BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the TRANSUNION. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status are still reported. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment story that is being shown in my report. Please update the status of this account immediately. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: GA
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 filed a dispute with Experian for identity theft/fraud and requested that the information be removed or blocked. They refused to do. I filed a complaint with the CFPB last week and experian updated the dispute today indicating that the information had been verified however when i called they said it was ongoing and they wanted me to submit a police report or FTC report to which I had already submitted to them as well as attached to my CFPB complaint from last week. When i spoke the rep today he indicated initially he saw both the ftc and CFPB complaint however then he said he only saw the CFPB complaint and couldnt remove the account without a police report or FTC report. I tried to submit the documentation with the experian.comXXXX  site however after two tries that were unsuccessful i tried using the experian dispute option thru the app and website and that didnt work and the only other option was mail which i am not doing as i am not waiting anywhere near that long. 

So i am submitting yet another complaint and dispute about the issue as well as i spoke to another rep in the fraud dept. who detailed all of this including my intentions to file a lawsuit for FCRA violation if the account is removed within 48 hours. I have been beyond patient. So if Experian wants to waste the time and money going to court im all for it. 

Account in question is listed a collection : XXXX XXXX  XXXX Original creditor : XXXX Date Opened : XX/XX/2021 Balance : {$5500.00} I am also adding XXXX in this as well seeing as I just checked my report with them and it still has yet to be removed as well. So they have the same timeline before i file suit.

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 2020-04-03
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

US DEP ED XXXX {$12000.00} DPT EDXXXX XXXX {$2200.00} XXXX   XXXX {$2400.00} XXXX  XXXX {$280.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$550.00} XXXX  XXXX {$7000.00} XXXX   XXXX  XXXX {$460.00} XXXX XXXX   XXXX {$760.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Zenith Financial Network Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have paid these people over {$3000.00} on a XXXX acount they say I still owe them {$1500.00} ..I told them that I live on social security and can not pay the illegal usury interest rate of 1000 % .I am XXXX old. this guy would not give me his name but he at XXXX XXXX. on XXXX/XXXX/2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My bank sent me a notice saying that I needed to make an escrow shortage payment, because according to their escrow analysis my account was short of funds ( the statement shows funds of {$3300.00} and their numbers never make sense to me ) It was to be paid in full or my monthly payment was going " to be adjusted accordingly ''. I sent a full payment in a money order from USPS via certified mail. 
They received the money. I have been trying to make my standard monthly payment online as I always do it, and the system is asking me for more money ( as if I had not paid the additional escrow ). I call the bank twice ( on XXXX XXXX. and XXXX XXXX ) and they said they need to adjust the system, but in the mean time I have to make the higher payment and they will readjust it when they make a new analysis. The system is refusing to take my normal monthly payment and I am subject to penalties/late fees if they receive a late payment. I do n't have the extra {$130.00} they asking for until they adjust the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Paypal Holdings, Inc
State: IL
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 received a bill from XXXX Master card  for charges incurred from XX/XX/XXXX-XX/XX/2020. I found that I had been charged {$2300.00} for purchases made via Paypal ( see attachment ) from individuals in California. I live in Illinois. 

I tried to contact Paypal, on several occasions, but I can not get in contact with a human being. I have left a message that I hope that will respond to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax nor XXXX did not send me the proof that I requested on several inaccurate, erroneous accounts that are being reported on my credit. I feel as though they are refusing to help me with the issues I am having with specific creditors and collection agencies. I have sent them multiple letters and request to no avail. I feel as though I am being discriminated against and would like to have both credit bureaus investigated for not providing me proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i paid the card off the bank froze the account let it completely max out then gave it to XXXX collection agency. if they wamted the money then why did they stop me from paying them?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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 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 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 XXXX XXXX XXXX XXXXXXXX

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 2020-04-03
Company: Experian Information Solutions Inc.
State: MI
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:
Experian credit bureau deleted an chapter XXXX bk on XX/XX/2020 then added back on XX/XX/2020 the source that they say they got the information from I have letter stating they havent discussed or communicated any information pertaining to me with anyone

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 2016-12-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been working with Equifax for almost the entire year to resolve their claim to put information on my credit report that has not been verified. I have sent documentation to them to ask for verification but they have failed to answer my complaint. The issue I have is a bankruptcy that I asked to be verified, they did not respond, I have a letter from the South Carolina XXXX court which states that they do not report information to credit bureaus, when I challenged Equifax, they did not answer my specific complaint nor remove the bankruptcy and items relating to it. I have hired a lawyer to fix issues where the credit company was using my son, who has the same name, his information was showing up on my credit report. All I ask is the removal of the said bankruptcy from my file since they did not respond to my complaint within the allotted time prescribed by the law. I have supporting documents, but they are numerous, I will gladly mail them to you if you request them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX a request was submitted to my credit card issuer, XXXX XXXX XXXX XXXX, to remove an authorized user from my account. This was confirmed complete on XX/XX/XXXX. The authorized user that was to have been removed mentioned in XX/XX/XXXX that the information was still being reported on their credit report. I again reached out to the issuing bank who once again confirmed that the authorized user had been removed. In XX/XX/XXXX, the authorized user advised of their knowledge of a credit line increase that I had received on said account, which again confirmed that my information was still being reported to the credit bureaus on this person 's behalf. I contacted the issuing bank again on XX/XX/XXXX and again was advised that the authorized user was removed and it was suggested that the bank and I " double-team '' the credit bureaus to have this information updated. I was able to successfully file disputes with XXXX and XXXX, however Transunion refused to do so advising that the authorized user would have to file a dispute to have the account removed from their report. 
This person is not going to dispute the account to have it removed from their report as it is positively impacting them. I do not have a relationship with this individual and do not want them having updates on my personal account information.

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 2016-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I 've recently updated my mailing and email addresses with the credit card company online. This raised an identity/security alert on their system. In the past when I have taken such action, I 've gotten a phone call or something in the mail confirming that. However, this time around the company wanted me to email or mail in copies of my documents ( SS card, DL License and utility bill ). I found the request to be a bit unusual and raised security concern on my end. I do not feel comfortable sending such info. to them ; and asked to cash out or credit my earned " cash back/rewards '' balance towards my outstanding balance. They refused to work with me on that stating that the account has pending ID verification concerns. I offered them an option mail the check to the previous ( original ) address or verify the info. over the phone ( unchanged ) to which they refused. I 've made the payment for full outstanding balance on my account and there is no pending balance whatsoever. However, when requested via customer service phone number the credit card company wo n't allow me to close my account. I have no intention of using the card again or do any business with the company and therefore I see no reason to leave the account open which could have negative impact on my credit history/report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was not able to initiate online a dispute ( collection ) with the 3 credit reporting agencies. 
I received " system not available '' massages from all 3 agencies (  XXXX, Transunion and XXXX  XXXX. Phone call resulted in long waits and bad connections. I was not able to accomplish the dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had an online and Phone Quote from some Agent who worked for XXXX They Gave a quote where I had to pay XXXX $ for just one single month for my automobile insurance. I agreed and paid the payments for XXXX $ for XXXX months from XXXX to XXXX. The company called me back and Cancelled my car Insurance after the XXXX month Period and said I had to pay them additional {$710.00} as my insurance quote increased. I never agreed for this higher quote and they reported this record as collections. This is a strategy used XXXX to rip off the customers. I had some speeding violation with no XXXX ever in my record. I never agreed for a quote where i had to pay more than XXXX $ a month. I agreed for XXXX and paid the months I had insurance with them. Now they have reported me to credit collections and it is impacting my score and APR 's very badly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Other

Complaint:
This complaint is in reference to a change in status of charge off, date and the amount for Capital One Card. 
The account was charged off in XX/XX/XXXX in the amount {$1900.00}. 
( See XXXX ) XXXX XXXX/XXXX/XXXX Capital One flagged this account on my credit report as a Charge Off as bad debt and reported the amount of {$2400.00}. Changing the date of the charge off and the amount. I have received no statements after this account was charge off. 
( See XXXX, XXXX and Cap XXXX ) I have disputed through the CRA as furnisher is providing inaccurate information to CRA 's. Capital One continues to report it wrong and ignores the disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: Reliable Credit Association, Inc.
State: ID
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I fell behind on an auto loan with Reliable Credit Association. The loan officer offered me a settlement that if I brought the vehicle back they would settle the account and not charge me the balance after auction sale. however, they report an unpaid balance of over XXXX on my credit report. this is contrary to our agreement, the account should reflect a zero balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
Company: HANCOCK WHITNEY BANK
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, I mobile deposited a check in the amount of {$2600.00} into my Hancock/Whitney personal checking account from XXXX XXXX XXXX. I took two images front and back over my mobile phone. I patiently waited for the funds to clear into my account. On XX/XX/2020, the funds were not available. And there was not an image of the check just a description saying the Institution was Hancock/Whitney. On XX/XX/2020, I called Whitney Bank to see if the funds were deposited into my account. I was told from an agent the funds would not get deposited into the account until XX/XX/2020. I didn't ask any questions. On XX/XX/2020, I received an threatening email stating they will charge me return check fees if XXXX XXXX does not pay the funds of the check. I have a personal checking account with Whitney Bank so I should never get charged for returned check fees for a checks. I patiently waited for my funds to get deposited into my account. I still don't have a clear image of the deposited check into my account. On XX/XX/2020, I received the funds deposited into my account. I waited an entire week for the funds to clear which is ridiculous for any one that personally bank with this business. I called to inform them that the check image was still not showing up in my account. I was put on hold for another agent. And the second agent just left me on hold. For more than two years, I have been correcting the errors that are made by the people that work for Hancock/Whitney Bank. I call the customer service line and get mistreated with getting my calls transferred more than two or three times per call. Sometimes my call never get answered. I get rude threatening emails. I receive postal mail from Whitney Bank with my name spelled wrong and I have made formal complaints to the company as well as Consumer Finance. It's very clear that they are retaliating against me. And I think it's very unprofessional for adults to conduct themselves in a childish unprofessional manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote a letter for validation of debt to company. Sent certified mail on XX/XX/XXXX.  Midwest Recovery Systems received certified mail on XX/XX/XXXX @ XXXX. Failed to receive validation of debt from said company. Midwest Recovery Systems is in direct violation of Federal Law of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: CA
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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE. THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

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 2016-05-06
Company: LEXISNEXIS
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This credit reporting agency attempts to circumvent the entire system of the CFPB. Basically, this agency types up a standard template response in an attempt to quickly close consumer generated complaints. In fact, under original complaint filed with the CFPB ( XXXX ) filed on XXXX XXXX, 2016, this agency stated that they would make the appropriate corrections within the 30 day Fair Credit Reporting Act. Well, it is now almost 60 days, and this disorganized, unethical company has not provided any updates, no communication, nor have they followed the Fair Credit Reporting Act. It is no wonder that most large companies do not depend on any information from this credit repository.

Company response to consumer: Closed with explanation