BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
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:
Please see attached Letter outlining all dates and violations and concerns

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 2023-06-02
Company: Eastern Revenue, Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE DEBT VALIDATION LETTER THAT WAS RECEIVED DID NOT HAVE THE FALSE INFORMATION ON IT AND WAS VERY UNFAMILIAR TO ME. THE ONLY FORM OF MASTER PROMISSORY NOTE WAS SIGNED AND COMPLETED BEFORE MOVING ON CAMPUS IN XX/XX/XXXX. EVERYTHING WAS ALL PAID UP AND TAKEN CARE OF DURING MY TIME AT XXXX. I RECEIVED MY XXXX DIPLOMA IN XX/XX/XXXX BY MAIL WITH NOT ISSUE. MY SUPPORTED DOCUMENT WAS PROVIDED MY FAFSA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name : XXXX XXXX & Account Number : XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
This isnt a duplicate complaint. I am XXXX XXXX, a consumer, natural person, and I own an open-end credit plan. Im submitting this complaint myself, there is no third party involved. According to 12 CFR Part 202 - Equal Credit Opportunity Act ( Regulation B ) you, CAPITAL ONE BANK ( USA ), N.A. are in violation. CAPITAL OKE BANK ( USA ), N.A. can not deny me of my right to extend credit for personal, family, or household purposes. The fact you, CAPITAL ONE BANK ( USA ), N.A. using false and misleading deception to make me believe otherwise is another violation. CAPITAL ONE BANK ( USA ), N.A. refuse to do business with me and stole from me. Thats discrimination and theft which makes CAPITAL ONE BANK ( USA ), N.A. civilly liable. Im not asking, Im demanding CAPITAL ONE BANK ( USA ), N.A. compensate me for the damages against me & my consumer report, or I will be forced to take legal action. Last chance to make things right before youre liable for more charges, attorney fees, court cost, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In divorce settlement the ex took the car and signed me up as co-owner and than didnt pay. Car was repossessed and now thats on my credit report when i dont have nothing to do with car Credit agency saying lease company is throwing it on me as well because name was on lease. 

But i sent them all documents of divorce and still nothing. Now i cant even dispute

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 2023-06-02
Company: Lyons, Doughty & Veldhuis, PC
State: DE
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:
My original debt with XXXX XXXXXXXX company was {$980.00}, I have been in contact with the company multiple times to resolve the problem and they are in refusal to let me pay the original debt since they purchased the debt in XXXX  they have been charging a daily 5.97 % on the account daily and now the bill is up to XXXX. I am willing to pay the debt but not the interest until I see the original contract saying that I have this account and can be charged interest once it goes into collections. I asked for the original contract over the phone and they said they were going to send it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 took a look at my credit report and I have noticed false and incorrect daya reporting 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 explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: SC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2021-04-18
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am hereby requesting the name and address of the original creditor, in accordance to 15 USC 1692g ( B ). Consent not provided. No permission was given to any consumer reporting agency to have my consumer information which is a violation of USC 1681a ( 4 ) my rights to privacy. No consent by definition is identity theft.

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 2018-10-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/18 I was depositing {$500.00} into my account at a Chase ATM location on XXXX XXXX XXXX  XXXX, XXXX Ca. When the ATM asked me to insert the money I did so and it rejected one of my {$20.00} bills. When it asked me if I wanted to deposit more I said yes. Then I finished my transaction and I asked for a printed receipt. When the receipt printed the atm only gave me credit for {$20.00}. I went straight to the XXXX XXXX branch to make a claim. The teller told me that they would credit my account and investigate. On XXXX I received a letter saying they couldnt find the money and I would be deducted that credit. When I went back to claim that it was wrong the employee over at the XXXX location claimed that they have had problems similar to this at that ATM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-05
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: Public record information inaccurate

Complaint:
Trans Union Credit Claims that they verified a public record showing in my credit report with the US Bankruptcy Court of PR. This is false information as the US Bankruptcy Court of PR DO NOT share information with CRAs. 
Trans Union utilized XXXX XXXX for electronic verification purposes and therefore the information provided in my TU credit report is inaccurate as TU NEVER verified this information with the US Bankruptcy Court of PR. Based on Fair Credit Act this is a violation under this act and I am entitle to remove this innaccurate information from my TU credit report. 
Additionally this public record on the investigation report should be shown as DISPUTED. It does not. 

Please instruct Transunion to remove this inaccurate public record from 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 explanation
Consumer complaint received 2022-11-13
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have been using MoneyGram for years without a problem. Then recently I tried sending money to a friend in XXXX and MoneyGram wouldn't do the transfer. For some reason everyone at the desk including the manager in XXXX seemed secretive and finally the manager said there was nothing they could do about not being able to use MoneyGram. Then I tried to use XXXX XXXX and apparently both have me blocked for some unknown reason. I would like to get in on the lawsuit I just read about. Prior to this I didn't know anyone was having this problem besides me and I had no where to turn to until I saw the article about MoneyGram being sued and apparently this is not just my problem. If you get any where with this lawsuit include my name in it as well. Any new information about current or future lawsuits against this company would be something I'd like to have. You can send me anything regarding this to XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our house was foreclosed on and sold on XX/XX/2011. 

This was after we renegotiated our loan with Wells Fargo, signed new loan documents with a notary and paid them {$8000.00} to catch the loan up. I went into a branch to make the first payment of the new loan and the teller said she couldnt accept our payment because our home was in foreclosure. Wells Fargo refused to accept any payments from us and eventually foreclosed on our home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: WELLS FARGO & COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I took out a loan through Wells Fargo for some jewelry at solitaire jewelry in XXXX, Tn. After getting and approval for XXXX I got some jewelry. XX/XX/2021. A couple of weeks later my credit score went down 119 points which was absolutely ridiculous! I contacted Wells Fargo and they told me that they are able to run my credit. Running my credit and taking 119 points is not the same thing. My credit score went from a XXXX to XXXX. After researching T the most my score should have only dropped 30-40 points NOT 119. I would like to get my points us back because I feel robbed of them

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 2022-03-09
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Good Morning, My account has been placed in collections with US Bank however, the company keeps charging my account with late fees. My account has an increased balance of over {$300.00} fees. I have spoken with three managers and they've stated that they can continue to charge late fees. Please advise on any legal advice. Hope to hear from someone soon. 

Kind Regards, 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 2022-05-14
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit reporting, credit repair services, 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:
Contacted company and credit bureaus and told them I didnt authorize these inquiries. They said the cant remove them

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 2021-04-18
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX {$500.00} was sent on cash app, when I noticed what was going on I then sent a cancellation request and I also sent an email that cash app letting them know what had happened. I have sent every documents they have asked for repeatedly!! I don't get an answer at all!! All they keep doing is sending me an email asking for all the information and once I send it all I then get an email asking if I could rate how my experience went with such agent that has emailed me!??! I am also going through identity theft! I have written cash app more than 10times and this yet to this day has not been settled.. please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax we are temporarily unable to complete this request. please try again later. 
Unable to file a fraudulent dispute on my account. I tried several browsers and devices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I believe there could be a potential error on the escrow account for my property tax. I received a notice from US Bank on XXXX/XXXX/XXXX stating that there was an escrow shortage of {$2600.00} and my mortgage payment would increase to {$1600.00} as of XXXX/XXXX/XXXX. This is going to cause serious financial hardship for me and my family and I did not receive any previous notice of this change. 
I was not given any reason ( s ) as what caused the difference between the actual escrow amount and the projected escrow amount. I was not given sufficient notice for the increased escrow amount from US Bank either. I have never been late on a mortgage payment and I would appreciate it if someone would investigate this problem and let me know what options I have to resolve it.

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 2023-02-05
Company: EQUIFAX, 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 have disputed an error on my credit report several times with Equifax and they keep verifying the inaccurate information. In XXXX, I discovered an error on my Equifax report that related to an account with XXXX XXXX XXXX with the account number XXXX. The account became charged off in XXXX of XXXX and was later settled. However, my Equifax report shows the account was 180 days late in XX/XX/XXXX, then the payment data is missing for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After that, Equifax shows I became 30 days late again in XX/XX/XXXX then the account became charged off in XXXX of XXXX, which is 4 months after the account was ACTUALLY charged off. As such, I disputed with Equifax In XX/XX/XXXX and pointed out the inaccurate information. Equifax responded back on XX/XX/XXXX saying the creditor verified the information. I disputed the account again with Equifax on XX/XX/XXXX, and Equifax again replied that they verified the account as accurate. I even enclosed a letter from the original creditor with my dispute showing the information was wrong, but Equifax ignored that evidence and did what they wanted to do. Equifax could determine through their own independent investigation that this account is reporting with blatant inaccuracies and that it does not comply with Metro 2 reporting standards for accuracy. Instead, Equifax parroted the original creditor and left the errors on my credit report. Attached are my disputes to Equifax, their responses, and a letter from the original creditor admitting the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 reached out to Walmart back in XXXX XXXX XXXX  due to them providing personal information to 3rd party Companys, XXXX XXXX, XXXX, and XXXX providing false late payment information and account information. They are in direct violation of the Privacy act of 1974. This information provided is negatively affecting my credit report I have disputed this with the credit bureaus for accuracy of reporting as well. This company is in direct violation of 15 U.SC 6802 & 16 CFR 313.1 and U.S.C 1681 ( b ) No opt out notices were giving in regard to summiting non accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: DISCOVER BANK
State: NJ
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:
On XX/XX/XXXX I noticed an unauthorized activity on my Discover credit card I reported it- someone in Florida paid my card for {$1300.00} and withdrew $ XXXX Discover closed that account and is in the process of getting a new account and card within 6-9 days. I am on XXXX as I am a 1st responder XXXX. The problem is on XX/XX/23 Discover made an unauthorized withdrawal from my personal account for {$1300.00}. Causing me hardship as I live pay check to paycheck as I am XXXX. I brought it to the attention of Discover and my XXXX account. How is Discover able to withdraw that {$1300.00} from my account without my authorization. Causing me hardship. XXXX has been fantastic in helping to resolve this, I need to file a complaint against Discover, because they withdrew the funds that I was not liable for and without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: EQUIFAX, INC.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police Report, FTC Report, and Affidavit.

Company response to consumer: Closed with explanation