BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: Spring Oaks Capital, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me sometimes XXXX  times a day from various numbers. When I call them back a voicemail from another company comes up, such as XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. I owed a small debt to XXXX XXXX XXXX  that closed in XXXX and now that has been removed from the credit bureau but XXXX XXXX  shows up with an opening date of XXXX. I have asked them to stop calling, disputed the dates on my credit report, blocked numerous numbers, but they continue to call me multiple times every day. I've researched them and it seems they are habitual offenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: ASTORIA BANK
State: DC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX - I sold the home and paid off the home mortgage with the proceeds from the sale. Astoria Federal Savings, held the mortgage and reports the mortgage as being in XXXX XXXX " closed and paid '' along with another paragraph which states, " account paid for less than full balance. '' This statement makes the impression that I sold for less than the balance of the mortgage or via a short sale. This is anything but the truth ... I paid them every penny and have the IRS tax records which easily shows the record. The only negative on the credit report was the XXXX 30 day late payment posted to the account in XXXX XXXX. I 've called them, I 've written them, I 've emailed them and I 've even faxed them ... .and not once have they replied. I 've addressed this with the credit agencies, but the dispute process is XXXX in which is all done electronically so no human has actually reviewed the supporting documentation that I 've sent them. I can not be the only person that has had issues with Astoria Federal Savings. It 's an easy mistake to correct but unfortunately they 're not be respectful and have proven XXXX interest in providing any client service.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Stanislaus Credit Control Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit score and noticed it had decreased and there was a report stating i was in collections. I gathered the information and attempted to call them. After calling them 4 times i got a hold of someone who then transferred me to the agent XXXX, she started the call extremely rude asked for my addressed and i let her know i never received a noticed since the address on file was incorrect she said they did not receive a mail back so the address was correct even though i stated the address was incorrect. I asked if there was a way to dispute and she stated i could not dispute the balance. In the beginning of the phone she let me know the balance was for XXXX then later on the phone call told me the balance XXXX since there was interest charge. She did not state her mini Miranda, she did not let me know the call was being recorded and hung up on me and was extremely rude and sarcastic and also lied about the balance on my account. She did not let me know if collection activity would continue. I called again to get the balance resolved and she let me know that i could not dispute and to talk to her manager. After i spoke with her manager she also did not do much. She did not tell me call was being recorded or the mini Miranda, she said she could give me a discount but did not offer to let me dispute the account. After i told her they had the wrong address she did not gather the correct address information and let me know i can dispute and rushed me off the phone without giving me details on how to dispute. I had a XXXX XXXX right after the call because of manipulative and rude behavior. The agent I spoke to was XXXX and her supervisor was XXXX. I do not owe this balance. The services were never provided. They broke FDCPA laws and HIPPA laws. I feel harassed and nothing was ever provided to me regarding the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: GA
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 am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of 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

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 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 am submitting my complaint to inform you that time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$13000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XX/XX/2021 at XXXX XXXX for a deposit of {$6800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: CA
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:
in accordance with the fair credit reporting acct XXXX account # XXXX has violated my right 15 U.S.C 1681 section 602 A. State I have the right to Privacy 15 U.S.C 1681section 604 A. Section 2 : it also state 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 2021-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2019 I sold my business. I had a lot of recurring charges on my credit cards so I tried to contact as many as possible to cancel, but I found out a lot of businesses do not make it easy to cancel. So I had Capital One change my credit card number and I went over all the recurring charges with Capital One and told them I did not want those charges on my account anymore. I thought I was done, but I later found out my credit card number was being given to these merchants even after I requested that my card no longer be charged by these merchants. In my view this is consumer fraud by the credit card companies. Merchants are making it very difficult to cancel and the credit card companies are helping in this scam. Why are the credit card companies giving out my number after they were told by me, not to. If a merchant wants my number they should call me and I could then decide if I want them to have my number or not. They are giving out my number after I told them not to have these merchants charge my card. When I contact Capital One and explain the problem, they have a process that is designed to scam their customers. They sound very concerned, but they are part of the scam and want me to jump through more hoops.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-12
Company: Self Financial Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I sent a letter to Self, Inc, advising them that ( 1 ) there were fraudulent charges on my account, ( 2 ) that those fraudulent charges resulted in derogatory information being reported to the Credit Reporting Agencies ( CRAs ) and that I wanted ( 3 ) reversal of those charges, ( 4 ) notification to the CRAs that all payments towards legitimate charges were up to date AND ( 5 ) that I wanted my account permanently closed to avoid future fraudulent activity. ( See Exhibit A of uploaded letter ). On XX/XX/XXXX, Self , Inc. reversed all of the fraudulent charges, and notified the CRAs my balance was always current. I assumed - reasonably in my humble view - that Self, Inc had also acted to permanently close my account to prevent future ask as I requested in writing. ( See Exhibit A in uploaded letter, p.2 ). I did notice what appeared to be some residual balances on what I figured was the old fraudulent charges being reconciled, so I made payments in an abundance of caution. Then, in early XX/XX/XXXX, I was the victim of an unrelated identity theft and ran my credit report. To my absolute horror, I learned that this case was never closed in XX/XX/XXXX. Instead, a new card was issued and used by presumably the same credit thieves whole stole my identity and prompted to run my identity history back in XXXX. They rang up {$1300.00} and didnt pay it - ruining my credit. ( See Exhibit B of uploaded document ) But the horrifying and grossly unfair result of this identity theft is XXXX purportedly delinquent accounts. ( See Exhibit C of uploaded document ) I made NONE of those charges. Please help me get these fraudulent charges and derogatory items I had nothing to do with off of my report. ( Please see Exhibit D of uploaded document - ID theft Affidavit ). I again wrote them summarizing all of this. They completely ignored me. Never even responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
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: Was not notified of investigation status or results

Complaint:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I have never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: EQUIFAX, 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:
previously disputed account late payments reporting XX/XX/XXXX & XX/XX/XXXX in violation of heros act which states : The COVID-19 pandemic has caused extensive and growing impacts not only on the public health and well-being of millions of Americans, but also significant economic harm as well.

Through no fault of their own, millions of Americans are unable to make payments on credit cards, car loans, or even their mortgage or rent.

Under CARES, consumers have to rely on the willingness of creditors and servicers to agree to forbearance or other payment arrangements in order to be protected by the new law.

The Heroes Act replaces the CARES Act provision with much stronger consumer protections. The Heroes Act ( Section 110401 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days.

Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishers from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic.

Bans COVID-19 medical debt reporting, in particular any debts relating to COVID-19 medical procedures or treatments. Consumers impacted by the staggering costs of medical care should not face diminished credit options due to getting sick in a global pandemic.

XXXX XXXX XXXX The Heroes Act ensures that these innocent consumers are held harmless and do not suffer further damage by having late or missed payments ruin their consumer credit report and reduce their credit score, which in turn limits their ability to get affordable credit or even a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for and was approved for a secured credit card from Discover.  I sent them the money and for a period of time that is excessive, they have yet to release my card so that I can use it. 
While they sent me the card, I can not use it because they now claim that they are doing a " confirmation review ''. This now includes a request for my tax returns and bank statements. I posit this is something that should have been done PRIOR to taking my money which they are holding and most likely earning interest on. 
If they were not going to approve the application or if they were going to do several more layers of review, this should have been done prior to accepting money which is tied up. I can only believe this is an operating policy which profits them at the expense and inconvenience of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to 3 credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 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 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 XXXXXXXX

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 2023-04-20
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX HUNT & HENRIQUES are harassing me & sending unverifiable statements, unsigned applications & other unverifiable paperwork. I recently submitted a complaint against this company for harassment & they continue to harass me. I informed them I was a victim of identity theft & submitted a police report & other verifying proof of the matter. They are infringing on my legal rights under FDCPA laws. I'd like them to cease all communication with & stop harassing me. If they continue to pursue this matter I will be seeking a legal remedy against them & XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got a hard inquiries from Barclays Bank Delware and XXXX XXXX XXXX which I believed I never transacted or consented and dropped my XXXX credit score to 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 2020-08-12
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. US DEPT ED XXXX {$1800.00} DEPTEDNXXXX  XXXX {$2100.00} XXXX XXXX {$1800.00} DEPTEDXXXX   XXXX {$2900.00} DEPTEDXXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: TX
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief