BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-18
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I provided Western Union with my credit card to make a money transfer out of country in the amount of {$870.00} USD. The money was for the purchase of one pair of women 's XXXX tennis shoes. When the merchandise did not arrive and the merchant could not be reached, I filed a claim through Western Union. They were very uncooperative and did nothing to help me recover my money.

Western Union has a history of aiding and abetting fraud and they have an active settlement with the US government, however, my incident is to recent to fall under that settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been delivered papers by a collection company named LVNV Funding LLC, c/o XXXX XXXX XXXX XXXX. for overdue credit in the amount of {$2000.00} on an account opened around XX/XX/XXXX. I have since enrolled in a debt relief program under the offices of XXXX XXXX who has consolidated my debt and has supposedly been negotiating with my creditors. I pay {$280.00} on this account monthly. This particular creditor, XXXX XXXX, has not cooperated with XXXX and has been aggressively pursuing me personally to collect this debt. I received summons on XX/XX/XXXX, but the summons were dated for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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 FOUND A DEROGATORY ACCOUNT THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE AND THIS ACCOUNT WAS NOT AUTHORIZED BY ME. I WOULD APPRECIATE IT IF THIS ACCOUNT CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2021-12-02
Company: Regional Management Corporation
State: SC
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: Investigation took more than 30 days

Complaint:
During initial contact with XXXX, I disputed this account. I was sent a check from XXXX XXXX XXXX in the amount of {$240.00} issued XX/XX/XXXX which states the date of loss is XX/XX/XXXX which prove this account was paid. I have yet to receive a response from Regional Finance. I contacted XXXX on the morning of XXXX XXXX. I asked for the contract to be sent to me I was told that I would receive a call back. I never received a call. I contacted Regional Certified Mail Receipt on XX/XX/XXXX for validation and a notification of disposition, waited 14 days, no response. I contacted Regional again on XX/XX/XXXX certified mail as well regarding the same accounts. According to XXXX. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT there should be a response within 14 days regarding information referring to " collateral. '' This account is paid and has been paid, this company is reporting two separate accounts regarding these experiences. Please remove these late payment or " experiences '' from my credit report in failure to respond in the allotted time and report accurate credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Spring Oaks Capital, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This debt collect agency did not sent proper notice of this debt to me before reporting to a credit bureau ( XXXX  ). I was unware that I could dispute the debt and the fees added so I asked for a payment arrangement. Therefore, I had made a recent payment to this debt and asked for payment reminders from this debt collector via email. Upon not getting proper notice on when this debt would be reported to the credit bureau. This was reported without giving me a proper notice that regardless of any payments or payment plans with 45 days of a an initial notice, it will we reported to a credit bureau agency. They claim that a this letter or notice of their intent to report is incorrect information. They reported in a unfair and unreasonable way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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:
n accordance with the Fair Credit Reporting act XXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX XXXX  XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX-XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # 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

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 2020-02-24
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is resubmitted based off the results of my last two previous attempts to correct this issue. My last two complain submissions were : XXXX and XXXX. 
I am resubmitting this because on my complaint, at the end of the process I was asked if the issue was resolved, I said " no '', then the case was closed. This didn't make sense. 
Now I am submitting more documentation and a better detailing of my issues because the last time apparently wasn't good enough. 
Back in XXXX ( while in the military ) I started making monthly payments of {$53.00} with a Basic pay of {$1000.00}. 
In XXXX my Basic pay went up by {$72.00} and my monthly payment went up to $ XXXX/m. 
In XXXX my Basic pay went up by {$83.00} and my monthly payment went up to $ XXXX/m. 
In XXXX my Basic pay went up by {$29.00} and my monthly payment stayed at XXXX/m. 
In XXXX my Basic pay went up by {$240.00} and my monthly payment went up to $ XXXX/m. My Basic Pay was {$1200.00} and now its {$1500.00}. My income did not double but how is my monthly payment almost doubling what I was paying the year before. This doesn't make sense. I had submitted the same complain back in XX/XX/XXXX-XX/XX/XXXX and myfedloan readjusted my loan amount fairly back down to a reasonable amount. Now, in my last complaint, myfedloan only readjusted my loan amount by about {$4.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, Experian and XXXX  to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. 
Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,

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 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 disputed a few accounts on my credit report for various reasons, I asked XXXX and transunion to do an investigation on these accounts, I waited for them to finish their investigation and they told me that these accounts are accurate. I then asked XXXX  and transunion to provide me with the method of verification, also any documents that they have for each of these accounts. I also asked for the information of each person that they spoke with in regards to these accounts, like their phone numbers, the names of each person and any documents that were given to them.XXXX and transunion decided not to provide me with anything, instead they told me that the accounts are accurate and that they belong to me. Now I am asking for XXXX and transunion to delete each of these account because they did not provide me with the method of verification that I asked for. What these companies are doing with my credit report is illegal because they have not given me anything that proves that what they are saying is true. I dont want to take their word for it, I want proof.

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 2020-02-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On downloading the entire transaction history for my CITIBANK credit card, XXXX, from the CITIBANK website, it was found that I have overpaid by {$3200.00}. 

The account transaction downloaded spreadsheet shows that my total debits were {$61000.00}. 

The account transaction downloaded spreadsheet shows that my total credits were {$64000.00}, equalling an overpayment of {$2600.00} as of XX/XX/20.. 

On XX/XX/20, CITIBANK took another {$590.00} in AutoPay toward the card account from my checking account. 

With the latest AutoPayment, I have overpaid this card account by {$3200.00}. 

I sent a letter and the printout of the downloaded account spreadsheet to CITIBANK Office of the President by Certified Mail and have received the green receipt confirming delivery.

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 2019-02-03
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter XX/XX/XXXX from United Collection Bureau , Inc concerning collection of a XXXX, XXXX XXXX Consumer Account. I responded with a certified letter XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting information : name and address of original creditor, copy of the original signed contract , delegation of authority, and a complete account /statement of payments, interest, fees, etc to support the validity of the debt. To date, I have not receive this information, but I have received many calls from this collection agency at home and at my work. My job does not permit to accept this personal calls and these calls may jeopardize my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: SC
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 did not receive a 1099-C from XXXX XXXX  charge off account. This makes that account inaccurate. Experian has refused to remove this account. Please be advised that this is an official attempt to correct or delete the inaccurate information on my credit report and to remove all fraudulent reporting immediately. This is not a claim of identity theft ; in fact, you are also aware of the violations youve committed by continuing to report this information. 


Ive notified you of inaccurate information on my credit report and yet, youve failed to enter the required notice of dispute pursuant to section 623. You are now in violation of said section by continued reporting and must immediately remove the inaccurate information found on my most recent dispute letter ( see enclosed ). 


FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

I am requiring immediately that you remove said inaccurate information in accordance with FCRA Sec

tion 623 ( a ) ( 3 ). Additionally, I am requiring that you provide me
with proof that an investigation has taken place, including ( but not limited to ) : Documentation that was used to prove accuracy and come to a verified response Documentation proving that an independent investigation took place and that the use of e-Oscar was not your sole method of determination Documentation of who verified this information Copies of applications, contracts, transactions, etc. that verify ownership of said account information All other relevant documentation that supports your claim

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 2020-12-19
Company: Experian Information Solutions Inc.
State: MS
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: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2020-12-21
Company: Commerce Home Mortgage, Inc
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX signed contract to purchase home lending process begins. Most of my paystubs and paperwork were already submitted to lender from previous house that I decided not to close on. Closing date set for XXXX XXXX lender promises to close in 30 days. Paperwork was submitted XXXX XXXX but it takes 3 days to process closing disclosure. Extension submitted. 
The Week of XXXX XXXX ( 2nd close ) Im asked to resubmit my most current paystubs to finalize loan to underwriting to again not have a loan secured as promised. On XX/XX/XXXXXXXX I get a surprise, we need one last thing, Verification of employment- this prolonged my 2nd closing from XXXX XXXX to XXXX. At this point I threatened to leave lender ( commerce ) b/c the seller of house was no longer wanting to work with me to purchase home from time elapsed. Lender begs for another week- no addendums were signed between Me ( buyer ) and seller b/c they are ready to walk and lender is dropping the ball ... No contact no updates until the week of the XXXX when my lender tells me he has submitted my loan to 3 mortgage companies to play hunger games to see who would complete first. 
On XX/XX/XXXX, I left ( problem ) lender Commerce mortgage for XXXX XXXX XXXX to complete my loan. In 8 days I had signed paperwork and guarantee to close on XX/XX/XXXX the only restraint was that Commerce Mortgages needed to transfer lender ID to XXXX XXXX to take over loan submission. 4 days of calling and emails between ( problematic ) lender and supervisor to transfer loan number over. After the chase I received a email that the loan ID was transferred but takes 48/72 hours to complete as my closing date was the next day XXXX XXXX XXXX. 
Last extension to close XXXX XXXX Today is the XXXX and i was just informed the Loan ID was NOT transferred and I was lied to. 
Im heartbroken- this has been a dream I worked toward for 4 years of my life. I broke a lease and Im been living with my parents since XXXX XXXX b/c I was supposed to close on house.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Fairway Independent Mortgage Corporation
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have contacted Fairway Independent on several occasions to dispute this matter. A matter that has been reporting on my credit report since XX/XX/XXXX that I have no relocation of how it even got onto my report in the first place. At Fairway Independent Mortgage I spoke with XXXX XXXX about the issue I stated that I will file a police report on this matter, Ms. XXXX stated that would be good and once I have the police report to email it to her at XXXX. On XX/XX/XXXX I  contacted XXXX Police Department and they stated that because of the address listed on the credit report which is listed as XXXX XXXX XXXX. XXXX, WI XXXX. XXXX PD stated it was out of their jurisdiction that I had to contact XXXX PD. I contacted XXXX PD the officer who took my information sent an officer out to that location and it was determined that this address did not exist under this company name. I sent this information to Ms. XXXX and she put me on the line with Ms. XXXX XXXX who was not able to solve any of my concerns either instead of her solving what concerns I had she kept asking Ms. XXXX if she had any more questions. Now first and foremost it is against FCRA, 604 Permissible purposes of consumer reports { 15 U.S.C. 1681b } for an entity to view a consumer 's credit report without a " permissible purpose. '' Therefore due to the damages that have been done to my report, you are civilly liable to me in the amount of {$1000.00}. Second, because the address do not exist, then it is still considered unlawful to report inaccurate information on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX OPENED XX/XX/XXXX Collection/ChargeOFF ok XX/XX/XXXX Accounts closed by credit grantor XX/XX/XXXX STILL SHOWING BALANCE DUE DISPUTED AT LEAST 4 TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
There is no LAW that states that companies I am doing business with has the right to report any private business I am doing with them. For one it is not FAIR that they are given out info to a company ie : XXXX, XXXX, and XXXX  who are getting paid to access my personal info to advertise products to me. I have the right to privacy. No company that I have applied for for something states that they are going to put an inquiry on my credit report. They are being deceiving by only saying they will access my credit report. Then go an ruin my reputation by telling my business to the public that I am looking to do business with them. These companies are using their power to damage my character with the threat of damaging my reputation by putting these negative marks on my credit report. The issue I also have is that most of these companies were not given permission to access my credit report! 

Capital one is doing the same by entering a late payment on my credit profile which is not fair or equitable to me I was not late. This threat of ruining my reputation and damaging my credit is against FCRA AND FDCPA. 
I am being charged higher interest rates. This is causing stress and breaking up my family because of this.

Company response to consumer: Closed with explanation