BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a phone call from FIRST NATIONAL BANK OF OMAHA claiming that a credit agency reported that my card was blocked. 

Subsequently FIRST NATIONAL BANK OF OMAHA closed my account. 

They told me if I fixed the credit report they would re-instate the account. However after all the fixing they left the account closed a refused to work with me.

They insisted that I re-apply for a new account. I did and as of today I received a notice it was not approved.

The bank keeps telling me a mgr will call me to help correct this matter and I have never in over 3 weeks received a single call, email or letter.

Only the original phone call until today I got an email after I checked the portal and found out the application was declined, I got an email saying to check the portal for the status.

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 2023-03-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered an inaccurate closed Auto Loan account on my credit report in XX/XX/XXXX from XXXX XXXX XXXX. Ive disputed this account several times with the credit bureaus which always resulted as the account being verified and it continues to still report derogatory marks on credit report. I then disputed the account directly with the company under the 15 U.S. Code 1692g - Validation of debts stature and this company has never responded to me. My first attempt to reach out to this company directly was on XX/XX/XXXX. I submitted my request on that day via certified mail and confirmed that this company received my request on XX/XX/XXXX ( Certified Mail Receipts Attached ). I then submitted a second request on XX/XX/XXXX and confirmed that this company received it on XX/XX/XXXX. Ive given this company more then thirty days each request to validate this debt and they have not and completely ignored me.

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 2023-03-15
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:
I discovered an inaccurate closed Auto Loan account on my credit report in XX/XX/XXXX from XXXX XXXX XXXX Ive disputed this account several times with the credit bureaus which always resulted as the account being verified and it continues to still report derogatory marks on credit report. I then disputed the account directly with the company under the 15 U.S. Code 1692g - Validation of debts stature and this company has never responded to me. My first attempt to reach out to this company directly was on XX/XX/XXXX. I submitted my request on that day via certified mail and confirmed that this company received my request on XX/XX/XXXX ( Certified Mail Receipts Attached ). I then submitted a second request on XX/XX/XXXX and confirmed that this company received it on XX/XX/XXXX. Ive given this company more then thirty days each request to validate this debt and they have not and completely ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: LA
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:
RE : CFPB Complaint ID XXXX XXXX XXXX  Account No. XXXX I recently submitted a CFPB complaint detailing erroneous late payments being report which are violations of my consumer rights under 15 USC 1681 ( 2 ) ( a ) ( i ) and also section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report How can I be late on payments when there is a finance charge ( 15 USC 1605 ) that's payable to me? In addition to that my statements are proof of the credit ( s ) that are due to my estate ( owner ) of the account. FCRA SAYS THAT TRANSACTIONS AND EXPERIENCES ARE TO BE EXEMPT FROM REPORTING!!! This complaint should have never been closed without a satisfactory investigation using FCRA guidelines as a medium between the consumer and the person making the report!

15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-09-17
Company: Experian Information Solutions Inc.
State: LA
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:
someone stole my personal information and have been opening accounts under my name without my permission I made a FTC report and contacted the credit bureaus they didn't remove the account off my credit report after the investigation after i been a victim of identity theft. 

XXXX Report XXXX  XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX  XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) XXXX XX/XX/XXXX {$800.00} Experian Report XXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$22.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$490.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX  XXXX XXXX XX/XX/XXXX {$580.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, Used XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
RE : CFPB Complaint ID XXXX XXXX XXXX XXXX XXXX XXXX I recently submitted a CFPB complaint detailing erroneous late payments being report which are violations of my consumer rights under 15 USC 1681 ( 2 ) ( a ) ( i ) and also section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report How can I be late on payments when there is a finance charge ( 15 USC 1605 ) that's payable to me? In addition to that my statements are proof of the credit ( s ) that are due to my estate ( owner ) of the account. FCRA SAYS THAT TRANSACTIONS AND EXPERIENCES ARE TO BE EXEMPT FROM REPORTING!!! This complaint should have never been closed without a satisfactory investigation using FCRA guidelines as a medium between the consumer and the person making the report! 

15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-03-15
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am having difficulty getting my PSLF payment count updated with Mohela. I currently have 12 student loans with Mohela. They were transferred from XXXX XXXX in XXXX of XXXX. When they were transferred to Mohela, Mohela told me in a on their website not to resubmit any PSLF documents since they would receive them from XXXX XXXX and process them accordingly. XXXX XXXX had already processed them. 

After waiting months for the documents to be processed, I called Mohela and I was informed that while they did in fact have the documents, it would be beneficial for me to resubmit them with additional documents showing my employment during that period. I resubmitted the documents with additional employment information in XXXX of XXXX. 

On XX/XX/XXXX, I logged in to the Mohela website to see that they cancelled the processing of my PSLF documents without emailing me, sending me a letter in the mail, or calling me. I spoke to Mohela on XX/XX/XXXX. The customer service agent told me that she would put in a request to resubmit the PSLF application but that if I did not see the application updated and the PSLF tracker updated by the time payments are scheduled to resume in XXXX of XXXX that I should submit a forbearance request. This would be in Mohela 's favor and would mean that it would take longer for my PSLF application to be accepted because I would not be making qualifying payments that count towards forgiveness while it's in forbearance. Additionally, if they were processed in XXXX of XXXX, that would have been an entire year of waiting for documents to be processed. 

It has been 8 months since Mohela has received the documents to process my PSLF application. It should not take this long to process PSLF and I don't appreciate not being informed that my documents have been cancelled. I am being told that it can take a long time, and while I understand that and am being patient, it is almost time for me to recertify and resubmit documents for the next year. 

I would like to get my documents approved and the payment count tracker updated before payments resume and I have to recertify for my next year 's employment.

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 2023-03-15
Company: QUALITY ACCEPTANCE LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I've contacted on numerous occasions. In the appropriate time of repossession. All I ask of the company is to provide documentation of sell of vehicle and amount of my loan that was paid off 3 months early. Spoke with company on multiple occasions of Pay out for vehicle. I was provided a different amount from whats on my credit, what was reported for pay out to numerous of other dealership companies when I was looking to trade for a working car because the car broke down months prior to turning over the vehicle. After turning the over vehicle, company could not provide me any documentation of sell nor why my pay out is different after received. A dealership called on my behalf on XX/XX/2022 regarding payout for the vehicle and was quoted remaining balance was {$4600.00}. After vehicle was sold at auction is when the remaining balance went back to almost {$10000.00}. The regular amount paid for vehicle. Contact company on multiple occasions regarding the increase balance and request the documentation for account before account appear on my credit report and before turning into a charge off.. Company refused to provide information I am requesting, and Defamation of my character numerous of times. To where I am feeling threatened by the company for requesting the validation of debt. Company has taking to threat to sue me in small claims because I am not answering calls and company refused to abide to my only certified mail contact. I am at the point where I don't know what to do if I can not get the company to respond. And when company finally do is threatened to sue for more money and pull debt amount. And all I am doing and been trying to do is resolve this matter easily and quickly as possible but company refuses all attempts. Recent letter sent to company is attached due to company has Defamation of my character numerous times. Response letter from company is attached as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Capital One does not show any details on balance transfer promotions on the monthly statement. I have never seen this on any other credit card company. The norm is, date started, the balance, the amount of interest deferred, and the due by date for when promotion ends as to not be charged the deferred interest amount. Capital one only provides balance with no end of promotion pay by date. When I called, they said they would note my complaint. When I asked for what the payoff amount would be for each promotion, they would not give me an amount, they could only give me the amount from last statement. I told them I have paid {$2600.00} since last statement so that cant be the correct amount. They eventually hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While trying to secure housing, there was a direct negative impact these inaccuracies had on my rental application. I had damages on my credit report because my personal information was exposed in the XXXX data breach.

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent a handwritten letter on XX/XX/XXXX regarding fraudulent hard inquiries that were posted on my account to all three Credit Bureaus. 

I put them on notice having understood they have violated 15 USC 1681 ( B ) As I have the right to privacy and a consumer reporting agency can not furnish an account without my written instructions. Both together and separately my consumer and privacy rights are being violated. I demanded that my account be cleared of the following hard inquiries within my initial communication. I reminded them that it is the duty of the bureaus to accurately report information which as of now is not being done. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX INQUIRY XXXX XXXX XX/XX/2022 XXXX INQUIRY TRANSUNION is still holding these inquiries on my account as of XX/XX/2022. 
As the consumer, I have been injured due to TRANSUNION 's willful noncompliance. They received my letter on the XXXX of XXXX and I gave them 10 days to take action and nothing has been done.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the reporting of a fraudulent account on my credit report, which is only being reported by your bureau. After carefully reviewing my credit reports from other bureaus, it has come to my attention that this specific fraudulent account is not reflected in their reports. 
XXXX XXXX XXXX XXXX XXXX DELETE!!!! 
I am perplexed and concerned about the inconsistency in reporting, as it suggests an error on your part or, worse, a potential security breach. Given that the fraudulent account is not being reported by other credit bureaus, I strongly believe there is an issue specific to your reporting system. 
I have taken the necessary steps to address this matter with the other credit bureaus, and they have not listed the fraudulent account on my credit report. It is evident that this account is a result of fraudulent activity, and it is essential to rectify this situation promptly. 
I understand that it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. I request an immediate and thorough investigation into why this fraudulent account is uniquely present on your credit report and not on reports from other reputable bureaus.

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 2023-03-15
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1.I have never had an account with this company LVNV FUNDING LLC , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are LVNV FUNDING LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: NJ
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 two fraud collection on credit report that I disputed and the credit bureau are reporting that it has been verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress