BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-06
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: Account information incorrect

Complaint:
Transunion Credit Bureau has hard hit inquiries from  XXXX   XXXX  on  XXXX   XXXX  and  XXXX ,  2015 . Hard hit inquiries from the same company must be at least 30 days apart. My credit report was charged with  XXXX  inquiries due to Transunion negligence. Again, on  XXXX   XXXX  and  XXXX ,  2015  and  XXXX   XXXX ,  2015 ,  XXXX  charged My Transunion Credit Report  XXXX  hard hit inquiries within a 30 day period.

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 2017-06-06
Company: Receivables Performance Management, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was promised by RPM that they would delete my collections account after it was paid. I have tried talking to everyone at that company but no one will even help. I did n't even realize I had debt un paid until I tried to get my mortgage. I paid the debt immediately in full and trusted they would do their part.

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 2017-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Our company had it 's checking account with Capital One. We are an XXXX vendor and all of our deposits came electronically from XXXX XXXX every two weeks. All of our company purchases are made with company credit cards. The only disbursements we have made all year long are to paid credit card companies for our inventory purchases and fixed expenses. Today I tried to log into our Capital One Spark business checking account and I kept receiving error messages. I emailed customer service with the reference number and two hours later had still not received a response. I called Capital One and someone finally told me that Capital One " had decided to end the banking relationship '' without ever first notifying us or giving us any explanation. I demanded an explanation and was transferred to an account rep named XXXX. He claimed he had contacted the person or persons responsible for making the decision to close our account but he claimed that no one would give me an explanation why our account was closed without notice. He said our available funds were being mailed to us. When I demanded a tracking number for it he said it was sent via regular mail and no tracking number was available. We have deposits scheduled this week from XXXX as well as payments to our credit card companies and now have no way to pay our creditors until we get our funds from them as well as work out the rerouting of payments with XXXX. XXXX had verified that they have already sent this period 's payment and all we can hope for is that it bounces back to XXXX and Capital One has not decided to keep it or that it 's lost in cyberspace. <P/>XXXX XXXX XXXX, XXXX Capital One Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: NC
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 sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX, Equifax, and XXXX is reporting that a balance on my credit report for XXXX was not paid, and past due. The balance was paid in full, and is not past due. I also receive a check in the mail for paying more than the balance when I closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Ceannate
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My name is  XXXX   XXXX , I have had my federal tax return intercepted along with my wages currently being garnished {$120.00} every two weeks. I have asked them repeatedly to assist me in at least releasing my garnishment and their response has been unhelpful. They need me to get evicted from my residence prior to qualifying me for a release of garnishment. I am a single mother of  XXXX  with no assistance from anyone. Although I understand this is my responsibility I have a bigger responsibility to my children and have to be able to provide a roof over their heads and this agency/company is making it increasingly difficult. I have missed w ork ( lost wages ) since I  have to seek government assistance for food stamps. I do n't understand how they would rather have me go on welfare ( reluctantly ) then to just release my garnishment and allow me to pay them monthly in return. They already took my refund for $ 7,000+ that was applied to my loan  (   XXXX  College already a issue ). I am in no way refusing to pay at this point but I basically have to make plans to get to the point of being evicted and finding a womans shelter for me and my children. This can not be what my government wants to occur or how the process is set up to work. Im an   XXXX   XXXX   at a   XXXX   XXXX   making {$ XXXX } an hour in the  XXXX   XXXX  area I get paid bi-weekly, I have  XXXX  little boys ages  XXXX  and  XXXX   years old an d I am the sole provider. Do the math Im going to be homeless because of this issue. I understand  XXXX  College is being sued and they wouldnt assist with that issue either just brushed my concerns and didnt answer my questions. I have escalated my situation to members of management and they insist that there is nothing they can do for me unless I get eviction papersEVICTION papers!! So their advise is to get evicted and become homeless with  XXXX  children living in the streets or shelter. I just dont understand how thats their advise or direction. There has to be something that can be done to help me other than just allow me and my children to get evicted. They have poor customer service skills dont help theyre almost rude and condescending when speaking with me like Im worthless debtor. I feel bad enough Im under serious stress and turmoil over this financial issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is basically an extension of my previous complaint with the CFPB about this company. After closing my last complaint SPS did send correspondence to me asking for identifying information ( ID, Birth certificate, proof of residency ) which i feel is reasonable so i went ahead and submitted those documents via their website on XX/XX/19. Today in my mail box i receive a letter stating that i must have a signed quit claim or grant deed giving me the property as per california law. This is NOT what the law says is required to be declared " successor in interest ''. Im tired of typing this. This company is shady or run by morons. I do not have to have a signed grant deed giving me the property. GIve me a break, ive sent them my ID, my birth certificate showing XXXX and XXXX XXXX are my parents, a copy of the will 3 times clearly stating that i am the intended heir of the property, proof of my address showing that I live here, ive lived here for most my life, and there is absolutely nobody else trying to claim that they are the successor in interest besides me. There is nothing to dispute here. SPS needs to stop playing games and declare me the successor so that i can apply for mortgage relief. I feel they are deliberately slow playing and delaying the process so that they can foreclose on my family 's home. Which is likely their get down in business ... make predatory loans to elderly XXXX people when the housing market was so inflated that it actually gave a XXXX loan on this XXXX that aint worth XXXX knowing they will collect revenue for a good 15 years or so, then the people die and they move in and foreclose, sell it again and again and again. I can not be the first person theyve done this XXXX to. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: AMERICAN HONDA FINANCE CORP
State: MA
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 for identity theft in XXXX of 2021. Honda Finance claims they investigated the claim and they denied my claim based on their investigation. I have yet to receive the names and numbers of the agents and anyone contacted in regards to the investigation as stated in FRCA. Additionally, upon review of my credit report, I noticed this is an Auto Lease, per TILA leases are not permissible for automobiles and instead an installment credit sale waste be the basis of the initial transaction which I did not initiate. Honda, a debt collector, is now charging-off monthly a disputed debt and ignoring to apply payment with my direction. I did not initiate a transaction, nothing has been loaned to me and I have not received any goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Received multiple calls to pay outstanding balance weeks in advance with no mention of the following form. Card declined after posting payment of half my statement. Fourth call to customer service advised I had to fill out IRS form 4506-C to verify income. Would not allow me to verify in any other way. Customer service also provided multiple different answers as to why my card kept declining before advising me to complete this form. Company has frozen use of my card until the IRS provides my recent tax returns. Would not accept them from me, or any paystubs ( I have record of all of my paystubs online from my employer ). Customer service had no way of expediting this verification. Typical turn around time is 60 days per the form. I recently paid down half of my outstanding statement balance. Expecting immediate use of my credit card after payment was posted, I no longer have money available to live for the rest of the week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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: Account status incorrect

Complaint:
We agreed to pay off a collection last year in XX/XX/2021 with XXXX XXXX XXXX. The agreement was with account representative XXXX XXXX. that once the amount was paid in full. XXXX XXXX will request for complete deletion from our consumer credit report and send to TransUnion, XXXX and XXXX. This is a joint account in the sum of {$1200.00} was paid by me and my husband.

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 2018-05-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a loan modification for a year. Two separate and incorrect appraisals were performed which indicated my home was worth much more than it actually is worth. After disputing this over the course of several months, a correct appraisal was performed. I resent all the paperwork necessary for a loan modification and was told my application was being considered. That information was given to me on XX/XX/XXXX.by my assigned asset manager. I continued to try to make contact with the bank, leaving messages each time but never got a phone call back. Finally on XX/XX/XXXX I received a message that my primary contact was no longer with  the company and I was given another contact. Again I had reached out but we kept playing " phone tag '' On XX/XX/XXXX I finally spoke to yet another representative assigned to my file. From the conversation, it sounded as though my file was lost or somehow unattended. but now the file would be " escalated ''. I received a letter from the bank requesting items that don't exist and have been trying to reach the new representative to try to clarify exactly what they need to move my application along. I have left 4 voicemails over the last couple of days. I left specific information on when I could be reached since we are in different time zones. As I am on the West Coast, I said I could not be available until XXXX PST./ XXXX EST. Instead he left a message at XXXX PST. I am really concerned this is their " strategy '' to avoid working on my file. They have made themselves almost completely unavailable to me. As I have a deadline of when I need to submit the remaining paperwork and documents I am very concerned that I can not reach anyone at the bank. From the outset, this bank has made mistakes on my file or have been obstructionist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Experian Information Solutions Inc.
State: IN
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:
Per FCRA credit reporting agencies must report accurate information at all times. Experian is inaccurately reporting 3 accounts as 30 days past due : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX while XXXX and XXXX are reporting the same exact account with the Payment Status : Paid or paying as agreed. Please update this inaccurate information " PAID/PAID AS AGREED '' if you are not able to update this information, please provide me with validation that this account has been late.

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 2021-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Title loan
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CAP ONE AUTO. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America discriminated against me and closed my bank account for me using my right to freedom of speech. They also trespassed me from their property and used a collective act of racism to do so

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 2021-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX not g iven options on IBR and thus went into forbearance. This made my loan very large in sum.  <P/>  XX/XX/XXXX - XX/XX/XXXX  I discovered recently that whenever I have been paying EXTRA on the loan, Navient is automatically applying the payment to the loan with lowest amount or lowest interest and keeping the large sum loans with large interest amounts intact. This of course benefits Navient and NOT me. This was not disclosed to me at any point, until I started asking questions on how the payments are being applied.  <P/> This practice has put me back an amount I ca n't even measure.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient calls me up to ten times  a day and at least every hour. Spoke with someone last year and they indicated that on my private loan I had a cosigner which was my father, I explained to them that my father as never co-signed anything for me and I do believe that the records were wrong and I do n't recall filling out for a private loan. So on  XXXX  -17 a na vient representative call me about a payment but I explain to her that I started a new job it would get my first full check until the end of this month I would n't be able to make a payment until next month. The representative talked all over me and ask could I pay them and hold off on my other bills, I told her no I could n't because the other bills were mortgage and lights. She then went on to say after  XX/XX/XXXX  I will be reported to the credit bureau and they will have to reached out to my father. Well I explain to her that my father never co-signed for me and I do n't even think this private loan is legit but no one has ever called me back with details or paper work showing if it was legit or not. Navient bully individuals with calls and make individ ual s pay w ithout proper documentation rather the loan is legit or not. I do n't ever recall having a private loan or having my father coaign for anything something got messed up in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX No. XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Based on the information that was sent to me b y Ability Recovery Services, t he date of first delinquency was indicated as  XXXX   XXXX ,  XXXX . But the documentation sent and an email from the original collector indicates the date of delinquency in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX sold Loan 20 to Discover bank ( loan number XXXX ) also known and reported on my credit as XXXX - in XX/XX/XXXX. This private student loan was charged off in XX/XX/XXXX by  XXXX XXXX. XXXX XXXX has been the collection agency on this loan : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX The statute of limitation for this debt to remain on my credit in the State of XXXX is XXXX years. I XXXX school XX/XX/XXXX. I did not make payment to this loan and it was first defaulted on XX/XX/XXXX. This loan should have been removed XXXX XXXX. Discover has been fraudulently trying to collect on this loan through XX/XX/XXXX, XXXX and discover bank. This loan appears on my credit report monthly as a defaulted negative loan to date. If the statue according to XXXX XXXX, which stated 7.5 years- this loan should have been removed from my credit as of XX/XX/XXXX. Discover bank stated that a payment was last made XX/XX/XXXX- which would mean under the State of limitation in the state of Florida which the loan was originated and which I reside- this loan should have been removed XX/XX/XXXX. It is still being reported negativity reflecting on my credit adversely. Serving as a detriment to getting further credit approvals.

Company response to consumer: Closed with non-monetary relief