BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: Braviant Holdings, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020, I took out a payday loan for {$800.00}. I have taken out several loans in the past with this company and my employment and contact information has not changed including paydays ( XXXX and XXXX ) of each month. 

To date, I have made a total of 3 payments with 1 of the payments not being scheduled in order to help lower the finance fee. Here is the break down in payments. 
XX/XX/XXXX : {$190.00} XX/XX/XXXX : {$100.00} ( unscheduled ) XX/XX/XXXX : {$190.00} ( taken prior to my pay day of the XXXX ) this payment has caused an overdraft with my bank account. 

Due to the last payment on the XXXX, I requested to have my bank account removed to avoid me accumulating additional overdaft fees. I initially contacted a representative and was informed that the XXXX is what was listed on my loan. He not once looked into my account history to verify pay dates or tried to resolve the situation. I then emailed XXXX to explain the situation and their response was that my bank account has been removed and to make future payments on or before the due date. 

I believe they have made a few attempts to reach me via phone but due to my work schedule I have been unavailable for their calls. I recently emailed the company to notify them of the difficulty in communicating via phone. 

Moving forward to today, XX/XX/XXXX, I logged online to attempt to make a payment on my account and I was shocked to see that my account balance has increased to {$890.00} with the total pay off balance being {$910.00}. 

I have made a total of a {$500.00} payment towards an {$800.00} loan that was taken out on XX/XX/2020. And, my current balance is {$910.00} without any late fees to accumulate. 


I am in need of assistance in having this matter resolved as I am a single parent on a very limited income and can not afford to be taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Paypal Holdings, Inc
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Thanks for your response but I have total of {$150.00} that your Debit Card Disputes Dept. Still owes me on my account as well as {$5.00} from a merchant refund. Please understand that this money was asked to be released by the merchants back into my account. I need you deposit my funds into my balance to make transfer out to my debit card. I did nothing wrong for you to hold my money & request you release the account limitation today to access my funds and that the Back Office regard the letters sent to service.paypal.com that were sent with my Disputes. This matter is not resolved until all my funds are received. Please contact me at XXXX XXXX XXXX XXXX XXXX that these funds are recovered. Your office knew I was XXXX  and these funds were for my medical expenses they can not be on held 180 days I am XXXX. I need an executive response by phone to release and transfer my refunds owed today to my debit card like the agent allowed me to do on Monday. Please call soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX dated XX/XX/23 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe were reported in error. 


XXXXXXXX XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Due to financial difficulties and health problems, I was not able to make payment since XX/XX/XXXX. 
The monthly payment was XXXX XXXX XXXX principal and XXXX interest ) No escrow. 

My balance was XXXX on XX/XX/XXXX. 
I sold the house XX/XX/XXXX. ( 16 months later ) and it took them one week to come up with pay off amount. Finally the said it is XXXX That was XXXX interest, penalties and fees over 16 months. 
In other words, they charged me XXXX MONTH and I find this amount outrageous. 

Looking at the pay off letter, I notice they charged XXXX ESCROW. 

I have been calling them and they do not talk to me because I have a lawyer. 
When my lawyer called, they needed a letter from me authorizing my lawyer to talk to them. 
In the meantime, no money exchange is happening. I do not think the employees understand what they are doing because this can go on for years with their bureaucracy. 

I think this amount for escrow was plugged in by mistake and if we take that amount ( XXXX ) the pay off will make sense.. 

The escrow for XXXX was already accounted for in the closing paper.

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 2023-01-09
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: Account status incorrect

Complaint:
Good Will Letter was sent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, in 2022 in an effort to remove late payments from my account. I was sick with XXXX and fell behind due to not working at the time and they did not provide grace and remove late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I received the response from Capital One and it seems I was not clear enough, and that has caused confusion. That is my mistake and I will be more detailed this time. I did not mean to suggest that my original Capital One account was the one opened fraudulently. My original account ( opened 2012 ) was compromised. After someone gained access to the account, they changed the address for statements to an address in XXXX XXXX. They then obtained an additional card and began making fraudulent charges on my account. That is the information I am disputing. The charges that were made AFTER the billing address was changed and a new card was obtained. My only issue with the initial response is that Capital One states I never disputed ownership of the account. While I never explicitly said this account is not mine I absolutely disputed the validity of the account after it had become clear there was fraudulent activity. Again, to summarize, I am not saying I never opened this account. I am saying that it was compromised, and I should not be held responsible for fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX Account number : XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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

Company 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 2017-06-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I ha ve contacted   XXXX   XXXX   XXXX   in regards to an account listed on my credit report that I do not recognize. They are reporting to the   XXXX   major credit bureaus on behalf of Synchrony Bank. I have asked  XXXX  to  verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$1200.00}. I have never had an account with Synchrony Bank. I have sent them a dispute letter stating that if they can not verify this account, they need to remove the account from my credit report. They have sent  only 1 letter  saying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report 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 2020-09-10
Company: Self Financial Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XX/XX/2020 I opened a personal loan through self inc. I scheduled auto payments to be taken out of my acct every month so I would not miss a payment. I was then asked in XX/XX/2020 if I wanted to open a credit card with self with a limit of {$100.00}. I Signed up. Since the loan and credit card is linked I assumed that the credit card was also on auto payment. Fast forward to XX/XX/XXXX and I get an email stating that Im 60 days late. I called the customer service line and they stated its only on auto payment if the loan and credit card have the same due date. They said they emailed me on my payment due date. I did not receive notification as I checked my emails dating back to XXXX. I have since then set up auto pay and paid the credit card down to {$23.00}. When you go onto the self inc website it states Im on auto payment, I checked multiple times. It does not say loan is on auto payment not the credit card. So to conclude I was told the credit card was on auto payment which it wasnt, I was never notified that it was past due and when on the website it does not say it is NOT on auto payment. The consumer sees auto payment enables we assume they both are. Now I have a 60 day late so my credit score dropped from XXXX - XXXX. All for an activation fee that I thought was on auto payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. 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 2022-11-17
Company: OneMain Finance Corporation
State: MS
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:
YOU ARE BREAKING THE LAW!! It is illegal to furnish income on a consumer report! A charge-off, according to the IRS is defined as gross or ordinary income and income is not supposed to report on my consumer report! You HAVE NOT sent me a 1099C! 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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.I demand you remove the following information from my consumer reports immediately ; ONEMAIN opened XX/XX/2021 for {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
The credit reporting agencies are continuing to report inaccurate information on my credit file, accounts that are not mines, inwhich I'm holding them accountable for, for reporting un verified accounts. Accounts inwhich has not been physically verified by physical documentation but by electronic Verification alone, inwhich by law and as a general rule can not be accepted as proof .So I'm demanding that either these accounts be physical verified or block these accounts immediately. 

1 ) XXXX XXXX 2 ) XXXX/ XXXX XXXX 3 ) XXXX XXXX   4 ) XXXX XXXX 5 ) XXXX XXXX {$8800.00} 6 )  Dept of Education {$4500.00} 7 ) Dept of Education {$3500.00} 8 )  Dept of Education {$2200.00} 9 ) Dept of Education {$2100.00} 10 )  Dept of Education {$2000.00} 11 ) Dept of Education {$1700.00} 12 )  Dept of Education {$1700.00} 13 ) Dept of Education {$1300.00} 14 )  Dept of Education {$1000.00} 15 ) Dept of Education {$1000.00}

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 2023-01-09
Company: Experian Information Solutions Inc.
State: PR
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:
XXXX XXXX XXXX XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person 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 2023-02-15
Company: Collection Bureau of the Hudson Valley, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern, XX/XX/XXXX, I canceled service with XXXX. I moved out XX/XX/XXXX. 
My next statement period started XX/XX/XXXX ; they charged me for another month before cancelling my service. 
I called XXXX repeatedly and would talk with a supervisor who would look into my account and say, " this is a mistake and you do not owe the money ''. 
I wrote XXXX XXXX XXXX an email and by mail ( Dispute # XXXX I never received a reply. 

I then received a notice from CBHV a collection agency reference # XXXX. 
I again sent them a dispute request along with the original note sent to XXXX and never received a reply. This was mailed XX/XX/XXXX. I never received a reply. 

On Monday XX/XX/XXXX, I received a call from another collection agency Convergent at my place of employment. I am extremely upset that they are calling me at work for a debt I do not owe. 
I received on XXXX XXXX I received a notice in the mail from XXXX trying to collect the debt. I again will send out another dispute this time certified mail. 

This is all for {$75.00} I do not owe this money and have repeatedly tried to dispute this. 
I am extremely distraught that they are calling my place of employment. 

If there is anything you can do to help me settle this I would appreciate it. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. XXXX is using XXXX XXXX XXXX to collect money I don't owe, XXXX XXXX XXXX used XXXX XXXX XXXX services to collect debt as well. I don't owe any debt to any company and/or Collection agency and false information was reported to XXXX. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my XXXX  credit history and legal actions will be taken. I have prove of what I said above about XXXX  NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. Please note, debt is being disputed and for more information I'm attaching needed documentation. XXXX XXXX XXXX haven't had any kind of communication with me, please respond or lawsuit will start right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2018-07-20
Company: American Credit Acceptance, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
A auto loan was established in my name by someone who stole my identity. File identity theft report through the FTC and sent documentation along with a request to remove all liability of this loan from my name. American Credit Acceptance continues to verify this account with the credit bureaus knowing that it is identity related. This is a violation of my rights as a consumer under the ID theft Victim rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation