BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-30
Company: Pacific Union Financial, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
A complaint was previously filed XXXX and a response received from Pacific Union Financial which is not acceptable. They are refusing to remove a mortgage late reported for XXXX of XXXX. To reiterate for the XXXX payment due of {$3300.00} the amount was entered in the numeric portion correctly at {$3300.00} but in the hand written portion mistakenly written as 'XXXX   XXXX XXXX and XXXX/XXXX. The shortage of {$300.00} was subsequently paid over the phone with an additional {$15.00} fee. In Pacific Union 's response attached they indicate the amount of {$3000.00} was put into suspense which is not true as they actually cashed the check which is also attached. The mortgage principal and interest portion is {$2200.00} and {$1000.00} is for the escrow amount. The principal and interest portion was paid in full on time and it was the escrow portion that was shorted. The escrow account maintained a positive balance and there were no required disbursements from the escrow account from the time of the payment shortage until the {$300.00} was collected. How was Pacific Union shorted or harmed other than not having the {$300.00} on account? Since obtaining the mortgage in XXXX there has never been a late payment and I believe that their refusal to remove the late payment is vindictive and purposely harmful as our credit rating has suffered significantly. I imagine that PUF has never made a mistake and they want to hold us to the same standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon checking my recent credit scores, I noticed the following company has been reporting misleading information to the credit bureaus. I am distressed to see that the following company has continued to report misleading information on my credit report. I have disputed this account several times however this account to my surprise is returning to me verified and to my best knowledge this information could not possible be correct. I also took matters a step further, and decided to contact NCS by sending them a letter requesting they either properly validate the debt they are currently reporting, or removed this account from my credit report. I have never received a response from the company directly and they are still reporting the account which is a violation of the fair credit report act - due to the fact that the company refused to comply with validation from this account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the creditor is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) or this account removed as soon as possible from all reporting agencies whom may be furnishing it. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: MD
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:
Per XXXX XXXX XXXX XXXX XXXX  credit score, XXXX dropped my credit score XXXX points. This was significantly much lower than Experian which decreased my score by XXXX points. I want to have clarity as to why XXXX score is so much lower than other reporting agencies when the credit reports are identical and based on the credit same history. 
I have been penalized by XXXX  throughout their review and scoring whether its increase or decrease of my credit score. I need to understand why the great disparity when compared with other reporting agencies. Plus, too many excessive points, in general, are decreased from ones score without given the appropriate time to correct the issue. 
At this point, I feel its discriminatory and would like a thorough investigation of XXXX practices and rating of my credit history. 
Thank you for your prompt attention to this request.

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 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2018-11-30
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX i opened a dispute with Transunion about XXXX XXXX adding a collection to my credit file in the amount of {$1800.00}, that dispute end with Transunion deleting the XXXX XXXX account from my credit file on XX/XX/XXXX. 

On XX/XX/XXXX i discovered XXXX XXXX  had been re-inserted into my credit file after being deleted. Transunion is required to notify me within 5 days of re-inserting a previously deleted item. i did not receive such notification. Please delete this item immediately.

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 2017-08-14
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
American Express is reporting a Delinquent Account. After two attempts American Express was unable to provide me with my signature and prove that account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I received a NOTICE OF ACCOUNT CLOSURE on my coinbase account on XX/XX/XXXX this year and can't use my account. I already made multiple support tickets asking them the reasoning behind why my account got closed but they refuse to give me an answer. I've been using their services for 4 years and felt like how they have been so unfair to me as a consumer. It has affected me negatively and also has affected my small business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a verified letter asking for verification for numerous accounts on my credit report. I sent letter one XXXX17. I sent letter two XXXX17. I then receive a letter from Experian on XXXX-17 stating they have completed the process of my disputes, and will no longer reinstates these accounts anymore. I did not receive verification according by law 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I did not receive verification from numerous 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 2022-08-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022. I made a phone call to Midland Funding in regards to the validity of two reported debits from XXXX bank and XXXX XXXX XXXX in the amount of {$430.00} as granted by the Fair Credit Reporting Act. I requested the following documentation ; Original contract from the merchant with signature, Original merchant information, Itemized billing statements, and proof of ownership from the current debt collector. On XX/XX/2022 I received all requested documents except the original merchant contract for XXXX XXXX and absolutely none for the XXXX bank. On XX/XX/2022 I once again contacted Midland Funding and requested the missing information only to be told by the operator that they had no other documentation in regards to the debts. I inform them that this was a violation of the FCRA and that if it is not removed from my credit i will be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
During the mortgage process I was made aware that multiple accounts had been reported to my personal file that did not belong to me. I reported this information to law enforcement as well as the credit agencies furnishing the information. I have attempted to resolve these discrepancies multiple times over the past couple of years. I even voluntarily paid some of the accounts in order to stop the damage to my credit and constant harassment by collectors. I was informed by my lender to file a complaint with the consumer protection bureau. I request immediate deletion of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a Frontier plane ticket using my Frontier Airlines XXXX XXXX on Saturday, XX/XX/2022, from XXXX, WI to XXXX XXXX for XX/XX/2022 - XX/XX/2022 ( Confirmation Number XXXX {$230.00} ). On Sunday, XX/XX/2022, I realized that I booked my plane ticket for the wrong dates. I called Frontier Customer Service and was told since I booked the flight less than 24 hours ago, I could rebook the flight with the correct date using the Confirmation Number XXXX to cover the cost of the flight and not be subject to a change fee. 
After my phone call to Frontier Customer Service, I rebooked my flight for the correct date XX/XX/2022 - XX/XX/2022, using my original Confirmation Number XXXX. After rebooking my flight, I received a new Confirmation Number XXXX & the plane ticket cost me {$200.00}. 
I received my Frontier Airlines XXXX XXXX statement with both airline tickets on my statement. I called Frontier Airlines XXXX XXXX to dispute the first airline ticket ( Confirmation Number XXXX {$230.00} ) since that was the flight I never took. Frontier Airlines XXXX XXXX sent me a letter stating that they finished with the investigation & I just received my Frontier charge card statement stating that my bill is {$200.00} ( the cost of the rebook Frontier plane ticket ). 
Why is Frontier charging me for 2 plane tickets & I only took 1 flight? I paid the {$200.00} for my flight.

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 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 tried to dispute information with XXXX/XXXX by directly calling them, but the company phone number provided to my credit reporting agency is inaccurate. XXXX is not a valid number. Remove from my credit report due to inaccurate data supplied.

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 2022-08-03
Company: EQUIFAX, 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:
Equifax has violated my privacy rights with aggravated identity theft. I have made multiple attempts with disputes and certified mail to have these violated resolved. Equifax continues to report NEGATIVE information without providing the documentation I have requested from their alleged investigation from my disputes. Instead, they sent me a letter asking for proof of my identity documentation. Therefore, proving their own claims of validity of the accounts FALSE. 

VIOLATIONS - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 I am seeking {$13000.00} in damages due to the MULTIPLE violations for the accounts that you have acted on. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health. 

As stated above, Equifax has violated me with aggravated identity theft and continue to do so. 

I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. Equifax must disclose my right to opt out and has committed fraud, which has no statute of limitations. 

Equifax has within FOUR DAYS to remove ALL negative derogatory accounts AND inquiries. 

THIS IS NOT A REQUEST TO DISPUTE! THIS IS A DEMAND TO DELETE PER MY RIGHTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent a dispute to the 3 credit bureaus and they have not responded with any dispute updates and has NOT provided notice of dispute either which is a violation of the of 15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.

also Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) you must delete the inaccurate or incomplete unverified within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-25
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is a complaint for CITI cards. 

I have made an electronic payment to CITI card from my account that was added and accepted through Citi card as my payment account. This account is held in XXXX in Hawaii. 

I made a payment from this FHB account to my CITY card on XX/XX/2021 in the amount of {$6400.00}. This payment has gone through and citi card print screen is enclosed ( to show that this payment went through ) Couple days later when I checked the credit card online again I noticed Citi cards reversed a payment. and charged me a Fee of {$39.00} for returned payment. 

So I set up an autopay from the same FHB account to my CITY card. The autopayment was accepted and put the payment to go through. Again the same thing happened. I payed {$92.00} on autopayment and when I checked another 2 days later the payment have been not accepted ( but it went through ) Consequently I have been charged another {$39.00} return fee. And of course because my first payment did not go through and was unable to make this full payment I was now charged an interest in the amount of {$81.00} Next thing I did before leaving on vacation and having to go through all this hassle I sent in a check. Which was returned because in all the stress that my payments weren't going through I forgot to sign the check that I have sent ( again from the same account ). So I am stuck with another {$39.00} return payment fee and of course now with late fee of {$39.00} and another month interest of {$82.00} ( I was gone in XXXX for a month and did not have access to proper phone to resolve the issue ). 

I called the Citi cards on XX/XX/2021 at XXXX AM XXXX and wanted to talk about this problem. I was transferred 3 times and then of course hung up on. 
My other attempts to contact them were unsuccessful. A person can not contact them online at all. There is no email address. They used to have this chat, but now the chat is only controlled by the XXXX not a real person and can not really do anything remotely close to what I needed the help with. Trying to get the right person on the phone is a hours long feat and who has the time for that? 

I went to visit my XXXX ( XXXX XXXX bank ) to see if they can help with the problem. 
They told me that the issue is not on their part and that my account has not been blocked or stopped to process these payments in any way. 

Now Citi claims that this payment account has been canceled but when I tried to add it again, the web site gives me automatic response that this account already exists. ( all this is documented with attachments below ) I don't know what else to do. I am enclosing all the information I have here

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 monetary relief
Consumer complaint received 2018-11-30
Company: Applied Resolutions Group
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls non stop starting from XX/XX/XXXX to XX/XX/XXXX with multiple calls to my employer after I told him on XX/XX/XXXX to stop calling me and my employer. I stated " You can stop debt collectors from calling you at work fairly easily. Simply tell the debt collector that your employer doesn't want them calling your job or that you're not allowed to receive personal calls at work and they are legally required to stop calling you. " He then proceeded to call me back and left the following voice message which I have saved. 

" XXXX XXXX, XXXX, contact XXXX in your human resources department, she will give you a update, good luck to you '' Call comes from :XXXX File Number XXXX Sounds like a XXXX XXXX. I have voice messages saved. 


Email received from employer : From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Heads Up Hi XXXX Just a heads up Applied Resolutions Group left me a vm regarding a XXXX XXXX XXXX I looked them up and they are shady. 
I didnt get a name, but the number he called from was XXXX. 

http : XXXX https : //complaintsdatabase.com/complaints/index/Applied+Resolutions+Group I dont intend to call them back, but I do recommend telling them that you can not accept these calls to call the office. 

You can stop debt collectors from calling you at work fairly easily. Simply tell the debt collector that your employer doesn't want them calling your job or that you're not allowed to receive personal calls at work and they are legally required to stop calling you. 

For me Your employer can not legally refuse verification of employment status to a creditor. However, they are not required to include any additional information beyond your job status, location of employment, and current insurance benefits XXXX if your debt is medical in nature ). 





Thank you, XXXX XXXX Ph : XXXX XXXX Fax : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Bliksum, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was a debt, I think was taking out by my ex spouse. Ive asked for original documentation years ago from Loan Me but never received so I could verify my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital one was paid {$3000.00} from a loan I took from XXXX XXXX. This was overnighted by the bank on XX/XX/XXXX. In addition, I paid {$100.00} on XX/XX/XXXX. This overpaid the balance due by {$250.00}. I closed the account at that time. Capital One 's own statement shows XXXX. To date they have NEVER refunded the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-30
Company: I.C. System, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent them a Debt validation letter and they never responded back they have no authorization to report anything on my credit reports.

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