BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
17 years ago I initiated a conventional mortgage with Libor interest rate. The Collector PHH Mortgage Services XXXX XXXX XXXX XXXX, Pa. XXXX XXXX Phone XXXX XXXX XXXX. Date of loan origination was XX/XX/2008 and the initial payment was XXXX. Now my payment is based on 8.2 % when the Libor is 5.44 %. My contention is that I have paid my loan for the 17 years without a late payment and they using the american rate of interest instead of the Libor. I am requesting they return my loan to the Libor rate instead of SOFR rate and refunding the resulting overcharges for the entire time of the increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
SUGGESTION OF AUTOMATIC STAY By virtue of a Petition for Relief filed in the U.S. District Court for the XXXX XXXX of Florida, the commencement or continuation of Judicial proceedings against me has been automatically stayed.

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 2018-03-20
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Netspend card send one prepaid card {$1000.00} active but dont have money, n now have inters

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 2019-10-31
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:
I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit 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 2023-06-20
Company: MoneyLion Inc.
State: FL
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:
This company has used and shared my private information with other companies which caused more than one inquiry on my credit report this company is in complete violation of the fair credit report and act they did not receive consent written consent from me to obtain my credit report or to share my personal information with other companies I clearly requested my credit report and seen that this company was on there as an inquiry I reached out to the company to see if they can remove and delete the items that they placed on my credit report unlawfully the company has not responded in no way while disputing with another company that was an inquiry on my credit file this company has admitted that the same company shared my information with them and that is how they in turn put it in XXXX on my account both of these companies had no permissible purpos.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Bread Financial Holdings, Inc.
State: IL
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:
On XX/XX/XXXX, I received a letter from a credit card company for a card I never applied for from Comenity Bank. I called the number listed on the letter to tell the company I hadnt applied for the card. The number was XXXX. I verified some information on the phone. The woman on the phone said I was a victim of identify theft and said they would report the incident to the credit bureau. I am now unsure if the letter was legitimate or if was to get my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-25
Company: Experian Information Solutions Inc.
State: AZ
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I'm receiving emails through my work email stating that I have been approved for a Capital One credit card in the name of XXXX XXXX My name is XXXX XXXX and I am the XXXX. XXXX at XXXX XXXX XXXX XXXX XXXX I do not know how this person got my email address or anything but I do not want it effecting my personal credit because this is a fraudulent attempt on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the fair credit reporting act 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 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 reason ALSO, In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the highest balance is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I just looked at my credit reports and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. I will be in the process of applying for new loan transaction and the error will cause problems with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current & only address shown should be : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX My Valid Associated Names are as follow : XXXX XXXX XXXX XXXX XXXX My current & only phone number shown should be : XXXX My current & only EMPLOYER shown should be : 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 non-monetary relief
Consumer complaint received 2023-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer report furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the fair credit reporting act 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 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 reason ALSO, In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the highest balance is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Mercedes Benz Financial Services
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have requested clear title following the pay off of my vehicle 4 times from Mercedes Financial and 3 times told it was on the way. The 4th time the customer service rep indicated he was sending me a link to a letter that indicates the vehicle is paid off and the link was no good. I can not do this with this company. I have further not received indication that my vehicle is being reported as paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: World Acceptance Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
THE COMPANY HAD TOLD ME SEVERAL MONTHS AGO THEY WOULD TURN ME OVER TO GARNISHMENT BECAUSE OF DELINQUENT IN MY PAYMENTS. THIS WAS BECAUSE OF SHORT TIME AND SICKNESS OF MYSELF AND A FAMILY MEMBER. I WAS ASKED TO BRING IN XXXX DOLLARS THAT DAY OR BE GARNISHED. I TOLD THEM I DIDNT HAVE IT BUT WOULD GET PAID THE FOLLOWING FRIDAY, NOT ACCEPTABLE SO I HUNG UP. THE NEXT FRIDAY THEY CALL FOR A PAYMENT AS IF NOTHING HAD HAPPEN SO I PAID AND PAID AND PAID THE AMOUNT WAS XXXX XXXX.WHEN I QUESTION THEM ABOUT MY BILL SHOULD BE PAID OUT THEN THEY TELL ME ABOUT THE LATE CHARGES, SO I STARTED PAYING {$100.00} EVERY TWO WEEKS, ON THE PAYMENT THAT I QUESTIONED I PAID XXXX AND THOUGHT THAT WAS IT, THEY INFORMED ME I STILL OWED OVER 200 DOLLARS MORE. I STOP PAYMENTS AND TOLD THEM WHEN THEY COULD PROVE I OWED THAT MUCH WE COULD TALK. NOW THEY ARE CALLING MY CHILDREN MY FRIENDS AND BLOWING UP MY PHONE AT WORK THIS HAS TO STOP OI I WILL SEEK FURTHER ASST. THE COMPANY IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX  XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX account number XXXX All have 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX at XXXX I called XXXX bank in regards to me being unable to login into the XXXX bank website to view my account. I was then transferred to the customer service line when I was asked for my debit pin number and I did not know what it was. So I called a second time to XXXX bank to reset my pin. I was then transferred to reset my PIN which I was then made a ware there was a hold on my account at XXXX. I was told I could not be told why there was a hold on my account and I was then transferred to be given an explanation on why there was a hold on my account. At XXXX I spoke with a women who told my account was on hold because I paid money to my XXXX  credit card and that it set off fraud flags so my account was to be closed and that was the final decision. When I asked why I was told by the women that it was a trend in fraud therefore my account was close. I later found out from talking to her that my account was being closed because I paid multiple of my credit cards therefore my account was to be closed. Then the conversation ended. Then at around XXXX I called XXXX bank again and spoke with XXXX, where I was given the same explain that my account was being closed because I paid my credit cards and that was a trend for other people of fraud therefore my account was to be closed final decision. Then I ask XXXX if I could present evidence that my credit cards are real and not fraudulent. I was then informed that would not be an option because the final decision has been. To summarize I was denied the opportunity to prove my innocence, and I was still not given an answer to my faults but was only told that other people like me my assumption I was biased based on my age, gender, and race would pay there credit cards and commit fraud. Therefore because I am a XXXX XXXX XXXX I must be commiting fraud and was denied the oppurunity to prove my innocence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # 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 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. 
ALSO, Please remove unauthorized fraudulent inquiries on my report Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized fraudulent items must be removed from my credit report. 1. [ XXXX  XXXX ] Inquiry date : XX/XX/XXXX XXXX. [ XXXX  XXXX ] Inquiry date : XX/XX/XXXX XXXX. [ XXXX XXXX  ] Inquiry date : XX/XX/XXXX XXXX. [ XXXX ] Inquiry date : XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions 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:
In accordance with the fair credit Reporting Act XXXX XXXX XXXXXXXX Account number XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Since XX/XX/2023 Bank of America has been charging me monthly maintenance fee of {$5.00} for not maintaining a minimum balance on the account. This cause my account to go in the negative. Once I was able to bring my account above the minimum required amount they continued to charge me an additional monthly maintenance fee. 

I reached out to Bank of America and they were only able to provide me with a month of credit for the fees.

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 monetary relief
Consumer complaint received 2022-06-01
Company: Continental Finance Company, LLC
State: AL
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:
There have been several unknown credit inquiries on my XXXX Report that started XX/XX/XXXX up until most recent XX/XX/XXXX. Below are the list of companies, dates of inquiry and the outcome deemed by the companies. 

XXXX XXXX, XXXX- Continental Finance - A letter was sent to me by mail stating, a XXXX XXXX application opened by unknown person and outcome from company was that the account opened from an unknown source was fraudulent. A fraud investigation was initiated, but there have been no updates of the outcome. 

XXXX XXXX, XXXX XXXX XXXX XXXX- A letter was sent to me by mail stating, a fraudulent application was submitted using your name. I called the company to confirm that the application was not open by me. The credit bureau agencies were notified by XXXX and they requested that the inquiry be removed from my credit report. 

XX/XX/XXXX- XXXX XXXX XXXX  XXXX XXXX A letter was sent to me by mail, stating that an application was opened and was unapproved due to elements associated with fraud. 

XXXX  XXXX XXXX XXXX received on XX/XX/XXXX stating to please call them right away because they detected suspicious activity on your credit card and the account has been suspended. I have never applied for a credit card with XXXX  XXXX XXXX. I contacted the company and they gave additional information on how to report fraud alerts to the credit bureaus and the Federal Trade Commission.

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