BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: NY
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 submitted disputes to experain to update the balance on my student loans, which are now all XXXX. I also included the proof from the student loan company showing that the balance is XXXX. I also spoke with them verbally and they again confirmed the balance is XXXX and experian should absolutely update this to reflect the correct balance of XXXX. They also said that experian never requested any info for them to confirm or deny so experian never actually did any investigation nor confirmed the balance. They told me to tell experian to " stop being lazy and do their job. '' Upon receiving the final dispute today, XX/XX/23, I called Experian as well ( XXXX in the dispute dept ), who is saying that they are not changing the balance and actually they never look at the proof of documentation that the complaintee ( me ) includes in the online experian dispute because the dispute team doesn't have access to the dispute files!!!! What sense does this make? They told me to just put in a new dispute over the phone, however, this just extends the delay when this should be done the right time, the first time. These lazy delay tactics are breaking FCRA! For reference, the final experian Report Number is XXXX. The dispute number is : XXXX. If you need anything else, please be in touch. I'm happy to provide any further supporting documentation. Thank you kindly!!! : )

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 2023-09-07
Company: Army and Air Force Exchange Service
State: VI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a 100 % XXXX XXXX  XXXX. Upon my return home from XXXX, I started getting XXXX  every day. I was in and out of the XXXX XXXX every day however, my card was being paid. I have been a cardholder of the military star credit card since XXXX. On XX/XX/XXXX, and again on XX/XX/XXXX XXXX category XXXX storms ( XXXX and XXXX ) devasted the XXXX and XXXX XXXX. The town I live in XXXX was devastated. The post office was totally demolished ( these are facts that can be proven. We were without any kind of communication until late XXXX. I made contact with the Military Star card loan department and I was told that my card would be deferred until XX/XX/XXXX. In XX/XX/XXXX, I went online to make a payment and my account was suspended for nonpayment. I made several calls and sent several emails trying to get information as to why I could not access my account. On XX/XX/XXXX, I finally spoke to an agent by the name of XXXX XXXX she was very rude ). All she could tell me was that correspondence was sent to me ( we had no post office until XX/XX/XXXX ). I tried to explain to her that although they sent correspondence there was no way I would have received it because we did not have a post office in my town. Our supplies came through a shipping company and although my post office merged with a post office in another town it was still very chaotic. I started payroll deduction ( I worked for the Federal Government ) and I was receiving numerous calls day and night from a collection agency XXXX XXXX XXXX. The collection agency called me also at my place of work. I reported it to them to no avail. They ignored my emails and were very uncooperative. Fast forward to today, I checked my credit report and it shows my card was paid in full and still showing in collection. 
I am asking you to please help me fix this issue. I am a XXXX XXXX XXXX who is trying to buy a home in Texas because I am planning to move from the XXXX XXXX XXXX. I served this country during peace and wartime and now I am being treated like I am bothering them. Thank you for your help.

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 2019-01-01
Company: Ocwen Financial Corporation
State: PA
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:
I sold my home and the mortgage was with Ocwen Loan Services. The account is listed on my credit report as being late, when the home was sold and Ocwen was paid in full. I tried to work with Ocwen to get the matter resolved but had no luck. Can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: CA
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  Account # XXXXXXXX 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

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 2018-11-05
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX-18 I sent a certified letter ( tracking # XXXX to XXXX XXXX XXXX which was received on XXXX-18 at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Someone by the name of XXXX XXXX from Light Stream Loans promised me a loan, but instead by bank account was closed due to bad checks being deposited into my account. XXXX XXXX was submitting the checks but did not inform me the checks were bad. He instructed me to purchase gift cards after the funds were available. I followed his instructions but did not get the loan as I was promised and my bank account was closed due to the checks coming back bad. This is bad business and it is illegal. I should not be made as the guilty party considering I did not right the checks or deposit the checks. I am the BORROWER in this instance, NOT THE LENDER ( Light Stream Loans ). Can someone at Consumer Financial Protection Bureau please look into this for me and find out what is going on?

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 2021-05-13
Company: Atlantic Recovery Solutions LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, On XX/XX/XXXX, I received 2 phone calls and 2 texts. The 2 texts stated that " documentation has been received including my name and SSN ''. The same day XXXX received a voicemail at XXXX XXXX from a guy by the name of XXXX ( pronounced Read-in ), phone number XXXX, stating that he was an Identity Monitoring Specialist from some so-called " Benefits Service Center '' and he had information that needed verification and to return his call. I did not return this call due to it sounding like a scam. 

On XX/XX/XXXX, XXXX XXXX from " ARS '' at XXXX XXXX called from XXXX. She claims to have my credit report in front of her stating that I owe money to an account already paid. I have looked at my XXXX, XXXX, and XXXX to prove that the account mentioned was not on the reports. When I asked for a letter VIA mail ( rather it be USPS, XXXX, or XXXX ) she responded that letters have been sent and I had 30 days to pay and it would be a waste of time to send a letter. She told me to provide proof that it was paid off. To my understanding, I believed that the debt collector was obligated to provide and/ or have all required information regarding the said account. She failed to respect my request so in return I respectfully told XXXX that I paid the account and I am not paying something twice. Not to mention she was very rude towards the end of the call telling me " is it really that hard to get proof from 13 months ago ''? She told me goodbye and hung the phone up before I could complete my portion of the conversation. 

Another company told me the account was closed back in XXXX meanwhile this company is stating its been closed for 13 months. 

I will not be another victim of a scam and will ignore all other communications with this company. 

The company they state I owe will not allow new lines of credit if one owes a debt. I've made future purchases with this particular company and would only be possible if past debts have been settle/ paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: MI
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:
According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isnt reporting correctly. 

Please delete these fraudulent accounts : XXXX XXXX {$490.00}

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 explanation
Consumer complaint received 2023-02-21
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SUNRISECREDIT is reporting a fraudulent account on my credit report. I didnt open this account nor did I authorize anyone to do so on my behalf. Please note the uploaded FTC report and my driver license and remove this accocnt from my credit.

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 2019-09-27
Company: National Enterprise Systems, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Called looking for me. I said it wasn't me and she huffed and told me to " cut the XXXX know it's you ''. She didn't identify herself and when I asked who was calling she said " I've told you one XXXX time I can't give that information. '' She also called my dad and yelled at him looking for me. 
When I call the number back it answers as National Enterprise Systems but I don't know who that is or what they want.

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 2020-09-03
Company: Collections Acquisition Company, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Alleged debt paid to XXXX XXXX XXXX with postal money order and mailed by XXXX with proof of payment and mailing on XX/XX/XXXX. This debt is reported by CYBRCOLLECT # XXXX ( XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX OHIO XXXX AS OWING SINCE XX/XX/XXXX. The claim for returned check is false since there was no returned check and XXXX XXXX XXXX attempted to withdraw funds from my checking account when I had cancelled my membership with them within 3 days of joining the club. 
I have tried numerous times to call CYBRCOLLECT using the number that XXXX XXXX XXXX provided with no success. I called and complained to XXXX with no success. I finally wrote to CYBRCOLLECT on XX/XX/XXXX with proof of payment since XXXX and they have not responded to me by phone or by mail. XXXX continues to report this false information as ADVERSE ACCOUNTS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My XXXX XXXX XXXX was charged for about $ XXXX some transactions I didnt made or authorize. I filed a claim and it was denied with no reason. I told the bank of america i was on XXXX XXXX at the tine those transactions where made but that wasnt enough to prove it wasn't me who did the transactions.

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 2023-01-17
Company: EQUIFAX, 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:
To all XXXX XXXX publishers and providers of FRAUDULENT INFORMATION. EQUIFAX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX THE CONSUMER IS AWARE OF YOU DEPRIVATION, CONSPIRACY as well as your FRAUDULENT ACCUSATIONS and IDENTITY THEFT COMMITTED BY YOUR LYING XXXX COMPANIES. I HAVE MADE NO INQUIRIES, REQUEST OTJER THAN REMOVAL OF ANY FALSE DEBT, ACCUSATIONS FROM MY NAME AND MY CREDIT REPORTS, YET FOUND INQUIRIES AND IDENTY THEFT COMMITTED BY YOUR COMPANIES AS WELL AS THE INTENTFUL COVERUP OF MY IDENTITY. BEING STOLEN BY THIEVES IF WHOM WERE SUCCESSFUL IN STEALING MY INFORMATION, GAINED ACCESS THROUGH YOUR XOMPANIES AND USED MY INFORMATIIN TO GAIN PROPERTY USING MY NAME. YOU HID MY PATICIPATION BY APPLYING TAXTICES THAT WERE UNLAWFUL IN EVERY ASPECT TO HIDE THAT FACT THEN LIED BY OBSTRUCTION TO KEEP THE FACTS HIDDEN FROM THE WORLD COURT, AS WELL AS THE FCRA AND THE FEDERAL TRADE COMMISSION! YET I HAVE EVIDENCE AND SOLID PROOF TO SHOW THAT ALL OFF YOU ARE ACCOUNTABLE FOR HARM CAUSED BY YOUR DECWIPT TO DEFRAUD THE POULATION OF EBER RECEIVIMG PROPER REMEDY! BECAUSE OF THAT PROOF, ALL OF YOU WILL BE FOUND GUILTY OF SEDICIOUS FRAUD, TAMPERING WITH EVIDENCE, AND CONSPIRACY TO DEFRAUD THE PUBLIC TRUST THROUGH IDENTITY THEFT! I HAVE THE PROOF AND THE CASE FILES TO PROVE IT! SO XXXX ALL OF YOU! YOU WILL DELETE ALL INQUIRIES, ALL FALSITY OF ACCUSATIONS FROM MY CREDIT REPORTS AND RENDER TO THE CONSUMER ALL REMEDY AND STATUTORY DAMAGES OWED FOR HIDING ALL PROOF OF SUCH EVENTS AND DISTRACTION BY ALLEGATIONS OF THE CONSUMER 'S CHARACTER AND CREDIT STATUS THROUGH MONETARY DAMAGES THE CONSUMER RIGHTFULLY DESERVES! YOU HAVE ALL BEEN WARNED!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: TX
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:
Please delete these fraudulent accounts from my credit report as they do not belong to me and I have no knowledge of them. As per the provisions of USC 1681g, I request that you remove them from my report within 15 days. I have attached the necessary documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: DISCOVER BANK
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I can provide proof that Discover financial group intentionally canceled my discover card when I backed out of refinancing my house. If you follow XXXXhe trail of dates they inquired on my credit and the date they canceled my almost paid off discover card, it proves I was targeted by discover because I choose not to refinance my house. A financial institution should not hold items over your head to refinance or lose your credit card. I will attempt to upload all Discovers soft inquiries and hard inquiries to prove at the time I decided not to proceed with the home equity loan the lashes out at me by revolving my discover card without even a word or a letter. I will provide all the soft and hard inquiries from discover through XXXX XXXX and XXXX if need be to prove what DISCOVER DID BECAUSE I CHANGED MY MIND ON A HOME EQUITY LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-05-02
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: Account status incorrect

Complaint:
This debt was removed by XXXX and XXXX, but Transunion hasn't removed the debt. This car was in a flood and it was totaled by my car insurance XXXX for over XXXX. This loan was taken out with XXXX XXXX XXXX at their dealership for a cracked windshield they refused to pay for with a brand new car taken out at their dealership. They were paid off for this car. I was only responsible for XXXX of this lease they were paid for the whole car now XXXX is reporting this on my credit as a Charge off and this was already filed as a loss with the IRS so why is XXXX and Transunion refusing to remove this from m credit report. Please help get this removed. They never sent me a XXXX either for my to claim this on my taxes.

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 2023-03-15
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On or about XX/XX/XXXX, I was approved for a personal loan with Upstart Financial in the amount of {$7700.00}. The repayment term was 60 months, interest rate of 25 %, a loan processing fee of 10 %, and a monthly payment of {$220.00}. To date, I have paid approximately {$2100.00} towards my personal loan. However, I was checking my balance online and my account states I owe {$7800.00}, more than my original loan amount of {$7700.00}. 

After reviewing all of my payments made over the past 14 months, Upstart Financial has not applied any of the payments towards my principal. I contacted Upstart and talked to a manager to find out what's going on with my account since none of the {$2100.00} in payments were applied towards any part of my principal balance and now I actually owe more than my original loan amount. 

The manager advised me that their company charges the financial charge each day at the rate of 25 %. I was never informed by Upstart that the finance charge was going to be assessed each day on my balance. This type of lending is criminal and predatory. California and Federal law prohibit daily and compound interest by any lender. 
Charging my account daily interest ( without my knowledge ) is in direct violation of the Consumer Protection Laws and TILA. In XXXX, Governor XXXX passed a law placing a cap on interest rates, excessive fees, and requiring interest calculations to only be calculated as simple interest annually. 

Lenders are prohibited from charging any interest during a deferment and during any grace period. Upstart has charged my account significant and unwarranted interest and fees during these periods on my account. For the record, my payment due date is the XXXX of the month. For example, my XXXX payment was due on XX/XX/XXXX, and I have a 15 day grace period. The payment was made on XX/XX/XXXX and the entire payment was paid towards interest. I have contacted your company several times to change my due date to the XXXX of the month. I work for the State of California and only get paid once a month on the XXXX. Your company clearly stated in writing that I can utilize the 15 day grace period and there would not be any type of penalty. However, this was a lie and every payment made after XX/XX/XXXX, has only been applied towards interest. This is prohibited under the laws and need to be corrected immediately. 

Payments are required to be posted the date received and the lender is forbidden from charging and additional fees or interest, after the date payment is received. I had two prior loans with Upstart that I paid off. The payoff cashier 's checks were sent to the over night address and Upstart held onto the payments for over 2 weeks, while charging daily interest on my account.

Company response to consumer: Closed with explanation