BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2017-03-15
Company: Stellar Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX has sent a bill that I have disputed as identity theft to another collection agency. I would like XXXX to close the bill out completely as identity theft and quit out sourcing the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
When I purchased the vehicle XX/XX/XXXX I originally financed it through XXXX XXXX. On XX/XX/XXXX, Capital One refinanced the loan and paid off XXXX XXXX. XXXX XXXX immediately sent the Lien Release letter to Capital One as the new security interest holder. Capital One has since sat on the title paperwork, and as of today XX/XX/XXXX still not send the paperwork to the Oregon DMV so the DMV can process my title and send me the registration and plates so I can drive my vehicle without a temporary trip permit. Oregon DMV granted me a 90 day trip permit back on XX/XX/XXXX so that I could drive my vehicle while they awaited the paperwork from Capital One including the Lien Release letter from XXXX. On XX/XX/XXXX I received a letter from the Oregon DMV stating that they were still awaiting the lien release so they could finish processing my title and registration. I immediately contacted Capital One who confirmed they had the lien release from XXXX, and would send the requested copy to the Oregon DMV. On XX/XX/XXXX, I followed up on the status of this request with Capital One, and was told that they had not yet sent the required document to Oregon DMV, but they had just sent the paperwork over to their mail room whom would process and send the paperwork via XXXX and email me a tracking number. As of today, since I had still not seen a tracking number via email, I again called Capital One to follow-up on the status. The representative again told me that it had not yet been sent, but that she showed that it was in the mail room, and confirmed I was still supposed to receive a tracking number once it is sent. I called and spoke to the Oregon DMV asking what I am to do once the current trip permit expires on XX/XX/XXXX since Capital One hasn't yet sent them the lien release, and since due to the COVID backlog, the process could still take a couple months once received, for me to finally get my registration and plates so I can drive without a trip permit. The Oregon DMV stated that they do not provide additional trip permits, and that I need to continue to hassle Capital One to do their job and get them the paperwork that they should have already sent months ago when the lien release was originally received by Capital One from XXXX XXXX. Capital One is now causing me undue hardship and stress in having to take time out of work to call them continuously to make sure they're doing their job. Please help make them do their job and get the paperwork to the Oregon DMV.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: XOOM CORPORATION
State: GA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I transferred XXXX {$200.00} to XXXX on XXXX, XXXX, 2015 using xoom ref # ( XXXX ) The funds was picked up that day in XXXX and They sent me a text message and email message stating that my transaction was completed. Normally when I use their services the take the money out of my account within days if not right away. This time Xoom took one Month to widthdraw the funds by then I had insufficent funds in my account due to their negligence. I did the honest and right thing since my receipient had already got the money and I made arrangements to pay them right away and asked for my insufficient funds fee to be refunded to me since it was their fault. They asked me for proof and I sent proof to them that the money was paid out the moment I sent it alsocopies of my bank statements showing the Charge on their request. Now they have refused to reimburse me stating that they can do a 3 way call with me and the bank and ask my bank to waive the fee which is their administrative error. I respectfully ask you to look into this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They have reported on my credit report XXXX accounts that are still open and not showing paid. One for XXXX XXXX XXXX and the other for XXXX XXXX Bank. XXXX have been paid, XXXX XXXX in XX/XX/XXXX and XXXX XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Santander Consumer USA 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: Account information incorrect

Complaint:
XXXX XXXX agreed to defer 2 payments on my account with them on two separate occasions. Once in XXXX of XXXX and again in XX/XX/XXXX with no negative credit reporting. This I find out is false, they agreed to the deferments both times and fixed their mistakes once. I contacted them today and was told even though they deferred the payments that they were going to report those payments as late due to their processing times of the deferments. This is totally unfair, why bother filing for an deferment of your payments if the company is going to report a payment or payments late anyway? I also sent them a copy of my wife 's Death Certificate to have my account changed from Joint account to individual account as of XX/XX/XXXX, since my wife passed away XX/XX/XXXX, my account still shows joint account which is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed this account on my credit file and was never contacted by the collection agency by phone nor letter. 

I have reached out to the collection agency on XX/XX/2019 and requested verification of debt including original creditor information. I requested information to help me validate the said debt but I never received anything. 

The alleged debt is for the amount of {$390.00}. 

The collection company is also not license to collect in the state of TN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
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: Old information reappears or never goes away

Complaint:
I have a foreclosure from 8 years ago still on my credit report that should have been removed due to the amount of time that has passed. The mortgage loan was through  XXXX   XXXX . The account has been closed for some time now. I would like it off my credit report. I submitted a dispute through   XXXX   to have it removed but they did not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Pinnacle Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I filed a fraud dispute several times with XXXX Credit agency. I called at XXXX XXXX XXXX XXXX 2016, I sent them a police report a dispute letter stating fraud XXXX time in 3 months, I have spoken to them several times about wrong names listed on credit report andd the company Pinnical Credit Services which the fraud dispute was filed. My conversation today was nothing has been filed, disputed and names had to be disputed once again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has a loan listed on my credit reports with XXXX and Transunion ( and possibly XXXX ), but I never took out this loan. I spoke with a call center rep on XX/XX/22, and she confirmed I do not have an account. This loan should be removed from my credit reports.

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 2022-05-19
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In response to many complaints that I have submitted against Discover. My name is XXXX XXXX, a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. 

This is a follow up to cfpb complaint # XXXX XXXX of the XXXX Office of XXXX XXXX stated After further review, we maintain that we are accurately reporting the past due history for your account to the credit bureau reporting agencies, and are unable to honor your request to remove or alter the credit history previously reported. Due to your continued dispute, we will report the account to the credit bureau reporting agencies as disputed until you advise Discover to remove the dispute status. 

Discover told me that they couldnt remove the late payments because it was accurate. I I am aware nothing under the FCRA REQUIRES a creditor to report negative information. That late payment is being furnished without my lawful authority and is a violation of 15 USC 1681s-2 ( 7 ) ( E ).

The creditor knowingly reporting inaccurate information to a consumer reporting agency is in violation of 15 USC 6821 ( A ) ( 2 ) and that leads to jail.

Also, how can I be late when a finance charge was involved? So am I late paying myself back?

Clarify this billing error!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Pinnacle Credit Services, LLC
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
PINNACLE CREDIT SERVICES, This collection company contacted me and reported to the credit reporting agencies without a collection License in the State of XXXX?? I Got on the state of XXXX web siteand they were not licensed in XXXX. Therefor I contacted the state of XXXX. I want all collections from this company removed off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Acct. # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2016-02-23
Company: FIRST HORIZON BANK
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
First Tennessee Bank denied my application for a checking account based on " knowledge Based Authentication '' method that they use. The only problem is that I am 100 % sure that I answered each of the answers correctly. I knew the answer to each question and also verified each answer with the records that I have. So either they are using incorrect sources for this information or there are other issues with their application system which are XXXX troublesome.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Kohl 's Department store calling me at all hours of day and night with robo calls. When blocked or reported, they use a new number. They don't stop even when I called them and told them of the situation. They are relentless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Progressive Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THEY CALL MY CELL PHONE FOR MY EX HUSBAND A MINIMUM OF XXXX TIMES A DAY STARTING AT XXXX. THEY FILL UP MY VOICEMAIL WITH RECORDED MESSAGE. THIS IS NOT MY DEBT THIS IS NOT MY HUSBANDS PHONE NUMBER IT IS MY WORK CELL PHONE. I DO N'T KNOW HOW THEY GOT IT! I HAVE TOLD THEM TO STOP THEY HAVE THE WRONG NUMBER YET THEY CONTINUE EVER DAY TO CALL OVER AND OVER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: MST Financial Services, L.L.C.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I will get anywhere from one to 30 calls a day from chapman financial. I have told them not to call during work hours and I will still get calls during business. They have called as early as XXXX and as late as XXXX. I have also missed their calls only to have between 3 and ten calls in less than 5 minutes from the same number with no voicemail. I have explained my situation of paying 2000 in bills a month but make XXXX, and have to have gas and food with nothing left to pay 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 explanation
Consumer complaint received 2022-05-19
Company: Selene Holdings LLC
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Fraudulent company attempting to claim illegal rights to property. 
SELENE FINANCE LP has reported to XXXX by illegal reaging and flagged account as Loan Modification on XXXX XXXX, XXXX.by reporting personal credit report debt resolved in bankruptcy.in XXXX. Refuse to respond to multiple XXXX, XXXX  or validation as required by lending laws. Harassing neighbors at personal resident and illegal entry personal property. Failing to obey U.S fair credit laws with illegal credit reporting, aggressive & illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Guild Mortgage Company LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
The complaint is against XXXX XXXX of Guild Mortgage in XXXX, NV. Her XX/XX/XXXX number is XXXX. She is advertising on XXXX that she will give consumers who apply for a mortgage with her on XXXX/XXXX/2017 and close in 2017 a {$1000.00} furniture gift card. It is so unfair for a consumer to be enticed like this, and it 's likely it would result in a higher interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

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 2022-05-19
Company: OKCoin USA Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I open an account with the company call okcoin and I follow all the instructions from entering all the information required, even my debit card number from my personal account and the other one from my business account. I transfer the money to there platform without investing in any cryptocurrency or stock first transfer total amount of XXXX $ is on XXXX XXXX and the second transfer is on XX/XX/XXXX XXXX total amount of XXXX $ and third transfer is on XXXX XXXX total amount of XXXX $ XXXX transfer is on XXXX XXXX total amount of XXXX $ that is total transfer of XXXX just for your information i didn't invest in any stock that was just transfer to okcoin account and when I don't wan na hold the money in there account they return me only XXXX $ and XXXX $ total of XXXX $ in the end they scam me on XXXX $ after that they do unauthorized charge from my business account of XXXX $ I file it as fraud true my XXXX bank my bank did there investigation and they reverse me the money to my account as fraud now XXXX send me to the collection XXXX XXXX XXXX saying that i have to pay XXXX dollar i do have all the proof and all the transaction from my personal account and from my business account. all the proof and the the reversal money that my bank clam it as fraud is in the document joint plz help me with this situation. i was planning to buy a house next year now this company scam me and ruin my credit report by sending me to the collection

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: Pinnacle Credit Services, LLC
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against Pinnacle Credit Services. 

Pinnacle Credit Services has failed to respond to any of my dispute or debt validation letters. I have contacted them numerous times ; they are never able to provide me with any info concerning my account. I have also contacted XXXX XXXX, the Chief Operator at ( XXXX ) XXXX. XXXX XXXX never answers, also does n't respond to voicemails, most of the time his mailbox is full. My most recent debt validation attempt was on XXXX XXXX ( sent via third party agency XXXX ). As of today XXXX XXXX they have failed to respond. When contacting Pinnacle, I am always transferred to a third party agency ( XXXX XXXX XXXX XXXX XXXX ), and never acknowledged directly by them, they are very rude, and always transfer me before I can even inquire about my account. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Pinnacle Credit Services to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation