BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: General Motors Financial Company, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I requested all refunds of payments made from the beginning of contract there was no debt it was paid in full and they still took money from banking accounts etc and had negative impact on my credit score and all payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: I.C. System, Inc.
State: CA
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.c. System, Inc. '' has attempted to collect a debt in the amount of {$520.00}. 

I do not owe the debt. 

I never received notification that attempts to collect a debt were going to be made. 

I discovered the attempt on my credit report. 

I reached out to the company within 30 days requesting verification of the debt. I informed the company that if they did not immediately cease collection attempts before providing written verification they would be in violation of the Fair Debt Collection Practices Act. 

The company did not comply with providing verification, and has made 2 additional attempts to collect on the invalid debt. The company is in violation of the Fair Debt Collection Practices Act due to continuing attempts to collect without providing written validation.

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 2022-12-10
Company: Experian Information Solutions Inc.
State: LA
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:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2022-01-25
Company: FULTON FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was acquired by Fulton Bank ( aka Fulton Financial ) on XX/XX/XXXX. Our statement/billing address has been incorrect since then. We have tried every month to get this issue correct by both online servicing and calling in to their customer service center. Most recently on XX/XX/XXXX we called in an were told their mortgage servicing system is " down ''. While this is believable, there is always some reason why they can not accomplish this basic task. Their website also does not allow us to login - we were able to access it one time but since then it also either has issues or does not recognize our account.

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 2023-06-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
i reached out to the CRAs about reporting inaccurate and incomplete items on my credit report and i am asking for your help in deleting the inaccurate and incomplete items deleted. per 15 usc 1681 all information has to be 100 % accurate and complete, if not has to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2020 my husband and I XXXX a XXXX  XXXX but had to have it dismissed because during Covid we missed a couple of payments. We voluntarily had it dismissed so when we were able we could refile. We continued to send our mortgage payments but phh kept returning them to us. So eventually I stopped sending them and concentrated on paying off our electric bill that had ballooned because of Covid and having everyone home with remote learning. We are trying to get a repayment plan because of Covid. But they refused us and now have an appeal in process. This week we received a notice that our homeowners insurance will be cancelled on XX/XX/XXXX. Because of phh. We wouldnt have this problem if they accepted our mortgage payment. We have foster children living here so everything needs to be in order. Thankfully both my husband and my employers has raised our salaries and would like to be able to pay our mortgage and pay extra monthly towards whats owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
there was no debt it was paid in full and they still took money from banking accounts etc and had negative impact on my credit score and all payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Sent a letter to NCA ( National Credit Adjusters ) with an attempt to pay off debt owed at 50 % off. Received a call from NCA on Monday XXXX informing me they were rejecting my offer. The female also informed me they were going to turn my account over to an attorney to be sued. I am aware of a big lawsuit levied against NCA in 2018 for these same practices. They are continuing to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original creditor which is XXXX has placed this on my credit report 2years ago with a collection agency called XXXX, XXXX in XXXX I disputed the account it was investigated and removed from my reports, now XXXX it is back on my report by another collection agency by the name of Enchanced Recovery collections. If this was investigated and removed from my reports they should not be able to see it and placed on my account again this is causing a real hardship in my life. It is very stressful and it causes so much stress in people lives to have to keep dealing with this kind of head ache. I have never received any documentation from XXXX or enchanced recovery. But I do have proof that it was on my account in XXXX and did not show up on my XXXX credit report again until now XXXX. XXXX. Please have this removed off my reports immediately. I will also be filing a report with theXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have a XXXX secured credit card. They have erroneously reported a balance on the secured credit card to XXXX, XXXX and Transunion. There is not a balance on the secured credit card. Unfortunately this reporting mistake has resulted in a lower credit score. I actually have {$620.00} of available credit ( my money Ive put on the secured credit card )XXXX XXXX  has incorrectly reported my available credit as a recurring debt. 

I have tried to communicate this with XXXX as well as Transunion and XXXX. Theyve asked me to file a dispute ; however, I already have another dispute in regards to a loan that has been paid in full, and I have been unable to file additional disputes. But my credit report errors are NOT occurring simultaneously but at different times. 

The only way I know about these errors is because Im paying for XXXX XXXX monitoring. 

Were trying to buy a house, and these errors are costing me money, time and frustration. 

Other than student loans I have no debt. I have {$70.00} in the bank. 

This credit rating system seems to be a joke.

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 2021-06-09
Company: Experian Information Solutions Inc.
State: IN
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:
These 3 time payment accounts need to be deleted for inaccuracy because the date of last activity is different on each bureau, payment history is incorrect, I was never late and I disputed this information over 30 days ago and it still doesnt show disputed by consumer!!!!!

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 2021-03-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I opened the HSBC Gold Credit Card in early XXXX to do a balance transfer as they were offering 0 % interest with no balance transfer fee if the BT was done within 60 days of the account opening. I was approved for a line of credit for {$8000.00}, and I authorized a balance transfer of the entire {$8000.00} on XX/XX/2021. At that time, I put the account on autopay for the minimum payment. I checked my account on XX/XX/2021, and HSBC charged me {$320.00} fee for the balance transfer. I called HSBC and was transferred several times, and representatives all refused to reverse the fee OR to reverse the balance transfer transaction. HSBC claims the 4 % fee was disclosed to me- which in all of the documents I reviewed no where did it state a 4 % fee. Additionally I completed balance transfer online, so had there been a fee to be charged, the system should NOT of let me balance transfer the entire line of credit, as now I am {$320.00} over my approved line of credit and subject to an over-limit fee. 

Finally when I claimed UDAAP and CFPB, they said that I could pay off the entire {$8000.00} and they would submit for a possible waiver of the fee. Supervisor XXXX stated that she can waive the fee only after full $ XXXX was paid. I authorized a check over the phone for the balance transfer amount ( reference # XXXX ). XXXX said she will waive the balance transfer fee and OVL fee after the payment posts. This is not acceptable they were not able to cancel the balance transfer fee or reverse the balance transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Capital One Platinum Master Card Account Ending in ... XXXX. Account closed by the creditor XX/XX/XXXX. 
XX/XX/XXXX Remaining balance of {$12.00} paid, a {$.00} credit remained on the account.

Payment Due Date XX/XX/XXXX.

XX/XX/XXXX account charged a {$6.00} finance charge, minus the {$.00} credit a remaining balance of {$5.00} remains. 
Called Capital One on XX/XX/XXXX to dispute this finance charge, was told I was responsible for the fee. 

Complaint : Closed account with a XXXX  balance continues to generate finance charges with the expectation that I need to pay each time. 

Please assist with the resolution of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: IN
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 have a XXXX secured credit card. They have erroneously reported a balance on the secured credit card to XXXX, Equifax and XXXX. There is not a balance on the secured credit card. Unfortunately this reporting mistake has resulted in a lower credit score. I actually have {$620.00} of available credit ( my money Ive put on the secured credit card ). XXXX has incorrectly reported my available credit as a recurring debt. 

I have tried to communicate this with XXXX as well as XXXX and Equifax. Theyve asked me to file a dispute ; however, I already have another dispute in regards to a loan that has been paid in full, and I have been unable to file additional disputes. But my credit report errors are NOT occurring simultaneously but at different times. 

The only way I know about these errors is because Im paying for XXXX XXXX monitoring. 

Were trying to buy a house, and these errors are costing me money, time and frustration. 

Other than student loans I have no debt. I have {$70.00} in the bank. 

This credit rating system seems to be a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: WA
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'm using my rights as a Consumer to dispute inaccurate information of my consumer report. XXXX XXXX is reporting a charged off on my consumer report with a balance of {$190.00}. This was a secured credit card and which I made a {$200.00} deposit to open the account. I never received my deposit back after closing the account and any balance should have been paid off to zero with my deposit and the remainder sent back to me. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 

You and your inaccurate reporting have damaged my livelihood. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something

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 2022-12-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] PHONE NUMBER XXXX [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ UNWANTED INFORMATION NEED REMOVED ASAP ]

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 2020-01-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Received a promotion addressed to me in XX/XX/2019 to open a TD Bank checking account and be credited {$300.00} if I met the direct deposit requirements. I met the requirements and called 4 times between XX/XX/XXXX and XX/XX/XXXX to find out why I hadn't been credited the promised {$300.00}. I got a different answer every time including being told in XX/XX/XXXX that I don't qualify for the promotion at all. I was told by a branch manager and a customer service representative just before XXXX  that they were contacting the back office on my behalf but I never received a response. I feel tricked into opening the account with the promise of a {$300.00} credit within 90 days of the XX/XX/XXXX account opening. Now I'm getting the run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Resurgent Capital Services is claiming I owe them for two debts they are currently reporting on my credit report. XXXX  XXXX XXXX Ref ID XXXX & XXXX XXXX XXXX ref I'd XXXX. The FDCPA entitled me the right to request these debts be validated, I sent two letters certified mailed and the information received did not validate the date in fact it looks unauthenticated. As if it was typed in house & not information provided by an allged credit card agency. This was the letter I sent requesting information they should have in house I also enclosed what they sent me which I can easily duplicate on a type writer. 
T0 : Resurgent Capital Services This is my 2nd attempt in trying to get the issues in my credit report resolved. I wrote you a letter in regards to two accounts you have listed in my credit report. 
1. LVNV Funding LLC # XXXX XXXX XXXX {$920.00} 2. LVNV Funding LLC # XXXX XXXX XXXX XXXX As a reply to my concerns I am just receiving template letters stating these accounts are verified. By law the information I am requesting I am entitled to if you can not provide this information these accounts need to be removed. The information I am requesting on the accounts are listed below. 
1. Original Contract with my signature 2. Pay off disclosure 3. Interest rate 4. Balance History 5. Payment History 6. Credit Insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2021, I received my FICO from Experian. According to Experian, my FICO score increased by 44 points. Reporting my score as XXXX. 
On XX/XX/2021, I applied for a personal loan with XXXX. XXXX pulled my credit score that XXXX. This reporting is inaccurate. This inaccurate reporting prevented me from receiving the best interest an APR. 

I would like to challenge this reporting. Find out why there is this huge disparity in reporting. I request that XXXX be provided with my updated FICO score.

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 2018-01-12
Company: Atlanticus Services Corporation
State: NJ
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:
on XX/XX/2017 I applied for XXXX XXXX credit card and I had hard inquiry on XXXX  which fine and normal then I found another hard inquiry for same company on XX/XX/2017 I did apply for the credit onetime and I got approved on XX/XX/2017 for credit line XXXX . I never apply again to get another hard inquiry for same credit card in few week after XX/XX/2017. its from XXXX XXXX for XXXX XXXX XXXX XXXX. thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took this interest loan at a time if need. The loan was scheduled for semi monthly payment until paid. On XXXX XXXX 2023 my account was erroneously drafted. This will not only cause overdraft fees that they say will be taken care of but also cost me a day of work that I will not be compensated for. Due to an online system calculation error the fee schedule listed an erroneous draft date out of sync with the pay schedule based on the last pay date entered into their system. My cell phone will be disconnected because the funds are not in my account for me to pay it. This is causing me hardships they will not cover.

Company response to consumer: Untimely response