BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I.Q. Data International , Inc. 
XXXX XXXX XXXX XXXX, WA XXXX I received my certified letter requesting validation of the following accounts : RE : XXXX ( account number ) They are attempting to collect on these accounts. Although, they never responded. Under the Finance Code for my state, the debt collection agency has thirty ( 30 ) calendar days to respond to a debt validation request. All debt collectors operating in this state must be able to verify, or " validate, '' any debt on which they are attempting to collect payment. Georgia Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance XXXX XXXX information If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. 



As of XXXX XXXX, I still have not heard from them. Under state and federal law I could sue them and ask for thousands. However, I would like to make every effort to resolve this matter amicably without presenting this case in court before a jury in my community. 

I've have sent 2 letter for debt of validation on XX/XX/2022 and XX/XX/2022 and still haven't received anything regarding to that account. 


If they delete the account and cease reporting to the bureaus, I will consider this matter resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: RI
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:
15 U.S.C. 1681 Section 602 states a consumer agency can not furnish an account without my written consent In accordance with the fair credit act these companies listed violated my rights! 

Credit Inquiries XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: IL
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 have reached out to your company, you can see how many time I submitted a claim, as well as Equifax. I am trying to understand how this is possible to allow a company to continually allow false items on MY credit report? I have submitted paperwork from the IL Bankruptcy courts as well as a police statement. These documents was submitted both here on this site as well as Equifax, yet they are still on my report. Should I get a lawyer to sue you and Equifax? What is it going to take to get this resolved? What else needs to be done? This has been on my credit report since XXXX! - Three years later it is STILL here!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, 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:
Equifax is continuing to report inaccurate unauthorized information on my consumer report and is in VIOLATION of Credit Reporting Act Section 1681b ( c ). This my second notice first once was XX/XX/23 Also a copy of my identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citi bank has retaliated against me for filing federal complaints by closing my account. I made a {$500.00} payment two weeks ago. Citi responded by lowering my credit limit. I filed federal complaints for arbitrarily lowering my credit limit on my account in excellent standing for no reason at the onset of a natural disaster and national emergency. In response to my compaints, Citi has now closed my account. Lowering my credit limit due to " high balances to credit ratio '' means that now my debt to credit ratio is even lower so all my other credit cards can lower my limits on those accounts as well, because now that Citi lowered my limits my debt to credit ratio is even higher. Citi started a viscous circle where my credit will repeatedly be negatively impacted. Now that Citi has closed my account, that will negatively impact my credit as well.

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 2021-10-12
Company: Experian Information Solutions Inc.
State: MI
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:
I have 5 lates on my credit report that shouldn't be there. I fell behind because i got XXXX in XXXX and couldn't work for 3 weeks. I contacted XXXX XXXX about this and they were supposed to be understanding. I made my payment as soon as I was able to in XXXX and I thought i was up to date - apparently they charged me a late fee that I wasn't aware of, my account looked fine online, so I just kept making my payments. Come to find out that a late charge was on my account that hit my credit report in XXXX, XXXX, XXXX, XXXX and XXXX. 
I can understand one late charge, because I truly was late in XXXX, knew I was going to be and called XXXX XXXX for circumstances out of my control, but to have this continue to roll into several months is XXXX. 
My account is paid up to date as of now, but my credit is suffering for this. It is not fair.

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 2023-01-20
Company: I.C. System, Inc.
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:
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.

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 2023-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I have had my Capital One Mastercard for many years. I admit I have missed some due dates but I have never been 30+ days over making a payment. I have always paid either the amount due or a few dollars over the amount due but never less. I have been unfairly charged on my credit report of not paying {$10.00}. If I have paid the amount due on each bill, how am I short {$10.00}? They also have charged me a late payment fee which is fine because I have missed the due date, but this company can not charge me this fee and make me pay it as part of my balance. My balance consists of charges I made making purchases using the credit card. I pay my monthly bill based on those charges and my payment due should not include the late fee. That is not a charge I incurred during a purchase at a retailer when buying merchandise or services. They are making their customers pay these fees as part of their monthly payment due. They are also charging this fee when it is convenient. There have been times where I missed the due date but paid the bill before the next statement was cut and there was no late payment fee. This is inconsistent practices that the consumer should not have to bear the consequences for. Because of this practice, they unfairly marked my account as past due for 2 months and caused my credit scores to drop. My payment history has always been 100 % paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: FL
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/2022 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 2023-01-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Me and my wife have lived in our house since XX/XX/XXXX, with a 2.25 % interest rate. 
During COVID 19 epidemic I took advantage of payment assistance program Wells Fargo offered, this was the beginning of XXXX. I am self employed and my wife was in school and I was hit by loss in work due to not being able to enter customers homes. Initially when I spoke with them they said when the time came to pay back the payments I would be able to tack them on to the end of my mortgage. In XXXX Wells Fargo reached out on how to proceed with picking up the payments they all out denied the fact they told me they would place it on the end of the note. They said our only option was to do a loan modification. We started that process, with the loan modification they gave us a covid grant from the government that paid for the year or so for skipped payments. Then I filled out and got papers notarized and sent them in. I waited for it to be approved and wells fargo called me around XXXX and I made a double payment on XX/XX/XXXX for XXXX then in XX/XX/XXXX I made XXXX and XX/XX/XXXX another XXXX. They sent us more papers in the mail saying we had to re- apply for a modification because " I made a payment that was not for the right amount ''. Next month comes around and they now start saying that I did not make payments on time so I automatically was kicked off the original modification ( which they never sent anything saying we were approved for modification in the first place ). I argued and talked to multiple people and never got an answer on where the original federal government grant money they got for our loan went. Still they said that I could not go back to the original modification or get payments tacked on the end. They now given us two options, foreclosure or a NEW 40 year mortgage at 7 % interest and the XXXX in payments in interest skipped that was suppose to be covered by the government grant is in a different account that we have to pay whenever the house is paid off.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: FL
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 Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2023-02-25
Company: EQUIFAX, INC.
State: WA
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:
So I sent a letter off on XX/XX/2022, to remove personal information that I do not want on my credit report. Here is my tracking # XXXX. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: BANK OF THE WEST
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am writing to file a complaint regarding the application of payments on my RV loan with XXXX XXXX XXXX XXXX XXXX which was picked up by Bank of the West. Specifically, I have noticed that recently all of my monthly payments are being applied to the interest, despite the fact that my loan agreement specifies that early payments will have the effect of reducing the final payment. 

What is odd about this matter is that initially the payments were correctly being applied to both the principal and interest. I then went ahead and made a few early payments and noticed the lender applied the amount to both the interest and principal. This practice appears to contradict my loan agreement which specifies that early payments will have the effect of reducing the final payment. 

I have contacted Bank of the West to request that they modify the payments so that a portion is applied to the principal and a portion to the interest, as outlined in my loan agreement. However, they have refused to do so. 

I believe that this practice is in violation of my loan agreement and may be causing me to pay more interest over the life of the loan than I should be. I would like to request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Bank of the West is applying my payments in accordance with my loan agreement. 

Please let me know if you require any additional information or documentation from me to support this complaint. 

Thank you for your attention to this matter.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX name : has violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 2022-04-13
Company: Credit Union Mortgage Association, Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a mortgage loan with the XXXX XXXX XXXX XXXX for my mortgage on XX/XX/2021. The loan is serviced by the Credit Union Mortgage Association [ XXXX  ]. In XX/XX/2021 XXXX  began overpaying taxes due to Washington DC by several thousand dollars. This resulted in a negative balance for my escrow account and a significantly positive balance on my tax account with the District of Columbia. Due to the way the District of Columbia Office of Tax and Revenue accounts for overpayments I am not entitled to collect this overpayment myself. Only the organization or individual that made the payment may claim the refund for overpayment. To make up for this incorrect overpayment XXXX has increased the amount of my mortgage due each month from {$1800.00} to {$3200.00} ; a sum I definitely can not pay. I am in severe risk of losing my house because of this improper accounting by XXXX. Despite pointing out the issue and providing documentation of the overpayment XXXX has made no effort to correct the error, refund the overpayment, and recalculate my mortgage payment back to what it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an installment loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days 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 2022-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My complaint is with Capital One ( XXXX XXXX XXXX ). This is a XXXX part complaint : I had a balance of {$2300.00} at the end of XX/XX/2022. I PAID the FULL balance online yet Capital One didn't apply payment until after XX/XX/XXXX, incurring an additional {$50.00} interest/finance charge. So I IMMEDIATELY paid that {$50.00} and low and behold my XXXX statement comes and they are wanting {$10.00} fee for XXXX BALANCE!!! 

So on XX/XX/XXXX I called Capital One to cancel/close this account and had to go through a supervisor by the name of XXXX ( XXXX XXXX XXXX ) who was sarcastic and belittling. 

I'm contacting you first and the Minnesota Attorney General next as these are unfair practices and need to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish an 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