BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: Colony Brands, 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:
I disputed information on my credit report regarding XXXX XXXX to XXXX, XXXX, and XXXX. XXXX is the only reporting agency that refuses to change and increase my credit score. 

XXXX was provided information and supporting documentation the same as XXXX and XXXX regarding this dispute. In the past I have had issues with XXXX tarnishing my credit report with their refusal to make change to certain consumers report. This is very unfair. I feel XXXX needs to be investigated for their unfair and biased practices. 

I truly feel that XXXX XXXX is using XXXX to unfairly push their unfair agenda to tarnish consumers credit scores and to push their unfair practices to violate consumers and the fair credit reporting act. As stated before, from past experiences XXXX is not receptive to consumers complaints and disputes. It is very rare that XXXX cooperate fairly with consumer dispute for fair resolution. This is very unfair to consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Capio Partners, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/XXXX a representative from Capio Partners, XXXX ( CRL ), contacted me saying XXXX XXXX XXXX XXXX had sent to them three bills that I needed to pay immediately. I disputed these bills and stated I had paid XXXX XXXX for all services they had provided. The representative from Capio gave me an email address, XXXX, to write a formal dispute to Capio Partners. Following is a copy of the email sent on XX/XX/XXXX XXXX XXXX  : Recently I received a call from XXXX ( CRL ) concerning three bills from XXXX XXXX XXXX in XXXX, XXXX. The amounts and dates are as follows : {$1100.00} XX/XX/XXXX {$650.00} XX/XX/XXXX {$450.00} XX/XX/XXXX I never received any billing from XXXX XXXX for these charges. They have never communicated with me concerning any further charges. I paid all bills received from XXXX XXXX and owe them nothing. Furthermore, I have found the billing practices at XXXX XXXX too be less than honest. I am disputing these charges and any other charges that may come from this organization. 

Thanks, XXXX XXXX XXXX is their response sent to me on XX/XX/XXXX at XXXX XXXX  : Dear Sir or Madam : In response to your recent inquiry, an itemized statement is being requested and will be mailed to you upon receipt. Please consider this request could take time, so your patience is appreciated. 



Thank you, Capio Partners This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Calls to and from this company may be monitored or recorded for quality purposes.

You may opt out of receiving e-mails at any time by sending an e-mail request to XXXX. 

To date I have not received any response from Capio Partners or XXXX XXXX XXXX XXXX. I consider their lack of response harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: TX
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts I found on my Credit Reports. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because because of their willful non-compliance of the dais FGCRA statute. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$6600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; must be updated to reflect accurate information on my Credit File.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fees

Complaint:
Amex XXXX prepaid cards charge the card holder {$3.00} per month re regardless of balance after 6 months of issuance. 

This is seems to violate usery and common sense. The longer Amex has use of the funds the more they make on the unclaimed balances on these cards. Charging {$36.00} in fees annually on a {$50.00} gift card is obscene and lacks any ethical justifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discover card Credit Card harassed me and my extended family about a debt by calling and referring my personal information to a debt collection agency. This agency called my family and harassed them with letters and phone calls as well. These actions endangered my welfare and well being of my family. Due to Law 15 USC 16G - All negative information, accounts, names and inaccurate information is to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Echelon Financial, Inc.
State: CA
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:
Consumer Protection Bureau Report on XX/XX/XXXX : On XX/XX/XXXX, I received an unauthorized transaction that showed in my XXXX XXXX  online transactions uncertain today if I made the request or not, so please check on the validity of the company to ensure policies are followed by the company, and there are no fraudulent transactions that occurred at the time. I am a victim of severe violations which some falls under the area of crimes against humanity. In addition, possible violations of identity theft, impersonation of character, label and slander acts of crime, plagiarism, misused of social security, and creation of fraudulent transactions might be in existence in my case. In case of any involvement to my ongoing case currently, please check the accuracy, background, and validity of this company. The debit authorization was processed in my bank account on XX/XX/XXXX with a time indicated of XXXX XXXX bank card ending # XXXX. Other information listed includes XXXX which I believe relates to the company name/info. Although it could be a request I made previously which I do not recall at this time, please check the accuracy of the information and the report paid in the transaction in details to ensure there is no fraudulent activities in existence, thank you. 

Sincerely, XXXX XXXX, XXXX XXXX Resident XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29
Company: GATEWAY FIRST BANK
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: Account status incorrect

Complaint:
this mortgage was foreclosed on XX/XX/2019 however Gateway mortgage group repeatedly re-ages the account showing as late then current then foreclosed. this has caused me and my family irrecoverable harm. This account has never been reported correctly

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: PNC Bank N.A.
State: GA
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 XXXX I and my husband, we were in a hardship situation. My husband lost his job. I was not working that time due to XXXX  XXXX. We were unable to pay our credit cards on time, but I was every time calling the companies to let them know about the situation that time. They were calling us many times a day. We decided not to answers to their calls. It was painful and frustrated for us. We were stressed. In XX/XX/XXXX, I found a job that fit with my condition. All the money I earned that time allowed us to pay our rent, the car insurance and our car with XXXX XXXX XXXX. We did not want to lost the car. In XXXX my husband found a stable job where he is until today. In XXXX the financial situation improved we decided to pay the debts we had. Almost all accounts were sent to collections. Were paid as agreed with the collections agencies we paid every thing. We asked to forgive us, because we were not able to pay monthly as agreed. Most of companies removed our accounts from serious delinquency, PNC BANK, XXXX XXXX AND XXXX 'S did not want to do so. The main concern of our complaint is we need another chance. We have stable jobs now and are able to manage our finances. We need your help if those companies can remove those accounts from serouis delinquency. This situation affects us so much we are first time home buyers. Every time we apply for a loan we are not approved because of those accounts on serious delinquency. The credit limitsfor PNC BANK WAS XXXX $ with late it was around XXXX XXXX I had pay according to the settlement around XXXX $ and something. XXXX XXXX XXXX $ credit limit with late fees it was around XXXX $ I have paid according to the settlement XXXX $ and something, XXXX XXXX CREDIT limit XXXX $ XXXX paid XXXX $ and something. We have never wished to lived the situation we had that time. We are asking for forgiveness. We want to have our own place we are at this address for XXXX years. It is time for us to move on. We are ready to have our own place. We have XXXX children. It is going to be nice for them if we move to a new house. 
Name : XXXX XXXX XXXX EMAIL ADDRESS : XXXX Home address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Note : I have changed my last name. 
The time I had those accounts my full name was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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

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 2023-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Remove from credit report. 
Report no more than {$50.00} balance per federal trade commissions guidelines I was a customer without access to a physical card while company billed me and reported to credit reports. 
Would not close my accounting XX/XX/2021. 
Forencically fixed thier computers to erase my attempts requests on live calls Documentation vlose my account. 
Never would issue a card but collected on dsuch card. 
Paid XXXX credit limit was never applied. 
Never issued my replacement card. Other one reported lost XXXX years. 
They broke laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The XXXX and XXXX XXXX Credit Bureaus have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

1. EOS CCA XXXX Balance {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after Ive already included this in my previous Complaint # & I am including it again., 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 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 explanation
Consumer complaint received 2018-08-03
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Hello there, I am XXXX XXXX I had the credit card with company with a payment charge {$26.00} on my credit on XX/XX/XXXX. However I did not receive any notice and continued billed the late fee and interest on this amount. Here is the situations. 1 ) Mail communication. The company claimed they sent mail to me and returned back to tham. I check my profile online. It has my old address there. However, the company changed web site last year. Everytime I changed my address under profile. It went through smoothly. Nothing is wrong or warning there. But when I checked it out the next day. I still had my old address under profile. I found this out on XX/XX/XXXX after i found I was charged so much money on my credit card. In other words, the company has one unfunctional web site to update customer address. I also bak account and retirement account with the same company. I can not understand why the company find the address information from there. So far, my address is still old address under profile. 2 ) Phone communication I have two phone number there XXXX and XXXX. Nobody called me if you they had mail returned. If one communication way was blocked. They just charged the money on credit card and kept it. 3 ) email communication I have email address on file. I still received bak statement every month. I never receive any email from credit card department about my bill or mail return notification. The second communication is never used. In short, their company new web site from XX/XX/XXXX does not function at all. I can not change my mailing address online. Three ways for the communication become one way communication with month by month charge on my credit. I do not know if the company did that on purpose. I require the company to change my address to the correct address and refund the money back. I paid $ XXXX $ XXXX {$94.00} for the actual charge {$26.00} I require the refund the difference {$67.00} and make your company web site workable. My wife online account was also locked for almost one year and for the credit card web site, the company offer two different website from XX/XX/XXXX. It is ridiculous. It is a totally mess for the online credit card management. Please also correct the credit report for me. 
Regards, 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 2023-11-03
Company: Experian Information Solutions 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:
After having my credit checked by XXXX the following morning I received over 40 phone calls within 1.5 hours from mortgage brokers. I did not consent to the big 3 credit firms distributing my personal information. Access to speak to them is extremely difficult and I have tried several phone number and automated systems will not support me. Why are the major credit firms allowed to share information about me without my consent.

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 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-06-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Homeowners insurance coverage was not renewed for the year but was paid through my mortgage payments. Pennymac is forcing me to pay for insurance for last year. How do you cover the past with insurance? It's unnecessary money spent and it has destroyed my progress towards paying off my principal amount. I got a policy in place for XXXX. So Im paying for present coverage and an imaginary cover from last year that was just charged to my account XXXX XXXX. I can't afford any increase in my monthly note over paying 2 insurance premiums this year. I really feel like it's an attempt to cause me to foreclose. I would understand the reason behind forced insurance if it covers the present day going forward... not backwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase at XXXX department store in XX/XX/2022 for {$82.00}. I paid the bill through my online bill pay with XXXX bank. XXXX cut the check and mailed the payment on XX/XX/2022. Comenity bank claims they didn't receive the payment until XX/XX/2022 which resulted in a {$29.00} late payment. I contacted comenity protesting such a large late fee and questioned whether they actually received it late. I received to satisfaction I reluctantly paid the late fee which was processed by XXXX and mailed XX/XX/2022. This time comenity claims to have received the check XX/XX/2022 resulting in another late fee of {$29.00}. I contacted comenity in writing and questioned why the delay in their processing the check from XXXX. They responded with the attached letter on XX/XX/2022. In the meantime they continue to charge late fees upon late fees. See attached printout. This is exactly why the CFPB is established for. This is not a matter of a consumer refusing or being able to pay a debt. It is a theft by an institution against a consumer.

Company response to consumer: Closed with monetary relief