BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
I requested and was granted by XXXX XXXX a payment accommodation ( deferral ) plan on or about XXXX XXXX 2022  in accordance with the Cares Act. My account # is XXXX. Late payments were reported in XXXX and XXXX XXXX 2022. On two different occasions XXXX XXXX reported me late to the credit bureaus adversely affecting my credit. XXXX XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection under the Cares Act regarding credit reporting an scores. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX failed to do that and reported me late severely damaging my credit score, and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.

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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
n accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602A 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 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 2022-03-14
Company: CCS Financial Services, Inc.
State: FL
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:
Credit Collection Services XXXX XXXX XXXX XXXX MA XXXX has a collection on my credit report for {$2900.00} for XXXX XXXX XXXX. This account is not mine. In fact, I can't think of a cable company allowing a consumer to rack up almost {$3000.00} in overdue payments without shutting off services. I am a military spouse as well and currently have XXXX XXXX cable. According to my credit report, account was opened in XXXX 2020.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XX/XX/XXXX Capital one auto took our Vehicle, During the agreement that I thought we had and was waiting for documents in the mail, as we modified our terms due to a death in the family, as they possession of the Vehicle we had attempted to speak to anyone at Capital -one to find out how we can recover our Truck back, we were never given any correct answers to this or even where the Vehicle had been taken, we were told we would receive a call back or letter in the mail, so we needed to wait, i called a week later and was told by another person, someone from the repo dept will be in touch I made it clear we also had personal belongings in their and items my husband needed for work that this was very important, 2 more weeks went by and now i have NYS dmv asking me for the plates, How can i return plates back when no-body will tell us where the truck is and why cant we pay and have it back, as we continue to try to get answers we find out our license is now suspended in NYS due to the plates, we are now in XX/XX/XXXX and I can say we are still waiting for this so called certification letter, or Phone call, never knew they sold my vehicle, Nothing absolutely not one correspondence from them via phone, Email, or certified letter. We decide we are going to buy a home this year to find out capital one is on our credit report with this enormous amount of money they are trying to collect during a charge off, I have been disputing this with all XXXX CRA and the company, on mine and my Husbands reports, How does Capital one keep Validating this charge, When i could n't get a time or day with them, to fix this problem XX/XX/XXXX and now they want over {$9.00} for a vehicle they would n't let us have back after an agreed modification, Where are our rights, The CRA claim there rights with FCRA, Then when i dispute it again, the CRA come back saying there not on my report and they close it, following month they reappear on our reports Where are our rights with this company '' this game playing is for children '' and i have no time for this I have been requesting for years, and even more now, I want to see CERTIFIED ( copies ) of all mailings they have sent to us giving us a chance to pay arrears ( even thou they did a modification with us ) or getting our belongings what did they sell our vehicle for? where was it? where is our belongings? we have no answers I have months years of paper trail, with no responses other than from the CRA saying it remains on the credit reports PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX this amt was deducted from my chase bank and chase bank is not solving it and holding my acct balance and will not release it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
First contact was via phone on XXXX/XXXX/XXXX to inform them that I was denied a credit line XXXX XXXX, XXXX and that I have pulled my reports from all three bureaus to find fraudulent accounts opened in my name that are now derogatory. They instructed me to fax the documents to XXXX. 
I faxed the following documents : FTC ID Theft Fraud Affidavit City of XXXX Police Report I contact Equifax on XXXX/XXXX/XXXX to see if they have received the documentation. They informed me that they have not received the documents. I asked the rep to confirm the fax number to ensure I had the correct fax number. The rep confirmed it to be correct. I told the rep I 'd fax the documents again. 

I waited a few days an called Equifax on XXXX/XXXX/XXXX. They confirmed that the documents were received and that they started processing on XXXX/XXXX/XXXX. The rep gave me a confirmation number and told me the process can take up to 30 days. 

On XXXX/XXXX/XXXX, I received an email that the processing was completed. I reviewed everything to find that the XXXX Account ( Mortgage Fraud Account ), a few addresses, and inquiries were not removed. 

I immediately contacted Equifax to find out why and when speaking to a rep I found out that they are are still processing it. She insisted I contact XXXX. I explained to her that I did and found out they do not have a fraud department nor would provide me with the lenders direct contact information. 

I then sent certified mail with return receipt to Equifax on XXXX/XXXX/XXXX which contained a letter to update my personal information to the correct information, block the fraudulent accounts, remove inquiries due to fraud ID theft, to inform all creditors that issued credit in the past year that I am a victim of fraud and ID theft, and to remove me from all promotional mailing lists. The letter included the following : A copy of my passport ( Govt issued ID ) A copy of my car insurance statement ( To verify my address ) A copy of the FTC Fraud ID Theft Affidavit A copy of the Police Report A copy of the FCRA I did this to ensure that they had all documents to perform all the things requested and to understand that it is my consumer right to request this. 

Equifax received letter on XXXX/XXXX/XXXX. 

I called Equifax today, XXXX/XXXX/XXXX, to get an update. The rep told me that the items were removed. I told her I had an Equifax membership for unlimited report and score. I pulled a new report and score while she was on the phone. I explained to her that they fraudulent information is still there. I also explained to the rep that it 's been over 30 days and that TransUnion received the same documentation and was able to rectify the errors on the report immediately. The rep then offered an a promo code to purchase all three reports and scores at a discounted price to get exactly what is sent and seen by creditors. I declined the offer and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We had a loan modification put in place XX/XX/XXXX that expired XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX and the lender determined the monthly payment of {$1500.00} and the term ending in XX/XX/XXXX. This was not a re-modification but the remaining loan conditions. 

A transfer of loan servicing companies occurred during XX/XX/XXXX with payments due to the new company, BSI Financial Services, in XX/XX/XXXX. Timely payments have been made with the old servicing company as well as the new servicing company with all terms staying the same. 

As of today 's date, no XX/XX/XXXX statement is available ( usually mailed and nothing is online ). To our shock, the online account information shows the XX/XX/XXXX payment due of {$5200.00}. 

Why and how can a new loan servicing company just change the payment? Do we have to wonder if we can stay in our home every time a new servicing company is hired? 

The main issue is how do they have the legal right to change our loan? The modification period was over XX/XX/XXXX. The remaining rate and terms were decided at that time. Since that decision we 've made all payments on time. Nothing else has changed except a sudden change in our payment without notice, without a statement, without a reason, and besides all of that, about a 16 % interest rate. 

Notices from both servicing companies that announced a new Servicer will be collecting the loan payment state " Nothing else about the mortgage loan will change. '' Per BSI Financial Services, we can not make our normal payment of {$1500.00} because it will only be put into the " unapplied funds '' account. Only {$5200.00} will be accepted. 

So we not only have an invalid ridiculous payment change but now our good record and credit are in jeopardy since we can not make our valid mortgage payment. 

As XXXX XXXX barely making ends meet, we do not need this duress and stress. 

There is absolutely no reason for the new servicing company, BSI Financial Services, to change our loan terms, and even if we were n't seniors, this is outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: HI
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:
I requested and was granted by XXXX XXXX a payment accommodation ( deferral ) plan on or about XXXX of XXXX  in accordance with the Cares Act. My account # is XXXX. Reported late payments was in XX/XX/2022. XXXX XXXX reported me late to the credit bureaus adversely affected my credit. XXXX XXXX was prohibited in reporting me late as I was making modified, on-time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. XXXX XXXX was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open a business account from Bank of America. I was informed an account was closed in 2007 and could not provide me any details as to why. 

The representative informed me, they don't have the data and could not provide me any details on the outcome of the closure. I very concerned as to why I don't recall any closure from over 14 years ago.

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 2022-03-14
Company: SYNCHRONY FINANCIAL
State: OR
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: Problem with personal statement of dispute

Complaint:
I have issues with XXXX and a reporting that continues there is a old account closed in XXXX still reporting and they even reported it first being major delinquent in XXXX I asked to get this deleted every month it is adding remarks to my account and dropping my credit score 42 points this month 36 last month and 31 in XXXX please delete this account from my reporting agencies I called both XXXX multiple times and synchrony bank and both were rude and denied my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: MEI AUTO FINANCE 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 information incorrect

Complaint:
XXXX shows a balance of {$7400.00} ( Account opened XXXXXXXX ) I contacted the company 3 times via telephone & 2 times via mail requesting the VIN # of the vehicle and the amount the vehicle was either resold for or sold at Auction for and notifying them that legally that amount had to be removed from my remaining balance - The company refused to give the requested information - Also refused to adjust the balance. 

Request that the balance be adjusted /corrected and or removed from my credit report

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
OnXX/XX/XXXX, I was notified of a garnishment that would soon commence by the Human Resource department. After reviewing the summons signed by judge, I was able to ascertain a case number for the judgement. The summons was submitted by Plaintiff : c/o XXXX XXXX XXXX, XXXX Aldridge Pite Haan XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX. XXXX. APH File number : XXXX. This is where it gets squirrely. Based on the case #, I was able to pick up copies from the court house., XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX , Attorney at Law - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , GA XXXX XXXX filed a suit stating an amount owed of {$1000.00} plus $ XXXX-attorney fees ; interest {$350.00} and court costs of {$100.00} totaling {$1600.00} with {$5.00} FiFa fees. Included are also 4 different bills for sale for companies that are all out of business. There is also a generic cardmember agreement for XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX  filed an affidavit for breach of contract and failure to file answer with court. I have no contract. I never received copies of the summons nor judgment. XXXX XXXX XXXX sold account to Aldridge Pite Haan, which have filed to enforce judgement by way of garnishment. However, After contacting XXXX XXXX XXXX to ascertain what the debt claim is for, they advise they have no information and are working solely from the judgment. The current company Aldridge Pite Haan, also state they do not have any information regarding the debt. Aldridge Pite Haan filed for garnishment in the amount of {$2800.00}. I do not know what this debt is and unable to trace through my credit report either. Please help! I have exhausted all avenues to trace the origin to no avail, as all are out of business or claim to not have the information. I do n't understand how companies can file legal paperwork with no proof of debt. In my attempts to research, I also found documentation of shady business practices by XXXX XXXX XXXX XXXX XXXX. I believe my case falls within claims against 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 2016-11-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
My wife and I recently sent the attached follow-up letter to Equifax. We were following up with them because it had been over 45 days since we had requested credit investigations. To date, we have still not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions Inc.
State: IL
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:
It appears to be a few inquiries on my credit report that i am unaware of, it appears that someone utilized my social to potentially get credit cards, and or auto loans under my name. 

Experian XXXX XXXX XXXX XXXX  from XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Please investigate this as it violates my consumer rights as these inquiries are obsolete and in accurate.

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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
n accordance with the fair credit reporting act 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 604A Section 2 it also states a consumer reporting agency can not furnish account without my written instructions.

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 2017-11-28
Company: BARCLAYS BANK DELAWARE
State: MN
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 reported unauthorized charges on this account and Barclays is billing me for this fraud charges that occurred on this card. LUXURY CARD ... XXXX. 
The balance should be XXXX. I have been on the phone with Barclays and I have been passed to department after department with no help on this matter.

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 2022-03-14
Company: Cascade Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please reference complaint ID XXXX. It has been closed by the company. Though it did provide additional information it is without resolution so I am trying to get clarification as to my knowledge XXXX has closed and has no direct way to reach them. The last email I was able to receive regarding my bill from XXXX in XX/XX/2019 stated the physician claim was billed incorrectly and was being appealed. Afterwards I only received a facility fee bill and have never received any bills about a physician fee. I contacted XXXX  today to get clarification on the physician portion as I no longer have access to the claims since they are over 24 months. They also stated the physician fees was processed incorrectly so they will be refiling which can take up to 30 days.

Company response to consumer: Closed with explanation