BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
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 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 XXXX : 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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 XXXX : 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 2023-07-21
Company: OneMain Finance Corporation
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am 14 years XXXX XXXX and currently a XXXX. This company is refusing to honor my Ohio SCRA rights. The purposefully put in Tennessee as the state for the SCRA request to sneakingly deny me. Then they took one foot note and used that to completely deny my benefit of lowering my interest rate. Ohio is a key provisional state that extends the law to any liabilities and obligations received after serving and up to 180 days of separating from the military. The following request was sent to the company : I am requesting Ohio SCRA benefits to be applied to my loan account. The first time I requested Ohio SCRA benefits I was told I was denied and that my home state on my request was Tennessee when my written requested specifically requested Ohio. My XXXX was also sent to show that I am a resident of Ohio. My second request was denied because of the representative stating that she further reviewed the law and the footnote stating that : Ohio Law Note. The term obligation is defined as, any retail installment sales contract, other contract for the purchase of goods or services, or bond, bill, note, or other instrument of writing for the payment of money arising out of a contract or other transaction for the purchase of goods or services. Ohio Rev. Code Ann. 1343.031 ( A ) ( 2 ) ( West 2004 ). 
But that does not matter because the federal law was addressing OBLIGATIONS and LIABILITIES. The unsecured loan I have with One Main is considered a liability. A liability is money you owe to another person or institution. 
7.1.1. Covered Debt Obligations The 6 % interest cap applies to all obligations and liabilities incurred by a servicemember, individually, jointly with a spouse,166 or in the name of a closely held business entity.167 In addition, courts have held that the cap applies to XXXX  XXXX repayment plans168 and foreign judgments.169 In contrast, some state courts held that the interest protections do not cover debts incurred by servicemembers during or after active duty ends.170 Moreover, debts incurred solely by a servicemembers spouse are not eligible for the 6 % interest cap under the SCRA, but may be under the Ohio Revised Code.171 If my request is denied again I would appreciate a denial letter specifically stating why I dont qualify for Ohio SCRA benefits. Thank you hope to hear from you soon! 

Any help on getting this matter resolved would be greatly appreciated this is the only financial institution that refuses to honor my Ohio SCRA benefits. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: CA
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:
has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXXXXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) Balance : {$310.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$540.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: AMERICAN EXPRESS COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For a couple of years now I have been trying to resolve a missing payment for a balance reduction from my XXXX card to my Amex card. The Amex card is now closed however I have obtained a copy of the cancelled check and dispute letter from XXXX. I also recently re submitted a complaint directly through Amex without any result. 

Because my credit card is now paid off and closed I can not access the old credit card number it was under. 

I believe the initial issue may have been that I mis typed the credit card number for my account. My own account number was never credited even though amex cleared the funds. 

When I contact amex they say they have no record of my payment of {$3000.00} even though I have a cancelled check indicating otherwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have already filed a complaint with CFPB and have not received any results regarding experian. There is an account on my report that experian refuses to delete although the company is in violation of the FCRA. Experian is the only agency that continues to report this bogus debt while XXXX and XXXX deleted it from my profile. The complaint is against experian but the creditor is XXXX XXXX XXXX  XXXX. The amount of the debt they are attempting to collect is {$9200.00}. This debt is wrong and It is affecting my buying power for a new home. Experian will not allow me to dispute the debt again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: BARCLAYS BANK DELAWARE
State: NC
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:
See attached FTC Report, notary and dispute letters

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 2020-10-05
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THE XXXX XXXX XXXX {$420.00} has been disputed by me for years and I was I told 3 months ago that it was sold to NATIONAL CREDIT ADJUSTERS which flagged my account as Collections on XX/XX/2020. 

I never received a statements and when Ive called to find out the information on the account, the name that they have listed isnt mine nor is my social accurate. Ive called the card company and was told it was charged off 2 years ago, and now I get an alert today saying now, the account is in collection. Ive disputed this amount and account with XXXX, XXXX, and XXXX, and they referred me over to FTC. I have worked hard in building my credit and this inaccuracies has brought my score down drastically. The account is on my report twice. One as a charge off and now as in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Kingston Data & Credit International Inc.
State: SD
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 following Accounts have violated my rights. # XXXX Kingston data and credit international Inc. 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 : States a consumer reporting agency can not furnish an account without my written instructions.

I Noticed that my credit score has been dropping a few points the past months but didn't think much of it.. then i noticed a huge drop recently and investigated and noticed that this Kingston data has been reporting late payments.. i have never done any business dealings with this company nor the anytime fitness that they are associated with ... nor have i given them permission to my credit information. this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: FIRST PORTFOLIO SERVICING INC
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/23 was 2 hours late chargedXXXX late fee by Revvi I called to get the late fee took off said no ask speak to supervisor said no too

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
I thought I had purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX, MD. which Ally Financial chose to finance to me, XXXX XXXX XXXX. I never made a payment on this vehicle because it was financed at 11.1 % interest rate. Then I discovered the vehicle 's lien and MVA Tags were never transferred into my name along with an expired registration. I contacted Ally Financial on XX/XX/XXXX @ XXXX, on XX/XX/XXXX @ XXXX, on XX/XX/XXXX @ XXXX asking to speak to a manager about this vehicle not being in my name and even the MVA said they considered the vehicle & tags stolen and on top of it the temporary registration had expired on XX/XX/XXXX. I had filed a complaint against the above named dealer with the MVA here in Maryland. My MVA Investigator is XXXX XXXX who can not share his findings with the dealership with me-only the MVA. Last Thursday @ approximately XXXX XXXX  a man was on my property with a flashlight my wife thought he was a thief trying to steal the XXXX. When our XXXX light came on -he took off and jumped into a pick-up parked next door. The tow truck owner came by about XXXXXXXX XXXX and this was his statement to me : You better keep your XXXX parked behind the XXXX or I'll pull it out of you driveway. I explained to him the vehicle was on private property and the car dealership had pushed the title through the MVA 114 days after the XX/XX/XXXX date which put the XXXX in my name and he would be stealing the vehicle. On Saturday around I ran an errand @ XXXXXXXX XXXX and this tow truck driver hired by Ally Financial pulled the vehicle out of my driveway with the emergency brake on and has destroyed my asphalt driveway and concrete entrance to it. I want Ally Financial to reimburse for the XXXX Vehicle for {$63000.00} and the full cost to have my entire driveway replaced [ no patch job will fix it ] and the tow truck company and accomplices be held legally for coming onto private property and stealing the vehicle and destroying my entire driveway. I e-mailed Ally Financial on Saturday about this entire situation and like all the other times I've contacted them-NO RESPONSE!! I now need the CFPB to get involved.

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 2023-10-06
Company: EQUIFAX, INC.
State: NV
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:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$7300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$3900.00} XXXX XXXX Balance : {$1700.00} XXXX  XXXX XXXX Balance : {$7300.00} XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Atlanticus Services Corporation
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:
I am writing to report a violation of U.S. Code 6802 involving account number XXXX, under the label XXXXFORTIVA XXXX. This account, originating on XX/XX/2021, is associated with the address XXXX XXXX XXXX, XXXX, GA XXXX. 

Despite mailing a certified notice requesting my Disclosure in accordance with 15 USC 6802 ( b ), I have not received the mandated disclosures as per federal law. The law explicitly mandates that financial institutions must provide consumers with three disclosures before disclosing any non-public personal information. This is to allow consumers the opportunity to opt out of such disclosures. 

XXXX has knowingly and fraudulently withheld critical information, manipulating the situation to their benefit. This has led to unlawful reporting of my non-public personal information to non-affiliated third-party entities, against my will and rights. This situation has caused inequity for me, my family, and my household. 

I hereby invoke my specified remedy as permitted by law, which was denied by XXXX 's withholding of disclosures, pursuant to 15 USC 6802 ( b ).

Immediate action is requested to address this violation and ensure resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a customer of Barclays XXXX rewards ( account ending in XXXX ) since XX/XX/XXXX. 

My account was randomly closed, & without explanation when calling to report my card lost on XX/XX/XXXX. I was not aware that it was closed. 

The CSR advised that the card was closed by a back office representative earlier in the day, approximately around XXXX. I was in shock. 

This acccount was closed one day after a payment, and 3 days before a new statement was to generate. 

This type of behavior by a credits issuer is damaging as it could trigger knee jerk reactions by my other card issuers, some which span more than a decade ( ie - XXXX, XXXX, XXXX XXXX, & multiple store branded card issuers as well ). 

I contacted Barclays and have yet to receive a response, this knee jerk type of activity is very damaging to a credit report, specifically the Debt to Income Ratio & AAOA ( Average Age of Accounts ). My revolving balances are steadily decreasing across the board and it shows as my FICO XXXX has steadily increased over the last 4 months ( XXXX to XXXX to XXXX to XXXX - my score was XXXX when originally approved for the card ). 

This random activity without explanation damages this.

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 2023-10-26
Company: MOHELA
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:
The Privacy Act of 1974 ( 5 U.S.C. 552a ) outlines the requirement to provide notice to individuals in cases where personal information is being collected. In my case, the authority for collecting my information is 451 et seq. of the Higher Education Act ( HEA ) of 1965, as amended ( 20 U.S.C. 1087a et seq. ), and the authorities for collecting and using my Social Security Number ( SSN ) are 428B ( f ) and 484 ( a ) ( 4 ) of the HEA ( 20 U.S.C. 1078-2 ( f ) and 1091 ( a ) ( 4 ) ), as well as 31 U.S.C. 7701 ( b ). I understand that participating in the William D. Ford Federal Direct Loan ( Direct Loan ) Program and providing my SSN are voluntary, but the requested information, including my SSN, must be provided to participate.

The principal purposes for collecting my information, including my SSN, as stated in the Privacy Act notice, are to verify my identity, determine my eligibility for loans or loan benefits under the Direct Loan Program, service my loan ( s ), and, if necessary, locate me and report on my loan ( s ) in the event of delinquency or default. My SSN is also used as an account identifier and to grant me electronic access to my account information.

Despite having followed the required procedures and submitted my 1099-C ( Cancellation of Debt ) form, I have yet to receive any response or resolution to my concerns. This lack of response and engagement in addressing my issue is causing significant distress and hindrance to my financial well-being. I kindly request that you promptly acknowledge my previous submissions and initiate a resolution process to address the issues at hand.

I believe that my rights under the Privacy Act and other federal and state constitutions are being infringed upon by the continued reporting of my student loan information to credit bureaus. I am eager to work with your office to resolve these concerns in a mutually beneficial manner. Please treat this matter with the utmost urgency and priority, as it affects my personal financial situation and rights.

I look forward to receiving your response at your earliest convenience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
IT IS UNFAIR THAT YOU ARE REPORTING ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG. IVE BEEN DISPUTING THESE ACCOUNTS SINCE XXXX, THIS IS MY 3RD ATTEMPT TRYING TO FIX THIS ERROR. THESE NEGATIVE ACCOUNTS ARE HINDERING ME FROM MOVING FORWARD IN LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: CA
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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-10-26
Company: MOHELA
State: AA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/2023 Mohela encouraged me to recertify in order to prepare for loan payments restarting in XXXX. They did not inform me that I was not required to recertify. When I emailed them to ask why they did not post this information on their website and encouraged me to recertify when it was not required, they did not respond. Now my payment is much higher.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a flood in my house which my insurance paid me $ XXXX to fix. XXXX was quick to issue my check and unfortunately, Shellpoint has not followed their own procedures or california law with respect to releasing the funds owed to me. I am XXXX weeks pregnant, already displaced from my house, and now unable to pay contractors who have been working to repair my home. I have one threatening a lien, one is saying they will leave the job and I have paid XXXX out of my own pocket when I am paying for living expenses and my mortgage already. 

I have called and emailed Shellpoint every day from XX/XX/XXXX, since after they received and cashed the XXXX insurance claim check. 

XXXX XXXX the Loss Mitigation analyst has not responded to me in over a week. 
I escalated to XXXX XXXX he also stopped responding. 
I had to refuse to hang up to reach the manager XXXX XXXX, who now has all documentation and is well aware Shellpoint refuses to pay money until an inspection is scheduled. 

The inspection has been requested every day from XX/XX/XXXX. They refuse to let me order my own inspection, they refuse to give me the inspection company name. I dont know how else to get access to these funds owed to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation