BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained against Capital One multiple times. Many cards were stolen from my office, used, and then fraudulent payments were made to allow continued charging to exceed the credit limit. My credit limit was {$2500.00} / {$2200.00} on two cards and MY balance was approx. {$2000.00} on each card as of XX/XX/XXXX. I do not have nor received the information on card ending in XXXX. Cards were stolen sometime first of XXXX. I filed attached sheriffs report in XXXX and then had XXXX of water from Hurricane XXXX after the XXXX tax day flood of XXXX. I was having payments scheduled at the first of the month to be paid on statements due date when I received my paper statements. Then mail was stolen from my rural mailbox. I was not using the cards but paying off after XXXX and two floods. All charges starting XX/XX/XXXX were not mine. There were fraudulent payments on card ending XXXX that started on XXXX of {$2200.00} and returned the same day, on XXXX of {$3300.00} and returned the same day, on XXXX of {$4800.00} and returned on the same day. See attached statements. {$10000.00} of bogus payments within two month ON JUST ONE OF THE CARDS and not do anything???????!!!!!! Two months of FRAUD returned payments and they didnt contact me??!! Capital One should have been alerted on XXXX and contacted me then. I had asked for the payment methods used to make the fraudulent payments and Capital One denied the request. XXXX of fraud payments in two months ON JUST ONE OF THE CARDS and then cancel an account????!!! I should have been contacted at the least and especially for the over-the-limit transactions. But Capital One did nothing and sees no fraud?? I had good credit and was faithfully making my payments because I didnt have {$10000.00} laying around to pay it off. Now Capital One holds me responsible because they dont have a modern system to alert them. To exacerbate the problem, Capital One concluded the fraud investigation after closing the account, after charging off, after selling debt of one card AND THEN LOWERED THE AMOUNT DUE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was seen at the XXXX Hospital ER for a XXXX XXXX back in XXXX of 2019. Despite our best efforts to ensure we were going to an " in-network '' care provider with XXXX XXXX ( XXXX ), we discovered after the fact that while the XXXX Hospital ER is in network, the physicians group ( XXXX XXXX XXXX ) that is contracted to staff the ER is not in network. As such, we received a full billing ( no insurance adjustments ) from the XXXX XXXX XXXX ( XXXX ). We called to dispute the billing and XXXX directed us to contact XXXX. We contact XXXX who explained that in instances such as this, a third party company gets involved to negotiate the final billing, and it would take 90-120 days to resolve. After proceeding with this process, we received no EOBs from XXXX and no revised invoices from XXXX. Last week, we discovered we are being sent to collections by XXXX for non-payment of the portion of expenses that XXXX XXXX will not pay for an " out-of-network '' provider. I called to determine why I was being sent to collections when I hadnt been informed that the bill had been finalized, and XXXX claims to have sent two notices which were not responded to and they are not allowed to call patients regarding outstanding balances. XXXX offered no recourse to resolve the issue other than to call XXXX. I called XXXX and according to their records, XXXX is trying to collect {$96.00} more than I am actually supposed to pay. XXXX   offered to conference call XXXX to reconcile the account, but XXXX has message indicating it may take as long as 30 minutes to get a represenative on the phone, and XXXX is not able to wait on hold that long. XXXX instructed me to call XXXX, have them revise the bill, which should remove it from collections. I called XXXX, and they said XXXX  is wrong, and they would not be able to remove the billing from collections, and they would not revise the total amount owed by the {$96.00} in question unless it was approved by another department within XXXX, which could take several weeks to process. They said i would not receive an updated invoice, rather the collections agency would receive revised amount. I called the collection agency ( Renton Collections ) to dispute the amount, which is now accruing interest at 9 %, and they refused to place any hold on the interest accruing or reporting the overdue amount to credit bureaus. I feel like I am caught between 3 institutions, none of which clearly or effectivley informed me of my obligations to be paid, nor are they providing me with any recourse to resolve the situation without accruing interest or paying the bill in full. The amount in question, which has still not been resolved is {$870.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: NE
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

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 2016-05-14
Company: Scott Fetzer Financial Group Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hi i have contacted the agency that placed me in collections for {$35.00} has been contacted and i have already sent a dispute stating this debt is not mine. 
Please help assist me in the removal Of this from my account thanks

Company response to consumer: Closed
Consumer complaint received 2018-08-02
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX all accounts listed are being incorrectly reported

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 2023-10-21
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
There are a few issues I am having with MOHELA, and calling them has created more problems where I have to call them again. 

1 ) I consolidated my direct loans and applied for the SAVE plan at the same time, however, only my loans were consolidated and my repayment plan was not taken into account when it was transferred to MOHELA and it showed I had to pay way more than I would have if repayment was under SAVE plan 2 ) I called them and asked why and they did not give me information or change anything. Instead, they applied the SAVE plan again and told me they could put my consolidated loan in forbearance until the SAVE plan was applied. At this point, I already had two other loans of mine in the SAVE plan, so I was fine with this BUT they placed all my loans in forbearance and nothing that they have done reflects on the website. There is no proper communication of what took place in the call.

3 ) They processed my PSLF form in a way that says my employment ends in 5 days which does not make sense when I marked my employer as currently employed. I let them know that and they said I just would have to resubmit when that does not make sense and does not match up with my colleagues who also applied for PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the Fair Credit Reporting Act ( 15 USC 1681 ), I am a federally protected consumer. It is illegal to report any and all non public personal information ( 16 CFR 313.3 ( n ) ( 1 ) ), including any financial transactions with the consumer or any service performed for the consumer per 15 USC 6802 ( d ). A Charge Off is considered a certificate of indebtedness, therefore it is income ( more illegally reported financial transactional information ). There are currently XXXX inaccurate transactional entries on each credit report with Transunion, XXXX, and XXXX. These highlighted entries must be updated to paid as agreed per 15 USC 1681c ( 4 ). It is my right per 16 CFR 433.2 to assert myself as the consumer at any time. Furthermore, I hereby rescind any authorization I may have given you through written, unwritten, verbal, and nonverbal per 16 CFR 313.7 ( e ) ( f ), to report any financial information to my consumer 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 non-monetary relief
Consumer complaint received 2019-07-01
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Had XXXX  XXXX XXXX sell my loan to XXXX XXXXe in XXXX after reviving a payment from me that was to be applied to my pay due account. I had late fees with boa but made plans to repay as I stayed correct. They Sikhs the loan to XXXX, with my catch up payment used on ALL late fees which made me a month behind after the sale to XXXX. I contacted them regarding this matter and tho make a long story short, I inquired on things like forbearance or any other way to assist me. They replied they don't did such things and offered no solution but to pay. At the same time, I was reviving a discharge of a chapter 7 bankruptcy, which was discharged XX/XX/2014. 
Since XXXX, even though I'm paying my mortgage monthly, it's not showing on my credit report as not owing a mortgage. This is hampering me on fair credit reporting. 
How can I get this matter taken care of? 

Respectfully submitted, 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 explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: AR
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 am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: ALLY FINANCIAL INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The Problem : I have been locked out of my accounts and am unable to withdraw money, use my debit card or even check my balance. According to Ally Bank, they are too busy to assist in resolving this in under 48 hours. 

How it Happened : Yesterday ( XX/XX/XXXX ) I tried to make a purchase online with my debit card and it was declined. I called customer service for Ally Bank, with which I have been a customer for 7+ years and have two accounts. The customer service rep I spoke with was, in my opinion, clearly under trained and was unable to answer many of my questions. I disconnected and called back in the hopes of speaking with someone who would be better able to assist me and I reached a woman named XXXX who informed me that the notes said they were having trouble " authenticating my account '' XXXX was able to complete the authentication, explained to me the reason the aforementioned transaction did not go through ( address mismatch ) and then provided information on how to close the account in the future since they have no brick or motor locations. I hung up and tried the transaction again. It was denied. I tried to sign into the mobile app and was directed to call Customer Service again which I did. I spoke with three more people, all of whom gave me different pieces of information and I was advised that I should call the next day because the team that would assist me was not working. It was not explained to me why my account was relocked.

I called the next day and was told that I would have to wait 24-48 hours for a call back from loss prevention and that there was nothing that could be done in the interim. 

I have no way to access any of my money with this institution. I have not been given a reason and the internet is littered with reports of other customer 's accounts being locked for a week or more.

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 2020-11-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To whom it may concern, On XX/XX/XXXX I mailed out three ( 3 ) dispute letters one to each of the credit reporting agencies Experian, XXXX, and XXXX XXXX under the FCRA section 609 ( a ) ( 1 ) ( a ) law to conduct and provide me with proof of the original contracts with my signature on negative items and inquiries that are being reported on my credit reports are mine and they have yet to do so within the thirty ( 30 ) days that they are allowed to have in order to prove ownership and accuracy of information that is being reported.There has been no correspondence with them providing me with any information or update on the status of my disputes. Also on XX/XX/XXXX I sent out three ( 3 ) thirty ( 30 ) day demand to comply letters, one to each of the credit bureaus Experian, XXXX, and XXXX because they have broken the law by not providing proof or correcting the items being disputed in the time frame permitted by law.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 



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 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 2019-09-06
Company: MoneyLion Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I signed up for moneylion plus where they would give you {$500.00} loan and you are to pay it back on a set schedule to enhance your credit report. They are to release a portion of the {$500.00} to you and when I was approved and granted {$75.00} from it online yet, I never received it. They said they sent me a debit card to retrieve the funds and I never received that either. The app says you can add your bank to it to receive the funds but their app does not work properly. I called them and nobody answers the line, I left emails ( tickets ) and its an automated response that doesnt help. I asked to cancel it and was told I can by the automated response. I was told they would mail the debit card out again and once again no debit card. Here I am being held accountable for a loan I never got. Now on XX/XX/XXXX they deducted {$9.00} from my ACH bank account and I still never received the funds. I have called them requested a callback from XX/XX/XXXX and still no callback. I think this is a scamming company and I want them off of my bank account, cancel my membership and leave me alone. It is not fair to me im paying them for nothing, I didnt receive a {$1.00} from them and they are aware of it because its still sitting there untouched. Please help me and sadly I seen many posts like mine on XXXX on XXXX and its time for the government to go after MoneyLion because this is theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: AR
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. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$4400.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX XXXX {$560.00} XXXX AR XXXX {$1300.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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