BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My credit report is currently showing serious delinquencies for periods during which I have previously requested a forbearance. Specifically these periods are : -  XXXX  thru   XXXX   XXXX   ; -  XXXX  thru   XXXX   XXXX  .     I have written to the lender many occasions and have not received a response.

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 2016-04-23
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received collection letter stating that an unpaid paypal acct is in my name, never had a paypal acct. Second time theyre trying to collect, first attempt they recalled the collection after i complained to CFPB. This could go on forever. They recall when i complain and then reassign to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My Lender-SLS has been in the 'process ' of a the 5th short sale offered on my home within a year time. The problem is when the these last offers came in I requested CASH FOR KEYS XX/XX/XXXX and they told me to submit a utility bill and request. So I did. Then 2 months went by and we talked and they said they never rec 'd it. So I -emailed another request. 1 month goes by and they call me stating they only got XXXX page. So I do it again. another month goes by and I talk to them still they never rec 'd it. Well then I fax it again 3 weeks ago. I get a call from them. I ask if they got it. She says yes- However, that program ended in XXXX 2015 and we are not elligable. Im totally stunned - unprofessional. Why would I be led on and why would n't they offer anything else? 

Is their any other programs for relocation/transition assistance? I have searched on line. I am not XXXX XXXX or 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 2020-09-26
Company: SYNCHRONY FINANCIAL
State: PA
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:
credit inquiry not authorized

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 2022-08-28
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have contacted Ally by phone and by mail ( 3 registered mail with return receipt ) regarding fraud on my account and I have no response.

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 2022-08-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021 I settled a debt with XXXX cell phone company. The debt was paid in full and the account is still reported as unpaid on my credit report. 

I disputed the account on all three credit bureaus and provided proof that the account was paid in full, and the debt is still reported as unpaid. I have sent verification to XXXX and three credit reporting bureaus, but they have not investigated my dispute or acted upon it. 

Per 15 U.S.C. 1681i, the creditor has a duty to investigate my account, there was no investigation performed. The credit bureaus also did not correct the account when I provided proof the account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX  months XXXX  days 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 2020-04-18
Company: Lyons, Doughty & Veldhuis, PC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX, XXXX, XXXX, Mr. XXXX, was contacted by a Debt Collection Law Firm, " XXXX, XXXX, XXXX '', in regard to allegations he defaulted on credit card agreement with XXXX  XXXX. On XXXX, XXXX, XXXX, Mr. XXXX, who is without knowledge to confirm or deny the debt, contacted the Debt Collector to say that all communications must be in writing through certified USPS Mail. The notice was signed for by XXXX XXXX, on XX/XX/XXXX. The USPS tracking number is : XXXX XXXX XXXX XXXX XXXX. After the Debt Collector failed to sue Mr. XXXX, in XXXX XXXX XXXX XXXX, in XXXX, Ohio, on XXXX, XXXX, XXXX, Mr. XXXX, faxed the Debt Collection firm to assert they cease and desist all communications and debt collection activity, via facsimile. 

However, to this day, XXXX XXXX, continues to contact Mr. XXXX, through e-mail, in spite of the notice to cease all communications, and only communicate through USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Reporting act XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: General Motors Financial Company, Inc.
State: FL
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I called and expressed to the agent that i was calling to make a payment. XXXX was her name she said she can accept my payment but she sees that i am delinquent on account which was agreed i asked her after paying the full balance which i believe is a little over XXXX where would i stand on the account. The agent was being very deceiving then explained she can settle the account for a lesser amount but it will close the account which was never my intent. She became even more deceiving and said she gave me authorization to record call and saids he will get her manager which a woman begin to get on the phone and said she is a account manager which she had no more knowledge then prev person i asked where the account go she said to a different stage not sure what that meant then a guy name XXXX who rep his self as a manager said it is against policy to give his full name not sure if that is accurate then said he is the only manager in the office then said he is the highest manager there in his office which was located in Virginia and from my understanding that is a level of MISREPRESENTATION which is against CFPB. He was very rude and and combative, he aslo hung up in my face and said it was policy that he did so if he cant control call and still did not accept payment from me after being on the phone for hours

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Northstar Location Services, LLC
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I received a collection letter for a debt that I do not owe on a private student loan. After calling the collection agency, I was told that the debt was from XXXX XXXX when I attended XXXX XXXX College in Washington State. I was not aware of any private student loan from my time at XXXX XXXX College so I called the school to inquire and they informed you that the school did not accept any private student loans so it could not have been for anything related to that education. I sent them a validation letter on XXXX XXXX, XXXX but I have not received any information back from them. Then today I went to see an attorney and she called and got additional information. They told us that the student loan was originated by XXXX XXXX XXXX who filed a bankruptcy in XXXX XXXX. However, they say the loan was sold to XXXX XXXX XXXX XXXX who is now the owner and that it is serviced by XXXX XXXX. We were told the telephone number is XXXX. During the conversation we were also told that the loan in question has been in forbearance for 9 years and that there has never been a payment on it and that repayment was not scheduled until XXXX. I have no knowledge of this loan and do not believe it is my debt and I finished an XXXX degree from XXXX XXXX College in XXXX. I only took out federal loans for that education so nothing about this loan makes sense. I am concerned because this debt is presented to me in a collection letter as legitimate and I can not figure out what it is or why it is collectible. Please Help!

Company response to consumer: Closed
Consumer complaint received 2022-05-23
Company: Associated Credit Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had 2 credit card with the XXXX bank  which were sold to XXXX bank. I had a law suit filed by XXXX Bank against me re one of the credit card in XXXX. Somewhere around XXXX of XX/XX/XXXX I received the phone call from Associated Credit Services. Since one credit card was in the legal dispute and only attorneys could communicate on the subject I thought that Associated Credit Card Services Rep is talking about the second card and I settled the debt for {$3000.00} with the Associated Credit Services , Inc ph : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXXXXXX and this settlement was fully paid ( {$1000.00} withdrawn from my account on XXXX XXXX ; XX/XX/XXXX and XX/XX/XXXX ). 
Meanwhile I also settled the credit card which was in the legal dispute through my attorney and also paid the settlement fully and the file was closed on the court level. Later I discovered that both settlement were done for the same credit card ( not two different accounts ). 
I called XXXX Bank and they said that they never received the settlement from Associated credit services nevertheless they sent me 1099 C form with the debt discharge and the amount corresponds to Associated Credit Services settlement. They reject to discuss and say that they never received the money from Associated credit services. 
I haven't received the confirmation of the settlement from either Associated Credit Services or XXXX Bank after multiple requests. 
XXXXt bank denies that the settlement with Associated Credited exist and that they received the money and Associated credit Services has been promising email/mail the confirmation of the settlement since XXXX, XXXX. 
I made multiple phone calls to Associated Credit Services and they always say it's on its way. I talked to XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and other people. It's already about 3 months since I am trying to resolve the issue and none of the parties involved acknowledge the settlement done by associated Credit Services with official letter and XXXX Bank denies it at all. I apid for the same settlement twice and it seams like a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion will not remove fraudulent inquiries off my credit report. I have reached out to them numerous of times, and explained to them those are fraudulent unauthorized charges and filed police reports XXXX XXXXXXXX FD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/20

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 2019-02-05
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I had received a called from XXXX XXXX about helping me get more money if I put XXXX in and days after days after days he kept stooding me up telling me to wait the money I used was rent money and that was told to him that I needed his help now Im finna loose my home and all I want is my money back to my family

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Other fee

Complaint:
Captial One credit card has engaged in unfair, deceptive and abusive practices on my credit card with it. 

When I opened this account, there was no annual fee for the card, and I opened it because of this reason. Suddenly, on XX/XX/XXXX, I was charged a {$19.00} " member fee '', without warning. XX/XX/XXXX, the only other charge on this card was {$14.00} for a telephone service, which was a balance well below the credit limit. This same amount was paid electronically on XX/XX/2016, before the due date. However, because Capital One charged me a " gotcha '' membership fee, in contradiction to its advertised no annual fee for this card, it then charged me a late fee and froze the account because I did not pay it 's abusive charges. An electronic payment for {$53.00}, the entire balance on the card now, consisting mostly of these unfair charges, was paid today. Capital One should have this payment by tomorrow. 

Somewhat beside the point, I am away for the winter from the billing address and have not gotten Capital One 's last forwarded bill. However, it has gotten electronic, on-time payments regularly since the account was opened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently checked my credit report and noticed that lots of inaccurate accounts and inquiries, I immediately made a Letter to the respective agencies dated XX/XX/2022 and I wonder why after 30 days I haven't received any response from them so I had to research about my right and found that according to this article { FCRA 611 ( 15 U.S.C. 1681I ) } there's this 15 days additional for the reinvestigation. So I calm myself and waited for another 15 days to passed. Today I couldn't wait for another day it is over 45 days since I mailed them about it but still no response at all. According to article that I read failure to investigate 30 days gives a reason to immediately remove those items from my credit report. I feel like I am being ignored and being taken advantage.

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 2016-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX 2016, my identity was stolen. A Capitol One credit card was opened in my name and sent to my old address of 20 years ago. Capitol One was alerted and was supposed to take the hard credit inquiry off my report and cancel the credit card. A letter dated XXXX XXXX, 2016 stated that they would remove this account. When the hard credit report was not removed as of XXXX XXXX, I called and got the run around. They said it would be taken off in 60-90 days. I called again XXXX XXXX as it was still not off. Again, was told 60-90 days. I believe the law states 30 days to remove unauthorized inquiries. They also did not have my permission for the inquiry. As of XXXX XXXX, 2016, the hard credit inquiry is still on my credit report. I also feel Capitol One was negligent in opening the account to begin with as I already had a Capitol One account with my current address in Georgia. This should have been a red flag and I should have been contacted by the fraud department before it was issued. If I had lost my card, they would not send it to a different address. Capitol One has not been very helpful in resolving this issue, so am contacting you in hopes of having the unauthorized hard credit check removed from my credit reports. It is currently on all the reports. A fraud file was opened at the XXXX County Sheriff 's department. A freeze and fraud alert was put on all my credit accounts. I was the one that caught the fraud and not Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Billing statement

Complaint:
On XXXX occasions in the past 12 months, I / we have received our bill for our Capital One XXXX much later than expected. During the last incidence, the billing cycle ended XXXX/XXXX/16. Capital One 's telephone support claims that the bill was mailed XXXX/XXXX/16, yet we did not receive it until XXXX/XXXX/16. The due date is XXXX/XXXX/16. Although we can easily pay the bill, this gets to be a tight turn around and has nearly resulted in several late payments. Either Capital One is inadvertantly failing to mail their statements late, or they are sending statements too late in the hopes of generating revenue through late payment fees and interest. Or the postal service is not doing their job properly, but we have not had problems with other mail arriving late.

Company response to consumer: Closed with explanation