BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have 3 promotional balances on my card. One promotional balance expiring on XX/XX/23, XX/XX/23 & XX/XX/23. In order to pay off my promotional balance expiring on XX/XX/23 to avoid interest charges, I have been making additional payments of {$51.00} towards the balance. My payments were made on XX/XX/23 & XX/XX/23. I will also be making the same {$51.00} payments on XX/XX/23, XX/XX/23 & XX/XX/23. Synchrony Bank is applying my additional payments towards the promotional balance expiring on XX/XX/23. By doing this, they can charge me interest on my promotional balance expiring on XXXX contacted them about they payment made on XX/XX/23 and they corrected their error. However, the payment on XX/XX/23 was applied to the promotional balance expiring on XX/XX/23. I should not have to keep calling or messaging them for my payments to be applied correctly.

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 2016-05-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax was advised on XXXX, this information that this account was in XXXX, and then again advised regarding the matter that this account is unsecured and is not backed by a student loan or government entity of any kind. University XXXX Louisiana XXXX shows a debt for XXXX, this is a unsecured debt and i have provided several times the document showing that the account should state closed and discharged BK as of XXXX The account is no longer a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have checked my credit report and have found XXXX as a credit XXXX. I have in no way ever signed for or agreed to pay this and would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: ENCORE CAPITAL GROUP 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:
Dear CFPB, This account : MIDLAND CREDIT XXXX, MIDLAND CREDIT MANAGEMENT, and/ or MIDLAND CREDIT MANAGEMENT XXXX ( XXXX ) is reporting several inaccuracies and False Information. The reported Companys Name, and Mailing Address for this account is Different and inconsistently reported on my XXXX, XXXX, and XXXX report. 

XXXX : Name : MIDLAND CREDIT MANAGEMENT XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX XXXX : Name : MIDLAND CREDIT XXXX Address : XXXX XXXX BIG XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX : Name : MIDLAND CREDIT MANAGEMENT Address : XXXX XXXX XXXX LA XXXX, XXXX XXXX, XXXX XXXX, CA XXXX To my knowledge it is Not Possible or accurate for a Company / Account to have XXXX Different Names and Mailing Addresses. Furthermore a company is prohibited from reporting a XXXX XXXX XXXX and/or Mailing Address. 

My second complaint is this Account is reporting Past Due : {$640.00}, which is Falsely Reported because that would indicate that a prior payment arrangement was made regarding this accounts balance, in which I DO NOT have ANY prior or present payment arrangements. with MIDLAND CREDIT MANAGEMENT, MIDLAND CREDIT XXXX, or MIDLAND CREDIT MANAGEMENT XXXX. 

Also XXXX is reporting the date of removal XX/XX/2027, and XXXX is Reporting On Record Until XX/XX/2027. 
This is also inconsistent and inaccurate because these dates should be the same if the data furnished is 100 % accurate. This also a indication that this account may have been RE-AGED at some point. 

Please investigate the accuracy of the complaints described above. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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  Account # XXXX Account Name : XXXX XXXX Company, Account Name : XXXX XXXX XXXX, Account Name : XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2021-01-11
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/20 Loancare processed a duplicate mortgage payment in my XXXX brokerage account. The charge was for {$1400.00} which is my correct monthly mortgage payment. 
Details of the transaction are as follows " XX/XX/20 DIRECT DEBIT LOANCARE SERV MTG PYMT {$1400.00} '' Tracer # is : XXXX. 
I had already made my mortgage payment of {$1400.00} through another bank on XX/XX/20. 
Loancare has been contacted over 5 times by phone and 9 times by e-mail/message on this issue and they refuse to acknowledge the payment or respond in any way. 
I would like loancare to return the payment plus interest or credit the payment to my account as of XX/XX/20. 
Thank you

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 2023-11-30
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-10-26
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved into the apartments XXXX XXXX, located in XXXX, GA 2020 XX/XX/2020. Upon my walk through which did not take place until after my lease was signed, I noticed many things wrong with my apartment in the days/ weeks to come. In addition to but not including, there not being any running hot water in the master bathroom, many insects and small rodents, a noted coyote problem which was I was not advised of before moving in ( which is against the law ), wooden planks with nails sticking out ( violation of building and health laws ), due to all of the issues listed with some excluding, I eventually moved out. Before moving out, I did advise the rent office many times of the issues, the issue was escalated to the property manager and I was told that I would just need to provide them with a notice to vacate and that would be it. All women in that office are miserable, unprofessional, hateful, petty and honestly cause such shame to not only themselves but women in professional places in general. 

The cheap issues were fixed, the issues that cost money were not, and I served them with an intent to sue XX/XX/2020. After that notice was sent, the defamation of character slander began ( listed in the lawsuit as well ). The rent office, corporate and the property manager stopped answering calls and emails. Maintenance stopped fixing what they said they would fix in the beginning and served me with another statement that was over 4 times the amount of the first statement they sent.

That is nothing short of retaliation. They added on additional fees, out of pure spite and hatefulness. I asked for proof of the mess I left behind that resulted in the addition fees and I was told the company had no proof since it had been more than six months.

I asked why I received two different statements for two different amounts, one before being sued which is the accurate statement and the other which is false, after the lawsuit was served. 

You can not just add additional fees and charges to a statement and not have additional proof to back those allegations up. 
I have asked for a thorough investigation from all credit reporting agencies, the credit collection company and the third party law firm that is actually handling the collection. XXXX XXXX XXXX is listed on my credit report as the debt collector but it is actually being handled by a law firm. 

The first statement that was sent to me is the correct statement, the second one was sent out of retaliation which is again, another law this company has broken ( XXXX  XXXX ). I need a real investigation based off the dates included, the details of the lawsuit and the fact that no proof has been provided in over a year.

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 2022-12-06
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When selecting the options, it did not provide the actual problem I am having although the option I did select is a concern as well. 

My problem is that I have had this credit card since I believe XXXX I have always paid my balance in full XXXX XXXX. Initially, I was able to make the payments online. I pay my balance from multiple accounts, so there multiple payments made every month. A XXXX XXXX ago ( or mayble less ), they limited the number of payments online to XXXX payments. This has been an inconvenience because I now have to call every XXXX  and make the individual payments which is time consuming. This isn't even the problem. The problem is I tried making the payments for this XXXX and not only did they only allow XXXX payments online, but when I called to make the additional payments to pay off my balance, they told me that I couldn't do it anymore because i was limited to XXXX payments per day now. The XXXX I spoke with was surprised as well as she said this was the XXXX time she experienced this. I tried calling again later in the day thinking maybe it was a glitch, but in fact it appears it is the new policy. The representative suggested I start paying the bill early. Although I do make early payments regularly, I do not feel I should be obligated to do so. If my statement shows a payment due date, Barclay should honor that date and allow me to make the payments. The fact that they don't allow me to make all the payments online anymore is extremely surprising and I would think inefficient, but to not allow it over the phone makes no sense at all. 

That being said, the selection I made regarding the payment taking a long time to be applied to my account is also an issue when I make multiple payments. If I make XXXX payment, it seems to apply quicker. When I make multiple payments, I have to wait XXXXXXXX XXXX at times unless I call and have them speak with the bank to verify funds.

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 2021-10-27
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I requested and received a free copy of my credit report ( dated XXXX XX/XX/2021 ) from the Experian Credit Bureau. The bulk of the information was accurate except that there were two previous addresses which were incorrect and did not belong there. I submitted a written request ( via USPS ) to have these two addressed removed. On XXXX XX/XX/2021, I received an email from my estranged brother advising me that he received two email from Experian advising that my dispute results were available. He forwarded these emails to me and I subsequently called Experian to find out what was going on. 
An Experian agent advised me that they responded to my dispute via the only email that they had on file for me. I advised them that I have never provided an email to them, in fact, my only correspondence with them has always been in writing and via US mail. They also advised me that I had an account with Experian. Apparently, an account was set up in my name with a password, a PIN, a security question and my brother 's email address. After going back and forth with the agent, I convinced them who I was and was allowed access to the account. I took this opportunity to change all the information except for my brother 's email address. 
I stated that I wanted this investigated as an identity theft and asked that charges be filed. I was told that I needed to file a police report to get that started. I filed the police report with the XXXX XXXX Police Department on XXXX XX/XX/2021. A copy of this report was forwarded to Experian along with additional proof of my identity. Experian responded by issuing a fraud alert - and nothing else. 
I tried multiple phone call to Experian to emphasize my desire for answers. I finally wrote to Experian on XXXX XX/XX/2021 and repeated my request to have this matter investigated and prosecuted. I received a generic response that a fraud alert was issued per my request. ( I never requested a fraud alert ; only an investigation. ) I strongly suspect that it was my estranged brother that committed this act, however, I can't guess what his motive was. I can not pursue this matter on my own as I have no idea where this crime generated from. Only Experian can help me with that. 
I would think that Experian would have some concern regarding someone breaching their system but they have shown no interest. I want to know how this happened, who committed this act, and see a referral to law enforcement.

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 2023-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Was not notified of investigation status or results

Complaint:
I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX I was denied credit because Experian still reporting XXXX private XXXX loan ( charge off ) on my credit report. According to the lawsuit settlement this information was to be removed. XXXX did their part my cancelling this loan. The problem is every time I submitted any other dispute against XXXX on Experian dispute website it would say Disputes submission failed! They program their computer system to reject dispute submission on the same account dont matter if it relevant, accurate, and factual. Even when I got documentation to prove my case if the dispute was done years or months prior for the same reason it is rejected. Experian said they can do this under section FCRA 611 ( a ) ( 3 ) ( A ) but they have discriminate against and violating my right by not letting me submit my information. How can you determine my submission frivolous or irrelevant if you block it and may it harder for me to file dispute must called number that line stay busy etc. but you never seem my information yet. You are judging me and what I want to submit relevant, accurate, or not before reviewing the information. That is wrong and discriminatory. This treatment have been going on for years begining in 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 2023-02-15
Company: ResidentCollect, 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: Problem with personal statement of dispute

Complaint:
I sent Innovative Recovery Inc a Debt Validation Letter on XX/XX/2022. I first received a letter from them a few days after XX/XX/2022 as the first letter is dated XX/XX/2022. Innovative Recovery Inc has failed to respond to my Debt Validation Letter which is a violation of the FDCPA. I have all my documents to prove that I sent them a Letter. I disputed this issue twice with XXXX and nothing was done. The first time I disputed without any documentation and the second time I disputed with documentation. Innovative Recovery Inc was added to my XXXX report in XX/XX/2022 but I received the first letter from Innovative Recovery Inc XX/XX/2022 so that doesn't make sense either. Innovative Recovery Inc and XXXX has completely ignored the Debt Validation Letter issue. Something needs to be done or will my next steps will be contacting my state 's attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am submitting another complaint in response to false and misleading statements made by Portfolio Recovery Associates ( PRA ) in CFPB complaint # XXXX on XX/XX/2021. On XX/XX/2021 PRA responded and had stated they did not use " false and misleading means '' in regard to my address. I have attached copies of the envelopes they sent with the wrong addresses and the dates they were sent. Clearly a violation of the FDCPA. PRA also stated that they did not receive any correspondence from me which is also false. I also attached Certified mail receipts along with green receipts with signatures stating they were received multiple times. PRA also stated they notified credit reporting agencies that the debt was disputed but the debt remained on all three credit reporting agencies and is still reported which is a violation of FCRA 15 USC 1681a ( e ) PRA can not report any factual information. I did receive a response back from PRA on XX/XX/2021 stating PRA did an " investigation '' and sent documents to try and established the debt was valid but failed to provide the information that I had requested. According to 15 USC1681a ( e ) an investigation is interviews with friends and family of the consumer. AS of today PRA has not interviewed any of my friends of family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX continues to report incorrect information to my Experian credit report. It is reporting that the account is opened instead of closed with XXXX balance. I have had issues with them reporting incorrect information, I reported them to XXXX XXXX XXXX  and they removed but months later they are reporting incorrect information again causing my credit score to drop by 13 points putting my chance of getting a mortgage for a house in jeopardy. They will not stop doing it. It is extremely hard to get to talk to them.

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