BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-08
Company: AES/PHEAA
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Federal Student loan servicer for the Department of Education ( PHEAA operating under XXXX XXXX ) is reporting in excess of XXXX error on my credit report, including incorrect open dates, incorrect balances, the lender is not reporting payment history, erroneous derogatory remarks/comments, account status, and erroneous delinquent payments. The lender placed me in an authorized period of non-payment ( forbearance ), retroactively. The updates to my account cleared all delinquencies, and started my authorized period of non-payment ( forbearance ), beginning XXXX. However, the lender states they are not required to follow Fair Credit Reporting regulations per guidelines provide by the Department of Education. However, no one within the Department of Education, the lender 's office, or the Ombudsman has been able to provide a guidelines put forth by the Department of Education, directing federal student loan servicers to disregard the FTC governed Fair Credit Reporting Act, and continue to report delinquencies which has been removed from their system due to a retroactive forbearance, which is defined by the department of education as authorized period of non-payment. The Lender has is picking and choosing which information they want to report regarding my loans, most of which is grossly inaccurate. I have been requesting resolution on this issue since XX/XX/XXXX, which has included disputing the information with the credit reporting agencies, the lender, the ombudsman, and the lenders advocacy service, but have yet to receive the financial audit or the credit report corrections I have repeatedly requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Late fee

Complaint:
Signed up for Synchrony Bank credit card from XXXX XXXX, as a promotion, and after setting up Auto Pay, they disabled it, claiming it was n't a valid checking account, and made no effort to report an error and instead sent it to collections. Spoke on the phone and told me their policy is to not make any calls to account holders. Only way I knew of the error was from their next months statement saying I have n't been paying. Their system has changed other info as well. Went onto their site and upon logging in, I had to supply them with my email, claiming they did not have one on file. They clearly had it to send me my statements. Got nowhere over the phone. I have the name and employee ID of the woman I spoke with that I can supply.

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 2015-11-27
Company: Consumer Financial Services
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX/XXXX/2015, I went to Consumer Financial Services in an attempt to finance a vehicle. After, finding the vehicle I wanted, paying a down payment of {$500.00} and signing the contract, I waited for car to be brought around with the necessary registration. Soon after, the owner was unable to find the registration and advised his porter to drive me back to the car lot of XXXX XXXX XXXX to pick up some temporary plates. The porter drove the vehicle to the car lot and in route, the car 's engine blew up. I immediately advised that I was not interested in that car or any car from their lot, and would like my money back. The owner than informed me that he could hold my deposit until to 30 days, but would give it to me the next day. The next day came, no money, the day after and no money. Finally I contacted the police and they advised that they could do nothing, as this was civil matter, however, they would see if they could reason with the owner to give me my money back. The owner did not show up that day to speak with police or myself and kept having the ladies in the office to say he was n't there. On the 3rd day, he finally gave me a call to pick up my funds. Fast forward to XXXX XXXX, 2015, I pulled my credit report and found that Consumer Financial has put this car on my credit report even though I never received a vehicle from them and my deposit was returned. I contacted their office and they informed me that the car could not be removed from my credit until they sold it and hung up the phone. I tried calling back and once they knew it was me they would hang up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
told XXXX times to mail not call. XXXX time would not give me address to send cease of communications notice. would not provide address unless i " talked about the debt '' like did i think i did not owe the debt etc etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Unable to get a credit score or report because all of the ph # they day are associated with me are not, asks my mthly auto payment from purchase in XXXX & I 've never bought a car, asks about mortar from XXXX and I 've never bought a house or had a mortage, no score and no report and all associated cities and numbers are not associated with me whatsoever.

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 2016-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I LEGALLY resumed my maiden last name on XX/XX/2014, since then I notified all my creditors to change my last name from XXXX to XXXX, I have the deed ' for my house changed, my vehicles, US passport, ALL documents and creditors have been changed including XXXX and XXXX. Well the issue is against Trans Union, they have told me over and over that they can not change my primary last name to XXXX because they claimed that my creditors are reporting me under the old last name. I have confronted ALL my creditors 3 times, and none of them are reporting me with the old last name. 
All I want is for Trans Union to report my legal name correctly, it is impossible to deal with them ... .How come XXXX and XXXX do not have the same issue? 
I find it illegal that Trans Union will not speak to me unless I give them my old last name. 
I need this rectify asap.

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 2016-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed inaccurate information on my credit report with XXXX companies ( XXXX and transunion ). XXXX got back to me within 1-2 weeks and removed the innacurate information. Transunion has not done the same and they did an inadequate investigation and I have further disputed it. I have submitted to them proof where XXXX has removed the innacurate information but transunion sent me a letter where they stated that they could not find my credit report. I have submitted to them all of my information including the file number. They are delaying and denying my claims and they are doing so in a criminal and fradulent manner. I have contacted them 2 times by phone and 2 times by fax and they refuse to resolve my complaint.

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 2015-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion file # XXXX, will not take off the paid in full account by the name of XXXX XXXX XXXX in the report dated XXXX/XXXX/15. Collection XXXX reports twice a month to TransUnion, and they refuse to remove the paid collection until XXXX XXXX 2015! This is unacceptable and violates FCRA laws! I reported these discrepancy in XXXX 2015. Now TransUnion continues to create damages to my credit integrity that leaves incorrect information and paid accounts on my report instead of taking it off my report in XXXX 2015 and having my credit scores raised for the months of XXXX and XXXX 2015. I demand that my credit scores are to be enhanced and rescored from the time the collection accounts were erroneous and incorrect information from the dates of XXXX/XXXX/14 with XXXX ( acct # XXXX ) to be reached at XXXX and XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ) to be reached at XXXX. XXXX XXXX XXXX told me they have reported this account paid in full " twice '' in the month of XXXX 2015 and TransUnion wo n't remove it off my credit profile so my credit scores will be raised higher for both the months of XXXX and XXXX of 2015 and moving forward.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
COLLECTION/CHARGE-OFF ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT WAS CLOSED. 
COLLECTIONS IS A CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THESE ACCOUNTS SHOULDN'T BE REPORTING OPEN, NO LIMIT NO PAST DUE AND NO PAYMENT STATUS PER FCRA. INACCURATE DATE LAST ACTIVE, DATE OF LAST PAYMENT, LAST REPORTED. ALL VIOLATIONS NEED REMOVING. 
1.XXXX  XXXX  2.XXXX  XXXX  3. XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Delbert Services
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
westersky gave the loan to cashcall with gave the loan to delbert servicei have been get threateding phone call XXXX that is calling from XXXX group ( XXXX ) XXXX say that i need to contact or my lawery because some serious allegations was filed. she has been call me employment and cell phone and know they started to call me husband. they told me husband that this call on the behalf of delbert service. and left him the same message. this lady has called for XXXX weeks straight. know i am getting threating calls for a XXXX states a file was giving to her and that i need to contact there office and that is is only notify me and that i have till XXXX XXXX and that XXXX XXXX XXXX bewteen XXXX and XXXX they are going to me place of employement or home. and top take that i been served

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have multiple inquiries on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquiries are still there. The credit bureaus said invalid dispute or verified inquiry.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 'm writing this complaint because I have an account on my credit file that is not correct and should not be reporting. The collection agency XXXX XXXX is reporting an account for XXXX for the amount {$590.00}. I do not owe this amount to XXXX before leaving all accounts was paid in full. This account is reporting to be open in XX/XX/XXXX or XX/XX/XXXX, so this is why I do not have any receipt to show my XXXX balance because I was not aware they would just not in XX/XX/XXXX put this false information on my credit file. Please I 'm requesting this account be removed and I also have disputed this account multiple time with the credit bureaus and they are not doing a proper investigation. Just because they can verify information does not prove I owe any account balance. What I do not understand why they choose to wait until this year to report this inaccurate information. Also I have had this account deleted before from another collection agency. I file a complaint previous with all XXXX credit bureaus on XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-23
Company: Duncan Solutions, lnc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I found that I owe {$130.00} to a company named " XXXX '' when I checked my credit report. I do n't know what this debt is for, what this company is. No type of contact was made or attempted by this company to let me know why I owe this money and how I can pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have several inquiries on my credit report from XX/XX/XXXX through today. 
At one point I got them all taken off and now they are back on? Please help. What can I do. Here are the ones that have been removed and now are back on. 
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 I do n't even know what some of these are?? Please let me know what I need to do. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion kept on reporting a debt that has been paid already. These debts are as follows : XXXX XXXX XXXX for {$150.00} and XXXX for {$290.00}. All these debts have been paid yet TransUnion kept on reporting it as an " open '' collection.

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 2015-11-20
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage from XXXX XXXX was sold to Ditech Financial XXXX this year, but not before making a mistake on the Escrow Analysis that raised my payments almost {$200.00} a month. I call Ditech in XXXX and informed them of the error, but they informed me they could not do anything for 45 days. I was sent a letter from Ditech informing me to send a check for the first payment, and Auto-pay would be implemented the following month. I did that very thing. The check cleared on XXXX XXXX, but my account was not credited. I later received a notice from Ditech Collections citing my payment past due. After numerous phone calls, XXXX representative was very helpful to me and discovered my payment had been credited to the wrong account ( this was the first part of XXXX ). She assured me it would be resolved immediately. I also had requested an Escrow Analysis on XXXX XXXX. I received an Escrow statement dated XXXX XXXX citing an overage of {$1900.00}, and a new monthly payment that was about {$3.00} more than my original payment to XXXX. I was to get a refund, but that was to be used for my account if it was not current. I have called Ditech numerous times to check the status of my account, and to date they still have not updated my account and consider it past due. I have not missed a single payment and have provided proof of payment three times. They have consistently told me they " ca n't do anything at this time '' regarding most of my requests. I have been very deliberate in my discussions with them, but have never been insulting nor have I cursed them. Supposedly their phone calls are recorded. Regardless, I have just today received my bill for the XXXX payment, and my account is still listed as past due.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
OCWEN MORTGAGE SERVICING IS HOLDING PAYMENT OF THE POLICY LIMITS FOR UNDISPUTED DAMAGES TO OUR PROPERTY DUE TO FIRESINCE XXXX XXXX, 2014. WE HAVE CONTACTED THEM IN WRITING XXXX TIMES SINCE XXXX SUPPLYING UPDATES ON THE REBUILD AND PROOF OF PAYMENT. THERE HAS BEEN NO RESPONSE OR REQUESTS FROM OCWEN REGARDING OUR COMMUNICATION NOR HAVE WE RECEIVED OUR CLAIM CHECK.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. My mom and I was made aware that there are some debts on my credit report. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity.

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 2015-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX sold the credit card account then I paid it off and they are listing it as open and are refusing to talk to me or even contact the company that purchased it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account is reporting inaccurate # XXXX and this account XXXX does not belong to me. The accounts being reported inaccurately are hindering me from gaining a proper credit rating. I request that agents of Transunion go beyond a cursory investigation into this mater.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Unauthorized inquiry and/or unknown company

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 2022-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am disputing Capital one of this alleged debt. 

Capital One has violated my right to privacy. Capital one has not notified me of my right to dispute debt. Capital One is defaming and humilating me with their unfair, impartial and negative reporting. 

Capital one has used multiple tactics to make me believe they were NOT a debt collector. Capital One has harassed me through texts, emails and phone calls trying to collect on this alleged debt. Not once did they notify me of my rights as a consumer. 

I am exercising my rights in good faith as a consumer and am notifying Capital One of this dispute. I expect Capital One to cease reporting adversely and to cease & desist communicating with me.

Company response to consumer: Closed with explanation