BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
15 U.S.C. 1681 section 602 A. 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 2021-02-14
Company: Bepensa Capital, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX The previous response I received from the company is in fact nonsense and did not prove anything. Following this consumer credit transaction, I understand I was to be informed that I have the right to dispute the validity of this alleged debt within 30 days AFTER the initial communication ( which is the contract they attached to my previous complaint ). They failed to include this information in this contract AND failed to send it separately in the mail stating I have the right to dispute this alleged debt. How where they able to assume the debt was valid? Well, according to FDCPA 15 usc 1692g # 3 ; it states that if a consumer does not dispute the validity of the debt within the first 30 days, the debt collector will assume the debt is valid. So, I am paying for things that are already paid for because they never made me aware I had the right to dispute the validity within the first 30 days. This is a breach of the contract due to the fact these MUST be included in initial communication ( the contract ) or sent separately to the consumer by law. Even if these debt collectors assume this debt is valid it does not mean anything because it is my right to refuse to pay an alleged debt and no court or judge can say I Owe it under any circumstance. ( 15 usc 1692g ( c ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from Discover threatening me with a lawsuit for unpaid debt. Due to the COVID pandemic I have been laid off from work and surviving on unemployment benefits and support from relatives and friends. I have mentioned this to Discover but they are still pursuing this legal action against me. 
I kindly request to look into this matter. I can be reached on my email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper claims I am in bankruptcy but has revealed that it was a mistake. Someone with the same last 4 digits of their social security number is in bankruptcy and it applied to me. I have tried to get this resolved but nothing is working. 

Here is a summary of the calls I've made : XX/XX/XXXX - Discovered I was not the person that was in bankruptcy. Assured me that the issue would be resolved in 2 or 3 business days.

XX/XX/XXXX - Confirmed that it was an error on their part. Agent opened a review.

XX/XX/XXXX - Confirmed that it was an error on their part. Agent saw the open review and decided not to open another since it would start the process over. 


Due to this I am : 1. Not able to pay my monthly mortgage, they are not accepting payments 2. Can not log in to account on https : //www.mrcooper.com/XXXX  to see my loan details Since I can not pay will this affect my credit? Am I going to have to pay my amount due immediately when I get cleared? I am selling my house. Will this affect the process?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: EQUIFAX, INC.
State: CA
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:
I have an incorrect account reporting to my XXXX  and Equifax credit report. I have tried to resolve this with both XXXX  and Equifax with no response from either companies within 30 days. I have provided proof of delivery below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-04
Company: EQUIFAX, 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:
My identity has been compromised and even made me a victim of the dark web. I'm now dealing with unauthorized and unknown accounts that I'm demanding be removed from my credit file immediately. Not one single credit reporting agency delivered A Method Of Verification of any sort to my persons. Therefore, I'm requesting these accounts be removed. 

1 ) XXXX XXXX {$22000.00} 2 ) XXXX XXXX {$100000.00} 3 ( XXXX  {$41000.00} 4 ) XXXX XXXXXXXX XXXXXXXX XXXX 5 ) XXXX XXXX {$1500.00} 6 ) XXXX XXXXXXXX XXXX  {$870.00} 7 ) XXXX 8 ) XXXX XXXX  9 ) XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2022-09-28
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:
Transunion, XXXX XXXX and XXXX have not changed my credit score. 
XXXX and XXXX XXXX incorrectly reported us as late and now has sent a letter to correct that to all credit bureaus and they have NOT done that as my credit is still in the 600 's instead of the 800 's. Their letter is attached. 
NONE of the credit bureaus have changed their score and this has taken MONTHS and attorneys to get a correction from XXXX and XXXX XXXX. I need the paperwork for a refinance company.

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 2022-09-28
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Called EdFinancial Services on XX/XX/XXXX to request a refund for payments I made during COVID. My loans were transferred over from XXXX XXXX in XX/XX/XXXX, I was told they would reach out and account for any payments I had made to XXXX XXXX. 
Called XX/XX/XXXX and was told my request has not been processed and they didn't have information on how many payments I had made to XXXX XXXX that would be eligible for refund. I was also told they don't have any timeline for when my request would be processed. 
If my request is not processed I could miss the window for the student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX is reporting an account to XXXX and Experian that is not mine. I was not liable on this account and was only an authorized user. The account has since been closed. I've sent multiple letters to dispute this item directly and they have failed to remove it from 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 2021-07-04
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Kansas XXXX. XXXX XXXX XXXX XXXX all XXXX XXXX collection agency-attorney 's representing American Express Bank. These debt collector produced a fradulent service and affidavit to the court with out a full validation of media and original contract and purchase agreements with no signatures. Only to produce copies. The debt collectors filed fradulent service on me a natural lawful consumer in a Missouri State Court using deceit to manufacture a avenue to move forward in this court proceeding knowing they were not following the rules of the FCDPA 15 USC 1962.

In response to the 3 debt collectors breach of contract claim and the 2 default judgment attempts attached it clearly shows that since XX/XX/XXXX in writing that fraud exist when plaintiff, original creditor, agents, and employee 's, debt collector 's which in fact are attorney 's have blatantly disregarded the rules of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
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: Investigation took more than 30 days

Complaint:
I wrote three credit bureaus, XXXX, XXXX  and TransUnion. I sent my disputes certified mail. None of these companies have responded.

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 2022-09-28
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I deposited {$30000.00} in a new checking account for my daughter 's wedding. Plans changed and when I went to close it after 5 months they said there would be a {$50.00} close fee. They also said there would be a {$25.00} fee for a cashiers check. this made me mad so I said ok just give it to me in cash. they said they did not have enough cash and I would need to call and arrange for the cash. 

I do not believe either fee is appropriate especailly since they had my $ XXXX for over 5 months nd never told me about either

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 2018-06-26
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX of 2017 during Hurricane Harvey we spoke with our mortgage company NationStar/Mr. Cooper and they agreed to let us work on a payment plan due to the devastation of the hurricane. They agreed to report the payments as being on time yet when I received a copy of my credit report the months they agreed to report as current are showing delinquency. I tried to dispute it with the bureaus thinking the problem was they were not communicating with the company but they indicated they did. I was told buy NationStar/Mr. Cooper it shouldn't be reporting late. I don't know what else to do can you please help me get this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have not been properly informed about the PSLF ( public service loan forgiveness ) and have attempted to have the department of education evaluate the number of qualified payments I have made since I entered the public service program as a XXXX XXXX XXXX in XXXX. I submitted the form for the pslf to certify the number of payments and have not received any information since I submitted the certification. Although I have previously sent certifications which were completed by my school district administration and have never received a response to date, I am referring to the most recent certification which was submitted several months ago. I was informed that my loans would be transferred to XXXX within a month, but the loans are still being serviced by Nelnet. The pslf program was pitched to the prospective students at XXXX  XXXX XXXX XXXX - XXXX XXXX as a means to draw attention to a benefit of becoming a XXXX XXXX XXXX in high needs areas. I would like to know where I stand in the required 10 years of qualifying payments towards the forgiveness of my student loans. I was uninformed by the loan agents who assisted me that the qualified payments reset after each consolidation again to take advantage of a different interest rate or to combine additional loans. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
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: Investigation took more than 30 days

Complaint:
I wrote three credit bureaus, XXXX, XXXX and TransUnion. I sent my disputes certified mail. None of these companies have responded.

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 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX XXXX  and Trans Union are ignoring my requests to investigate, verify and remove accounts from my credit reports/files.

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 2021-07-02
Company: Nicholas Financial Inc.
State: VA
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:
I have filed a dispute in regard to the inaccurate items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: CAVALRY INVESTMENTS, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
when i learned of the debt I got an attorney to send an offer to settle it out of court but the collection company refused the offer collection company is fraudulently pretending to be the original creditor collection company has not provided me with any served papers collection company used a non suit judgement without serving me any papers collection company went to previous addresses bothering the people that live there now collection company puts liens on relatives houses collection company re-reported old debt as new debt to the credit bureaus when it was already reported by original creditor and removed from report from original creditor the debt was in a different name yet the company re reported it to the credit bureaus under new name Original creditor was contacted on two occasions and has no record of this debt what so ever tied to my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife and I both got a call about being served papers for a complaint from a debt against myself. Told to call a number if not available to sign on that day. My wife and I both called to find out information. Phone number is XXXX. The person on phone said it was a debt owed to Toyota for a vehicle purchased back in XXXX and was auctioned in XXXX and I owe the remainder of bill. I never purchased a Toyota in XXXX. I believe this is a scam. When I tried to look up the company city serve which the company they are claiming to be it comes up with XXXX  charity and a church charity, instead of a debt company that serves papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: TN
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 discovered certain issues on my credit report that were improperly reported after analyzing it. The Congress has granted me the ability to dispute and correct inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
PLEASE SEE ATTACHMENTS : Transunion has violated federal laws, including the FCRA and GLBA, by unauthorized reporting, lack of verification, failure to comply with opt-out provisions and disregard for proper investigation procedures, infringing upon my rights and causing substantial harm.

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 2023-05-12
Company: EQUIFAX, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: AL
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Ive sent XXXX letters had issues with this in the past and XXXX  XXXX paid to settle just over a year ago- I dealt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I purchased a '' brand new '' face mask due to the COVID -19 pandemic and and when it arrived it was obviously used .... I disputed the transaction and XXXX  XXXX  closed the dispute. I have tried to write letters, the next step is again to file a small claims suit, like I did in the past.

Company response to consumer: Closed with explanation