BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called in XX/XX/XXXX about this debt amount, was given a payoff amount of 282.00. One payment in XX/XX/XXXX and XX/XX/XXXX, they did get XX/XX/XXXX but debit the wrong date for the XX/XX/XXXXand then reported it on my credit report. I would like it to be taken off because it is erroneous. I did not know nor was I told that if they do n't get this payment they would report it to my credit report. I was given no time to respond to the debit the tried to take in XXXX they just immediately stuck on my report. No calls about the debit nor letters as to date I had to call them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital one never reached out for verification or did an investigation. Capital one said we can see no evidence of fraud on this account and we are not talking any action at this time. So we closed this case and arent doing any more research.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2022-10-07
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: Account information incorrect

Complaint:
The credit bureaus stated my account was properly investigated not once but three different times but how is this possible if there is inaccurate information across the bureaus, high balance reporting wrong, date opened wrong still showing credit limits on closed accounts, ect. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A section 2 states a consumer agency can not furnish a account without written instructions

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 2022-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is a request to remove unauthorized hard inquiries from my credit report. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I'm filling a complaint against U.S bank for causing errors to my account and leaving my account in the negative for not filling my disputes correctly and using a excuse they need extra information when in effect I gave them all the correct information to put in the system but they refuse to take down the information I give them and put it in the system probably the most terrible customer service I have come across in my life with that being said I would like a full credit back into my account of {$67.00} due to lack of customer service skills and errors of U.S bank

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 2017-07-24
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Try to get a lower monthly payment but keep getting denied and know getting calls from different companies who tried to offer me some deals. I really upset that getting harassment calls from company that I never request. I want this to stop and the debt to be removed now, I can afford to paid the student loan, I am repaying a IRS and I am XXXX with fix incomes. Please make sure that all this calls stop and the harassment at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Due to customer service and other financial consumer reasons I chose to move my service from XXXX to XXXX back in XX/XX/XXXX. I always paid my bills on time every month when I was at XXXX. I called XXXX to notify them that I was switching my service and that I would continue to pay my account monthly. This was back in XXXX of XXXX. Below is a list of payment I made to XXXX per normal bill paying and arrangements. I will include these paid charges in the upload process filed as part of this complaint. Billing History XX/XX/XXXX - XXXX PAID **Service Canceled** XX/XX/XXXX- Canceled Service With XXXX - No user related monthly charges. XX/XX/XXXX - Final bill from XXXX for billing period XX/XX/XXXX-XX/XX/XXXX - Received Final Bill from XXXX for {$930.00} for equipment charges. XX/XX/XXXX - Paid {$200.00} which reduced balance to {$730.00} XX/XX/XXXX - Paid {$730.00} which was the full payment required to payoff balance. On XX/XX/XXXX - XXXX XXXX ( Collection Agency for XXXX ) - Reported me late to all three credit reporting agencies ( XXXX, XXXX, XXXX ) for owning {$930.00} to XXXX. - Reported again XX/XX/XXXX with paid in full. - Re-Reported XX/XX/XXXX - Report is inaccurate ( not sure why ) When this was first listed on my credit file for the very first time ( WHEN IT SHOWED UP ON MY CREDIT FILE ) was on XX/XX/XXXX for owing XXXX. I made payments from XX/XX/XXXX - XXXX of XXXX. The amount was paid in FULL before Convergent reported it or first showed up on my credit reports. Frequent requests to get this removed from my credit file have been unanswered or denied. This is a clear violation. I was making payments and this was paid. XXXX/Convergent refused to remove.

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 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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  and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed 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 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Today, XX/XX/2020, I got an alert email from TransUnion that my credit score had dropped. Upon viewing I immediately noticed that TransUnion all of a sudden listed more hard unauthorized inquiries on my credit file that was not there a few days ago. When I looked at each inquiry I noticed that they are from XXXX months ago but for some odd reason TransUnion suddenly decided to add them to my credit file today. I have a copy of my TransUnion credit file on XX/XX/2020 and for showing the inquiries that was just added today. I find this very unusual behavior on TransUnion to add inquiries that are from XXXX months ago. I don't know what kind of deception they are trying to get away with but these inquiries are unauthorized.TransUnion is very deceptive in the way they process inquiries, allowing the perpetrator that applied for credit with my personal information to slip away when TransUnion takes months to add the inquires to my credit file. I have included an updated copy of my Identity Theft Report along with this complaint.

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 2022-08-15
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, DISCOVER BANK failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
DISCOVER BANK Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
DISCOVER BANK Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I obtained conditional loan approval on XX/XX/XXXX for a {$690000.00} mortgage to purchase a coop apartment at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX, NY from Bank of America. I received a clear to close from the coop, sellers, and all attorneys on XX/XX/XXXX. Bank of America has still not given me the clear to close and my rate lock expires on XX/XX/XXXX and they have asked to run my credit report again because it expired. They have provided no clear answers as to what is holding them up and no timeline as to when I will be able to close. My attorney and myself have been emailing them everyday and are getting strung along with no answer. All parties are beyond frustrated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I, XXXX XXXX, am of sound mind and body and is submitting this complaint on my own with no third party involved. 


Article 1, section 1 of The US Constitution granted Congress and the legislative branch the authority to create laws that protects the rights of the people granted by the Constitution. When these laws are broken, this is an infringement on such rights. Transunion has infringe on my following rights guaranteed under and/or supported by the US Constitution : Fair Credit Reporting Act- Congress enacted this law ensure fair and accurate credit reporting. Congress states inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I would have to agree because Transunion has undermines my confidence in the banking with your unfair and inaccurate reporting on my consumer report. In addition, Congress states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been gravely violated by Transunion. Furthermore, under 1681b ( a ) -2 of this law, a consumer reporting can furnish a consumer report with the written instructions of the consumer. I have instructed Transunion on numerous occasions to make changes to my consumer report. I am now aware Transunion is not only breaking the law but your actions are unconstitutional. I am hereby instructing Transunion to make the following changes on my consumer report immediately : Delete the following accounts : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Delete the following inquiries : XXXX. XXXX XXXXXXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Delete the following addresses : XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX Experians full compliance of the law is expected in the matter, 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 2020-04-21
Company: Paramount GR Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
The company requires a customer to consent to sharing information outside of that info sharing required to process the loan on a form that specifies that consent is not required to process to loan. They do not offer an option to opt out you must consent to share then revoke that consent later. 

Excerpts from email exchange. 

I was informed you were curious why the consumer has to sign the privacy policy page on the loan agreement. This is a standard for all loans, giving the lender permission to mainly service the loan. The consumer is required to acknowledge receipt of the policy and therefore needs to sign it. Loanpal needs to be able to service the loan and that requires sharing information to the servicing/ billing department or to the credit bureaus. If the consumer wants to opt out of sharing that is not required to service the loan, we can send that request to our back office for them to opt out. We are not able to change the contract the consumer is signing and they need to sign and acknowledge receipt for us to move forward with financing. Feel free to call with any other questions, # XXXX. 

This reply is again full of shady double speak.. 

" giving the lender permission to mainly service the loan '' note the " mainly '' acknowledging that more than just permission to service is being requested and required. 

" Loanpal needs to be able to service the loan and that requires sharing information to the servicing/ billing department or to the credit bureaus '' not denied but more than that is given in consent in this form. '' " If the consumer wants to opt out of sharing that is not required to service the loan, we can send that request to our back office for them to opt out. We are not able to change the contract the consumer is signing and they need to sign and acknowledge receipt for us to move forward with financing '' Acknowledging that I am being required to opt in first to more than is required by just servicing. Also acknowledging that they are requiring a customer to opt in to more than required sharing in order to do business contradictory to what is said in the form itself and in my opinion not legal. 

I have already filled complaints against this company for deceptive privacy practices. They could easily add that signature as optional signature to process or an opt out of all non essential for servicing sharing into the contract. 

Let me know if they change the form or provide an opt out initially.

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: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I got a loan from Cash Call for {$2500.00} - a year later, I 've paid it back and more. I finally was able to pay off said loan so I logged into my account, noted the payoff amount and mailed a check. ( They do not make it easy to pay online. ( ie need to make mult payments to pay full amount - plus fees for each payment ) I mailed a check - now they say that 's NOT the payoff amount because they got check 2 days later. And they want more money! 
I will NEVER again do business with Cash Call and DO NOT recommend them. They are PREADATORY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2017-07-24
Company: Ocwen Financial Corporation
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: Account information incorrect

Complaint:
I had residential mortgage loan with Ocwen Loan Servicing, LLC, Loan No. XXXX. The Loan has been paid off as of XXXX 2016. All payments on the loan were made by automatic electronic payment system through my bank. No payments were ever late. However, in XXXX 2016, for unknown reason, Ocwen returned one payment, even though it was the same as every prior payment on the loan. Ocwen then started charging late fees, and applying subsequent payments to that payment. Upon learning such and speaking to Ocwen representative, I made double payment. I also spoke to supervisor and upon sending in the bank record showing EVERY payment from my bank, the representative approved removing late charges. Ocwen, however, continues to list late payments on my credit report. It is adversely impacting my credit, and I am in process of applying for new loan. I spoke with Ocwen customer service 2 weeks ago and was told they would respond in 10 days. No response has been forthcoming. I sent urgent email last week. After years of similar payments by my bank, Ocwen acted capriciously in rejecting my timely payment. Ocwen once did acknowledge the error and removed the late charges. Ocwen, however, is not correcting the credit reporting on their error, and it is adversely impacting the credit of my reports ( XXXX XXXX XXXX ) and my wife 's reports ( XXXX XXXX XXXX ). Ocwen needs to remove adverse reporting on my credit on on my wife 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
ALLY FINANCIAL You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer 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