BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-09
Company: BCB Investments LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The company has contacted my employer a total of XXXX times in the past 2 weeks. The company has NOT attempted to contact me at my personal residence or personal phone number. The company was alerted that he is calling a place of business and he should reach out via personal cellphone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2020-09-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
on XX/XX/, Ace cash express called me and left a voicemail threatening to " locate '' me and that they threatened to file suit against me if i did not call and pay. I called scared and talked about a payment plan. I did want them to have my card information, so after the call attempted to reach the person who left the original message. After being unable to reach them, I was call today by the same lady who left a voicemail that they will disclose my information to my employer and " locate '' me, despite them giving them my address. I have noticed that they have been charged with the same offences that have happened to me, such as threatening to file suit if I do not pay them. I would like to see what can be done. They also threatened to " use my recording against me. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX XXXX. Under the FCRA Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies must provide a copy of the verifiable original creditor documentation if it is requested by you the consumer. TRANSUNION can not provide verification to me because I have not authorized any creditors to share my information. According to section 609 ( a ) ( 1 ) ( A ), in the FCRA all CRA 's must show proof of all reporting accounts on my credit report in the form of a physical contract document per my written request to do so - the account is classified as UNVERIFIED and under the FCRA - all UNVERIFIED accounts MUST BE DELETED. THIS ACCOUNT IS NOT MINE but whether the account is correct or not - makes no difference. If the CRA can not provide you physical verification of the account - it is an UNVERIFIED account and MUST BE DELETED. They are reporting information to my credit report in violation of section 609 of the Fair Crediting Reporting Act. They are also sharing UNVERIFIED information with creditors and potential creditors without being in compliance with the FCRA passed by congress. THEY ARE BREAKING THE LAW! I want all UNVERIFIED ACCOUNTS removed from my credit whether they are valid or not IMMEDIATELY from my credit profile!! TRANSUNION IS IN VIOLATION OF MY CONSUMER RIGHTS AND I WOULD LIKE THIS CORRECTED IMMEDIATELY. PLEASE CONTACT THEM AND HAVE THEM CORRECT THIS

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 2017-05-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In or around  XXXX   XXXX , I purchased a vehicle and informed Equifax,   XXXX   and   XXXX    that they are incorrectly reporting a judgment on my report.   XXXX   and  XXXX  have since removed it. I purchased another vehicle  (   XXXX / XXXX / XXXX   ), and was shocked that Equifax did not remove this derogatory remark which increased my monthly paym ent due to the interest rate. I gave proof to Equifax in  XXXX  that there was not a judgment entered in favor of a prior Landlord in  XXXX  against me. In  XXXX  I called the clerk 's office of the jurisdiction of whom recorded it. They advised that they do not report, emailed the pla intiff 's attorney he advised that they do not report, or the creditor ( in this matter being the " Landlord ''.  I settled this matter before it even went to litigation, because I did not want my credit reflecting a judgment, and have been penalized for the last 6 years. I emailed the attorney again on  XXXX / XXXX / XXXX  and he advised that I need to co ntact the CBR agency b ecause he nor his clients can do anything about it.     Judgment recorded  XXXX  for {$4200.00} against another party

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I did not get a mortgage loan from XXXX conventional real estate it says the account open XX/XX/XXXX it was a joint account loan for was for {$28000.00} and the last payment was made XX/XX/XXXX. This mortgage company is from the south and I 've never lived in that area or applied for a mortgage loan. Thank you for your time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
After months of trying to amicably resolve this with this company, I then went to my credit card company, Capital One and addressed my concerns and requested that a case be opened on each file. After being promised that a file was opened, and calling back three times to find out this was not the case, trying to do this three different times without success, I asked for a manager by the name of XXXX who was able to assist me in opening the case. She advised based on the date of the transactions, that they would need to send this to the back office for review. NEVER once was I told under yesterday of the timeline I had to dispute such transactions. NEVER WAS I TOLD until TODAY the true status of my case after I was told several times that I would be contacted by mail within 10 days. Nothing has happened. They have requested paperwork that they've sent to MC only for me to be denied and ultimately for me to be re-billed. This is totally unfair and I have not been afforded the protection this company BOASTS of in protecting their customers. 

Only today was I given the correct information about the timeline for disputes, only today after calling for weeks to get an update that each representative promised would occur in writing in 10 days did I receive one after speaking with XXXX ( XXXX ) who informed me that my disputes were filed against Mastercard 's timeline and that Capital One would ultimately re-bill those provisional credit back to my card. I was advised to contact MC, only to be told by MC that THEY WERE NOT investigating any case and transferred me back to Capital One. The only thing that has been consistent is the inconsistent information and the POOR customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I refinanced my mortgage with AmeriSave back in XXXX 2015. At the time, they promised me a {$400.00} refund of my home appraisal fee. I have yet to see any of that money. My attempts to reconcile the issue have been ignored by the people in charge.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-30
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a certified letter to Phoenix Recovery Group on XX/XX/2020, certified mail receipt # XXXX XXXX XXXX XXXX XXXX and it was received by their office on XX/XX/2020. In my letter, I requested supporting documentation to prove that this debt belonged to me. To date, the company has not responded to my letter and it has been longer than 45 days since they received my certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
NATIONWIDE RECOVERY ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you NATIONWIDE RECOVERY or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : NATIONWIDE RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of  FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2016-10-04
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a student loan that is reporting incorrectly. I have notified the company but they have not corrected it. They are reporting that I was 90 days late when it fact my loan has been in deferment for the past 2years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: CITIBANK, N.A.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
over 7 years since last payment was made -- should be removed from my credit reports

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 2020-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capital one is reporting inaccurate information after investigation when it was told to delete from my credit report see attachment showing that Im saying the truth. Need action immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2017-02-08
Company: ALLY FINANCIAL INC.
State: MT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
on XX/XX/2017 I called Ally financial to find out why my payments where being returned. I spoke to an agent there, a lady named XXXX. we discovered that I had XXXX bank accounts linked and I had been selecting the payment to come out of the wrong account ( a closed account that I no longer use ). anyhow XXXX and I spend and hour on the phone scheduling future payments to come out of the correct account. XXXX payment scheduled for XX/XX/2017 and the other for XX/XX/2017. these payments would have brought me current. I received an email from Ally that they again tried to take the payments from the wrong bank account. all my loan information on my online ally account had been deleted and now they are charging me XXXX dollars a day for late interest and XXXX day late information to the credit bureaus. I called to remedy this and explain to them that ally made some kind of technical mistake. I explained that me and XXXX made absolutely sure that the payments where scheduled under the correct checking account and that it was not my fault that they had not received a payment. Ally continually made efforts to try and make me believe that I was at fault and they would continue to charge the late fee and report the negative information to the credit bureaus. even though I have been proactive about making things right and keeping in contact. all I want to do is pay my bills without being punished for a mistake that the lender made. I have attached the email from ally saying the payment was returned and my XX/XX/XXXX bank account statement to prove that the funds were available

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 2020-09-30
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have sent several letters to XXXX over the course of the last 6 months. I have provided copies of my consumer report as well as identified inconsistent and erroneous information that should not be on my report and they have yet to sufficiently respond. I have asked specifically for original contracts with wet signature. They keep sending computer generated responses instead of actually doing an investigation. They fail to answer any of the questions in my disputes which proves they are not even reading the letters. I sent sent them specific laws listed in the FCRA that they have failed to abide by and they again have not done anything about it. This is damaging to my report and harmful to my consumer reputation. I have been denied credit due this this incorrect information being furnished on my report. It needs to be removed immediately.

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