BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: CA
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 been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX *. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: Uprova Credit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have successfully taken and repaid a loan with uprova in the past and continuously receive emails telling me that I'm eligible for a new loan and to reapply. I have applied 5 times each time getting denied and I never received a letter stating the reasons for denial for any of the applications. I contacted the Uprova informing them of this and each time they continued to tell me that I will receive reasons why the application was denied via email within 30 days. I never once received an email stating any reasons why my application was denied. Furthermore, just 2 weeks after applying and being denied I would receive an email from Uprova stating that something in my credit file may have changed and to give them another chance and to reapply. I submitted another application only to once again be denied without explanation. I filed a formal complaint with the company and on XX/XX/2023 the complaints department emailed me stating that the reason my applications were denied was because Uprova couldn't work with the financial institution listed on my application. That is the only reason they provided and I was never given the opportunity to provide alternate account information. Moreover, I requested that Uprova provide me a list of financial institutions that they can work with and specifically asked if they could work with XXXX XXXX XXXX XXXX. If so, I offered to provide my account information since that is the only reason stated the application was denied and did not receive any response. I feel they are untruthful and not offering me the same credit opportunities as others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased ( XXXX ) {$500.00} giftcards from XXXX on XX/XX/23 ( have receipt ), and utilized XXXX of the XXXX cards immediately. I left ( XXXX ) {$500.00} gift card to be utilized later. 

I tried to used the XXXX gift card on XX/XX/23 only to find it drained. I have physical possession of the card, the receipt, and did not give anybody this card. I have contacted the XXXX party card issuer on XX/XX/23 and XX/XX/23. On XX/XX/23, they said they were giving me a package, no package has arrived via XXXX ( been 11 days / nothing ). On XX/XX/23, they said they were issuing me a new card ( been 6 days / nothing ). 

They have refused to give me a case ID number, acknowledge prior calls, and just waiting for their timeline to tick down. They do not want any documents, nor do anything. 

The card is prepaidgiftbalance.com, issued by US Bank National Association.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: AES/PHEAA
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:
When I left XXXX University in XX/XX/XXXX I had a balance of {$6200.00} in which I was making payments up until XX/XX/XXXX with a remaining balance of {$4200.00} when I went back to school at the University of XXXX. I made one more payment at XX/XX/XXXX to drop the balance at {$4000.00}. From my understanding as long as I am in school at a part time capacity or better and after graduation I have a 6 month grace period. I recently discovered that my credit score got affected negatively in XXXX of XXXX so I asked for my credit report in which it showed that FedLoan Servicing reported to XXXX, XXXX, and XXXX  that my account was delinquent. I've contacted them on 3 separate occasion trying to settle/dispute this account in which I was made to pay {$300.00} on XX/XX/XXXX which they never explained that the account was active again but I was told on 2 other occasion that this was still delinquent because it was past due 90 days and it was suppose to be in the delinquent department which they refuse to give the number for. Now I called again today and was told that the account is not delinquent. 

My complain is with the action they took they have damaged my credit score significantly that it dropped over 200 points. I have never received any type of communication from them either mail, phone calls, or email and I was told that they have tried reaching me with all of this but I have never even received a voice mail. Upon receiving my credit report I see that they have been billing me from XX/XX/XXXX-XX/XX/XXXX and from my understanding I have a 6 month grace period upon graduating from school which I graduated in XX/XX/XXXX. I wasn't even given a 6 month grace period on top of the fact that they never sent any type of communication to me. 

I understand that I owe the loan but the way they handled the matter and destroyed my credit score is  what I'm fighting for. I want them to remove the negative notes they sent to XXXX, XXXX, and XXXX  and fix my credit score. I have a attached a copy of my credit report showing that they have started billing me 1 month after graduation without any communication. This is not fair practice from a financial institution and is a irresponsible actions that can cause possibly not getting a job, can't find a place to stay, or can't get a loan for a home because they ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It is the third complaint that I place exactly the same. The SPS company responds to you that they have already sent the check but the check NEVER arrives, but the letter saying that they are going to send it does arrive. I think SPS is making fun of me and you with their answers

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: CCS Financial Services, 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: Information belongs to someone else

Complaint:
Debt collector reporting inaccurate information on my credit report. I never received a debt validation notice and no one never contact me regarding this debt. 

*** Debt Collectors are required by Fair Debt Collection Practices Act to send consumer a written debt validation notice with information about the debt theyre trying to collect. It must be sent within five days of the first contact. 

**Debt collector is violating Fair Debt Collect Practices. 

Further more this payment was made on-time with the original creditor, see attached confirmation receipt for your reference. debt collector claim is fraudulent and inaccurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Debt belongs to XXXX and American Express brought this issue in front of the same court on XX/XX/XXXX and this case subsequently was closed after 4 years of constant harassment. Debt belongs to XXXX statute of limitation on the debt has expired but the harassment has continued. 
1- It has been 10 years since original debt and Statute of limitation on this debt has been expired. In Nevada, the statutes of limitation NRS 11.190 for credit card debts are generally 4 years from the time of first non payment. 
2- Notice of appearance was sent to a wrong address and late to ensure that I, XXXX XXXX , will not receive the notice. 
3- Original complain in XXXX was not brought in a timely manner, As the Supreme Court confirmed in the case of Rotkiske v. Klemm , 140 S.Ct. 355 ( 2019 ), discussed below, absent the application of an equitable doctrine, lawsuits arising under the FDCPA must be brought within one year from the date on which the violation occurs. ( 15 U.S.C. 1692k ( d ) ).

4- FDCPA Statute of Limitations was established so harassment such as this are not open ended and fear, phone calls, threats and abusive behavior stops, 5- This case has been initiated and subsequently was closed after years of such behavior as explained above. Any further harassment should cease and desist immediately.

a new complaint was started by American Express about the same issue on XX/XX/XXXX almost 11 years after it was reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/21 someone used my card at an atm and pulled {$640.00} out of my account, this was when I realized my wallet was gone. I called bank of America immediately to report fraud. I also called edd. This atm was in another city at least 100 miles from my home. On XX/XX/21 edd lifted the hold on my account after their investigation, and verifying my identity. Now bank of America has been giving me the run around telling me that there is a hold on my account still from edd after I had given them the reference number several times. Still nothing. I received my new debit card already. Please help me solve this issue it's hard enough in these times having to be on unemployment and it being my only source of income raising XXXX toddlers. But to have to deal with the Bank giving me the run around and tell me they are waiting for edd when edd has already done their job.

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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX through XXXX of XXXX, I disputed accounts on my credit report with all of the following credit reporting agencies ( TransUnion and XXXX ) that were inaccurately listed yet DO NOT APPEAR on my credit file with XXXX. These accounts were obtain during XXXX to XXXX  and were used by my spouse. Since it was realized that he opened these accounts in my name without my permission and used the accounts during our marriage, these accounts were listed in the divorce agreement for payment by my spouse ( who initiated opening these accounts ). Since I was being hounded, I paid the settlement amounts as agreed with these companies. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. This has caused undue stress in trying to remove this inaccurate information. These companies should not be allowed to post and/or re-post information to my credit files, at all, since the inaccuracies are abundant and constant. 

In accordance with the fair credit reporting act the following companies 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 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

15 USC section 605A. Regarding identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ], I am entitled to have an alert placed on all my credit files stating " Credit file can not be accessed without the permission of XXXX XXXX by calling ( XXXX ) XXXX and given the code name XXXX XXXX  XXXX ''. Identity theft report was given to all credit reporting agencies ( XXXX, TransUnion and XXXX ). 

15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons. I have provided multiple reasons and inaccuracies. 

One one address should be listed on my credit file : XXXX XXXX XXXX , XXXX, IL XXXX ( and no other address should be listed. Only on phone number should be listed on my credit file : ( XXXX ) XXXX ( and no other phone number ). 

I demand that all these accounts listed above be removed from my credit reporting file or risk a {$1000.00} penalty.

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 2023-08-26
Company: EQUIFAX, INC.
State: VA
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a very high interest Capital One Card that also charges a membership fee. A few times I've tried to get the interest rate lowered and membership fee dropped ( my credit score is usually in the high 600 's - 700 range ), but was was told I'd have to apply for another Capital One card to receive more favorable terms. 

So, finally about a month or so back I decided to apply for another Capital One card that had 0 % XXXXnterest for a year and no membership fee, and I was approved. 

A bit after receiving the new card in the mail, I called Capital One to activate the card. At that time I told the Capital One Rep that I had gotten this card for the sole purpose of transferring the balance from the high interest Capital One Quicksilver card to the new 0 % interest Capital One Savor card. The Rep said she could take care of that, and would you like to do that today? I said no, that I had to get back to work, but I'd call back soon to take care of it. 

Yesterday on XX/XX/2019, I called Capital One to do just that, but this Rep told me I couldn't and that I was given the wrong information from the previous Rep. I said, something needed to be done since I was given false information. And to add insult to injury, I used the higher rate card on an expensive car repair and other purchases and would have used the Capital Savor Card with 0 % interest had I know this information. I was then told that nothing could be done, but that my interest rate on the Capital One Quicksilver card could be lowered from 21.5 % to 17.15 % LOL ( I just looked on the Capital One ap today and it's still at 21.5 % btw ). 

1. The way that Capital One operates, by forcing a consumer to apply for an additional card to receive a lower interest rate and no membership fee is predatory and penalizes the borrower by lowering their credit score and forcing them to increase their amount of available credit. 

2. To make matters worse, the company does not honor promises made by their own employees, which takes their predatory nature to an even higher level.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX and I am submitting this CFPB Complaint asa follow up to the 1st round Complaint I recently submitted. I sent a letter addressed to the Credit Bureaus on XXXX XXXX XXXX  requesting the Credit Bureaus to remove the Accounts and information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXXXXXX Balance : {$710.00} XXXX XXXXXXXX XXXX BANK XXXX Balance XXXX {$580.00} XXXXXXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that the Credit Bureaus send me an updated copy of my credit report once the fraudulent items have been removed.

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX To Whom it XXXX concern, There is information that's on my consumer report that is a result of identity theft.I did not provide written permission, or instructions for the identified transactions to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted.My request to block is not being made in error, nor is my request to block being made on the basis of a material misinterpretation of fact by me relevant to the request to block the identified transactions.The identified transactions are not information related to any transaction by me as the consumer : Fraud accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Hard Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX T XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice.I look forward to your response. 



Respectfully Submitted, XXXX XXXX, XXXX [ Agent/Beneficiary ] Without Prejudice.All Natural Alienable Rights Reserved

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 2023-07-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to make arrangement to get our mortgage caught up since XX/XX/XXXX ; however, SPS Servicing company has declined to help us in any way. I have sent them checks in the mail, and they just return them to me, stating that they are not sufficient in the amount to resolve the dispute? I requested to make two payments, to spit up the difference to make it little easier on us to get the payments caught up, but again, they refuse to work with me. We have been in our home since XXXX ; and have a family who we are trying to raise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief