BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Dear Sir/Madam, Someone on my behalf send inquires to open credit cards, and even opened some credit cards, thus I would like to remove them from my credit history. Such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I'm not sure if this can really be under this category. But I STRONGLY believe that those who have loans from CAPITALONE BANK and are affect by the COVID-19 virus, in terms of financially, are not able to receive any aid from the bank. Capital One continuously claim on their websites that they are trying to aid people that are affected, but when customers are trying to access whatever kind of aid this is ( They never specified what type of aid will be distributed to their consumers ), they are told to call the company. The company then prompts us consumers to use their online sources that are 'available ' to aid us. When we arrive there, nothing is there to actually help us. For instance, I have an auto loan tied with Capital One. Due to the virus, i'm unable to work. As seen from other banks, they are giving their members benefits such as free months until the end of the summer or something of the sort. Capital One states that the are there to help when in actuality they are not providing us any tools or methods to help aid us through these troubling times. Not only is there a virus going on, but I am going to be in debt because of this company. There is no sympathy being provided nor is there any type of relief. In conclusion, Capital One fails to aid their members at desperate times such as the one we are currently in. They are lying to our faces, saying that they will aid but are not providing any. I'm infuriated, I have to worry about more important things such as the health of my family. Not about this bank, who should be there for their members. Completely unfair and definitely puts them behind their competition on this one. No loyalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly that this account has a balance {$22000.00}. Equifax reports incorrectly that this is an XXXX account. Equifax reports incorrectly this account 's Date of First Delinquency. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
On XX/XX/XXXX we apply to Keep Your Home California for a Reduction of Principal Balance of my mortgage. We got approved on XX/XX/XXXX for a Reduction of or voucher of {$75000.00} towards the Principal Balance of my Loan with Seterus Mortgage. Seterus Mortgage received the amount of {$75000.00} from Keep Your Home California Relief Program, around XX/XX/XXXX or XX/XX/XXXX, since then we have encounter a delay from SETERUS to apply to amount to make the modification or our Loan with them, we called them and ask them and they have a very unprepared employees working for them they do n't know how to help us to resolve what is happening with the money that they get from the State to help us out, but they assure us that the money is there is just waiting to be allocated in the Loan. In the meanwhile calls and calls from the Collection Department to collect the money that they not even know why we own the money to them. It has been a very hard process for us because the suppose to send us the package that we need to sign and they forgot to send it to us at the end. And this happened a couple of times already and still they do n't have the Loan fix yet. The {$75000.00} is still in their position waiting for them to work and apply it to our Loan. We are very stress out with this, they had lost our paperwork a couple of times as well. We do n't know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All XXXX credit bureaus show incorrect reporting of XXXX school loan debt. I resolved the issue with this debt holder. Originally I was not aware of the debt and never paid it. However the holder realized I 'd not been fully informed and also realized under the student loans, I have discretionary forbearance of several months that I had not used, so they simply retroactively conveyed the forbearance and cleared up all past due issues, including any credit reporting claims. I spoke with them again and they ensured they will clear up on their end. I write this complain to ensure this process of clearing any false negative reporting on all XXXX is conclusively reversed and removed regarding all student loan and/or XXXX debt or any debt for that matter, as I 'm current on any and all debts. Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
In XXXX of 2014 I purchased a used vehicle from XXXX XXXX here in XXXX and was promised verbally that they would take care of the issues I brought to their attention before I signed for the vehicle, they never took care of the items which totaled in excess of XXXX. I stopped payment on my check in lieu of the repairs not being done and discussed this with the sales manager. I havent heard anything more of this until know and I asked for validation and informed them I disputed this and never was contacted again until now where the collection agency is making threats against me ( i.e., lawsuit, additional costs ) This is blatant misrepresentation under the FDCPA and needs to be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To Whom it May Concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX XXXX Case number : XXXX Related Case Number : XXXX xx XXXX xx XXXX Original Creditor xx XXXX XXXX Original Creditor XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX xx XXXX Original Creditor equifax Case number : XXXX Related Case Number : XXXX Case number : XXXX Related Case Number : XXXX XXXX Original Creditor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2016 Equifax XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern : In accordance with Federal Civil Rights Law, demonstrate that the following material appears correctly on my credit reports. Request ample documentation, ( including but not limited to : date account opened, date closed, full accounting of account, address where bills were mailed to ) from this alleged creditor. If these items appear in error, I have a cause for action because my rights may have been abrogated and violated in that case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Acct # XXXX & Acct # XXXX ) Your quick response and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX ***********

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or about XXXX XXXX, 2015 I made my monthly payment of {$2000.00} to my mortgage servicer Seterus XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Ph. # XXXX. On a separate check for {$11000.00} I attempted to make a principal prepayment, clearly writing PRINCIPAL PAYMENT on the check. On XXXX XXXX, Seterus applied this as XXXX regular payments with only {$6900.00} going to principal. I have called and spoken with Seterus on XXXX, XXXX and XXXX or XXXX other times and received promises to correct this but the situation remains unresolved at XXXX. This is malfeasance and possibly predatory lending practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: Seterus, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our loan was sold by XXXX XXXX XXXX to Seterus. We were not notified. We called because there was no loan statement sent. XXXX XXXX XXXX advised us of the change, and when we did hear from Seretus, they assured us were not late. My wife called them to confirm. Less than two weeks later, on a Sunday, we receive a FedEx package advising us we are in default and threatening foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: EQUIFAX, INC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am currently XXXX of age and took out my first student loan when I was XXXX XXXX XXXX. I had some financial struggles as most people do and got behind. I rehabilitated and got back on my feet, then got XXXX and have been ill on and off. I am currently back in school again attempting to complete my XXXX XXXX. Over the past almost 30 years my student loans have been bought and sold numerous times. I have seen my amount owed increase drastically. There are a few errors on my credit with all XXXX credit agencies showing I owe a larger balance than I do. Also, there are duplications of the same amount and then some on my credit reports. I currently have my deferred student loan with Dept of Ed/XXXX. I still show my balance increasing and then a different loan amount added to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been working tirelessly on repairing my credit history independently and with a reputable credit repair company over the past year. Recently I was to the point where all of the inquiries that were reflected on my Transunion credit report was deleted. When I reviewed my report all on Monday all the inquiries returned out of no where. I tried contacting the credit bureau and had to wait on hold for over an hour and 30 minutes. I have yet to get through to someone to resolve this issue. Due to my work I can not stay on the phone for long periods of time. I have also put this inquiry in writing to them. I was never advised in writing via email or snail mail that these inquiries would reappear and from what I have learned this is in violation of the FCRA SEC 611rules. I would like to this matter looked into from all venues until it is resolved.

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 2016-09-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I apply for an American Express Platinum card XX/XX/XXXX, the open bonus is XXXX MR bonus points with XXXX purchase in the first 3 months. I fulfill the requirement and get the bonus more than 2 months ago. But just 3 days ago, The American Express take the XXXX points off my account, which is not reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I began getting Robocalls on my cellphone XXXX in XXXX averaging 7 to 10 calls per week stating they were calling about a claim number. These calls appeared to be spam so I began to block them.Then thye began calling the main line of my company XXXX and would speak to staff asking for me and telling them this was related to a legal matter and it was very important that they speak with me. I contacted them to see what the call was about and explained to them that I did not have the debt, nor an account with the bank they claimed. I immediately check checked all XXXX credit reporting agencies to see if this account was on my report or if a credit pull for that bank was on my report as a hard or soft inquiry. It was not listed. They asked me for my address and other information and I refused to give this to them because that is not my bank. I asked them when did I write this check that hey say I owe. The said they would send me proof if I would confirm my SS # and give them my current address to send the proof too. I refused and I told them to stop calling me. After that they began calling my mother at work and on her cell phone XXXX with the robocaller and the live person. She has told them to stop the continue. They are calling my Aunt XXXX and now they are calling my children on their cellphones with robocallers. XXXX, XXXX, XXXX. This is certainly a violation of TCPA which provides wide protection against robocalls, calls using automatic dialers, and automated messages. For the most part, the TCPA states If a debt collector makes impermissible robocalls to a consumer 's cell phone, the debt collector is liable for {$500.00} per call. If it can be proven that the calls are willful, the damages are {$1500.00} per call. I will be asking for them to pay for this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is that this company knowingly continues to provide unfavorable and harsh collection/reporting of my account to the consumer and XXXX major credit bureaus ( XXXX and XXXX Credit Reporting Agencies ) ; therefore, they are continuously violating both the Fair Debt Collection Practices Act ( FDCPA ) and The Fair Credit Reporting by misrepresenting the ( 1 ) amounts owed, ( 2 ) payment made ( 3 ) terms of account ( 4 ) fees ; thus, knowingly and purposefully reporting and providing XXXX incomplete, inaccurate, unreliable and missing information XXXX obsolete and outdated information that should no longer appear XXXX information that possibly reveal medical information XXXX incorrect notation in listing account as open when they are closed or accounts that a do not indicate " closed by me and not the creditors '' XXXX incorrect payment status XXXX more than XXXX delinquent date XXXX wrong notation for closed accounts XXXX failure to correct misrepresentation and accounts that have been remedied XXXX refused to investigate the disputes before continuing to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: ENCORE CAPITAL GROUP INC.
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Midland Credit Management ( MCM ) had continued to contact me early in the morning even after multiple times telling them that I work third shift and not to call me at those hours. Agents use fake names, always calling from XXXX such as " XXXX XXXX '' and " XXXX XXXX '', typically releasing sensitive information without verifying identity first.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed the information on my report on several occasions. In XXXX, I filed a Chapter XXXX bankruptcy that was dismissed in XXXX. Some of my old student loans were included in that Chapter XXXX bankruptcy petition that was dismissed by the courts. Currently these loans are still listed on my credit file as adverse information that is still in bankruptcy and that is incorrect. As of XXXX, all of my student loans were consolidated with FED LOANS. I 've disputed this information several times with Experian as well as the other XXXX credit bureaus. Experian refuses to change the status of these student loans and continue to let these loans reflect as negative information when in fact they are not negative. These loans have always been deferred and have never received a late payment or been in default. Experian claims they are investigating these items, but it 's not possible for these items to be investigating these items and they continually are reporting these items inaccurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
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: Personal information incorrect

Complaint:
I recently pull my credit report from all three bureaus and notice names, and addresses not associated with me nor never have been reporting on my report. I never use any other name but the name on my ID as well as any other addresses besides the XXXX on my ID.

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 2016-05-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Santander Bank, XXXX XXXX XXXX and XXXX failed to do their do diligence, by not calling XXXX bank to properly route funds to XXXX account. This event happened on XXXX/XXXX/2016 at XXXX at the XXXX branch. Ask for a Manager, their was none present. Then had to go to XXXX to cash XXXX bank settlement check.

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
Consumer complaint received 2016-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief