BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: Revco Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It says that I owe money for the month of XX/XX/ I Owe a Final Bill Of XXXX $ Which my bill was never that much as well as I had a payment plan that I payed every month to ensure my bills were lowered. I moved out in XXXX and gave them card information to a bill.thats was of {$86.00} and I gave them my new mailing address to forward any additional information they had failed to send me any additional information proving that I owed money as well as just added it to the credit bureaus. After receiving the debt, I asked them for additional information from the electric company they had told me it was too late, and that I would have to receive all billing information from the debt collector. The debt collector had failed to show me any previous billing that showed why I owe {$300.00} also said they couldnt not provide because they didnt have it I have gave meter readings which I gave you final bill reading on XXXX XXXX I have meters inside my house so I have to give them the numbers to get an accurate reading an accurate price. It was up to the electric company to send me my final billing notice. They had this information because they had sent me a late letter months after I was already sent to the credit bureau. As well as telling me My final bill was XXXX $ on XX/XX/. I feel this is unfair and that I should have proof of why I should be paying this amount. If they can not provide additional information on why I owe {$300.00} and I dont see that I should be fit to pay the full amount or any amount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: CA
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: UMB FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX of 2022 a check that I wrote on my XXXX account for {$1100.00} and had made payable to XXXX XXXX was " washed ''. The Pay To line was replaced from XXXX XXXX to XXXX XXXX and the check for {$1100.00} was cashed and the funds taken out of my account. As soon as I realized what happened I alerted XXXX, who handle my checking account using UMB ( United Missouri Bank ). They assigned me a case number and gave me 14 days to send them supporting documentation which I did. The letter I received from them stated that the bank they use for the checking account United Missouri Bank had 120 business days to investigate. We are now long past that and neither XXXX nor UMB will assist me in resolving this matter. The last time I called my XXXX account rep ( because I do not have a UMB rep or number ) in XXXX I was told not to bother them about this. I do not know who XXXX XXXX is and you can clearly see on the check that I had the XXXX  XXXX account number written on the bottom as a reference and also you can see that my handwriting does not match XXXX XXXX ' handwriting. This is theft and or fraud and XXXX and UMB are not willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and I have tried to remove these accounts from my credit reports. I have filed the correct paperwork and nothing has happened. I have asked for copies of the process per the FRCA and still nothing has happened. My paperwork is not being attached to my disputes

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 2023-10-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit 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 have a interest free card with Wells Fargo bank. To avoid interest being charged I was required to pay in full within a 12 month period. I made 2 payments to wells Fargo via bank to bank online banking both payments were to total balance due. One payment was in the amount of XXXX check XXXX on XX/XX/2023. Check XXXX for XXXX on XX/XX/2023 full paid the credit used within the 12 month period. I secured from XXXXXXXX XXXX the tracking Numbers for each check, I also have copies of checks submitted to and cashed by Wells Fargo, This information was given to Wells Fargo several times. An employee in a phone call on XX/XX/2023 located the missing payment, stated could correct in 30 days. That didn't happen. Wells Fargo has reported my account delinquent causing my credit score to drop XXXX points. They have charged me interest and late fees which are not due. All I ask is they find my payment, correct my account to the balance due, fix the damage done to my credit. They have sent letters requesting more time to find payment. No updates provided to me, you should have not damaged my credit until you resolve the issue of misapplied payment.

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 monetary relief
Consumer complaint received 2023-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I went to pay my monthly bill and the amounts offered were total balance and instead of having the last statement balance ( as had always been offered before ) there was a new amount offered. It was {$20.00} less than my last statement balance. ( This is the payment amount that would have been made had I not made a payment to prevent a late fee ). This is a change that is deceptive and meant to intentionally cause the customer to under pay and incur an interest charge. I had always paid the last statement balance offered on the bill paying platform and then cancelled the automatic payment. 
The new paying format offers the amount on the last statement balance minus the automatic payment. This caused my last statement to be under paid by {$20.00} and an interest charge of {$16.00}. 
This is a deceptive change and it caused me to incur an interest charge that I should not have been charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-16
Company: My Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I have worked with an unlicensed loan officer from mymortgageinc based out of Maryland. Their XXXX  is XXXX. Id like report a XXXX XXXX who has helped me with this process, she said she was licensed and quoted me rates and terms. I have recently found out she doesnt even have legal documentation to be in this country. She changed rates for me last minute violating my trust.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The company in question is XXXX, owned by PayPal. 

On XX/XX/2018, at appoximately XXXX XXXX, I was notified my XXXX  account had received {$1700.00} from friend of mine. I immediately initiated the funds transfer ( using XXXX mobile app ) to my credit union account. Per the XXXX  website, funds are usually available the next busness day. It is now a business day and a half later and I STILL have not received my money. I called XXXX  and they informed me sometimes these transactions can take 3 ( or more ) business days. What? Why the delay? This is unaccepatble, given that I had completed an almost identical transation ( same individual, same accounts, same days ) like this last month and it took 1 day. There is no rhyme or reason why this transaction should take longer than that one did, other than I believe XXXX  is " holding my money hostage '' to earn interest from it. They pull this same kind of stunt at PayPal and I have to wonder why PayPal ( who owns XXXX ) hides under the XXXX name when the two companies provide like services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 CONSTANTLY CHECK MY CREDIT REPORT AND NOTICED THAT THE ERRORS AND FALSE MISLEADING INFORMATION FOR INDIVIDUAL ACCOUNTS DIDNT QUITE MEET THE CREDIT REPORTING STANDARDS OF BEING 100 % CORRECT. THIS HAS DAMAGED ME AND HELD ME BACK FOR SOME TIME. I'M NOW DEMANDING THE CFPB TO ENFORCE THE CORRECTION AND OR DELETION OF THESE ITEMS. 1.XXXX XXXX XXXX BALANCE {$1200.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 2. XXXX XXXX XXXX BALANCE {$1800.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 3. XXXX XXXX XXXX BALANCE {$1400.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 4. XXXX XXXX XXXX BALANCE {$1000.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 5. XXXX XXXX XXXX BALANCE {$1200.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 6. XXXX XXXX BALANCE {$1400.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 7. XXXX XXXX BALANCE {$710.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 8. XXXX XXXX XXXX BALANCE {$990.00} BALANCE UPDATED XX/XX/2023. UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. 9. XXXX XXXX XXXX BALANCE {$400.00} BALANCE UPDATED XX/XX/2023 UNDER 15 US CODE 1681a ( 3 ) THIS MEDICAL COLLECTION IS IN VIOLATION AND CAN'T BE ON MY CREDIT REPORT. ALSO AMOUNTS UNDER {$500.00} ARE NOT ALLOWED TO BE REPORTED ON CREDIT REPORTS.

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 2021-02-18
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent two debt validation letters to United Revenue corporation requesting the pertinent information to validate that the debt is mine for 6 different accounts that is with their office. Both times they failed to validate the debt and NO HIPPA authorization form was provided in either of their poorly written letters back to me. This business violated my health information privacy rights and committed another violation of my privacy by not providing me this information and having my actual health records on file. I am aware HIPPA allows limited information however, this company has direct medical information from the medical providers. They have failed to provide any type of two additional accounts on my credit one for the amount of {$950.00} and another for {$480.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX has my loan for our car that was totaled in XX/XX/2019. My insurance company and I have been calling weekly over the last two months attempting to get a letter of guarantee to get the loan paid off. XXXX has changed their story every time we call. I was told the letter was sent back in XXXX then it was they needed additional information from the Insurance company which was received on XX/XX/XXXX. Then it was they had the wrong fax number then it was the letter was never created as the total loss department is backed up. Then last week i was told that the total loss department is caught up but mine was overlooked. They can't communication with the Total loss department other than email. There is no way to call them. I have called 1-2 times a week and keep being told i have to wait there is nothing they can do. Multiple emails have been sent by my insurance company and the customer service team to this total loss team, but yet not one of them have been responded too. My husband and I both work and have a XXXX XXXX XXXX. We need 2 cars, we have had a hard time getting another loan as this one is still reflecting on our credit report over 2 months after it's been totaled. We had to get a loan for a new car with a higher than we ever had interest rate and we can't afford to pay three car payments. So now this loan is behind and they are reporting it to our credit when it should have been paid off over two months ago but we are waiting on them. I talked to two supervisors over the phone with customer service who keep telling me i'm XXXX there is nothing they can do as they can only email the total loss team. The stress and time i have put into this totaled car over the last three months is ridiculous. How can a company 's only contact with a department be by email? XXXX is gaining interest and fee on this account by not allowing us to pay it off. But yet i have to continue to take time out of my already busy schedule to call and get told that i have to wait longer. I have been waiting long enough! All the insurance company needs is the letter of guarantee and this loan could be 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 2021-12-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, i was taken advantage of due to mal practice while several laws were being broken by FCRA by your company and have been having financial difficulties unable to get approved for any credit cards or loans and have been majorly impacted by the misleading report from the credit bueraus.This has effected my abilty to obtain any credit and even get a job.

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 2018-12-22
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This states that it is a Medical Collection Debt. My co-pays for a doctors office visit are {$40.00} flat which covers all services provided. For an Emergency Room Visit my copays are a FLAT {$75.00} ... So the 2 debts this company are trying to collect are either not mine, simply wrong, or the result of balance billing which XXXX does NOT ALLOW ... The other problem with these debts are one is for {$210.00} and the other is for {$100.00}, i'm not a rocket scientist but I do know neither of those amounts add up to {$75.00} nor {$40.00}. My Medicare Policy is for people with certain conditions only and pays much better than the average medicare policy. I can only assume they are trying to collect way more than allowed by XXXX. I will be glad to forward a single visit, which has been broken down to multiple charges to XXXX  and have them speak with the provider to clear this matter up. Unfortunately this may also result in a fine from XXXX  for Balance Billing! It needs to be removed completely.

Dates of Service XX/XX/2016 XXXX  Medical Center Act # s XXXX  and XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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

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 2023-12-05
Company: EQUIFAX, INC.
State: TX
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accountsas unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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 non-monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: MD
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Bread Financial Holdings, Inc.
State: WV
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 to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B 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 2021-12-16
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: Investigation took more than 30 days

Complaint:
Hello, i was taken advantage of due to mal practice while several laws were being broken by FCRA by your company and have been having financial difficulties unable to get approved for any credit cards or loans and have been majorly impacted by the misleading report from the credit bueraus.This has effected my abilty to obtain any credit and even get a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This company has repeatedly ignored my request for this account to be removed or updated from my report based on the inaccuracies they're reporting. There is not just one but multiple inaccuracies across all three credit bureaus, which include high balance, date of last activity, date opened, and date of last payment. According to the FCRA all information contained in my credit report should report exactly the same, however, it is not.

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