BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: NCP Holdings, L.P.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Requested a loan from NCP Finance in XX/XX/2019. Agreed to XXXX every two weeks. I missed two payments totaling {$130.00}. However, the payments have continued to ACH every payday since the two missed payments. NCP Finance forwarded my account to a collection agency, XXXX which has reported negative information to Equifax. The debt reports {$440.00} and dated XX/XX/2019 when the loan was taken in XX/XX/2019. XXXX, the collection agency is reporting false and inaccurate debt to my credit bureau. I am requesting them to remove the file from my account. Additionally, I am currently paying installments on the loan to NCP and I am requesting they consider my debt paid in full and stop all collections based on their integrity of forwarding my file for collections and continuing the withdrawals from my account. They cant have it both ways. Reporting me delinquent and tapping into my account twice monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TD BANK US HOLDING COMPANY
State: IL
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 Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 my UnionBank debit card was hacked by a foreign fraud organization and an amount of {XXXX} was transferred to a XXXX XXXX via a money transfer service called XXXX. I had not authorized this transaction and just by sheer luck, happened to check my account shortly after it occurred. I immediately called the bank help line and discovered that it no longer functioned 24 hours a day, as it had before being acquired by XXXX XXXX. ( Generally, following this merger, services have suffered greatly and fees have been rampant! ) As a result, I was unable to put in a charge dispute till the following day. 

When I finally was able to open a charge dispute, I was told that there would be a 10 to 20 BUSINESS day investigation period at the end of which I would get a response via email detailing the results of their investigation. And so I waited. After a full 21 business days had elapsed without a response I called the dispute response department and was informed that no investigation had ever been opened or was lost. I was told I would have to open a new one and that I would have to wait an additional 10-20 business days for an an investigation to take place. This amounts to a dog ate my homework response, which in my experience is typical with stoned teenagers and giant fascist corporations such as XXXXXXXX XXXX ( Truth be told, I would trust a stoned teen before XXXX XXXX with my money. ) What I would love to see happen is for XXXXXXXX XXXX to be put out of business through strangling fines and draconian regulations. I realize this is unlikely. I insist, however, that you investigate this and give them some legal pain that will cost them significantly more in lawyer billable hours than the small sum that was stolen from my account as punishment for their XXXX  response to my complaint.

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 2023-12-19
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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 Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX Account number XXXX Account name : XXXX XXXX  XXXX Account XXXX XXXX Account name : XXXX & XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name : XXXX  XXXX  XXXX  Account number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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 is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-01-02
Company: Bread Financial Holdings, Inc.
State: FL
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 realize that in the months of XXXX, XXXX, and XXXX I was charged fees twice in one month. I do not know what they are for exactly because they only say " Fees '' and not Late Payment Fee nor " Interest - daily, accrued, or compounding Charges/Fees. '' It is not fair that I am not clear about what I am paying for. Therefore, it has been impossible to anticipate my monthly payment amounts to my BJ 's Perks Mastercard and I can never seem to get ahead of the high balance. Furthermore, my transaction history is not available before XX/XX/2022. I don't think that is right. I should have online access to my entire billing history. 

XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$72.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$38.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$70.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$70.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$68.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$38.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$65.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$67.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 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 2020-03-03
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My HOA switched insurance companies on XX/XX/2019. My mortgage servicing was also bought by Shellpoint Mortgage Servicing. In XXXX they sent a letter threatening to buy mortgage insurance if I did not submit proof of insurance. Evidently they did not obtain this from my previous mortgage servicing company when they bought the rights. I contacted my HOA, was emailed proof of insurance, and forwarded that to Shellpoint Mortgage Servicing on XX/XX/XXXX. Approximately a week later I called Shellpoint to insure they received the HOA insurance. They said they did, but the individual on the phone said the new coverage began on XX/XX/XXXX, and they possibly would need proof of old coverage from XX/XX/XXXX-XX/XX/2019. She said shed submit it and theyd let me know. Approximately a week later I received another letter threatening theyd purchase coverage from XXXX XXXX if I didnt submit proof of old coverage. I again contacted HOA, was emailed proof of old coverage, and forwarded that to Shellpoint on XX/XX/XXXX. XXXX week later I called to follow up with Shellpoint, and they claimed they never received it even though I have proof email was sent. Individual I spoke to said to email directly to her, which I did while we were on the phone, and she confirmed she had received it. This was on XX/XX/XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX ( day after she confirmed she received it ) they Shellpoint hadnt received proof of insurance and they bought insurance for me. I had submitted proof twice the week prior to the date on their letter. I shouldnt be harassed for the same information, I have proof of insurance and proof of submission. This is a clear violation of consumer protection laws by Shellpoint Mortgage Servicing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CL Holdings LLC
State: IA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on or about XX/XX/XXXX, the complainant and my domestic partner purchased a XXXX XXXX XXXX from XXXX  XXXX auto sales in XXXX XXXX XXXX. 

on or about XX/XX/XXXX the XXXX XXXX fusion was repossessed by XXXX XXXX XXXX and resold about 3 months later. then on XX/XX/XXXX, ACA charged out the remaining debt through a 1099c absolving us of any debt and making us liable for taxes only to the IRS. 

on or about XX/XX/XXXX, XXXX Jefferson Capital Systems bought this non-owed debt probably in bulk from ACA, and began their campaign of harassment and intimation. 

on or about XX/XX/XXXX, began reporting negative information on my consumer credit claiming we owe jointly XXXX dollars and have consistently been reporting this negative information for the last 28 months causing both consumer credit reports to drop at least XXXX points when no debt is even owed. ( a total of XXXX times each on both sets of our consumer credit reports. ) while at the same time consistently mailing collection letters and making collection calls. 
then on XX/XX/XXXX, Jefferson Capital Systems filed suit against me and my domestic partner in the XXXX XXXX XXXX XXXX in XXXX XXXX Iowa. after answering this suit and my XXXX partner promptly filed a motion to dismiss of which a hearing was scheduled about 30 days out. during this 30-day period, i sent a debt validation letter to both the attorneys of record and the company it represented. 

requesting : the original contract between ourselves and ACA ( not attached to suite ) and other things listed in the law suite .

it was during this time I contacted ACA and was informed that the debt was discharged and a 1099c was filed. a simple phone call.

I promptly filed a motion to dismiss as no debt was owed hearing was granted after Jefferson capital systems were made aware a continuance was granted then they moved to dismiss but by now both our consumer credit report was in shambles and of this could have been avoided with simple due diligence on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: AMERICAN EXPRESS COMPANY
State: AR
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:
I opened these accounts in XXXX and was doing well with them, then Covid-19 hit causing financial destruction for my family. During the Pandemic of XXXX, I had XXXX and I had to be off work without any pay, and the only way I could feed my family was to charge food and utilities on my AMEX Card and XXXX XXXX. Since that time, I have not been able to bounce back to pay those card up or off. Now I am off work with an illness and the bills keep coming as I have not worked since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Im accordance with the fair credit reporting act XXXXXXXX # XXXX account name XXXX XXXX XXXX ( account # XXXX account name XXXX XXXX  ) ( Account # XXXX account name XXXX  XXXX XXXX  ) ( Account name XXXX  XXXX account # XXXX ) account name XXXX account # XXXX 15 U.S.C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 it alsos state a consumer reporting agency can not fumish 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 non-monetary relief
Consumer complaint received 2022-12-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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 : Portfolio Recovery Associates, Account num : 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 a account without my written instructions 15 U.S.C. 1681s-2 ( A ) 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

i have sent XXXX, XXXX XXXX XXXX my FTC Identity Theft Report as of XX/XX/XXXX and i have disputed with this company through XXXX, XXXX XXXX XXXX on numerous information proofing countless times that the information they are reporting is false and each time they change the information specified while reporting a new false information not specified and is operating in a unlawful manner that is violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: ENCORE CAPITAL GROUP INC.
State: NC
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. 

I5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency Can not furnish a account without My written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer Credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my American Express card to pay for a stay at the XXXX XXXX XXXX in XXXX, FL. XXXX XXXX XXXX claims to be pet friendly and mispresented their pet policy when I made the reservation. Specifically, I was advised when making the reservation that proper accommodations and safety practices were in place for pets. That was very untrue since there was no place to walk dogs on the premises and instead they suggested a county run park that was almost a mile walk. In the summer heat in Florida, that long walk can be unhealthy for a dog. Also, I had the Florida XXXX XXXX XXXX investigate the XXXX XXXX XXXX and they were found to have many violations, one in particular which was dangerous to pets was mislabeling and handling of chemicals. Unfortunately, my dog because violently ill during the stay and died. Cause of death was undetermined and thought to be heatstroke or poisoning. 

I filed a dispute with American Express for the two related charges, XXXX which was dispute number XXXX and XXXX which was dispute number XXXX. American Express closed the disputes in my favor and then reopened on XX/XX/21 and returned the charges to my account. Their reasoning seems to be because XXXX XXXX XXXX refunded the pet fees. To me, a refund of pet fees is an admission of guilt and is not a resolution at all. 

I feel that American Express did not put effort in their decision and decided to rule in favor of the merchant which is not properly protecting their customer. It was also lazy in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have asked for account information in the past and did not receive all information. Navient is purposely withholding information because they know the debt is not valid. 

I want an itemized statement and proof the debt is valid and the balance is accurate by producing original loan documentation. This would include the loan agreement from its conception as well as every single monthly statement from beginning to present. That means I want every months statement and its status for that month. All documentation from beginning to present. Thats almost 20 years of statements Ill be waiting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CAVALRY PORTFOLIO SERVICE Account number XXXX Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 

CAVALRY PORTFOLIO IS AGGRESSIVELY ATTEMPTING TO COLLECT ON THE DEBT THAT IS 9 YEARS OLD.. I  contacted citi bank the original creditor on this account who stated 1099c was issued 4 years ago, and confirmed that first date of default/last date of activity on this account was back in XXXX thus this account is too old to report on my credit and has passed a statutory allowed amount of 7 years. I supplied this info to Cavalry on numerous occasions who ignored and still refuses to remove this erroneous collection. Every time we call they just collect and update information on me and now they called my work and parents house, AND changed the " on record until '' date on XXXX  report from XXXX year to XXXX how is it even legal ... why can't we stop them from harassment and violation of federal laws on collection FDCPA???

Company response to consumer: Closed with explanation