BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-06
Company: Ditech Financial LLC
State: OH
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told that the mortgage was paid in full and Green Tree Servicing cancelled my homeowner 's policy and sent me a letter indicating that the insurance was cancelled because the loan was paid in full. Subsequently, they have called me constantly, from morning until night demanding more money. I sent them an additional XXXX last month and I am still receiving threatening letters insisting that I still owe more money. I requested a payoff and the payoff says that I owe XXXX even though the statements I have received say that I owe XXXX in principal and XXXX in escrow. Every time they call here, I have requested an explanation for this discrepancy and in addition I have called countless times to try to get a straight answer but they never provide XXXX. " Someone will research it and get back to me, '' or " they 're looking into it and will call me back, '' but they never do. Still, the collection calls and letters keep coming. This is so stressful that I feel sick.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
debt was paid and banner sent this company an email via XXXX who is an accounts manager that this account is paid in full.

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 2022-09-02
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: Account status incorrect

Complaint:
Since last year I am trying to correct and delete this repossesion from XXXX XXXX Because is to many inaccuracies been reported by XXXX and XXXX first XXXX XXXX report a balance of XXXX then in a second letter they are reporting to XXXX and XXXX another differnt balance of XXXX and the problem is that if this a charge off both XXXX and XXXX must report a XXXX balance. Trans union is reporting this same account as charge off with a XXXX Balance

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2018-07-24
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX reported that I was 30 days past for the month of XXXXXX/XX/XXXX to all three credit bureaus. I was not 30 days past due. I was past due but not 30 days. They also reported that I was 30 days past due for the month of XX/XX/XXXX, which I also, was not. I have attached my statements showing my payments were made within the reporting window and that extra payments were in fact made as well. They only reported that I was past due for XX/XX/XXXX to two of the three credit bureaus, XXXX and XXXX. They reported that I was on time for XXXX. 

Also, in XX/XX/XXXX they reported that I was 30 days late to XXXX. They reported that I was on time to XXXX for that same month. Again, I did pay past the due date however, I was not thirty days late. I have spoken with them on three different occasions and they refuse to correct this information. On one occasion I was advised that I was not 30 days late but that since my account was paid past the due date that it was within their rights to report that I was past thirty days. On another occasion the representative agreed with me but said there was nothing he could do but send me a print out of my payment history which I could provide to my mortgage lender, and on the last occasion I was advised that I had been late other months from the year prior and should just leave it alone.This is  impacting my credit unfairly and it is false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: SYNCHRONY FINANCIAL
State: IL
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 have an account with paypal credit which is serviced and run by Snchrony bank. One of the services they offer is a 6 month no interest on purchases as long as they are paid off before they expire. 

There is a purchase on my account that as of XX/XX/XXXX was around {$1500.00} with accrued interest of {$200.00}. I sent the following payments to clear this charge and avoid the interest. 

1. {$1300.00} on XX/XX/XXXX. 
2. {$150.00} on XX/XX/XXXX. 
3. {$170.00} on XX/XX/XXXX. 
Total {$1600.00} This purchase still shows a balance of {$490.00} as of today. I contacted them back in XXXX and they told me the payments were incorrectly applied to other purchases and they would fix this. As of XXXX it is still not corrected. There are numerous unexplained miscellaneous adjustments that do not add up to a correction of the issue. 

Synchrony / PayPal Credit is now conveniently reporting that their customer support is unavailable either by email or phone due to the corona virus. While I understand this time is hard on everyone they are somehow able to still charge interest and collect payment but do not have the personnel to address issues they intentionally created. How is email support unavailable? This makes no sense and has nothing to do with social distancing. 

There are entire websites and forums devoted to exposing these practices. Unfortunately I did not discover them until I was part of this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a preapproved offer to refinance a vehicle. Before I hit submit I called customer service to make sure I could refinance a loan in my name only for a vehicle that wasnt under my name. I was told yes so submitted the app and was approved. Now I called to finalize the app and was told I couldnt do it cuz the loan wasnt in my name. So my credit report was pulled under false pretenses. I was advised today to submit a complaint to have the inquiries removed due to XXXX  error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Issue: APR or interest rate

Complaint:
Macy 's withdrew $ XXXX from my Bank account without authorization. While they refunded the money, I want them to refund associated interest for as many days to all impacted cardmembers. 
Also, they debited my credit card on XXXX for {$430.00} ... WHY? First you take a payment on XXXX on a zero balance and then DEBIT my card on XXXX again!! Why should I pay criminals like XXXX and Macy 's for what did not need any payment??? Refund me all such debited amounts back to the card as well as credit my Bank back on any unauthorized, criminal withdrawals. 
Macys and Citi also changed the credit card site SO MUCH that I can not even download my statement or even see my account details properly, they also undid all my autopay so that they could have me go late!!! I had called the customer reps who also could n't be too much help. Shameful, ignorant and simply criminal!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: UT
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:
XX/XX/2020 I called Experian to dispute in accurate information on my credit report. The bankruptcy information is incorrect and does not match my court document file. The address is incorrect document. I request by law for proof by Experian to provided their Investigation is accurate.. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

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 2022-04-11
Company: Westview Financial Services VA, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After paying the account in full the negative inquiries. Westview entered the information twice to my credit report without my consent The account was paid and full in XXXX of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX is known for predatory lending. It has been 7 years since I've had an account with them ( XX/XX/XXXX ), the account is required by law to be removed. XXXX XXXX XXXX is still marking the " Closed '' auto loan as delinquent and has marked up the interest on the account XXXX % of what the auto loan was originally for to this date ( XX/XX/XXXX ). I have been removed from any liability with this auto loan by a Arizona XXXX XXXX XXXX and will never make a payment on it. Last I checked, it is illegal to keep an item on a credit report forever. As of today it will be going on 7 years with each month a derogatory mark on my credit report. I am ready to go to court and settle this once and for all. 

I have disputed with XXXX XXXX, and all 3 credit bureaus with a response of " Account marked as accurate. '' With whom did they verify with? The creditor who has lost several lawsuits in the 10s of millions for their credit reporting and predatory lending? That's invalid and doesn't hold water. After this complaint, I suggest that this be reported to the Arizona XXXX XXXX XXXX XXXXXXXX to hold XXXX XXXX XXXX criminally liable for " Contempt of Court '', which is failing to adhere to the ruling of a sitting Judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: National Recoveries, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have called on several occasions asking for a reasonable payment option to pay my loans. My loans are only XXXX but as a single mom I could not afford the payment of XXXX a month to pay my loans without a hardship. My loans have gone in to default and they tarnish my credit because I am unable to get a reasonable arrangement.

Company response to consumer: Closed
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX Account in Reference : XXXX Account # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent and under The Federal Fair Credit Reporting Act ( FCRA ) this is violation of my rights and under TILA LAW unless this account is removed from my file asap, I am due a violation payment of {$1000.00}, I have disputed this account already, and still has not been removed. I am asking CFPB enforce this violation and fine this company {$1000.00} and remove this account from my file asap. 

Have filed a fraud report and credit reporting companies still have this fraud account on my 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 non-monetary relief
Consumer complaint received 2022-09-02
Company: Resurgent Capital Services L.P.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights.

15 u.s.c 1681 section 602 A : states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 1681A section ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX Account in Reference : XXXX Account # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent and under The Federal Fair Credit Reporting Act ( FCRA ) this is violation of my rights and under TILA LAW unless this account is removed from my file asap, I am due a violation payment of {$1000.00}, I have disputed this account already, and still has not been removed. I am asking CFPB enforce this violation and fine this company {$1000.00} and remove this account from my file asap. 

Have filed a fraud report and credit reporting companies still have this fraud account on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
TD sold me an overdraft protection as service with a promise that when I link the account the fee will be only {$3.00} for each transaction. However, I noticed that TD have of late been charging my accounts excess transfer fees, overdraft fees of {$35.00} per transaction plus {$3.00} per one transaction. I need refunds for the fees charged to my accounts as they violate the contract agreed upon in the overdraft protection plan or program. The bank has breached the contract that they forced me to agree to, but they do not abide by or follow. I was scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11
Company: ZENCO COLLECTION, LLC
State: AL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I received a message from XXXX XXXX on XXXX/XXXX/XXXX from XXXX ext XXXX regarding case # XXXX, which he stated was regarding a legal matter attached to my social security number. Upon returning his phone call, He stated the last XXXX numbers of my social security number and I was told he was attempting to collect a debt for XXXX XXXX XXXX from XX/XX/XXXX and he wanted to know if I could resolve the account today. I told him I was not aware of what he was talking about and he said he needed to transfer me to the legal department. At no time did he identify the name of the company or what type of company it was. I was transferred to the legal department to speak to another man who did not identify himself, the name of the company, or the type of company it was. He stated my full social security number and stated that XXXX XXXX XXXX had been audited and that my social security number came up owing a debt from XX/XX/XXXX that was defaulted on in XX/XX/XXXX. I informed him that his information was incorrect because that debt was defaulted in XXXX and included in a bankruptcy in XX/XX/XXXX, which was discharged in XX/XX/XXXX. He then became hostile and stated that I had my facts wrong and that he intended to have a judgement filed against me to have my wages garnished and that I needed to hire an attorney and then hung up on me. I called back and XXXX XXXX answered again. I attempted to notify him that I would be hiring an attorney and he stated he needed to transfer me to the legal department. Upon being transferred, an unidentified man answered and said " Thank you for providing that information '' and again hung up on me. Concerned that this might be an attempt at identity theft or fraud, I called back and again XXXX XXXX answered. I asked the name of the company, which he stated was " Zenco. '' When I asked what type of company this was, he said he would have to transfer me to the legal department. I was placed on hold, and after some time, was transferred to voicemail. I left a message to notify the company that I would be reporting the company to the FBI as a possible scam and a fraud and that I would also be hiring an attorney.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXt # XXXX, XXXX, Account # XXXX, XXXX, Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXXXXXX, XXXX, Account # XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

-XXXX accounts listed has violated my rights.

15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX Late payment XXXX, XXXX account never been late. 
XXXXXXXX XXXX XXXXXXXX Late payment XX/XX/XXXX account has never been late. 
XXXX XXXX - XXXX Closed Account account -May XXXX, XXXX agreed to remove the account from report but closed the account instead. 
XXXX XXXX XXXX XXXX ) -Jul 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 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 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 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 non-monetary relief