BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collector sent a letter claiming a balance from cable company was owed and has went to collection. Called cable company, they said there is no balance due on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. I ask that the items be deleted to correct my credit report. Please delete the items as soon as possible. 

REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Please remove any and all unauthorized inquiries from my reports as I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

Fraudulent/Negative Accounts : Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$460.00} Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$800.00} Fraudulent Collection Accounts : Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1300.00} **UNAUTHORIZED INQUIRIES CONTINUED TO NEXT PAGE ** Unauthorized Inquiries : Inquiry name XXXX XXXX XXXX XXXX  Inquiry date XXXX XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX. It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

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 2022-04-28
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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:
I recently pulled up a copy of my credit report to check accuracy, and seen inquiries on there that I did not acknowledge. I am unsure how they were able to pull my credit without my consent.

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 2019-09-19
Company: Nelnet, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
T

his is a simple installment personal loan. They are charging daily interest as might be expected. But when you check the history on the loan their interest calculations are seemingly random amounts. Interest rate was 16.24 % on a {$50000.00} loan. With over 3 years of payments I still owe {$39000.00} any amortization schedule will show you something is clearly wrong with their math. In one case this year it shows only {$63.00} to Principal and the payment before or after that one was $ 500+ applied to principal. Essentially the problem has been they shift due dates, if 2 payments are made in a calendar month they do not consider it the next months payment. The biggest problem however has been getting anyone from the company to actually take me seriously as a customer. They just belittle their customers and will not explain anything about their interest or processes. It seems they shift due dates to try to get late payments or to get extra daily interest charges. I have a similar loan with similar terms and I have paid quite a bit more off the balance in the same time frame. They have excessively used number spoofing to call my cell. In general this has been one of the worst companies I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the account XXXX XXXX XXXX multiple times every month XX/XX/XXXX removed it but experian refuses to remove it i don't understand how it can be removed from one but not the other

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 2021-01-20
Company: Experian Information Solutions Inc.
State: TX
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:
Items where illegally ran on my credit. Not giving consent to do so by me.! 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 explanation
Consumer complaint received 2021-01-20
Company: Experian Information Solutions Inc.
State: IL
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:
On XXXX [ XXXX XXXX XXXX ] and derogatory mark on my credit report per [ EXPERIAN ]. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA [ XXXX XXXX XXXX ] has violated my rights as a consumer and I'm requesting legal action to remove this account 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 non-monetary relief
Consumer complaint received 2023-02-09
Company: BANK OF THE WEST
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX I sold a diamond ring to someone on XXXX market place for XXXX dollars. I then transferred the funds into my checking account from cash out on XXXX XXXX XXXX Then on XX/XX/XXXX cash shop withdrew the money back out of my account without my knowledge or consent. I contacted the bank customer service and filed a dispute with regards to the funds then taken from my account. Where I believe the bank was at fault for for allowing cash out to withdraw {$400.00} for my account making my account be negative. For Bank of the West and give me the opportunity contest or see what my side of the story was in regards to this action against my account. On XX/XX/XXXX Bank of the West denied my dispute and rude in favor of cash out based on the fact that they said I gave them access to my account. First of all Bank of the West has the absolutely right to safeguard my account and funds in my account, XXXX had no good Reasons to withdraw any money from my account after me, XXXX on XXXX completed our transactions. Bank of the West made itself libel when they allowed cash out to withdraw These funds from my account. I wasn't even given the even given benefit of the doubt by my bank which has left a bad taste in my mouth.

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 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The accounts are in litigation, the balance is incorrect. I needed them closed and not only closed but removed 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 2023-02-21
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Sent letters asking to validate and remove false, non metro 2 compliant, misleading, also false information from account and it was never responded to remove.

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 2022-10-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The Consumer Reporting Agencies are continuing to report inaccurate and incomplete information on my Consumer report. The CRA have failed to verify that these accounts are 100 % completely accurate. XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 ( i ) ( 5 ) ( a ) Accuracy and fairness of credit reporting.

15 USC 1666b-Timing of payments 15 USC 1637 ( b ) STATEMENT REQUIRED with EACH BILLING CYCLE

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 2023-09-01
Company: Affirm Holdings, Inc
State: MI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Affirm is a installment loan company, been using them for YEARS. Recently had two transactions that I AM PAYING FOR, that I did not process, one is over XXXX the other is also over XXXX. So basically XXXX approximately. Loan ID 's are XXXX and XXXX. It is total XXXX. They can't give me the name on one loan, one is for XXXX they have NO RECORD of me purchasing any item or ANY RECORD of the Virtual card #. I've told them this REPEATEDLY. In order to insure this doesn't hit my credit I've paid one item off the other is still XXXX left to be paid. I haven't had a response from their so called " investigative '' team in over 3 weeks. I want my money back, I will NEVER use this company again, I sent a message to the CEO and founder on linked in, USELESS. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: USCB Corporation
State: MT
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been dealing with USCB Corporation regarding XXXX XXXX XXXX. They have claimed I took classes when that was impossible as I was in a XXXX XXXX  at the time, and I did not have, and still do not have the mental capacity to do college level work. I told them in writing, on the phone for both schools they represented, XXXX XXXX and XXXX XXXX XXXX, but they do not want to hear it, they want to collect fraudulent funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 non-monetary relief
Consumer complaint received 2024-01-11
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They have submitted to the credit bureaus a late payment for XXXX, but my payment is not due until XX/XX/XXXX. Today is XX/XX/XXXX so how could I be late for a date that has not passed yet which has impacted my credit score. Also I have made a payment on XX/XX/XXXX in addition to intentions of making a payment of on XX/XX/XXXX as well.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-08-01
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I disputed this account and they had closed it already so I asked for proof of documents they still have not sent proof of documents they keep calling and harassing me after I told him several times not to contact me to send the documents that I dont needed to provide for proof of the debt that is owed when they close the account already

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: OH
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 sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On the XXXX of every month I'm being charged XXXX to XXXX dollars in fees in which XXXX is for interest and XXXX is towards principal balance the other XXXX is going towards something called a customary fee... I've made these payments for almost a year now and only XXXX dollars has come off of my principal balance of XXXX dollars, if I continue to make these payments it will take 30 years to pay off this XXXX dollar loan because of this customary fee... I've done research on Title Max and found that your Bureau fined them 9 million dollars back in 2016 for it's unlawful acts in the states of Georgia, Alabama, and Tennessee, TN being the state I reside in... I've went in to speak to an agent at the XXXX XXXX XXXX location and the agent couldn't explain to me what this customary fee is and neither is it explained in their payment documents sent to me each month, this customary fee is a direct implication of predatory lending

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud! 

Kindly remove this to my credit report. This is causing me a lot of stress and 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 2021-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my balance of the last billing cycle. I have been carrying balance previously and wasn't able to pay off my debt. Last month I have extra money so I decided to pay off one of the credit cards with Capitalone. I haven't used my card since I finish paying it off last month and to my surprise, I saw an interest charge of 38.23 on the card. I called them and their explanation is that the last balance bill doesn't include the interest rate charges on the month. I have always under the impression is that last balance is what I owe the CC. Sounds like they are trying to squeeze one last interest payment before I'm out of the debt. Please help me resolve this predatory lending that's hitting us especially during this difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I didn't receive written notification about the debt. ( didn't receive, didn't know you could dispute debt ) I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. The collection agency have failed to positively verify these accounts and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the collection agency are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

The collection agency responded with a letter and a bill for account number XXXX ( see the attachment ). The collection agency did not provide any documentation for account number XXXX but listed the account on my credit reports. 

The date opened on the account is also incorrect. I have disputed this debt with XXXX and Transunion and the debt was verified as accurate. They refuse to remove the debt. The credit bureaus informed me to contact the data furnisher for proof of the written contracts.

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