BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report: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  , U S DEPT OF ED/XXXX , XXXX XXXX  , XXXX XXXX XXXX Inquiries : 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 explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX 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.

This account has passed the statute of limitations.

This account has inaccurately reported two different kinds of account numbers.

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 2021-12-12
Company: EQUIFAX, INC.
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, Equifax, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : CREDITOR : XXXX ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00} CREDITOR : XXXX ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00} CREDITOR : XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: General Motors Financial Company, Inc.
State: LA
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:
I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. 

These Inquiries are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act. 

XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX/XXXX   XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX   XXXX  XXXX | XX/XX/XXXX XXXX XXXX  XXXX  | XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, I transferred XXXX to my Business checking account ending in XXXX, and on XX/XX/XXXX, the deposit was reflected in that account but then I was charged {$170.00} in over draft fees on XX/XX/XXXX. Their app instructed me to call Capitol One with a link for each disputed fee, was on the phone with XXXX at XXXX  today XX/XX/XXXX for 25 min to be told their claims department didn't handle fees, so he would transfer me to customer service ( note in the app they state they are open Saturday XXXX-XXXX ET ). Then after 25 min wait he told me customer service was only open on Monday! I asked to speak to a supervisor, after 10 minutes XXXX said I needed to speak with the 'Business Team ' on Monday to get the overdraft fees refunded. 40 minutes wasted on the phone and they never refunded me these bogus overdraft fees they charged! 5 overdraft fees for 3 transactions! 2 of those transactions were for XXXX cents transfers which I definitely had adequate funds for!!! This should be illegal to charge FIVE overdraft fees of {$35.00}, TOTAL FEES CHARGED {$170.00} for 3 transactions, 2 of which were for XXXX cents each!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: HI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This is a debt that I believe I do not owe for breaking a lease due to loving in a very unsafe apartment complex where I was scared for myself and my child. This has passed the statue of limitations in the state of Hawaii for them to still be attempting to collect this debt. The creditor will not provide any info on the original debt. They are calling my family members and calling them names and threatening them. They call my job everyday several times a day and say vulgar things to the receptionists. This has affected my job to the point where I had our company director contact me regarding this. I believe this is an inaccurate debt, and the way this company is trying to collect is threatening and harassment. The company 's that I know have called are IQ Data International which always calls from blocked numbers. Then another number called me today from a lady named " XXXX XXXX '' at # XXXX XXXX XXXX XXXX XXXX threatening to serve papers to my place of work. Neither of these companies have my correct information or name. This debt is expired and should even be removed from my credit report!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: EQUIFAX, 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:
The incorrect balance on my home mortgage at XXXX XXXX was reported to Equifax and my credit score decreased by XXXX points on XX/XX/2020. I contacted XXXX and they corrected the error. Equifax received the corrected balance but they did not correct the credit score. I have not had any negative credit reporting since the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have received notification that my mortgage payments were not received for XX/XX/XXXX, and XX/XX/XXXX. 
My XX/XX/XXXX and XX/XX/XXXX mortgage payments were made both in the amount of XXXX withdrawn from my account on XX/XX/XXXX, and XX/XX/XXXX My payments are made from XXXX XXXX XXXX, XXXX, Illinois. I have receipts showing evidence of payment of mortgage for XX/XX/XXXX, and XX/XX/XXXX. Your help with this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: SYNCHRONY FINANCIAL
State: PR
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Agency Call me two time, First time I was at work Lunch time, He mention that My debt from Old Navy is around the amount of {$1700.00} which is not correct. I ask for a verification of amount of the debt in writing but they refuse. Then, I told them that I ca n't continue the phone conversation since I was at Lunch in my work. Again, they call me on XXXX at XXXX threatened that I own over {$1700.00} and again I indicated that is not the correct amount. He offer a discount so I could agree in that momment to paid the amount of XXXX XXXX something. ( Ca n't remember the correct amount do to his improper way of talking and threatened ). And again I said that I ca n't agree to nothing before the debt amount is verified. They he turn mad and threatened me to sue me and talking to someone in the background that to pass over the file to the Attorney ... 

I never refuse to paid. I also ask for clarification of the amount of the debt and was refuse to me in both phone calls. I 'm a resposible person and I understand that there is a debt that need to be verify the amount because is not the correct amount. I feel dishonor, disrespectfull and since then I ca n't XXXX all the time thinking of the situation of this Collection Agency. I once back on XXXX when I enlisted to the XXXX XXXX XXXX XXXX, I sent a letter asking to settle the outstanding debt but never receive a response back from the Original Agency ( Old Navy ). Now I have this collection agency calling me and threatening me like if I didnt do my part before to resolve the outstanding debt. Back at XXXX If the agency will call or respond me this will not be happening at this moment, not the calling and not the amount that they say I own.

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 2021-02-25
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Is reinsertion illegal? I believe it is. Back in XXXX I wrote Caine Weiner a basic dispute letter I found on XXXX. They removed the account from my credit between then and XXXX. That item has reappeared out of no where on my credit, same company and everything. This is totally illegal. They can not reinsert an item after they requested account deletion from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
apparently pnc made changes that prohibits my atm round -ups from being deposited to my XXXX  account. This has probably caused my account to grow much slower than it should have these past few months. I thought there should have been more money saved on acorn but just received a message from XXXX  informing me of what pnc was doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disputed negative and erroneous items on my credit report, and i haven't heard a response back yet, and its been pass the 30 day deadline. I sent off letters via certified mail on XX/XX/2020 they received said mail XX/XX/2020. XXXX and TRANSUION

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 2020-11-24
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have already disputed the illegitimacy of this debt with credit bureaus successfully, twice. After the first successful dispute in XX/XX/XXXX, Credence Resource Management passed my account off to a company called XXXX XXXX in the summer of XXXX. After another successful dispute in XX/XX/XXXX, Credence Resource Management is back to contacting me trying to collect on an amount that I do not owe. My accounts with XXXX are settled and their billing after my cancelation included multiple duplicate charges that are fraudulent. All of this has been explained to Credence Resource Management, Receivables Performance, and credit bureaus ( XXXX, XXXX, XXXX  ). 

Credence Resource Management now says if I pay them the amount that I do not owe they will consider the account closed and not report it again ( for a third time after two successful disputes ... ). Credence Resource Management says if I do not pay them within 30 days ( as of XX/XX/XXXX ), then they will go back to reporting this illegitimate debt to credit agencies again despite two successful disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the continuation of the previous case # XXXX XXXX. 
We have the financial explanation from the processors and submit in specific evidence of their inaccuracies the payment of XXXX taxes. XXXX claims they paid the taxes. The city and county placed a lien on the property and without payment were going to foreclose. There were several independent payments made by me to satisfy the lien and stop the foreclosure process. Without forensic financial review capabilities, it is difficult to accurately claim other discrepancies. There is no mention of who at and why XXXX applied an additional {$200000.00} charge on our 2nd mortgage and how much interest they had charged on the {$200000.00}. What are the legal consequences of arbitrarily adding such a large sum of money? This action along with not sufficiently explaining their actions catapulted the mistrust and deciding to hold them accountable for their actions. The reason for bankruptcy is in part due to this continuous deceit from XXXX. Why keep changing the processors and how much of the fees they incurred came from changing processors? 
Their financial representation does not match that of the XXXX city and county tax assessors records. 

Once they removed the {$200000.00} fee wrongfully/illegally to our second mortgage we were supposed to receive information identifying any charges and interest associated with the {$200000.00} and that was going to be applied to a reduction in principle. 
What happens now?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
First supervisor we talked to had said that THEY WOULD work with us and that the account WOULD NOT go into Active Collection until a future date, she also said that they would contact to other people on the account in order to collect their portion of the bill. The second person we talked to had stated that they do not work out deals and that the entire amount would have to be collected over the phone on the spot or else the account would be immediately would be sent to Active Collections. Also threatening to mark the account as " Refused To Pay '' when we said we could not pay it at that exact moment but could pay it in a few days. Then once we had told him that there were more people on the account and that we were all splitting the cost with he was then Refusing to contact them saying that we needed to pay immediately before the phone call was up. This second person was being very unprofessional using harsh language ( not explicit but very disrespectful ) and kept implementing scare tactics in order for a payment to be made. and when we told him that we talked to a supervisor and they had given us such information he said that they do not do anything in such manner. Finally during the midst of the entire conversation he unprofessionally had thrown us on hold with out saying a single word right in the middle of my sentence when I was explaining something to him.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
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:
ftc he Fair Debt Collection Practices Act ( FDCPA ) protects consumers from unfair and abusive collection practices. The law regulates professional, third-party collection businesses, agents and attorneys, but not " in-house '' collectors, or employees of creditors who collect their own debts. 

XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that its MINI Division violated the Magnuson-Moss Warranty Act by telling consumers that XXXX would void their warranty unless they used MINI parts and MINI dealers to perform maintenance and repair work.XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
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 received credit monitoring alerts that my credit score was impacted at Experian, XXXX and XXXX due to remarks placed on my XXXX XXXX XXXX Loan accounts. I contacted all four parties involved and each are pointing the finger at the other party. My student loans are under a Nationwide Administrative Forbearance until XX/XX/2020 due to COVID-19. I called all four organization in XXXX and XXXX of 2020 and each month my credit score has dropped XXXX points. This is unfair and I would like my credit score to go back to what is was prior to the remarks on my student loan account. I also do not want to have to contact them every month about my credit file being impacted.

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 2020-06-13
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: Their investigation did not fix an error on your report

Complaint:
I received credit monitoring alerts that my credit score was impacted at XXXX XXXX and Transunion due to remarks placed on my XXXX XXXX XXXX Loan accounts. I contacted all four parties involved and each are pointing the finger at the other party. My student loans are under a Nationwide Administrative Forbearance until XX/XX/2020 due to COVID-19. I called all four organization in XXXX and XXXX of 2020 and each month my credit score has dropped XXXX points. This is unfair and I would like my credit score to go back to what is was prior to the remarks on my student loan account. I also do not want to have to contact them every month about my credit file being impacted.

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 2016-10-05
Company: SIMM Associates, Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Simm Associates phoned my husband 's cell phone and my residence attempting to collect a debt in my deceased father 's name, threatening to sue me and file a negative credit report on my credit record, if I did n't pay the debt. The loan originator has n't contacted this company for debt collection. This company contacts consumers threatening a law suit if the debt is n't paid. The company does n't forward debt payments to the loan originating company. They keep all money/payments they receive for a debt. This company has numerous complaints filed against them for fraud and scams. This is a third party debt collection company, that does n't represent the loan originating company. This company is a fraud and scam.

Company response to consumer: Closed with explanation