BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-19
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
I have been notify that my account for so over has been close due to not been able to identify me so I called back and complain due to this is been me so they ask me to send in a verification form with notary sign so I did I upload this forms and they called me saying I didnt upload them then I called back I upload them about 100 times and they still saying I didnt even weeks later. I fax my paper work in and discover keeps saying I didnt do this so I mail them in and they keep going in circles I did everything thats possible to make this proof go in. It they keep ignoring me I call 100 times and they keep saying a manager will call u but never get a call back. They also reports a wrong address to my credit report which they are messing with my identity someone that works for them ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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

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 2015-05-09
Company: LOBEL FINANCIAL CORPORATION
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX 2012 I bought a Jeep that was financed by a jacked up company called Lobel Financial. I started having problems with them right out of the gate, way before the first payment was ever due. They jacked up my payment by {$66.00} a month claiming that the required proof of insurance had not been provided. They 're blatant liars. Proof of insurance had to be submitted before ever being to take the vehicle from the property. This continued throughout the entire time I had possession of the vehicle. I will be submitting proof of this claim. Before the first payment was due I got sick and was diagnosed with XXXX. I was on LOA for 3 months. I was struggling to survive & they kept jacking the payments up. Maybe a year into it, the picked it up. The Monday morning they took it, they also received a payment. I had called on Friday and given them the information but they made sure they had it picked up before the mail ran that day. While in their possession it was damaged. I fought and got it back but naturally not without additional fees. They made me sign a paper they refused to give me a copy of. I had a witness to that. It went along again for awhile and they did it again. I was n't going to fight for it the second time. The sow that works the XXXX XXXX office sold the vehicle & proceeded to sue me for the what the balance was when they took it which was about {$7000.00}. She really thought she was going to get both. Lobel Financial has repeatedly been asked for the proof of the sale to see what they really got for it and they have refused to provide. When we went to Court she claimed they only charged me {$66.00} one time, but that should never have happened. I maintained the proper insurance the whole time and that proof was submitted to the Court. The DOJ is finally taking a look at the practices of Companies like this. Now she has a XXXX XXXX trying to collect another {$2000.00}, balance is incorrect and not owed. I have submitted a complaint to the CA AG 's ofc to look into this matter as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
I received two emails from Bank of America, one trying to verify my email address and one notifying me that a credit card application has been received ( I do not have a BoA account ). I spend almost 2 hours talking to 6 different departments and not one single department could help me. I should not have an account with BoA and no one could confirm nor deny that I have an account with them. I had this same instance with XXXX XXXX a year ago and it was solved with a 20-minute phone call. BoA kept giving me different numbers to call and after waiting for 20 minutes each time that department said they couldn't help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collections agency is using fabricated altered documents to validate a debt that they say I owe in the amount of {$4700.00}. I did live at the apartments in XX/XX/2011, but there was never a balance due in the amount being reported on my credit. The documents attached are documents the collections agency forwarded to me to try and prove their case but after reviewing the documents I realized the documents had in fact been altered. I am also planning to have an attorney to review these documents because I feel that what has happened to me concerning this issue has been extremely unfair. The amount they are asking is invalid I never owed the company this much money ever! The documents the collections agency provided had no return address on them, no contact number, and no agents signature from the original creditor, the documents the collections agency provided me as proof is totally invalid and the original creditor has no records of the debt and it farther proves that I never owed this money. The original creditor has never charged this much for any of their apartments. The dates and the amounts are invalid. I do not owe this money and I want it to stop being reported on me credit because it is having a negative effect. When I asked the representative about these documents she told me that she had a signed lease and that 's all she needed and she would list me as a refusal to pay. I told her that I disagreed with the authenticity of the documents and I was not going to send her company any more money concerning this debt. She was rude in all email correspondences she told me that there was no need for me to email her again, and she has been consistent with trying to collect this debt from me. She believes that she can collect this money from me because of the lease I signed in XX/XX/2011 which I did sign but the amounts have been changed they are not the same, and the dates do not match my recollection of the actual lease agreement that was signed. I know what an altered document looks like and the documents she sent me have been altered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: CA
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:
There are XXXX inquiries on my credit report that does not belong to me they are : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX  - Inquiry date : XXXX XXXX, 2020 XXXX XXXX - Inquiry date : XX/XX/2020 These are inquiries I have not done I dont know what they are for I have no cards or accounts like this!!

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 2022-03-17
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I opened a secure credit card {$2000.00} 4 years ago with US Bank When I filed for bankruptcy to build my credit I was told my account would be reviewed after12 months to get an u secure card or upgrade my current account to unsecured account. Its been 48 months I have never heard anything from US bank about upgrading my account so I requested a review of my account I have never been late nor exceeded my credit limit in the past four years I have obtained XXXX creditors all in excellent standing never late and all paid in full with no balances zero debt obligations! My income to debt ratio is less 10 % I have a car loan in excellent standing! Yet I was denied stating I have delinquent accounts? I have zero delinquencies I only have my bankruptcy which was closed in XX/XX/2018 this was the reason for opening this account to improve my credit. My credit score thru US bank system reads XXXX on my reports Im at XXXX. The letter I received from US BANK makes no sense.

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 2020-03-10
Company: TD BANK US HOLDING COMPANY
State: UT
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:
TD Bank USA/Targetcred # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: LOBEL FINANCIAL CORPORATION
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a vehicle from libel financial back in XX/XX/XXXX-XX/XX/XXXX. we since XXXX the vehicle back since I lost my job and ended relocating to a different state. Since then Libel Financial has reported multiple different amounts ranging from XXXX to XXXX. Now most recently they doubled the amount to nearly XXXX dollars. More then the original price of the loan. I believe these are frodulent charges in order to try an inact legalncharges More than 3 years after reposession and are falsely reporting amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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  XXXX/XXXX  # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.

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 2016-03-03
Company: Lyons, Doughty & Veldhuis, PC
State: NJ
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 was contacted by a Law Firm ( Lyons, Doughty and Veldhuis XXXX ) in regards to a debt owed to XXXX XXXX Bank. 
I immediately notified them that this was not my debt and that I would like verification. ( Proof of fax receipt enclosed ). They then sent me a copy of a XXXX XXXX Statement with a name XXXX which I am not and have never used. Included was a typed letter with a notary stamp ( not raised ) that named not XXXX. But me with my address. I can only assume this is a deceptive practice used by this firm. 
I sent them another response stating that this was not my debt. They filed court action and I would not sign for the registered letter because it was addressed to XXXX. Shortly thereafter I received registered mail with the XXXX removed ; I can only believe this to again try to deceive me into paying a bill not owed. 
I have contacted XXXX XXXX Bank at XXXX and after they asked my birth date and last XXXX I was told that it is not my debt. I asked for proof and they said they would not share that because it was not me they were collecting from. I told them about the suit being brought and the response was just tell them it is n't you. ( Conversation all on tape ) If I could find out that easily, I would expect a law firm to do the same. 
I was told by the superior court ( Docket No. ) that I have to pay court costs to respond to this phony lawsuit. 
I just received another letter in today 's mail ( XXXX ) telling me to pay the bill because I am being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
According to the FCRA ( Fair Credit Reporting ACT ), any items that are reported on my credit must be authorized and correct. I reviewed my credit and noticed that there were inquiries reported that were not authorized. I have contacted the creditor as well as the credit bureaus and they have not responded to my request to remove these items. I requested these items be removed on XX/XX/XXXX. I called again on XXXX/XXXX/XXXX and still have gotten no response or assistance with these items that are not mine. 

Capital One Date of the inquiry XX/XX/XXXX Capital One Date of the inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I enable automatic payments in XXXX with santander consumer to start in XXXX. They didn't enable them as asked and are refusing to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have tried to find help through the bank in order to obtain my home. But the bank has negated to assist my case. I have applied for a modification numerous times but the bank will not give me an approval, by continuously requesting documents that I have already sent multiple times. I am soliciting you because I feel as if I 've run out of options, and my intention is to stay in my home because I have no where else to go. In these moments, I am ready to make monthly payments towards a loan modification. The bank continues to obstruct my case and I have proof of such actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: Coast to Coast Financial Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Coast 2 Coast is still trying to collect and report a debt to my credit report that was a result of ID THEFT. I explained to coast 2 coast I never lived at the service address provided and that my identity had been stolen. 

The failed to properly validate the account with my name, social, or drivers license number. I sent over a dispute letter as requested and a copy of my police report but nothing has been done to rectify this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-05-19
Company: Stellar Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was not made aware of a debt before it was reported to the credit bureaus by Stellar Recovery Inc . The collection on the report states its a {$36.00} debt. It also states the original debt is from XX/XX/XXXX and says date opened XXXX/XXXX/XXXX, but did not appear on my report until XX/XX/XXXX. Had I not have had a credit monitoring service, I would have not known this debt even existed. I contacted the original company who the debt is said to be owed to. They told me that they had no record of this debt. I am requesting the information to be deleted from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN Mortgage company updated their ACH part of their website and somehow lost my payment that was scheduled to come out XX/XX/XXXX. They have blamed me for this mistake several times. Today XX/XX/XXXX I get a letter in my email that blames me for cancelling my payment. I never cancelled my payment! They just never want to be responsible for any mistake they make. This is poor customer service to say the least. This letter that they just sent is 3 1/2 month after the incident. It made me wonder why would you send it to me now? What are you trying to cover up?

Company response to consumer: Closed
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX 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 XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now

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 2015-12-15
Company: Credit Card Receivables Fund Incorporated
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being sued by a Company UNIFUND CCR Address : XXXX, OH XXXX OWNER XXXX XXXX General Manager : XXXX XXXX, CFO Phone : ( XXXX ) XXXX / ( XXXX ) XXXX UNIFUND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX T : XXXX ... ... ... XXXX XXXX XXXX UNIFUND is a debt collector which buys bad accounts from USA. 
banks like XXXX, XXXX etc. 
XXXX sold my name and all my personal information to Unifund. 
I NEVER HAD AN ACCOUNT WITH XXXX. 
I called XXXX they could not find anything with my social security in their system. 
I called XXXX, XXXX, XXXX, XXXX XXXX and there is nothing in their system about me with XXXX. Nothing at all. 
Nothing with XXXX in my entire life. 
Now UNIFUND is telling me I have a balance with them total XXXX. My reference number isXXXX. 
Since all this started in XXXX they started garnishing my wages. 
XXXX times a month they are taking XXXX this total are for the garnishing and garnishing fees that they add. 
The Unifund, lawyers office keep their mouth very close. 
So now I am paying for a bill that I never had, and is not mine. 
My personal information : XXXX XXXX XXXX XXXX California XXXX phone:XXXX XXXX email address XXXXXXXXXXXX

Company response to consumer: Closed with explanation