote it off of their books as a Charge Back. I continued making payments on time and then sold my home in XXXX. Now I am trying to buy a new home and am having troubles as they are seeing the charge back which should have never took place. I believe I was unfairly treated so they could write it off on their books.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am having a problem with Transunion. When I checked my credit report in XXXX, there were no inquiries on my report. I just looked over my latest report and found that XXXX inquiries were reinserted into my credit report from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I was never notified of the reinsertion. I called and Transunion says they can not help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  and XXXX  have the same accounts. Why is XXXX  credit reporting different point than XXXX. It is not accurate. XXXX  should be accurate with XXXX. It's the same accounts. Theses disparities must stop. I attempting to remedy this error by filing a complaint. Hopefully XXXX  and XXXX  will be on the same page.

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 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion added previously deleted inquiries from my credit report and a couple of weeks later, those same deleted inquiries were placed back on my file. I spoke with several representatives that advised that they experienced a glitch and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promised.

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 2015-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, I bought a cell phone from XXXX using my capital one XXXX credit card. On XXXX XXXX, I got the XXXX XXXX phone, which is defective. I called XXXX XXXX times from XXXX XXXX to XXXX XXXX to return or exchange the phone, they promised to let me return or exchange the phone but did not give me the XXXX number which is a prerequisite for return or exchange. On the morning of XXXX XXXX I called Capital One to dispute the charge of {$79.00}, and Capital One refunded me the amount. After XXXX XXXX, XXXX sent me another phone which works and I returned to them the XXXX phone. After XXXX XXXX because the phone service on the second phone was cancelled due to the chargeback on the credit card, I called XXXX several times and told them I am happy with the second phone and requested to resume the service. They kept telling me they are not going to resume the phone service on the second phone due to the credit card chargeback. Before XXXX XXXX, their response might be reasonable because of the chargeback. However, things totally changed on XXXX XXXX, when XXXX rebilled my credit card and it showed up on my capital one account. On XXXX XXXX, I called XXXX, requesting to resume the phone service with them since they already rebilled {$79.00} to my credit card on XXXX XXXX. However, XXXX refused to resume the phone service for me. This is unreasonable, if you do not want me to use your service, why you rebill my account. Charging me {$79.00} and refusing to let me use their service is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Santander Consumer USA Holdings Inc.
State: MD
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 HAVE HAD AN ACCOUNT WITH SANTANDER AND PAID IN FULL. The write-off is the only derogatory information and it is FALSE.     After some investigation I found out that the owner of the account had a very bad accident back in the fall.  XXXX  totaled out the account but there was a dispute over the value of the car, the amount of gap insurance, and a deductible. I could not get much more information because IT IS NOT MY ACCOUNT.     I have also reported this to my state 's consumer protection board. This has wiped more than  XXXX  points off my account. IT IS INACCURATE AND fraudulently reported as failure to pay car payments but it is because they did not receive an amount from  XXXX . Santander decided to falsely report it as missing payments instead of taking up a dispute with the borrower, the insurance company, and THEY WO N'T REMOVE THIS DISROGATORY INFORMATION. They never contacted me because it is not my account. I have never lived at  XXXX   XXXX   XXXX  and have not lived in CT for more than 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In a previous dispute, I had included a document from XXXX XXXX where they had asked the four credit bureaus to adjust their records and reporting to reflect what's in the quotes below. So far the XXXX XXXX account has been removed from all four of the reporting agency 's but only on my accounts. The request from XXXX XXXX below states " of XXXX XXXX and XXXX XXXX '' maybe its an oversight but the deletion has yet to happen on my wife 's Transunion and XXXX accounts. 


" we submitted an update to the credit repository agencies with instructions to adjust their records for your credit history as follows : Please delete the account from the credit records of XXXX XXXX and 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 2016-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I check my credit score every day and on XXXX XXXX my credit score was at XXXX, but when I checked it on XXXX XXXX, 2016 my score had fallen to XXXX ( XXXX devastating points ). I contacted Transunion and XXXX and discovered that XXXX ( Student Loan ) reported my XXXX payment as 30 days late although my payment was due on XXXX XXXX, 2016 and I made my payment on XXXX XXXX, 2016, which is only 15 days late. I would like to dispute the 30 day late payment for XXXX 2016. 
I have attached receipts of my on time payments with this letter for the last six months. My next payment is n't due until XXXX XXXX, 2016, so a receipt for that payment is not included. I am preparing to purchase a home for me and my daughters and am devastated by this set back after proudly watching my credit score rise over the last six months. 
Today, XXXX XXXX, 2016 my score rose by XXXX points to a high of XXXX with Transunion. I have no recent late payments and these credit reporting bureaus are playing with my credit score raising and dropping my score as they see fit. I spoke with the credit bureaus and they provide very limited information. I also spoke with XXXX, my student loan provider and they have confirmed that I do n't have any late payments with them. I have gone through my entire credit report and there are no recent missed/late payments that would 've caused my credit score to drop. This situation bothers me even more today than it did on XXXX XXXX, becase my score rose XXXX points today and if if the credit bureaus had not dropped my score on XXXX XXXX I could be well on my way to almost a XXXX credit score. I really need assistance with this because I am making all types of sacrifices to make sure my payments are on time and I am trying to change my life as well as teach my teenage daughters about credit in the process. Please help me with this i beg of you!! 
Also, on my credit report it shows that I did n't pay the full balance to XXXX for a XXXX XXXX account I had. I have attached receipts to show that the account was paid in full. 
Please let me know if you need any additional information to expedite this request.

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 2015-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Your Credit ReportYour credit report contains information from lenders that have extended you credit. This can include your home mortgage loan, department store charge cards, bank charge cards, auto loan, and more. It also includes your payment history and shows when you 've paid on time or been late. Please check your report below and look for accounts you do n't recognize, strange addresses and recent credit inquiries to make sure all information is accurate. If there 's an inaccuracy, look to the Quick Facts section on the right and see how to file a dispute. 

More OptionsHelpUpdate My ReportTerms and Conditions - Privacy Policy - About Us - Contact Us -

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Date of Fraud/Scam : XX/XX/2021. 
Date reported to Capital One Bank : XX/XX/2021. 
Amount I lost from my checking account from the on-line scam : {$1900.00}. 
Amount Capital One reversed charges : {$0.00}. 
Capital One Claim # s : XXXX, XXXX, XXXX, XXXX. 
This is a complaint against Capital One Bank and their non-compliance to my fraud/scam cases. Capital One markets and boasts that customers " will never have to pay for unauthorized charges due to {$0.00} fraud liability with Capital One. '' However, I submitted 4 scam cases and they denied all of them. The reason for the denial was " We finished looking into your claim and didn't find that an error happened. '' I was not claiming an error ; I was claiming that I was de-frauded by an online technical scam into sending money to a fake organization. This was clearly fraud/scam that I reported to the FBI and to the Federal Trade Commission on XX/XX/2021. Capital One acknowledged that I was de-frauded, because they sought to regain the lost money from the recipients ' bank accounts but were unsuccessful. Therefore, I should have been reimbursed by Capital One for the fraud/scam scheme that victimized me if they offer {$0.00} fraud liability as part of their banking policies and practices.

Company response to consumer: Closed with explanation