BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: MO
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 writing to dispute the accuracy of certain items on my credit report from your bureau. After reviewing my credit report, I have identified several inaccuracies related to late open accounts, a charge-off, and a late closed account. I respectfully request that you investigate these discrepancies and make the necessary corrections to my credit report. I believe these inaccuracies are negatively affecting my credit score and financial well-being. Therefore, I kindly request that you investigate these accounts and make the necessary corrections to reflect accurate information.I understand that you have a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that the information on my credit report is accurate and up-to-date. I request that you promptly investigate these disputed items and, if found to be inaccurate, correct or remove them from my credit report. Enclosed, please find copies of supporting documents, such as my Driver 's License and Proof of my Address attached on my letter. Please inform me in writing of the results of your investigation once it is completed. I also request that you provide me with a free copy of my updated credit report once the corrections or a removal have been made. Here are the following accounts that needs to be corrected or removed. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX Balance : {$810.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX : {$11000.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX XXXX : {$0.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 my Sister XXXX XXXX sent me some money totalling about {$13000.00} from her XXXX with refrence number of XXXX I got to my bank and the money was not reflecting and my bank said they wants to close my account Please help me tell my Bank of America to tell me where the moneh is Because I am confused and lost

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 2023-06-20
Company: EQUIFAX, INC.
State: TN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX  XXXX Balance : {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Cabela 's credit card from Capital One.

I pay all my bills on the first of the month.

In XX/XX/XXXX I paid on the principle on the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was charged {$27.00} late fee.

I was told that my payment on the XX/XX/XXXX was credited to XX/XX/XXXX.

How can I pay the XX/XX/XXXX payment in XX/XX/XXXX?

If you pay in the month your payment is due it should be credited to that month.

.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 took a look at my credit report and noticed several hard inquiries that I did not authorize. I filed a report. Please see attached. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Dear CFPB, I am writing with regards to a " Late fee '' of {$6.00} that I am being charged for the repayment of a Student Loan during XXXX 

This is in regards to a University Loan provided by the XXXX XXXX XXXX XXXX during my XXXX studies. 

I was enrolled as a XXXX XXXX student at the XXXX XXXX XXXX XXXX XXXX XXXX through XX/XX/XXXX. In XX/XX/XXXX, President Trump issued an administrative forbearance on all student loans that has been in effect until XX/XX/XXXX. 

Heartland ECSI, my student loan provider, has billed me for a {$6.00} late fee re-payment on this loan. When I spoke to them on the phone on XXXX XXXX XXXX they indicated that I was supposed to have made a payment in XX/XX/XXXX, and that I am now considered past-due. Of note, the billing history shows that a {$90.00} payment was requested in XXXX XXXX XXXX XXXX, during the pandemic ; but that {$0.00} payments are requested thereafter. 

Could you please work with the loan provider to address : 1 ) the late-fee ; 2 ) the status as past-due? I am not sure of what implications 'past due ' may have had on my credit score, credit history. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
American Express continues to deny me access to capital when I apply for lending products. I have been a customer since XXXX with no missed payments or accounts going to collection. The message I receive when I apply for new lines of credit or credit line increases states : I am past due with another creditor as reported by the XXXX credit bureau. This information is false I have submitted appeals to American Express with updated and accurate credit reports from XXXX that reflect my accurate credit profile. 

This practice has taken place since XX/XX/XXXX, when my existing accounts are being impacted, having my credit limits lowered. I have spoken to American Express 's Responsible Lending Department ( RLA ), Credit Department, Open Accounts Department, Customer Service, and Underwriting Department. All departments have failed to resolve the ongoing issue and just pass me along to the next representative, having me on the phone for 1-2 hours each time with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX Address ID # XXXX from my credit report but transunion is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence

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 2023-01-01
Company: T.S. Holdings
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2022 IQ Data International Inc. contacted me regarding an account. 

XX/XX/2022 IQ Data Internationals sent a letter trying to collect on the debt. 

XX/XX/2022 I sent a letter via return receipt for validation of the debt requesting to stop collecting on the debt until debt is validated. 

XXXX XXXX IQ Data International Inc. reported to credit monitoring services increasing amount, which resulted in points decreased, without debt being validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Atlanticus Services Corporation
State: NY
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:
after being informed XXXX/FORTIVA XXXX is furnishing a tradeline on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. XXXX/FORTIVA XXXX has knowingly furnished false credit information to the credit reporting agencies as a means of coercing payment on this extension of credit by the use of unlawful extortionate means, which is not lawfully my account. I have reason to believe XXXX/FORTIVA XXXX had prior knowledge that punishing a consumer for the nonrepayment of an extension of credit by engaging in extortionate means is a violation of the False Claims Act and XXXX XXXX and Corrupt Organizations ( XXXX ) XXXX. The furnishing of this false tradeline violates the FCRA. Any account resulting from aggravated identity theft it to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. If has been more than 3 months and the information is still on my credit file. In fact after notifying XXXXFORTIVA XXXX they notated my account as " Transferred to another lender Purchased by another lender '' so instead of complying with the law they have chosen to sell the fraudulent debt to a debt collection agency to cause more harm to my financial reputation. Their blatant repudiation and noncompliance with the law is disgraceful and is a blatant example of a pattern of racketeering activity in attempts to fund their corrupt organization. XXXXFORTIVA XXXX is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. As your enterprise should know that punishing a consumer for the nonpayment of an fraudulent extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of the consumer with other financial institutions constitutes aggravated identity theft 18 USC 1028a and violation of the XXXX act 18 USC 894.

I am demanding XXXXFORTIVA XXXX to provide me with the consumer credit contract bearing my signature, and their errors and omissions insurance information. XXXX/FORTIVA XXXX is also to provide documentary evidence such as the books of account or any evidence as described under 15 USC 44 that this is in fact a legitimate debt owed to them by me XXXX XXXX. A statement does not prove anything. If your enterprise sends me a statement, I will take that as your complete disregard for the law and financial reputation and move to file suit for the intentional infliction of emotional distress I receive on behalf of these extortionate tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$400.00} XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: In progress
Consumer complaint received 2023-05-09
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Team, I am writing to appeal the suspension of my newly created PayPal account. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated and that you provide me with an explanation for the suspension. I have not had the opportunity to conduct any transactions or use any of the features of your service, so I am unsure of the reason for the suspension. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. My working E-mail is XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Used XXXX to pay {$150.00} to a car transport company on XXXX. The company took my money, and never started the job. I have provided proof that I didn't receive these services as well as my XXXX  complaint to the bank twice and it has been denied. The transport company has blocked me from requesting my money back, and they will not respond to my calls or text. I have been with this bank for ten years and now I am out of {$150.00} they just keep saying that I shouldn't have used XXXX, which this is a real company and this is how they requested me to pay them. XXXX or not this is still fraud. They scammed me out of my money, blocked me, and never completed any services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
i have tried reaching XXXX XXXX Equifax to alert them that i have not made any of these accounts they ignore my request and they are putting me in a bad position due to having a XXXX im trying to get a new loan on my house and get it equipped for my condition. I went to apply for a loan and they are reporting false inquiries and accounts that are not mines This is costing me time and stress because they are failing to remove the things that aren't mines. I only have a house loan i didn't open or apply for anything on my credit report. I requested that a freeze be put on my credit report and i get a phone call when applying for lines of credit. I These 3 companies have used a automated service and ignore my request. im going to forward this to the white house if this matter is not took care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
We had medical bills that we were paying slowly. The debt collection agency started to call my place of work. XXXX would threaten me and be extremely aggressive. She called me 5 to 10 times at work even after I repeatedly asked her not to call me there. She called me more at work than she did on my personal line. When she talked to my husband she was kind and understanding but when she talked to me she was rude, aggressive and continued to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
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 XXXX  Account Number # XXXX XXXX  XXXX and Account number # XXXX XXXX XXXX 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 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 2023-05-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect Personal information on my credit report

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Loan Type : LINE OF CREDIT Balance : {$0.00}, XXXX XXXX Loan Type : Charge Account Balance : {$0.00}, XXXX XXXX XXXXXXXX Loan Type : CHARGE ACCOUNT Balance : {$0.00}

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 2021-09-03
Company: OneMain Finance Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Hi there. I would like to issue a complaint against OneMain Financial. I have been a customer with OneMain for 2 years and have always remained in good standing. I was unemployed for a short time, and contacted OneMain to inform them of my employment status and that I would be late on 2-3 payments as I had to wait for my assistance, but they would in turn receive their payments. Since, I have received 5-10 calls a day harassing me about when I can make payment. As someone who is literally having to claw their way out of debts related to the pandemic, this is quite disturbing. I have had to block multiple numbers that are attempts by OneMain to collect my debt when I am just late on my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My house flooded on XXXX/XXXX/2016. I sent the advance check from my flood insurance company to Ocwen Loan Servicing along with a letter showing it was only and advance and not the complete claim. I have sent their required documentation several times and over 6 weeks later I still have not recieved any money to start the repairs to my house. I have had to use my own money to pay for gutting and drying so that futher damage would not occur.

Company response to consumer: Closed with explanation