BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-18
Company: Duncan Solutions, lnc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Date of event : XX/XX/2017 ; Event Summary : Aggressive phone tactic to intimidate and frustrate me so that I will pay up rather than exercising my rights.
Event Details : Collector sent me a note asking to pay an seemingly unpaid amount. I called back, gave the account #, and requested that I wanted to dispute it and that I did not want them to contact me any further. But collector 's agent insisted in getting all my information including my full name spelled and telephone number. Upon my polite refusal to provide this information, collector 's agent got agitated and repeatedly kept me on hold multiple times, taking my time away from work thereby impacting my job. I politely requested to give me the address to which I can send a letter. But the lady kept me on hold and would not provide this simple information, for 20 minuted. Her voice was antagonistic, and after 20 minutes, she gave me the address, which is the same as that in the paper. Rather than saying that the address to which I should I write is on the letter, she wasted my productive time at work for 20 minutes. This is an aggressive tactic by the collector, for a consumer to give up and pay. She was also angry on phone started blaming me for the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Synchrony Bank/Gap is reporting a late on my credit file for the month of XX/XX/XXXX, XX/XX/XXXX. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted.When this first started unfolding, my employer took safety precautions and cut everyone 's hours leaving me to barely scrape by. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing. I ask that you please make a goodwill adjustment and remove the late notations.

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 2022-02-07
Company: Messerli & Kramer P.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Lvnv funding vis XXXX and XXXX sent me paper that i asked to validate debt XX/XX/2022 ... liars... they also sent me someone elses private information, what they owed, how they got judgement, kind of like a threat to me, plus why are they sending me something about another persons privacy matter, very wrong...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 2017-08-18
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had an account with XXXX XXXX and singed a two year contract. After five years I cancelled the contract, be fore canceling I called a representative at XXXX XXXX and they insured me their was no penalty for canceling. I never renewed or agreed to renew my contract. Shortly after that they sent me a bill for XXXX. I have made several phone calls to XXXX XXXX. They can not justify the billing.. In spite of this they turned the matter over to a collection agency and filled a negative claim to credit reporting agencies. I have contacted them buy phone and by mail, and they still have a claim against me. .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, I upgraded my HSBC basic checking account to premier checking account. HSBC sent me a new debit card ( without my awareness ) and a new credit card, but I never received them in my mail. 

On XX/XX/2019, I received multiple fraud alerts in my mobile phone warning me HSBC suspect fraud on my card account ( s ). I called HSBC security center immediately, confirmed the fraud transactions because I never received my debit card and credit card. I requested HSBC to close my debit card and credit card immediately.

However, HSBC didn't refund me all the fraud transactions made on XX/XX/2019 on my card accounts. On XX/XX/2019, HSBC sent me a letter claiming that the transactions on my card accounts were " AUTHORIZED '', and therefore they're denying my claim.

This is absolutely UNACCEPTABLE! HSBC is un-professional, unreliable and their fraud investigation is totally WRONG!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Experian Information Solutions Inc.
State: WA
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 do not have an unpaid debt with XXXX. I mailed disputes to the credit bureau on XX/XX/XXXX and XX/XX/XXXX to have this account deleted from my credit and they are refusing to do so. The account number being reported to my credit is " XXXX '' but I can also see an account number that says " XXXX ''. The amount for the account is {$180.00}. I have personally called XXXX and their customer service representatives can not find any records that match my personal information. They also do not have any information that says I owe them {$180.00}. This does not make sense because the credit bureau keeps telling me that I need to call XXXX to dispute this account. How can this be possible? This is not my account and I need this to be deleted from my credit report 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
Consumer complaint received 2017-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I called in and I open up account with capital one 360 and I was told that I violated the terms and conditions and I have n't done anything wrong at all and they also told me that someone open a account in my name last year around 2016 of XXXX and I did n't open it up and at the end I was told I ca n't have a capital one 360 checking account ever again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Tranunions received my letter showing my XXXX payment never been late. I call millions time. Sent certificate letters. I call this morning and the guy was very rude.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Despite the multiple written letters I sent to XXXX and TransUnion Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. They have also failed to comply with the Fair Credit reporting act section 605b which requires the XXXX XXXX to remove any accounts aninformation that resulted due to identity Theft. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. 

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 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 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
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2022, I consumer XXXX XXXX, requested my consumer file from EQUIFAX. EQUIFAX 's representative stated to me EQUIFAX does not send out consumer files, which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I bought a car in XX/XX/XXXX. Unfortunately shortly thereafter on XX/XX/XXXX the vehicle was involved in a wreck and the car was totaled. My Insurance carrier XXXX swiftly paid the value of the car, roughly {$8000.00}. Shortly thereafter, they received the {$2000.00} warranty refund. This left a balance just under {$2000.00}, which is being covered by GAP insurance. And, even with all those insurance payments, I was reported late to the credit bureaus. I signed the car ownership over to XXXX at the end of XX/XX/XXXX, and since it was being paid off, I did not make a payment. I was current at the time of the accident. However, Flagship is reporting me 30 days late to the credit bureaus and additionally sending me past due bills, when they are getting paid out by these various insurances. They are piling late fees on top of this as well. I wrote Flagship a letter in XX/XX/XXXX, asking for clarification, and I received no response. I reported to XXXX and also the Better Business Bureau. I am not understanding why I am being reported late and late fees added on a totaled car being paid out by insurance. I already bought a new car after the accident, and have been making payments on it. I never imagined I would be pursued for payments on this totaled car. Please help me. Flagship credit acceptance will not communicate with me at all, nor help.

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 2022-07-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX I filed a claim with chase fraud department Claim # XXXX. 
XXXX checks were forged deposited into my account and cashed against my account # XXXX. 
A check for {$1900.00} and a check for {$2800.00} XXXX XXXX, XXXX  CASHED CHECK RETURNED XXXX # OF XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX | Returned deposit item - {$1900.00} XXXX XXXX, XXXX  CASHED CHECK RETURNED Forged Rule XXXX XXXX # OF XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX | Returned deposit item - {$2800.00} In addition I was charged XXXX returned fee checks : XXXX XXXX, 2022 CASHED CHECK RETURNED FEE : XXXX Forged Rule XXXX XXXX # OF XXXX # XXXX DEP XXXX DEP XXXX XXXX XXXX  XXXX Fee - {$12.00} XXXX XXXX, 2022 CASHED CHECK RETURNED FEE : XXXX XXXX # OF XXXX # XXXX DEP XXXX XXXX  XXXX XXXX XXXX XXXX Fee - {$12.00} On XX/XX/2022 I was Reimbursed {$24.00} for the fees and {$2800.00} for one check but NOT the other check. I have called several times ( Chase fraud dept ) since XX/XX/2022 their answer is it will be done " in XXXX to XXXX business days it is being reviewed ''. Today XX/XX/2022 i spoke with XXXX, account supervisor in claims, he states there is an extension for another 5 business days. He states that the person or department reviewing does not have a phone that can be called?? 


XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX cel phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Mr. Cooper Group Inc.
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX my mortgage was bought by Mr Cooper/ Nationstar. Well I had an issue with my payment going up. No one could tell me why it did. I asked to refinance in which they said I couldnt until I went into foreclosure. That was in XXXX and XXXX of XXXX. Well about a year later the mortgage modification they forced me into was settled. Now in XXXX of XXXX they are saying that I missed a payment. My bank records show that the payment came out of my account to them. I noticed this in XXXX of XXXX. I have submitted screen shots of my bank payment and even sent them pictures of my bank statements from XXXX. I am getting tired of waiting for them to fix this, any help in this matter would be appreciated. I feel like someone stole my payment and put it in their bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see complaint XXXX. 

As part of the above complaint - providing private information to an unknown requestor, Mr. Cooper charged me XXXX to provide this information to whoever this was requesting my mortgage payoff. 

This fee needs to come off of my account ~

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX does hereby approach the Consumer Financial Protection Bureau to see if a federal agency can be of assistance mitigating a home foreclosure. My home was originally owned by my father, who has recently filed for a bankruptcy petition that was thrown out of court. Recently my father decided to move back to the XXXX XXXX, and I was given title to his home, where I happen to live with my husband and XXXX children. A copy of the deed transfer is attached. The balance on the mortgage is over {$220000.00}. The property may sell at foreclosure for {$70000.00} to {$80000.00} at best. I can bring in an attorney to address the court for a hold on the scheduled foreclosure of XX/XX/XXXX, so that a proposal can be made to take over the existing mortgage under a modification agreement with a specified amount to be placed in forbearance. I am a member of the XXXX community, obviously a XXXX, who is a professional in the field of XXXX XXXX XXXX. My father has signed a full power of attorney to handle the mortgage negotiation as if I was first person. However, time is short and I wish to maintain ownership under a modified payment arrangement. Accordingly, I need a communication process opened immediately, and a postponement on the scheduled XX/XX/XXXX foreclosure date. It was my father that let this mortgage get out of hand, and now I have been placed in a position whereas I can afford a mortgage payment, but there is a specific deadline on making such an arrangement. There is an unanswered QWR that my father filed back in XX/XX/XXXX  that under the power of attorney now belongs to me as property owner, and this is a true violation under the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MA
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:
Equifax was hacked and I used their tool to see if I was affected. I entered my last name and last 6 digits of my SSN. It said I was impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, OH, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXXT XXXX A 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