BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX is claiming I am 30 days late with a payment. I paid it 5 days late in XX/XX/XXXX. I also paid the XX/XX/XXXX. payment then, too. I thought 30 days late meant I would pay a bill on or after XX/XX/XXXX for a XX/XX/XXXX due date. it is not fair. Also, I feel discriminated against because I am woman with a stay at home husband and children too support. My score would be higher if I was a man with a stay at home wife. I own my home, keep a current mortgage and make a XXXX figure salary as an ICU nurse and I go to school. The credit reporting companies are always for big business and rich people. Not people who work like dogs to provide for their families.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have file XXXX complaints with Equifax to remove the XXXX student loans accounts for XXXX XXXX XXXX ( XXXX ) because they have reached the 7 years mark of being on my credit report. Each time they wrote back stating that after the investigation of the XXXX accounts belong to me ; but my request stated that my dispute was that the accounts has been on my report for 7 years from its XXXX delinquency not if the accounts belong to me! I feel like this is a tactic of theirs by giving me the run around to be able to report debt pass the legal law requirement. I have attached the letter of dispute I sent to Equifax XXXX/XXXX/XXXX, the tracking number for proof of delivery, Equifax response credit File number Confirmation # XXXX date XXXX/XXXX/XXXX of the investigation to my request of dispute, XXXX file number XXXX Equifax response to my question regarding how long information remains on file, XXXX Equifax credit file number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for XXXX, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for XXXX, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for XXXX and a XXXX letter head from XXXX. Please have the XXXX XXXX XXXX ( XXXX ) remove from my credit report, for they have served there serve years from the XXXX date of delinquency on my credit report. I believe XXXX has an account with Equifax and that is the reason they are giving me a hard time ( the run around ) with removing the XXXX accounts XXXX is reporting on my credit report. I sent the same request to XXXX and XXXX and the accounts was removed. This company has broken many law and has learn how to avoid CFPB by not being a register company. They report on my credit report as XXXX XXXX XXXX XXXX Equifax and XXXX on XXXX, XXXX XXXX XXXX ( XXXX ) on XXXX, but is registered as XXXX XXXX XXXX. My complaints with CFPB in XXXX stated they could not investigate XXXX XXXX XXXX because the company could not be found and I can not file a complaint that has XXXX names ( ie. XXXX/XXXX ). It 's my belief that XXXX is practicing fraudulent tactics and really need to be investigated fully! Also Equifax needs to be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted Equifax in regards to inquires on my credit report that I did not authorize. I was told that they are factual & to contact the company.because the company verified them. I contacted all of the companies and they do not have any form of authorization from me that gave them permission to make an inquiry into my credit & they have not verified this information to Equifax. I sent another letter to Equifax making them aware of this & they still continue to report false unverified information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: CORELOGIC INC
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
THIS IS NOT MY ACCOUNT. I HAVE DISPUTED WITH CREDIT BUREAUS AND IT COMES BACK VERIFIED. I HAVE NEVER APPLIED FOR CREDIT WITH THIS COMPANY, PLEASE REMOVE FRAUDULANT INQUIRY 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 2018-06-28
Company: Experian Information Solutions Inc.
State: RI
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 was going through my credit report last month and noticed several credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of these creditors and credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them, I being giving run around. I've also personally wrote to the credit bureaus to look into this, and I just received auto template mentioned that I need to contact the Creditors/Companies that I haven't authorized them. I do not believe I authorized anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and would like these hard inquiries removed completely from my credit file :

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 2021-03-20
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hunter and Warfield keeps calling and harassing me about an old debt to my previous landlord. I explained to them several times that I couldnt previously pay the debt because I was out of work due to COVID. I also stated that since Im back working that I wanted to pay what I owed. The landlord is trying to charge extra money for old carpet and I was living there for eight years. The agent started being very disrespectful and had previously hung up on me when I wouldnt agree to pay the amount that they requested. I talked about the interaction with a different person but the rude one keeps calling and being very disrespectful. I have told him several times to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian advised me to contact a collector ( XXXX ) for proper documentation since they had validated a dispute I initiated with the CRA. I followed their advise, to which the collector was unable to properly validate. I never received validation from collector after several attempts, I just received a printout. I then sent all documentation to the CRA and asked them to remove the account in question, to which their final response was ... '' We have previously processed this dispute and the credit grantor has verified its accuracy. " ... we will not re-investigate. I have all supporting documents including printout if needed.

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 2016-01-08
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I filed for chapter XXXX Bankruptcy in XXXX and was discharged in XXXX XXXX the Mortgage with Ocwen was not included in the plan and was paid directly to Ocwen by me for the full mortgage contract payment. There was no modifications, no cram down no reduction in interest. Ocwen is reporting the loan as being discharged in the bankruptcy. Ocwen has failed to accurately report information to XXXX, XXXX and is not reporting at all to XXXX XXXX after my initial complaint in XXXX of XXXX. In Addition after the XXXX XXXX complaint Ocwen reported my loan as being included in a bankruptcy beginning XXXX XXXX. 
I have filed XXXX disputes with XXXX and XXXX as well as communicated my concerns directly to Ocwen. I have been denied credit based on the incorrect information in addition to the added cost of credit due to a lower score caused by this misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Bepensa Capital, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have been harassed, called before XXXX my time, been harassed even after I obtained and Attorney for Bankruptcy, called name ... .The list go 's on and on

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Diversified Consultants, Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
my disputed bill with att phone compagny was paid in amount of XXXX $ but the collection company added another amount that i am not aware about and now it showing in my credit report as a negative itemes

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: WELLS FARGO & COMPANY
State: MT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was emailed that my online account had been suspended. It stated my account password had been entered XXXX times. Well ... ... .I have not tried to get into my account for weeks. I tried to call Wells Fargo and the kept transferring me and repeatedly asked me for my information. They would not transfer me to the fraud department. I am a XXXX veteran with a XXXX and they would not help me. I do n't want some XXXX to access my equity in my home or open new debt. So I want to know what happened and what they are going to do but obviously they are not going to do anything I wish they did n't buy my mortgage!!!! i certainly would never do business with Wells Fargo in the future!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-19
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Someone from out of the US transferred funds from my paypal account that was associated with my personal checking account causing me to have to close my personal account with my bank I have created several disputes about the XXXX drafts from my account and everytime I have created a dispute over this they have closed it and dismissed it. I would like for the money to be put back in my pay pal account since I have no checking account due to it having to be closed so they could not get more money from me. I am at my witts end with pay pal and their customer service sucks I have yet to get any help with this and it occurred on the XXXX of XXXX 2015 I would appreciate any help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2015-03-31
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a payday loan in 2013 ... .circumstance caused me to default on the loan. I employed a service to set up arrangements to pay the debt. The payday loan company would not respond to requests to verify the loan and set up payment arrangements. The debt has been sold to a collection agency who has increased the amount of the loan by an additional {$500.00} and is threatening to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Equipment was returned. This collection agency keeps calling. They also illegally keep reopening this XXXX to 5 year case as though it occurred in 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX, I attempted to make a monthly paymentfor my second note, which was refused. The balanceis now showing {$0.00}, which tells me it may have beensold or transferred to another servicer. I have not received anyof this via email ( preferred ) or regular mail. I now am two monthswithout a payment on the XXXX note because Ido not know who to pay. The servicer has beenOcwen and in trying to call they will not answer myquestions. I left a voice message : no response. 
I left an email message with no response. I attemptedan online email request to their Ombudsman and the responsegiven is the loan does not exist with no match forthe loan number or my soc sec number. 
I finally reached someone on the telephonetonight, and they tried to transfer me to anotherperson. I asked if they were transferring my callto another servicer, and the rep said no. She wastransferring me to another section in XXXXwho could answer my questions. I asked if myloan was transferred to another servicer, and shesaid she could n't answer, which is why she wastransferring me to someone who had the clearance. 
This morning I received a call on my home phone, but was too late to answer. They did not leave a messageand, when I redialed the number, got a fast busy signal. 
I have had people call me at work yet they do not leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I was notified this morning by XXXX which I am subscribed there was a credit alert posted on XXXX/XXXX/16. I logged in to XXXX XXXX XXXX XXXX had pulled a copy of my credit report as result of loan or credit application - see below : Inquiry - XXXX XXXX XXXX, 2016 XXXX obtained a copy of your TRANSUNION Credit Report. 
Alert Type : New Inquiry Found On : XXXX XXXX, 2016 New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert Date XXXX XXXX, 2016 Source TRANSUNION Phone ( XXXX ) XXXX Address XXXX XXXX XXXX, MD XXXX Activity Company XXXX I never applied for a credit or loan with this company and need to find out how this can be removed as they were not authorized to obtain my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX of the FCRA -they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 2017-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Capital  One Auto Finance has been reporting unverifiable and inaccurate information on my credit which has da maged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Monday morning at XXXX, I received a unknown number leaving a voicemail in a aggressive manner that if I do n't call back they will have someone pick me up where I live. It 's a payday loan from cash central. My bank account I had was closed at the time because they kept trying to take money out causing it to closed. Now they saying by XXXX XXXX, I can pay {$680.00} or {$100.00}. I never even received no email or letter. So I think they are lying and I do n't appreciate them calling my XXXX house threatening me and rushing to make a payment. Their are tons of people who owe {$4000.00} XXXX XXXX and getting away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My Bank of America Rewards Visa Card ( ending XXXX ) was assessed interest of {$28.00} on XX/XX/XXXX on a previous months unpaid balance of {$2.00}. The previous months ( XXXX ) total balance was {$97.00} but only {$95.00} was paid in error. The card charges 16.99 % interest on unpaid balances but I was assessed a charge of {$28.00}. I should have been charged XXXX cents on the unpaid balance of {$2.00}. 

I called a representative of the bank and was assured the charge would be removed and was given this complaint number ( XXXX ). The charge remained on my account when I viewed it on line so I called to inquire of its status. The representative stated the complaint was reviewed and the charge was valid. 

The bank has not provided any explanation for charging me {$28.00} on a carryover balance of {$2.00}. 

I have good excellent credit and always pay my credit cards in full each month. If the bank claims there were other unpaid charges which justify this bogus charge they will be lying. I will gladly provide documentation showing when balances were paid upon request. 

I hope you can assist me in resolving this issue. I am a veteran on a XXXX and feel like I am being targeted. Thanks

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 2016-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have received the credit report from TransUnion on XXXX and I found I have a missed payment on a credit card of XXXX that has been already closed. I have neither opened it nor closed it and I have never missed payment in my history. I disputed this problem to the TransUnion about 20 days ago and received massage from them that it said they have already completed my dispute and made changes to my credit report, but I found it is no any changes on my credit report today. My credit score has been put down very low now. So I urge you to ask them to make real investigation of the dispute my recently submitted and give me a correct result. Thanks.

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 2016-08-30
Company: Northeast Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a voicemail message on XXXX XXXX, 2016. The message stated that the caller was calling in reference to a complaint pending against me in XXXX XXXX. The caller stated my name and left a call back number. The caller also contacted XXXX family members on this day leaving the same message. On XXXX/XXXX/2016 the caller contacted another family member with the same message and called me. I answered the call which was a recording and then called the call back number. Upon speaking to a male representative, I verified my name and asked to have my number and family member 's number 's removed from the call list. The representative stated that I was upset that the company had called my family and needed to stop running from the situation. I continued to insist that our numbers were removed and the representative hung up. I called back and spoke to another representative, XXXX XXXX. I again requested to have our phone numbers removed and was told that I was not able to do have them removed and that I was " not in control '' of the situation. The representative, XXXX XXXX, proceeded to tell me that I owed money that needed to be paid. I explained that I was aware of my rights to have my number and family members number removed. The representative became noticeably upset called me a " thief '' and hung up the phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation