BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: Self Financial Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed XXXX XXXX bankruptcy in XX/XX/XXXX, self, inc  was not part of that. In XX/XX/XXXX due to a divorce I converted it to a XXXX XXXX bankruptcy that was discharged XX/XX/XXXX of which self, inc was included. Self did close my account, but later opened it again, I sent self, inc, XXXX and XXXX paperwork of my XXXX XXXX discharge and they have refused to remove the 150 days late self, inc had reported me.i recently had to pay an extra XXXX dollar deposit for an apartment.This item needs to be removed from my credit files and monetary damages be levied against self, and XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with capital one that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XXXX but they reported every month in XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXX/XXXX XXXX   XXXX. They report my charge off date is XXXX actual my charge off date is XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XXXX XXXX, XXXX, XXXX, XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date. Please delet this from my credit report under FRCA guideline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2020-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
PRA PORTFOLIO IS FALSELY REPORTING INFORMATION FROM XXXX  XXXX. THEY ARE REAGEING MY ACCOUNT. I HAVE SUBMITTED THE INFORMATION FROM XXXX  XXXX. THERE ARE PORPOSELY ADMITTING INFORMATION AND DEFRAUDING ME AND LYING TO THIS GOVERNMENT ORGANIZATION. 


Re-aging is a very serious violation of the Fair Credit Reporting Act. Re-aging credit accounts causes older negative accounts to look more recent which can ruin your credit score.

Do not ignore any evidence of account re-aging.

Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. The DOFD ( date of first delinquency ) determines how long a negative account can remain on your credit reports. The DOFD is the date an account became 30 days late and no other payments were made.

A negative credit item, such as a charge-off can remain on your credit report for 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same date.

Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
THEY HAVE REAGED MY ACCOUNT DATES TO 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XXXX XXXX, 2019, MoneyLion approved and sent me a personal loan of {$500.00}.  The payments were reoccurring, drafted automatically from my checking account. Because the payment were automatic, I quickly forgot about it. 

On XXXX XXXX, 2019, a 30-day late/delinquent account appeared on my credit report and it was from MoneyLion. Due to a recent change from my bank, the payments were no longer going through. 

However, if you were to check the phone application, it states that Im still on track for paying my loan. There is no indication that the loan is late. 

There was no notification that my payments werent going through. I was not contacted once. To make sure, I checked my email, the application on my phone, any missed calls/voicemails, text messages, or physical mail ; no correspondence was received in regards to the potentially negative credit reporting that was about to occur. Rather, I was being sent promotional emails. 

Part of the problem was my fault ; not checking if the payments were going through. However, I was mislead by their phone application, saying that I was still on track to paying my loan. I thought everything was still okay. 

I tried to remedy the problem by just paying all the loan at once. When submitting my payment, the application glitched and my payment did not go through. Multiple error messages would appear. I tried three other payment sources from three different banks, and I would still receive an error. 

I then called MoneyLion, or at least attempted to. I spent half the day trying to reach someone about this urgent matter ; all my calls were eventually dropped. The longest I waited was 40 minutes, only for my call to be dropped. 

Finally, I submitted an email to their support team, only to be given a generic automatic reply saying I can check my loan status on the app, which was not helpful. 

I still need to pay the loan, and another potentially negative mark might appear on my credit report. 

Working with MoneyLion is incredibly frustrating, especially when its almost impossible to pay off a loan. 

Proof will be attached with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In late XX/XX/XXXX/early XX/XX/XXXX I was sent a solicitation from Citi /  AAdvantage Platinum Select World Elite XXXX inviting me to apply for a credit card in which I would receive XXXX bonus miles if a spent a certain amount of money on their card over a certain period of time. I completed the application, it was accepted and a new credit card was sent to me. 

I then spent the required amount using their credit card. However, I was not given my bonus miles. When I inquired about this with the company, I was told " Terms and conditions state Acquisition Special Offers will not apply if customers have existing accounts in the same product approved or closed within the last 24 months. '' Apparently, I had previous had this card and closed the account in XX/XX/XXXX. 

While I agree this is a reasonable policy and I agree it is stated in the fine print in their offer, I also think it is entirely unreasonable and misleading when a company with as many resources as Citibank is allowed to solicit business from potential customers with offers that Citibank already knows they do not qualify for. I did not reach to them and ask for this credit card ; they sent me the offer and I accepted it. Further, I think if I did not qualify for the offer they offered to me, they should be required to reject my application and, if they so desire, send me another offer that I do qualify for.

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 2023-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX with account number 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have tried to resolve this issue with XXXX, EQUIFAX and XXXX on XX/XX/2023 but have gotten nowhere. I even sent in proof that this account is reporting inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our original mortgage for our property was with Franklin American Mortgage Company. They sold it to Citizens One Home loans. 

The city that the property is in doubled the tax rate for the property. In addition, the property value has dropped about 40 % from where we purchased it, the utility bills have been a lot higher than we expected and as a result, we can no longer afford to keep it. We reached out to Citizens One over two months ago about options such as short sale or deed in lieu. 

The company has a phone number but it is all automated. No matter when you call it says they are receiving high call volumes. They have a call back but the times that they have called back they immediately hangout when I answer. We used their system to submit request for mortgage assistance but no agent was assigned to help us and there has been no followup by the company. We also paid for copies of our mortgage docs to be mailed to us on XX/XX/XXXX and we never received. Recently they started adding a {$20.00} " other fee '' to our mortgage bill with no explanation as to what for. It's impossible to talk to anyone about the fee. 

I believe that there is intentional fraud and customer abuse at the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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: Was not notified of investigation status or results

Complaint:
As of XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX PUBLIC FILINGS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: MD
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 financial obligations to this XXXX XXXX, account XXXX was affected as a result of an declared disaster. 
As to date the account have been paid on time and all payments should be marked as Paid As Agreed especially since the declared disaster was not as a result of my own doing. The dates are of XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Many people accounts was affected as a result of Covid and I do not feel that it is at all fair that I would have to wait until XXXX of XXXX to have these late payment removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company calls my phone constantly. I have called them & told them that I am not the party they are trying to reach, but they still keep calling. They have called 2 times so far on XX/XX/2019, 3 times on XX/XX/XXXX, 5 times on XX/XX/XXXX, 2 times on XX/XX/XXXX, 5 times on XX/XX/XXXX, 3 times on XX/XX/XXXX. This is just a sample of the past week. Some days, they call over 10 times! I've attached a screenshot from my phone that shows the frequency of the calls.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: GA
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:
To Whom It May Concern : My name is XXXX XXXX, and I am writing you today because I would like to submit a complaint to address what I believe are discrepancies on my credit report. In preparation to purchase a new home in the future, I obtained my credit report and noticed several accounts that are of concern require attention. I hope to gain the correct information directly related to the accounts that are currently listed on my credit report. I am unsure about the correctness of some of the accounts that reviewed and I am not entirely convinced that all the information within these reporting accounts is true. According to the Fair Credit Reporting Act, I have the right to challenge anything I am not sure is precise. There are also accounts that appeared to be unfamiliar and I have no knowledge of their existence which provoked me to write this letter with the intent to correct information that has been incorrectly reported. 
In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Title 15 U.S.C. Sec. 1681 section 602 A states I have the right to privacy.

Title 15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent to do so.

Title 15 U.S.C. Sec. 1681i ( a ) declares reporting accounts on your credit profile which can not provide irrefutable proof of the account in question must be deleted. Should the aforementioned be found to be applicable to any of the mentioned accounts, please remove or delete them from my profile. 
Should you initiate an investigation it will be very much appreciated. I understand that a thorough investigation takes a period of fifteen days for completion. After the investigation has begun and has been completed, please remove the accounts with discrepancies in direct violation of the Fair Credit Reporting Act. I would also like to formally request a report of your findings and what representatives had access to my personal information while the investigation commenced. 
Once again, thank you in advance for your time as you review the following accounts for accuracy in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went to XXXX XXXX XXXX XXXX us bank XXXX officially that must account close I say why! They don't tell me what happening and other bank block. Frustrated also they are bitclose account yet I say give me money the. They say XXXX no and feel like I am victimized I know this is set up for XXXX XXXX money I am fed up since 6 month call me XXXX sometime email block so I. 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 2020-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Dear CFPB, Once again I attempted to resolve a severe case of Fraud affecting my entire life with Capital One. 

I am a documented victim of faith, and the CFPB is required to protect consumers from the companies such as the Capital One who are violating the he Fair Credit Reporting Act ( FCRA ). Yet the CFPB has refused to take any action against Capital One for their clear and blatant refusal to follow the law ; the law the CFPB was founded to enforce. 

Around the XXXX of XXXX of 2020 I once again contacted Capital One concerning the fraudulent account they have in my name. At first a representative stated something about the dispute being closed due to " pictures being found ''. When I had the representative transfer myself to the department who could supposedly tell me more about those pictures the representative from said department XXXX XXXX XXXX changed the story refusing to address any mention of such pictures. 

She would then claim, lying, that Capital One has repeated refused to address this fraud because we had " never sent in a police report '', and if we sent one in it would be resolved. This is a lie, for the CFPB 's records has clear and undeniable evidence that I have submitted such police reports multiple times. Again, the CFPB has clear and undeniable evidence that Capital One is knowingly violating the FCRA in it's own records. 

I relented and allowed XXXX to once again send me a Capital One secured-link to reupload the police report. XXXX of Capital One 's Fraud Department who is assigned to handle such cases gave me a clear time frame to upload said documents. I informed her I would. However, I just received a letter signed by XXXX dated XX/XX/XXXX stating she " found no evidence of fraud '' and therefore the continued hindering of my and my daughter 's ability to have a home and improve my life will continue. It is clear XXXX and Capital One never had any intention of investigating anything as she never even looked at the evidence provided for she had never received it nor had she even thought to wait until the time frame had elapsed before ignoring the matter. 

There is no longer any doubt that Captial One is violating the FCRA and consumers rights and I am certain you have plenty of cases of consumers who are being hurt by Capital One 's abusive. We demand to reached out by phone by the CFPB legal department to discuss this matter.

Company response to consumer: Closed with explanation