BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-17
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: Old information reappears or never goes away

Complaint:
We are re corresponding over a problem resolved by CFPB and the Civil Rights Division with the Department of Justice with XXXX XXXX XXXX ( XXXXXXXX XXXX ). We wrote to the CFPB more than two and a half years ago. The CFPB staff failed to link the problem to your investigation and Case won against XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX ). My family and I have been victims of improper credit reporting information which has prevented us from buying a home and has landed us in a motel along with the Case of Lease to Own Fraud the placed us here. Credit is very important when you need to buy a home to live in. I have my wife corresponded and called as I worked. It has been hard when two Accounts my XXXXXXXX XXXX   and my XXXX XXXX remained on my credit reports after numerous request to remove the two accounts based on my claims of unemployment back in XX/XX/XXXX thru XX/XX/XXXX, but XXXX XXXX failed to pay the accounts off. I was told of " Account Protection '' should I  become unemployed, death or ill. Sound familiar I was one the millions of consumers XXXX XXXX ( XXXXXXXX XXXX ) was to settle with. Needless to say that did not happen. I am writing to seek removal of these accounts as XXXX XXXX is up to it's old tricks. The accounts have reappeared as XXXX XXXX and XXXX XXXXXXXX XXXX. We need to move I have written to your agency about this with no one there connecting the dots. Listen this agency does a awesome amount of good. We must connect the dots to stop XXXX XXXXXXXX XXXX ( XXXXXXXX XXXX ). My family and I only have our credit which has been ruined by XXXX XXXX refusing to abide by a Court Ordered Settlement to do what is right. No one should suffer because this company choose to not abide by the Court Order Settlement. See  what I have attached and contact this company and STOP this from happening to ANYONE else from suffering as we have. We know that XXXX is a large company whom changes it's name when damaged is done to the consumer. I am sure I am not the only one. Whom is checking to see that XXXX XXXX is following through on the Court 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 2023-11-01
Company: EQUIFAX, INC.
State: GA
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:
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 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : $ XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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 non-monetary relief
Consumer complaint received 2022-09-16
Company: Upgrade, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Opened account online back in 2021. 

Issue 1 : Company misleads and/or omits important interest information at the point of loan acquisition and on your account billing statement. They fail to provide interest charges on billing statement. 

Issue 2 : I am unable contact company directly through their website or by telephone.

Issue 3 : I feel the business practices and profits by violating Usery Laws and actively engages in predatory lending practices.

Issue 4 : Failing to provide appropriate disclosures : Interest rates.

Crediting and compounding policies. 
Service fees. 
Balance computation method. 
Minimum balance requirements. 
Transaction limitations. 
Time requirements ( if applicable ) Issue 5 : Taking five days to process payments forcing the account to incur further interests and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
On XX/XX/XXXX, I booked a trip with The XXXX XXXX. I paid XXXX. I paid the remainder of the balance on XX/XX/XXXX, XXXX. 

Due to the global pandemic, my travel which was scheduled for XX/XX/XXXX, was obviously postponed. when the company contacted me, they issued me a refund credit note which was set to expire on XX/XX/XXXX. I instead asked for a full refund, which they told me there were unable to issue. 

On XX/XX/XXXX the XXXX based company alerted me that they were going bankrupt ( insolvency ) and suggested I file a dispute with my credit card company. 

According to the Fair Credit Billing Act it is me legal right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. 

Since XX/XX/XXXX, I have been attempting to get my money refunded from Capital One. They have continued to deny my attempts, at times, stating they needed information that I had previously submitted. At other times siting the length of time since the charge was disputed ( despite contributing to delays now adding 5 months of delayed time ). Most recently them are sighting the time. However, the time limit for my claim should start from the date I was expecting to receive the service, not from the purchase date, which in this case with be XX/XX/XXXX. 

It is worth noting that I have spend over 6 hours on the phone with capitalone, as well as hours compiling the requested information. 

I spoke with XXXX at capitalone on XX/XX/XXXX, she assured me I would receive a refund. On XX/XX/XXXX, I spoke with XXXX on XXXX who told me there was issues with the timeline, the refund notice, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Collection {$1100.00} XXXX XXXX  Charge-off {$130.00} XXXX Collection {$1100.00} XXXX Late Payment {$24.00} XXXX Late Payment {$0.00} XXXXXXXX XXXX Late Payment {$0.00} XXXXXXXX XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX Late Payment {$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 non-monetary relief
Consumer complaint received 2017-11-16
Company: EQUIFAX, INC.
State: IL
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:
PLEASE HELP!!! BEGGING YOU! 
XXXX IS SIMPLY A DISASTER. 
Account for XXXX ( XXXX ) was settled via XXXX XXXX XXXX on XXXX.2016. I initiated numerous disputes with Equifax and CFPB to remove balance from my report. STILL THERE! 
Equifax removes it from my account just to put it back on few days later. I dont know what to do with it at this point. Last dispute that i initiated with equifax sits on their website still open for probably 4 months or longer. No phone number to call or otherwise reach to them. I cant hate it enough, this is not funny. That is the only account that sits on my report and ruins everything for me. 
HELLO EQUIFAX!!!!!!! I SETTLED THAT ACCOUNT AND PAID SETTLEMENT IN FULL OVER A YEAR AGO!!! THERE IS NOOOO BALANCE ON THAT ACCOUNT. 
PLEASE REMOVE THE BALANCE!!!! PLEASE DO NOT!!! PUT IT BACK NEXT MONTH!!! PLEASE UNDERSTAND THAT I AM A GOOD CITIZEN TRYING TO BUY A HOUSE FOR FAMILY AND BECAUSE OF YOUR ERROR I CANT. PLEASE INVESTIGATE WHY THIS BALANCE COMES BACK EVERY TIME YOU TAKE IT OFF!!! PLEASE!!!! 

Thank you very much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Porter Law Firm
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This is a continuation from initial complaint submitted XXXX, XXXX. 

Follow up from complaint XXXX, XXXX, XXXX. 

My HOA, its Management Company and Attorney are reporting adverse action in form of Public Record to my credit reporting agencies. Also the accounting of my payments is incorrect and no resolution to correct the amount that has already been paid. After many denied debt validation requests and ignored emails, I submit information for assistance in consumer rights. 

The Attorney and his legal assistant has now moved to Porter Law Firm, XXXXXXXX Tx XXXXXXXX as of XX/XX/XXXX. But still representing the HOA and management company. 

XXXX report as of XX/XX/XXXX. 
XXXX reports as of XX/XX/XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Back in XX/XX/XXXX XXXX XXXX XXXX put through two fraudulent Auto loans in my name. One through Navy Federal Credit Union ( approx. {$38000.00} ) and one through XXXX ( approx. {$50000.00} ). I informed both companies that I did not I did not consent to these loans. I have fought this since XX/XX/XXXX and in 2016 Both owners of XXXX XXXX XXXX were convicted of fraud and forgery amongst other charges. Finally in XX/XX/XXXXXXXX has evaluated ALL of the evidence from me and from the Delaware Department Of Justice and agreed to remove the fraudulent XXXX loan but Navy Federal will not properly Investigate this. I have attached the letter from Delaware Department of Justice that was sent to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: NV
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2018-11-18
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Regions Bank Closed my account and charged it off. I rented a XXXX a year and months ago, I paid the amount that was supposed to have been paid. However due to a mixup in trucks, XXXX  charged my card over {$800.00} dollars. I tried to dispute it with Regions, they would not let me dispute the charge. I thought the bank I trust with my money was supposed to protect my funds. They tried to force me to pay them over {$800.00}. I refused, so they not only closed my account, but they have sent it to a collection. For an amount of {$370.00}. These are unethical practices for a financial institution.

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 2022-09-16
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I submitted complaints requiring an error correction to inaccurate payment allocation toward late fees of {$11000.00} stated in lines 81-86 of an internal account history provided to me first XX/XX/XXXX to which Nationstar claimed by counsel they updated XX/XX/XXXX and did not. This matter is a matter of inaccurate data entry indicating a false claim I made 196 late payments by inaccurate payment allocation. 

Both times, I filed my complaint to you, Nationstar and their counsel never responded and 12 USC 2605 prohibits Nationstar 's failure to correct errors in payment allocation, to which directly and negatively impacts my ability to apply for a residential loan, with outrageous claims by entries in lines XXXX that Nationstar accepted {$11000.00} for 196 late payments, which is entirely untrue, as they originally over collected {$2800.00} which should have been {$1500.00}. 

Their failure to correct the error is causing a new Motion to Void in XXXX XXXX XXXX XXXX, to which I could barely afford to file in CJ XXXX, attached is the pleading and evidence and the XX/XX/XXXX allegedly updated account detail report that concealed an update wasn't made that doesn't appear well in the pdf of what was filed, that after I filed a Notice of Error on XX/XX/XXXX, they refused to correct the error and still refuse to make legally required corrections to final payment allocation data entry in their internal account history, choosing to cause further litigation in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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:
I do not recognize the following inquiries on my credit report. These inquiries are a result of FRAUD/Identity theft. Please remove the following inquiries from my credit report as I do not recognize them. My personal information was exposed in the XXXX data breach. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-10-05
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After unlocking my credit report for past fraudulent activity I received a alert from my credit monitoring service with XXXX  stating that I have a new collection reported to my credit report without my knowledge of this fraudulent debt from Sequium asset solutions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting Act. 
15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below DEPTEDXXXX  # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # 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 2020-10-05
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called Santander on XX/XX/XXXX because they had not updated my payment history and balance at the credit bureaus since XX/XX/XXXX. It shows that my last payment was for XXXX, and the balance is {$3000.00}. 

I have made a {$1000.00} payment every month since XXXX, which is 2.25 times the regular payment amount. When I called Santander, the balance was {$2900.00}, and the last payment was on XX/XX/XXXX. They told me that they don't handle updating at the credit bureau, and I would have to call the credit bureaus directly. I called the credit bureaus and they said the opposite, that the Creditor is responsible for reporting the information to them. I open up a dispute with the credit bureau and at the time that I open up the dispute my balance was at {$1900.00} because I had made another payment on XX/XX/XXXX. While the dispute was in process, I made another payment of {$1000.00} on XX/XX/XXXX bring my balance to {$990.00}. The credit bureau completed the dispute on XX/XX/XXXX and said that Santander reported that they've updated the balance to {$3000.00}. Santander refuses to do anything and the credit bureaus can't do anything unless Santander reports the correct information. Please make them update my credit reports with XXXX, XXXX, and XXXX. My account is paid through XX/XX/XXXX and my balance is now {$990.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XX/XX/XXXX, I opened a bank account with Simple and funded it. Upon information and belief, BBVA Compass had acquired Simple ( formerly " XXXX '' ) at that time and Simple was operated as a subsidiary. Further, upon information and belief, on or about XX/XX/XXXX, Simple was purchased by PNC Bank. ( See XXXX XXXX XXXX  ). At that time, I had bank funds in excess of {$1.00} and potentially up to {$20.00}. 

On Monday, XX/XX/XXXX, I contacted PNC Bank to request a withdrawal and to close my account. I was informed by a PNC Bank " Consultant '' ( Read : Customer Service Representative ) that they could not locate my account. 

Accordingly, I am left to believe that PNC Bank embezzled the funds within my account by virtue of them losing my account.

Company response to consumer: Closed with explanation