BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-11
Company: Factor Trust
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Factor Trust Credit Report Agency, XXXX XXXX, XXXX, GA XXXX, had release FALSE information to XXXX potential lenders companies ; consequently, my application for a loan were denied. Factor Trust stated I am employed by XXXX, unknown to me. Also, Factor Trust released FALSE information obtained from XXXX which contains FALSE information including address and phone numbers, and information that are more than 7 years old and not longer are required to be released to others because of the Statue of Limitations. I have faxed all these FALSE information directly to Factor Trust for a prompt remedy since Factor Trust had injured my rights to obtain credit. Other False information released by Factor Trust is from XXXX XXXX XXXX XXXX which are inaccurate. As long Factor Trust continues releasing FAlse information regarding my credit, I believe, FIRMLY, that Factor Trust SHOULD NOT be permitted to conduct this type of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep getting cala from this Penn Credit debt collectors. They first called my husband. While he did not give them my info, they found me eventually. Whenever they call, they either hang up or when they do not, they INSIST on asking me for personal information before proceeding. I have not given any info ( since they ask for address and the like ). The worst is that while the agent on the other end does give a name ( the one that called me today around XXXX was called XXXX ), they just say it is a personal matter and I can not say anything more until you verify your address. The thing is that if Mr. XXXX was an actual debt collector hed be telling me first that this call is an attempt to collect a debt, and any information gathered today will be used for the sole purpose of collecting said debt. However, he does not give said disclaimer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Today is XX/XX/XXXX for the record, and On XX/XX/XXXX Equifax received my dispute for an error on my credit report. I had already tried disputing this item 2 or 3 times in the past year or so before that and they insisted the information was accurate. This time i have not received any updates or information and when i check the website it is still listed as pending investigation, with an estimated completion date of XX/XX/XXXX. It has been almost AN ENTIRE YEAR. This account in error is one that isn't even mine, it is my mom 's who shares the same name as me and attended the same doctor 's office. The files obviously got mixed up, as at the time i was on state govenrment health insurance and would have not had any out of pocket medical bills. The collection company sent us a an overview of the testing that was billed, and they were all tests run quarterly for my mother 's health conditions. However i have not received any communication from Equifax. The result of the pending investigation is that my credit report is no longer accurate, it reflects higher balances on loans and cards that i have been paying for 10 MONTHS, as well as damaging my credit score i have worked so hard to build. This is completely irresponsible and reprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To to Whom it may concern, I had a capital one spark business account opened since XXXX. I have never been late or defaulted. After a recent payment of paying the balance in full I noticed this card was closed with no notification!! I went to make a purchase on my card and noticed it was a restriction on the card and that I could not use it. 
After I called capital one centers and was told by the representative/ manager ( XXXX ID # XXXX ) that the card was closed because capital one said that I fail to verify myself with my TDL and SSN. Customer service agent said a letter and email was sent to me in XXXX of XXXX that I never received! 
I did verify my email and mailing address that was on file and it was correct but I don't understand why I didn't receive email nor letter. I pride myself on this account never being late or bad pay history. I am very upset and this is very hurtful from a credit prescriptive because my score that I worked hard for fell more than 70 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I originally contacted the debt collection company XXXX in order to reach a resolution on an account that had been purchased by their company. They stated that the debt was not available and that I should call back. I called back and was transferred to a representative that stated my balance as being {$480.00} on an account that was charged off by the creditor at {$190.00}. I offered a settlement of {$250.00}, more than a 50 % settlement. They denied my offer and I stated that I will continue to offer the settlement in hopes that we could eventually resolve this account. I have continued to receive phone calls everyday for about 3 weeks to which I always make a point to answer and reiterate my settlement offer. On XX/XX/XXXX I spoke to a representative for an hour in hopes of reaching an agreement. He offered me {$290.00} and told me that if I did not pay that amount that they will continue to collect and that it would result in me paying the {$480.00} in full. Upon this information I requested written correspondence of the debt. He stated that the document had already been mailed, I asked him where it was mailed as I had not received it and he gave me an address that is not correct for me. I asked him to resend the letter, he refused to do so stating that it would take 7-10 days and that this account does not have the time to wait for the letter to be sent. I continued to request the letter and he continued to refuse to send it stating over and over that this account has been in the office for a month, which is untrue, and that getting the letter would do nothing. This is a violation of my rights as a consumer according to the FDCPA. The collector used untrue statements, harassment tactics, and clearly disregarded to the FDCPA when it was brought to his attention. As a company with previous class action lawsuits regarding similar incidents this clearly falls in line with previous rulings of illegal debt collection practices.

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 2016-12-17
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX I first contacted LoanCareXXXX to request that they take the funds from my escrow account and pay the property taxes in the amount of {$3200.00} immediately. We were in the process of refinancing our mortgage and needed proof that the taxes had been paid. I was told to submit a written request and also to fax the request to their tax department. After hearing nothing for over a week - I called and spoke to a " customer service '' representative who told me to submit everything again since the first contact I had with this company had given me incorrect fax number. I repeated the process on XXXX/XXXX/16. That same day I received a computer generated reply that assigned me a ticket number and which said I should wait five days for a thorough review and research of my inquiry. Again, I heard NOTHING so I called LoanCare and was told on XXXX XXXX, 2016 that a check # XXXX had been sent to XXXX County Tax Department on XXXX XXXX, 2016. After checking both online and by phone I learned that the check had never been received. That same day I sent another written request to LoanCare asking what had happened to the payment. I also called, but no one was able to offer me any explanation. I was told to wait a few days for the tax department to process my payment. On XXXX XXXX - over a month after I started this process - taxes still UNPAID! Ironically, I mailed the XXXX County tax department a check for taxes due on another property we own on XXXX XXXX, 2016 and my personal payment was already posted on XXXX XXXX. I again wrote to LoanCare and requested that someone contact me by the end of business day and told them if I heard nothing I would attempt to file a complaint. Obviously - this matter has yet to be resolved and no one bothered to contact me. I am aware that mortgage lenders keep escrow funds and earn interest on them and wait to the penalty date before paying property taxes. In a situation like this - after numerous requests and dubious information - I am asking for help to resolve this matter. I have found LoanCare to be completely uncooperative and I am extremely relieved to be done with them as my mortgage holder. Our refinance was completed XXXX XXXX, but I still need to resolve WHERE my {$3200.00} escrow money is. On LoanCare 's website it shows that it was removed from my escrow account leaving a balance in the account of {$590.00}. That is what the new mortgage lender also stated and I was told that this money would be mailed to me. Thank you for any help you can provide resolving this matter. XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have submitted my XXXX I 'd number and group number to XXXX hospital about my charges while I was in hospital. Plz dispute this owe debt on my credit score .thx

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX/XXXX  XXXX {$5100.00} XXXX/XXXX  XXXX {$2300.00} XXXX/XXXX  XXXX {$320.00} XXXX XXXX {$18000.00} XXXX/XXXX XXXX XXXX {$3000.00} XXXX  XXXX {$0.00}

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 2021-09-29
Company: Experian Information Solutions 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:
XXXX XXXX has inaccurately reporting late payments on my credit file and these late payments are causing me undue hardship because they are inaccurate. I attempted to contact the company several times and they have an answering service with individuals from overseas who are extremely rude, lack knowledge of company policies or how to remove this inaccurate information off my account. This company continues to report late payments on my Experian credit report to no avail illegally, I have never missed a payment with this company. I setup this account with my monies as a secured credit card but now because of their inaccurate reporting they are causing my credit report to suffer more damage then they are assisting me. I would like them to immediately cease and desist reporting this false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: Sensible Auto Lending, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
i was the co-buyer to this car loan in XX/XX/XXXX to it was repossessed later that year to the buyer being incarcerated since then this repossessed car has been holding me back from furthering my credit and harder for me to get a car. my XXXX XXXX  account says it was closed on XX/XX/XXXX. i just want this off my credit so i can than better me and my family and get a decent family car

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently pulled my credit report and found that Jefferson Capital is still reporting on the credit bureaus a debt that was sold to another collection agency and was paid in full to the other collection agency. I contacted Jefferson Capital to advise them that they can no longer report on a debt they are not collecting. They sold my debt to XXXX XXXX XXXX XXXX in XXXX of 2015 yet are still reporting it. The debt was paid in full to XXXX XXXX XXXX and Jefferson Capital is unlawfully reporting it to the credit bureaus despite my request for them to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, 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 worn-out of sending dispute letters to Equifax requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2023 and to notify them that I am halfway of taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
on XX/XX/XXXX I sent in a dispute requesting that they delete the public record due to incorrect reporting between the credit bureaus. I sent in proof and ask for an immediate deletion. Results came back and nothing was changed. This inaccurate reporting is wrong and goes against the law. I also have two credit reporting incorrectly XXXX  XXXX bank. Attached is the information that is reporting incorrectly. Please help me remove this inaccurate information. Thank you.

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 2015-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My insurance company XXXX sent me a payment for {$450.00} on XXXX XXXX, 2015 through Bank of America 's Mobile Transfer service. Bank of America sent me a text message the same day saying they had received the payment and would credit my account. They still have n't done that. When I called them, they said they have no record of the transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Unifin Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received three mailings in the past 45 days for debts in 3 different individuals names that do NOT live at my address. I still have two of them. I threw the other one out. The two I have now have other people 's names on them that I do NOT know. They do NOT live here. I have lived here for 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hello I have one credit card left on my account that I have been trying to dispute for almost two years. I had total of 3 credit cards, now I just have one because I paid off the other two. again I was trying to dispute it but the capitol one company have been giving me hard time.the account is close and send to debt collection. Again I paid the other two and I told them between the two cards I gave you guys XXXX is it something that can be done with the last card. I paid the other two XX/XX/XXXX  and XX/XX/. This last card is XXXX balance on it the last payment I made on it wasXX/XX/XXXX. The account status is closed, and Its charged off as bad debt canceled by credit grantor. They have no information of me. They been hounding me for the money ever since and its affecting my credit score drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We purchased our home in XX/XX/XXXX, for {$380000.00}, and it closed at short sale XX/XX/XXXX for {$250000.00}. To satisfy the deficiency and close out any chance of future claims against the deficiency amount, we even paid {$2000.00} to BofA at closing. Our mortgage loan # 's were XXXX ( XXXX & larger loan owned by XXXX ) & XXXX ( second smaller loan owned by Bank of America. 
Industry FRAUD was the reason why our home lost market value. We were enrolled in MHA program, which principal reductions were part of program, and we were NEVER offered this option. Short sale was the result of FRAUD and no support of XXXX thru MHA. 

For the XXXX which our loans were a part of, was XXXX involved as the ratings agency? See DOJ press release thru this link : 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 2016-12-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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
Consumer complaint received 2021-09-29
Company: JPMORGAN CHASE & CO.
State: IL
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:
You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To XXXX, Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

Company response to consumer: Closed with explanation