BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
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:
I reviewed my consumer reports and noticed that I have three late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they would be as I was never late. Thanks

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 2023-03-18
Company: FIRST NATIONAL BANK OF OMAHA
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/XXXX, I got a new credit card from First National Bank of Omaha ( FNBO ). They issued me a new credit card with a limit of {$13000.00}. The credit card is a cash back credit card which I use for my daily purchases and pay of in full at the end of every statement period. In other words, my usage is entirely ordinary for the type of product and is the type of usage encouraged by the product. On XX/XX/XXXX, after 8 months of perfect payments to FNBO and all other creditors ( all my payment history is perfect to the beginning of my credit history ), I received a letter from First National Bank of Omaha informing me that they were lowering my credit limit to {$6100.00}. They provided three reasons for lowering my credit limit : Length of time since opening, utilization of existing credit line, and current balance as a % of recent balances. At the time determined my original credit limit, the length of time since opening was known to them since it was a new account. Having a large balance as a % of recent balances is entirely expected and ordinary for a new account, since there was no previous balance to compare against nor is there any data on usage to indicate what peak usage for a customer might look like. Therefore both of these reasons were known and ordinary. What is the purpose of lowering a credit limit due to utilization of an existing credit line, or more importantly, what is the purpose of issuing a credit line that will be withdrawn if it is utilized. At the time FNBO issued my original credit line they knew, or should have known, that under no circumstances of normal usage would they honor that credit line. Therefore the credit limit that was disclosed when the card was opened was false and deceptive in a manner that induced me to use their credit card, whether that was intentional or not. FNBO never intended to extend the credit terms they offered.

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 2023-09-17
Company: Experian Information Solutions 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:
There is a XXXX credit card account on my credit report which is not mine and is showing as late

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 2023-03-18
Company: Experian Information Solutions Inc.
State: NM
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:
Identity theft victim made reports with FTC local PD and shared identity theft reports with three major reporting agencys and have little resolve also submitted countless disputes Transactions history are on report and late payments both are not permitted by FCRA also o have additional rights as stated in FTC for victims of identity theft. Also information has been compromised by multiple corporations. Proper investigation of information accepted by reporting agency as true and factual not conducted as evidenced by deletion of false inaccurate information as a result of disputes. Deletions are admissions and due diligence not carried out and proper investigation of furnished information was and continues to not be executed by any of agencies

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 2023-03-18
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello I opened a bank account and was waiting for my debit card to arrive by a mail from M & T bank but I never received it and there has been 8 unauthorized transactions each for {$1000.00} form XX/XX/23 to XX/XX/23 it says atm withdrawal and i was denied of dispute because they think that I had the debit card in my possession while this transaction were made, I visited a branch to dispute the transactions but was denied, can you please help me resolve this issue thanks. And they are closing my account before solving the issue.

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 2023-03-18
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:
I reviewed my consumer reports and noticed that I have three late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they would be as I was never late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
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: 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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 2023-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
DO NOT CLOSE THIS COMPLAINT OUT WITHOUT READING ITS CONTENTS Capital One Auto Finance had violated me and continues to violate me by 1. furnishing deceptive forms ( ie. a contract that does NOT have my signature on it ), 2. violating an active XXXX and XXXX ( sending threatening letters to my private address dated XX/XX/2023 XXXX, XX/XX/2023, XX/XX/2023 ), 3. NOT furnishing required and requested disclosures ( sending a contract that does not have my signature on it 3 times ), 4. reporting my personal and private information to third parties WITHOUT my consent ( reporting to consumer reporting agencies from XX/XX/2023 to current ) ... .in fact, with my SPECIFIC REQUEST NOT TO DO SO, 5. reporting to third parties erroneous information and intentionally NOT reporting that this account is in dispute, 6. threatening me with legal action ( dated XX/XX/2023, two threatening letters ) that can not be acted upon at this time because Capital One Auto Finance had failed to furnish ANY of the necessary and required documents requested, COAF has violated me in many other ways, however this complaint is NOT the same as any prior complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Cottonwood Financial Ltd.
State: WI
Product: Payday loan
Issue: Can't contact lender

Complaint:
Charged fees I was not aware of Did not credit payments as I paid them. 
Ca n't contact lender closed XXXX in XXXX Wisconsin XXXX The Cash Store. XXXX Cottonwood Financial is charging me over {$2200.00} after I made payment on a loan of {$1500.00} of XXXX payments of over {$300.00}. Now they are garnishing my wages. How do I get this to stop. And protect my credit report history as I 'm saving for a house. 
XXXX XXXX, WI 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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-03-18
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Was unable to make an online payment on my Lane Brant - Comenity card for {$50.00} because their system was down for an upgrade so i made the payment over the phone for {$50.00}. They took out two {$50.00} payments on that day. I still didnt get a statement from the so i called again and they said i had made one {$50.00} payment and the other transaction was a reversal. I provided everything they asked for to dispute it including a written statement, copies of my bank account, transaction numbers, but their responses were vague and stated they didnt receive the payment. I went to my bank in person and met with a bank officer who verified that both transactions were payments to Comenity bank and no payment reverals had ever occurred. I have spent hours on the phone trying to resolve this and have now just paid the balance and closed the card account on the same phonecall. A month later, I received another statement for XXXX and a XXXX late fee. Additionally, the address XXXX street name and town ) on my statements was spelled incorrectly and the customer service agents could barely speak english making it almost impossible to converse. My statements online were changed after i called to complain. I do have the paper statements to prove this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023 I checked my credit and saw a debt collection account that I had no prior knowledge of. I had never done business with this collection company nor a contract and I have never received any notice about any debt owed, which by your standards a debt collection company must do the following prior to reporting a debt to the credit reporting companies : " Speak to me by telephone or in person about the debt or mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally 14 days, in case it is returned as undeliverable ''. Neither of these things happened. 

So, on XX/XX/2023 I emailed the company at XXXX and XXXX to dispute this alleged debt and I also mailed a dispute letter via the USPS on XX/XX/2023, the letter and the email along with a receipt of the USPS transaction will be in attachment. 

Now, as of XX/XX/2023 I have not heard a word from this company about verifying this alleged debt and on XX/XX/2023 the account does not show as being disputed on my credit report nor have I received notice via XXXX as of today that this account is being disputed. This company has ignored my letter and email about this dispute and they also refused to update the status of the account as " being disputed '' this a clear and blatant disregard to my rights and a clear violation. This account needs to be deleted ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Commonwealth Financial Systems, 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: Old information reappears or never goes away

Complaint:
Medical bill in the amount of XXXX was added back onto my credit report on XX/XX/XXXX after being dropped 2 years ago. The original date of the ER bill is from before XXXX, over 7 years. 

Commonwealth Finance contacted me one time on XX/XX/XXXX, XXXX mail correspondence, and wanted me to verify my social security number. I refused, since they wouldn't tell me who the call was from and wasn't comfortable providing my information, then I hung up. The next day, XXXX alerted me to a collection on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for mortgage assistance and was still sending in documents that they needed in XX/XX/2023 and never was told if it was approved. But In XXXX they called and said we were behind 3 months. And they wanted 3 months payments we tried but couldn't do it. And now they said it's in foreclosure. My husband is XXXX yrs old and has been affected by XXXXXXXX It has attacked his immune system. We don't want to lose our home. We have no place to go. And if he goes out and catches a germ it can kill him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-03-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I received a Notice of Servicing Transfer fted XX/XX/2023 from XXXX XXXX XXXX  advising the previous servicers have transferred the mortgage loan to them. I then mailed a cease and desist notice via certified mail with a return receipt. ( Tracking Number- XXXX ) with a confirmation of receipt signature from XXXX XXXX XXXX which confirmed delivery on XX/XX/2023. 
The delivered notice demanded Carrington Mortgage Services to cease all forms of communication through any and all mediums unless it pertains to my disclosed remedy. All remedies were described in the notice. The notice demanded return of the attached form with the required information, assignments, or other transfer agreements, which would establish their right to collect the alleged debt within 30 days of the date of receipt of the notice ( 30 days from XX/XX/2023 ). 
Instead of providing the required information to validate and verify the alleged debt, Carrington Mortgage Services mailed a notice dated XX/XX/2023 of Intent to Foreclosure on my personal property that is used for private familial enjoyment. 

It is clear that Carrington Mortgage Services have violated the following ; 15 USC 1692C.C - Carrington Mortgage Services confirmed receipt of Cease and Desist Notice with a letter dated XX/XX/2023 from the Loan Administration and Support Department and advised that they will respond by XX/XX/2023. However, on XX/XX/2023, Carrington Mortgage Services violated the Cease and Desist Order and sent a Notice of Intent to Foreclose.

15 USC 1692C. ( C ). ( 2 ) Carrington Mortgage Services violated my right to remedy as a consumer, and the original creditor. 
15 USC 1692- Abusive practices by debt collector by invading my right to privacy and continuously sending notice to my private home that is used for personal familial enjoyment. 
18 USC 8- Obligation or other Security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.

15 USC 1666 B ( 1 ) - Declined to provide documentary evidence of alleged indebtedness by sending notices in response to cease and desist and demand for documentation. 
15 USC 1666 B2- Declined to provide written clarification or documentary evidence of the alleged indebtedness.

15 USC 1666 E- Carrington Mortgages Services failed to comply with the requirements of the section described and have efficiently forfeit any right to collect from obligor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Credit Bureau of Jamestown, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX I noticed two collections accounts on my XXXX XXXX that had been placed both for the same date with two different amounts being owed for an XXXX XXXX visit. it shows that I owe a debt of {$180.00} and a debt of {$300.00} both for XX/XX/XXXX to original debtor XXXX XXXX XXXXXXXX XXXX I am a XXXX XXXX XXXXXXXX veteran and that facility is also an in network covered provider of services I never once received a phone call or a bill stating that I had owed any debt at all I only noticed the collection account via my XXXX XXXX app on my phone. This is an illegal attempt to collect a debt that I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: WELLS FARGO & COMPANY
State: GA
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:
ATTACH TO COMPLAINT NUMBER XXXX I am not satisfied and have attached additional documentation against WELLS FARGO CARD SERVICES WELLS FARGO CARD SERVICES continues to damage me and crucify my credit score over a debt I settled by tender of payment back in XXXX. The debt is over XXXX years old, the statue of limitations is 7 years on a debt that has been settled by either discharge or settlement. I sent them a tendered offer in XXXX  and they kept it and never complained when they kept the settlement. I am tendered payment to these liars must I tender of payment again because they continue to act in dishonor and hold my credit report hostage. I have complained to the Consumer Financial Protection Bureau ( CFPB ) in the past numerous times yet you have done nothing to assist me. There is no justice in the United States of America and we the people are screwed from the bureaucracy! I want the CFPB to force Wells Fargo to abide by the Fair Credit Reporting Act as well as Fair Debt Collection Act. You are allowing them to XXXX  me financially after the seven year statute of limitations. WHEN DOES IT STOP! I HAVE SETTLED THIS DEBT AND TENDERED PAYMENT!!!!!!

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have XXXX unauthorized hard inquiries on my TransUnion 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

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