BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-02
Company: Prosper Marketplace, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a XXXX line of credit created to consolidation loans. Loan closed XX/XX/XXXX ; recision period ended on XX/XX/XXXX and pay off checks were issued XX/XX/XXXX by the bank overnight mail. XX/XX/XXXX all banks processed the check as expected, except Prosper Funding LLC. 

XX/XX/XXXX I called Prosper Funding to check on the status of these two loans I have ( 1 ) {$8900.00} at 09.29 % interest and ( 2 ) {$12000.00} for 16.84 % interest. I called ( XXXX ) XXXX line and asked about the payoff status. They could not tell me checks were received. They did tell me that if the checks were received, they will process the checks within 10-days. They process checks through XXXX since they are not a bank. They also told me they will charge me interest each day until the check is processed. 

I was shocked to hear that interest is charged to me until they decide to process the checks and not based on the day the check is received. I have worked for mortgage business for 23 years and started int he payoff department in XXXX. This is not normal banking practices.

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 2019-04-09
Company: EQUIFAX, INC.
State: IL
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:
This is the response to case # XXXX, requested info : STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response " Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please provide us with the following information : Please be specific with your concerns by listing the account names, numbers, and nature of the dispute. Please provide the requested information to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX. '' Here are the names, numbers, and nature of the disputes : ACCOUNTS XXXX XXXX XXXX XXXX paid in full/inaccurate XXXX XXXX XXXX XXXX paid in full/inaccurate XXXX XXXX never late/inaccurate XXXX XXXX paid in full/inaccurate XXXX XXXX XXXX paid in full/inaccurate XXXX XXXX XXXX XXXX XXXX {$340.00} not mine XXXX XXXX {$830.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending to follow up on my previous complaint regarding errors in my credit reports. I have observed that no deletions have occurred as requested. I am planning to update my credit reports once more within the next 15 days. I am earnestly requesting that the Credit Bureaus promptly remove the following items from my credit reports, as mandated by the FCRA section 605b, which requires Credit Reporting Agencies to remove any items listed on an identity theft report. Items requiring removal within 15 days are as follows : XXXX : XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} EQUIFAX : XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I have tried repeatedly to resolve issues with incorrect information on my report. The credit bureau ignores my letters and repeatedly adds incorrect descriptors and or inaccurate comments to my XXXX XXXX Accounts. This inaccurate, fraudulent descriptor negatively impacts my credit worthiness and ability to obtain additional credit or credit increases. 
My consumer rights have been violated and FCRA guidelines have been blatantly disregarded by credit bureau ignoring letters Ive sent requesting them to delete the inaccurate remarks/descriptors - as they are blatantly false and 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 2019-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2019 I purchased baby apparel for {$38.00} from Kohl 's in XXXX TN, located at XXXX XXXX XXXX XXXX XXXX. The sales representative asked me if I had any coupons and I said no. Then she asked me if I wanted to use my Kohl 's card and I said no. I told her I would like to use my credit card. And, she proceeded to tell me if I use my debit card, I can pay for the merchandise now and that will keep me from paying interest. Mind you when paying with a debit card, there is no interest. So, I said will I can go on and pay with my debit card and not worry about putting the cost on my credit card. Therefore, I gave her my debit card and she asked for my drivers license. At that time, I thought she was checking my identification. But, she proceeds to enter my license information into the register to start a credit card application and the merchant machine was asking for my credentials such as for me to verify my information and it asked for my social security number. At that time she that was the way the system could verify me. I told her to stop and give me my card and license because she was trying to trick me into opening an in store credit card. I told her that was unfair consumer practices and she wouldn't look at me. I don't know if that's the store practice but it can't be right. It is pure deception because they are trying to trick the customer into opening an account. I would like to see something done because this is very inappropriate and in my mind, criminal. Can you assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2023 I submitted an IDR application that is still processing. Later, my account showed as on the REPAYE plan with a $ XXXX payment. Then, it was updated to a SAVE plan with a pending month payment. Then, my account was put on the level plan with an outrageous $ XXXX payment. Then, when I called, I was told that my payment under the SAVE plan would be {$260.00}. MOHELA is incompetent and is wasting my time and money processing my forms for months on end and they keep switching me back to a level plan even though I keep applying for IDR options and am on PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2020-02-19
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: Investigation took more than 30 days

Complaint:
I RECEIVED A NOTICE FROM XXXX  XXXX  REGARDING MY CREDIT SCORE DECREASING BECAUSE XXXX XXXX XXXX INCREASE A PAYMENT ON MY XXXX  CREDIT REPORT BY {$30.00} AND MADE MY SCORE GO DOWN BY 88 POINTS. AT THE PRESENT TIME I AM DISPUTING XXXX XXXX XXXX ENTIRE CREDIT HISTORY REPORTING. I WOULD LIKE TO KNOW WHAT AUTHORITY DOES XXXX   XXXX HAS TO DECREASE MY CREDIT SCORE, BECAUSE THEY ARE NOT A CREDIT BUREAU ANYWAY. XXXX HAS ON MY REPORT AT THIS TIME AS ACCOUNT IS CLOSED. XXXX XXXX XXXX  ALREADY KNOWS THIS ACCOUNT IS IN THE PROCESS OF LEGAL ACTIONS BEING BROUGHT AGAINST 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 explanation
Consumer complaint received 2020-12-21
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not receive any sort of communication from Convergent Outsourcing, Inc., regarding an unpaid cell phone bill being sent to collections. I did not know that I owed a balance when I closed a XXXX XXXX account. I received no communication from XXXX  or Convergent. I did not receive any communication asking me to pay the outstanding amount and then I didn't receive communication advising me of my rights regarding the account being handled by a debt collector. Now this is showing as a collection on my credit report. I found out about this debt from review of my credit report!!! I have received no information about how to dispute this debt. I do want to dispute the debt as I do not feel I owe the amount that is supposedly outstanding. But, I was never given an opportunity to resolve or dispute this matter before it was added to my credit report. I have no voicemail, email, or mailed letter letting me know my rights regarding this debt.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-01-05
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: Information belongs to someone else

Complaint:
I am NOT financially responsible for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX formerly XXXXXXXX XXXX opened on XXXX in the amount of {$32000.00}. It belonged to my XXXX. I have NEVER signed as applicant, co-applicant or guarantor for any loan or real estate mortgage reporting on my credit file with Equifax and XXXX. XXXXXXXX XXXX is FRAUDULENTLY verifying that the information reported is accurate which is AGAINST THE LAW. I am requesting that XXXX bank deletes the loan account from my credit profile IMMEDIATELY. Should they refuse, I request that they supply you with the record of original loan application and settlement documents with my signature as evidence that I am a signor of the loan in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX, EQUIFAX, and XXXX  are in violation of my consumer rights by reporting fraudulent accounts and inquiries on my credit report. Below are the accounts and inquiries : Account XXXX XXXX XXXX XXXX  {$1700.00} Account Number - XXXX Inquiries XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the listed accounts and inquiries be permanently removed from my XXXX XXXX EQIUIFAX XXXX and XXXX credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting 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:
THISS INQUIRIES ISNT MINE. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Bread Financial Holdings, Inc.
State: MO
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:
I had a Comenity Bank credit card, through a company called XXXX. XXXX informed me that their credit card program was ending on XX/XX/XXXX. I received several communications about the program 's end. The final notice was sent on XX/XX/XXXX, stating " If you're using your XXXX credit card to make recurring automatic bill payments, please switch those payments to a different card, since your XXXX credit card will no longer be accepted. '' I had until the next billing cycle to fully pay off the card balance. As of XX/XX/XXXX, my balance was XXXX. Since my debt was satisfied, I didn't think about the card after that. 

Around XXXX of XXXX, I started receiving notices from XXXX that my account had an unpaid balance. I called them up to explain that the charge they were trying to collect on went through XX/XX/XXXX, 3 months after the card was closed. It was a recurring automatic charge of {$6.00} that, per their own letter, should not have gone through. Over the course of the next 6-8 months, I regularly called up XXXX to re-explain that the charge should not have gone through. Each time, the representative agreed with me, and indicated that they would be notating the account to reflect that. I continued to receive late fees and finance charges over the course of a year and a half, despite making at least 6 separate calls to the company. In XXXX of XXXX, I finally just decided to pay the {$190.00} accrued on a {$6.00} charge that never should have gone through to begin with. 

I put this behind me until I checked my XXXX   and XXXX  reports and saw that XXXX reported my account as late from XX/XX/XXXX to XX/XX/XXXX, despite the card closing XX/XX/XXXX. This is more than a year after the card was closed and paid in full. The account is reported accurately through XXXX. I have disputed this through XXXX  2 times, and I am currently disputing it for a 3rd time. XXXX  says that XXXX has provided documentation to support their claim, but I have conflicting documentation that supports mine. 

I have perfect payment history on all of my tradelines. This is illegal and all-around not fair. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: AMCOL Systems, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 got these negative items from unknown companies to show up 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 non-monetary relief
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX XXXX XXXX XXXX XXXX Account XXXX violation must DELETE Since XX/XX/XXXX, I have been requesting sufficient proof in the file on a debt XXXX  XXXX/ XXXX XXXX XXXX claim I owe. I have sent multiple letters to XXXX XXXX XXXX demanding sufficient proof within ( 30 ) days on this account they continuously ignore my yet update with the credit reporting bureaus. In accordance with FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. Since they failed to respond to me directly, I asked them to provide sufficient proof using all ( 3 ) credit reporting bureaus. XXXX XXXX XXXX has failed again to provide sufficient proof but updated XX/XX/XXXX which is a clear violation of FDCPA 809 ( b ). I demanded all ( 3 ) credit reporting bureaus to 1. Reinvestigate inaccuracy 2. Provide results. have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately. 
have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a in accordance with ( 2 ) violation listed below

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Midland Funding farmed this disputed debt to law firm without forwarding required information. I do not know what this debt is for or how come they are garnishing my wages. 
There is a document submitted to the court that says I owe this debt but I do not think this document is reliable. This is a new job I just started and they say that I was served and I have no way of disputing this after all these years but I was not served with these papers This is a lot and I will be forced into bankruptcy for a dishonest creditor and a old debt from some law firm I never heard of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief