BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-13
Company: Regional Management Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In Regards to ACCOUNT # : XXXX. 

This company is reporting inaccurate information to the credit bureau XXXX I have reached out several times to get this matter resolved with the creditor itself. I was informed yesterday that I needed to dispute the information with the credit bureau rather than the creditor because the creditor didn't have time to update all of the customers accounts with this issue as they have cut ties with XXXX as of XX/XX/XXXX. I have tried disputing this information with the branch several times prior to XX/XX/XXXX contact with the branch. 

According to the FCRA the creditor is to report accurate information to the credit bureau if they report misleading information then it violates the FCRA. Granted if the creditor stopped using XXXX as a reporting agency it should have deleted all customer tradeline 's from that Bureau. Not advise the customer that it is there responsibility to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, Original Creditor, 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 2021-06-03
Company: SYNCHRONY FINANCIAL
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 am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team again was incredibly rude and unprofessional, making it impossible to correct errors on the servicing side. It was too the point I deemed it XXXX and employees sabotaged the servicing of my account thereafter. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and XXXX complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. Please remove this unlawful debt that is still showing on all my credit reports. XXXX, XXXX XXXX XXXX  should all be notified to remove this uncollectible, invalid debt. We will sue civilly if this problem isnt immediately remedied. Thank you.

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 2020-07-02
Company: Experian Information Solutions Inc.
State: TX
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:
FCRA Violations XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX, XXXX. 
United States XXXX XXXX, XXXX. XXXX XXXX 
XX/XX/XXXX 259 F. Supp. 3d 75 ( S.D.N.Y. 2016 ) On XX/XX/XXXX, XXXX opened an in-store credit account with XXXX. SAC 9, 12. XXXX claims XXXX made unlawful disclosures to her with respect to the fees for ( 1 ) payments returned by the consumer 's financial institution, and ( 2 ) late payments. The Court describes, in turn, the bases for these two claims.

1. Failure to Properly Disclose the Fees for Returned Payments XXXX 's account-opening disclosure contained a table summarizing key account terms ( the " Schumer Box '' ) and a more detailed explanation of the account terms ( the " Cardholder Agreement '' ). Id. 13 ; see Dkt. 24 ( " Def. Br. '' ) at 9. The Schumer Box disclosed that the fee for " Returned Payments '' was " {$25.00}. '' SAC 14. The Cardholder Agreement also disclosed that the fee for payments returned by the consumer 's financial institution was {$25.00}. Id. 15. 
XXXX {$18000.00} report lates in XX/XX/XXXX, not accurate reported to the company, still on my credit bureau. Please remove, thank you. 
Inquiries : XXXX XXXX XXXX XXXX XXXX Ser XXXX XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX et al XXXX XXXX ) Courts > XXXX  XXXX XXXX XXXX Filed : XX/XX/XXXX Judge : XXXX XXXX XXXX XXXX XXXX Suit : Other Statutes - Consumer Credit Cause : 15:1681 Fair Credit Reporting Act Parties Matched : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Retail XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. et al ( XXXX ) Courts > XXXX District Court Filed : XX/XX/XXXX Judge : XXXX F XXXX XXXX XXXX Nature of Suit : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act XXXXXXXX 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 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX 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 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 then records of convictions of crimes which antedates the report by more then 7 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 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 2019-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Bank of America charging me annual fee after I closed my account with them in year 2014. Approx 6 months ago I applied for a land mortgage loan through XXXX XXXX, XXXX Mississippi. They ran credit report on me for the loan. I received information on the credit report that I own Bank of America {$69.00} for annual fee after I had paid up my account and closed the account. So, I called them about what was showing on my credit report ... the rep on the phone from Bank of America look up the information and saw where I had closed the account and information about the annual fee. After going over the information the rep from Bank of America stated that she would remove this in formation and wave the XXXX. 
I just applied for another loan with XXXX XXXX XXXX XXXX and they ran a credit report and found that Bank of America still had not removed the annual fee. So, I again called them to question why its not been removed and rep said that it can not be removed until I paid {$69.00} annual fee. I explained to the rep that I had called approx 6 months ago and it was suppose to be removed she said there was no record of this request ... so out frustration I paid the {$69.00}. I recently when to my XXXX XXXX XXXX XXXX account site and view my FICO score and show that it lower my FICO score 20 points this is unacceptable. I don't understand this problem especially after I paid my credit card off and closed the 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 monetary relief
Consumer complaint received 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020, My Capital One credit card and XXXX XXXX debit card were used at a XXXX XXXX  store without my knowledge. I received texts from both card companies ( XXXX XXXX and Capitol One ) with suspicious activity. My XXXX XXXX card was used 3 times, and the Capitol one Card was used twice in the same day at the same store. 

I didn't know at the time but my card was stolen, and so as soon as I got the alerts from both companies via text, I replied to the texts sent from each, that I did not make the purchases. My Capital One card was cancelled, and they sent me a new one. The chargers were refunded. 
XXXX XXXX accepted the 3 charges as fraudulent. The charges were canceled and refunded No further action was needed. 

On XX/XX/XXXX Capital One added the 2 charges back on to my account, and said after their " honest and thorough investigation '' it was found that the card was not stolen, and I had used the card. I tried to explain again that two different cards were charged 5 times in one day at the same place, and that Capital One themselves alerted me to the suspicious activity. I asked how they came to this conclusion and they would not explain. 

My complaint is not so much that I have to pay, but that Capital One advertises how important their Fraud protection is. I did everything they asked of me, I replied NO to the text, I called the company right away to report it, and I cancelled the card. I am a loyal customer with more than one account with the company, I pay my cards on time, and I expect more from them. I am very disappointed, and in this economic time every bit counts. I am frustrated that I should have to pay for this, and that the company did not live up to its bold statements of protecting its customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Texas XXXX Amount Due : XXXX Account XXXX Letters sent with Certified mail receipts in which there was no response : XXXX / /XXXX , Transunion , XXXX , asking XXXX to produce documents XXXX / /XXXX, Transunion, XXXX, asking XXXX to produce documents XXXX //XXXX, Transunion, XXXX, asking XXXX to produce documents XXXX /XXXX, Transunion, XXXX , asking XXXX to produce documents E-mails and phone calls made to XXXX from XX/XX/XXXX to XX/XX/XXXX no response. 
E-mail with return receipt to certify that the credit manager read the e-mail, stated that if I don't hear back from you by the end of the business day this debt is considered resolved and null and void. 
I gave XXXX two business days and they still do not respond, by virtue of the correspondence they have accepted the terms of the e-mail.

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 2020-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My wife has been diagnosed XXXX  XXXX, and I have taken steps to limit her access to funds, as XXXX XXXX is a symptom of the illness. 

We had two Capital One accounts together, ending in XXXX and XXXX respectively. I called Capital One and asked them to close the accounts because I knew my wife did not have the financial means to pay them, yet she would continue to use them. They told me the only way the accounts could be closed is if the balances were paid in full. I paid them both off in full. I was told at that time the accounts would not be reopened. 

However, my wife called them and reopened the accounts, and proceeded to use them to their limit without my knowledge, initially. Once I found out, I started making payments on them to the extent I could, and did not miss a payment until XX/XX/2019, because I was out of town. I got two 30 day lates on my account during XXXX. 

I called Cap One and inquired, and they told me that the accounts should not have been reopened, per their policy. ( the policy is on this website ) : https : //www.capitalone.com/support-center/credit-cards/close-account They admitted their error and closed the accounts AGAIN. 

However, I did everything I was supposed to do, yet their employees did not act in accordance with their stated policies, and reopened the accounts. My wife, in her heightened state, is very persuasive, but if Cap One had acted in accordance with their stated policy I wouldn't have had a balance after I paid the accounts off, and I wouldn't have late payments on my credit record. 

I am asking that the late payments be removed, and that the balances owed be erased, because the accounts were reopened without the company doing their due diligence in the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been making on time payments with XXXX XXXX and it showing on all three bureaus XXXX, equifax and XXXX  credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to XXXX twice this year, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Bank of America, or those working on behalf of, for the interest of, or for the banks benefit, accessed my credit reports at a time when the bank claimed there was no existing relationship between myself and the bank between XX/XX/XXXX through XX/XX/XXXX and beyond. 

In addition to improper inquiries, sharing of information obtained from and through accessing credit reports for purposes that aren't allowed by law, I've had my personal, financial and private information grossly compromised due to such conduct and behavior.

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 2018-05-08
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX applied for a modification package a year and a half ago and PHH mortgage services is tell me I no longer qualify for modification because they found a title issue. I talked to several ppl from over seas and couldn't find out what was the issue was until 3 days before XXXX. I went to the state department several times trying to figure out whats was going on. I finally found out from one of PHh representatives that USDA had a hold on that was never turned in to XXXX county but there was no liens or 2nd mortgage on the property. PHh sent me a package and asked me to reapply which I did and now the are threading to foreclose on my property or pay PHh XXXX dollars when the set my payments at the trial for XXXX dollars and every time I called PHH the would tell me they are merging and just continue making payments. I never heard from my case manager XXXX XXXX until last Friday and he stated that he has over 100 cases and he cant talk to everybody and his phone line is not working. PHH is a fraud and they are trying to take a lot of people homes. Please go on PHH reviews and you will see the are a fraud. 
XXXX XXXX XXXX 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 2021-06-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have additional documents to upload for my previous complaint with wells fargo,, I was treated unfairly and poorly over and over again they promised me they would not close my account. All the calls are recorded and monitored all the specialist in the executive office told me they were giving me a permanent provisional credit on the cancelled airline ticket that I had purchased and cancelled they told me that I would have no problems they lied to me and wrongfully and unethically closed my account after they did a full investigation they put funds in my account then went behind my back and took the money out my account again after they gave there word to not worry and that every thing would be okay, later they come with a crazy excuse that I have to take it up with XXXX they were totally harassing my integrity my human being and my mental state I want justice on this matter I have been calling wells Fargo for justice for 2years on this matter I have called over dozens of times, some of the agents have hang up on me and then some of them have email me telling me they will help me resolve this matter and to this day no one has called to help me on this. No help was done they will type emails send letters promising to help, promising a resolution for months then months turned into 2 years and not giving one it is abuse this company has mentally and emotionally abuse me since XXXX  I been facing abuse and unfair treatment

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 2020-11-15
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XX/XX/2020 AMEX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: The Stark Collection Agency, Inc.
State: IA
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 disputing accounts reported by The Starks Collection Agency INC ; Account XXXX {$460.00} and Account XXXX. Certain transactions on both accounts were not authorized as well as duplicate charges for a hotel reservation. I contacted the original creditor XXXX XXXX XXXX about these transactions. XXXX failed to dispute those transactions and closed the account and sent these two accounts to The Stark Collection Agency , Inc . I demand verification of debt. These two accounts were reported on my credit files on XX/XX/XXXX while these two accounts were still open and active. I received letter from The Stark Collection Agency INC that was forwarded through the postal service XX/XX/XXXX. The letter was dated XX/XX/XXXX with the default date of XX/XX/XXXX. In the letter The Stark Collection Agency , Inc. stated This account may be reported to a Credit Bureau but no sooner than 90 days. That statement was FALSE as they reported to the credit bureaus on XX/XX/XXXX. Their letter was dated XX/XX/XXXX. Accounts XXXX and XXXX were closed by XXXX XXXX XXXX the second week of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 disputing accounts reported by XXXX XXXX XXXX XXXX XXXX ; Account XXXX {$460.00} and Account XXXX. Certain transactions on both accounts were not authorized as well as duplicate charges for a hotel reservation. I contacted the original creditor XXXX XXXX XXXX about these transactions. XXXX failed to dispute those transactions and closed the account and sent these two accounts to XXXX XXXX XXXX XXXX , XXXX . I demand verification of debt. These two accounts were reported on my credit files on XX/XX/XXXX while these two accounts were still open and active. I received letter from XXXX  XXXX XXXX XXXX XXXX that was forwarded through the postal service XX/XX/XXXX. The letter was dated XX/XX/XXXX with the default date of XXXX XXXX. In the letter XXXX XXXX XXXX XXXX XXXX XXXX stated This account may be reported to a Credit Bureau but no sooner than 90 days. That statement was FALSE as they reported to the credit bureaus on XX/XX/XXXX. Their letter was dated XX/XX/XXXX. Accounts XXXX and XXXX were closed by XXXX XXXX XXXX the second week of XX/XX/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