BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LJ Ross is collecting on the behalf of XXXX XXXX  for a debt I do not owe.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or 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 non-monetary relief
Consumer complaint received 2020-02-27
Company: Netspend Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX Mr. XXXX was hospitalized out of state from his home town due to a severe fall. Mr. XXXX remained hospitalized and in-house rehab until XX/XX/XXXX. During the time of being confined to the hospital his job and other businesses had continue to deposit funds to his Netspend All-Access prepaid debit card. Those funds was stolen from Mr.Coats accounts. 
Mr. XXXX filed a dispute with Netspend Dispute department and included the discharge summary from the hospital, a police report, Federal Trade Commission report, Netspend Unauthorized Dispute document and other relevant information. The dispute department closed the claim due to no error found on XX/XX/XXXX. The dispute department reason of account closure is as follow The PIN transactions being disputed are consistent with your previous account activity, such as the merchants shopped and their physical locations. Additionally, our records show that the PIN was not changed prior to the period of unauthorized usage. 

We are certain that the card was compromised by a possible relative or associate that lived in the same area and was knowledgeable of Mr.XXXX  whereabouts, So it likely that the card was utilize at the same merchants where Mr. XXXX previously shopped but that shouldnt disqualify the charges from being unauthorized. 

Mr.XXXX  is requesting the claim investigation to be reopened and he receive his provisional credit as scheduled by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a credit card with Discover bank in XXXX. Up until late XXXX, I was a great customer and never late on my payments. In late XXXX, I became XXXX and endured a very complicated XXXX. During that time up until late fall of XXXX, I was unable work and I did not have any income. This resulted in my becoming delinquent on my payments. I regained employment in XXXX, and in XXXX XXXX I spoke with Discover and settled the balance owed. The terms of the settlement included that I would pay 1 lump sum payment and Discover would update the account to the status as paid in full or delete the account from my credit in its entirety. I specifically requested for the account to not have the coding of settled and that all negative reporting be deleted, so that my credit can be restored at maximum opportunity. I have been going back and forth with Discover for 2months and I have not received any responses. Additionally, the account still reflects a charge off balance and shows settled. This is not what we agreed upon. I feel as if Discover has taken advantage of me. I paid what they asked for me to pay and they completely disregarded the agreement that we had in terms of settling the account. 
I want this account either deleted or update as paid in full with all negative reporting removed. Also, I want those phone conversations reviewed, because I am most certain that they agreed to the terms that I have stated. I have also attached proof of where my account is still referencing charge off and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-11
Company: Bread Financial Holdings, Inc.
State: MI
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:
I paid the balance on my credit card late. ( I thought it was due on the XXXX ( XXXX ) but it was due on the XXXX. ( {$84.00} ) When I went to payed it off I selected pay the entire balance but it didn't say that I had a late fee ( {$30.00} ) or of course I would've payed it then. I already made an account when I payed the balance off but it wasn't working. I called them and I had to make another account. I paid the late fee and was told I would be charged another late fee because I only paid off the balance and not the first late fee when it didn't show up on my statement online. I explain this to the customer service representative and explained that I would not pay another late fee and she told me oh well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-26
Company: National Enterprise Systems, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Every day for at least the past 7 months I come home to a voicemail message looking for a person who does not live here. I recently called back the number and told them that person did not live here and to stop calling and take my number off their list. The calls have continued nonstop. When I reached them they gave me another name -- still someone who doesn't live here. I'm just sick of it!

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 2021-04-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
i've been paying off a credit card slowly because that product they provided broke and ripped and i told them and they provided me no credit so i still have to pay off this card. i'm getting angry, so i refused to pay, and they will not stop calling me today it's sunday by the way. they called me at XXXX - XXXX and XXXX already and it's XXXX XXXX  XXXX on sunday XX/XX/XXXX. they did this every day two months ago 10 times a day for a month and i endured it but i've had ENOUGH. this is HARRASMENT, once a day is fine but 10 times for two months? 

for the love of XXXX there name is comenity bank, victoria 's secret. they are harassing me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18
Company: ALLY FINANCIAL INC.
State: LA
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 ; This creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a personal account under an open and consumer credit plan as late for any purpose. 

Ally Financial XX/XX/2023 Reported 30 days late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have Student Loans from Nelnet when I was attending XXXX College in XX/XX/XXXX to XX/XX/XXXX in XXXX, OR. My monthly payments was approximately {$500.00} a month. My loan started off with {$35000.00} and now it has increased to {$46000.00} from all the interest and late payments I been struggling to pay. I have recently fell in a financial hardship and it has been difficult to continue to pay the loan even though I entered into forbearance. I have also recieved an email about XXXX college being sued for false marketing and advertising. It mentioned they were going to try to remove anything that negatively affected my credit report and I am not required to make any other payments. I am still being billed for the interest on the loan. XXXX College In XXXX shut down and I am not able to contact the campus as they failed their students on their promises before enrolling. I have already communicated with the lender and FASFA and I have not recieved a response and it's been longer than 60 days. I was young and did not have a lot of knowledge on schools, loans, and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to the invasion of individual privacy and rights.

This Consumer Complaint is against Optimum Outcomes , Inc. for it's violations of the Fair Debt Collection Practices Act ( FDCPA ) against ( me ) XXXX XXXX XXXX. 

I XXXX XXXX XXXX was never afforded the opportunity to dispute this alleged debt, in violation of 15 U.S.C. 1692g ( b ) which is provided to me by law. See. 15 U.S.C. 1692g.

No Notice of Debt was ever received by ( me ) XXXX XXXX XXXX in violation of 15 U.S.C. 1692g ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
2015 federal loans were taken in out my name from XXXX XXXX college, 2 loans totaling {$3500.00} with taxes, fees and interest. I never received any money or loans from this institute or school. Contacted XXXX XXXX, XXXX, MI and customer service ( which has my SSN # ) about the fraud. I sent in affidavits to verify theft and have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
All old addresses and wrong names and inquiries need to be removed from all three credit agencies. The client 's credit letter must be uploaded when the complaint is made to show that the client 's dispute letter was sent out and that it is over 30 days. It's still reporting on the client 's credit report and needs to be removed immediately for inaccurate information. 



This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, There are accounts that are reporting on my credit profile as open accounts on some credit agencies and in collections, on others, another wrong last reporting date due to inaccurate information across different platforms has caused me hard issues. 


1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

Sincerely, 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 2018-12-05
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: Information belongs to someone else

Complaint:
There was nothing to explain further. I have been sending letters to Equifax for months now and I have repeated myself over and over again. 
I have never filed a bankruptcy all my life, this is not mine..I asked for evidence but they failed to supply..CFPB delete Bankruptcy : Discharged CH-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I received a message that my payment to XXXX XXXX XXXX was declined by Bank of America and I decided to call the bank 's customer service to check the problem and I was informed the Bank will close all my accounts and also one account that is not my but my former employer will also be closed. They did not send a prior advice or notice. They do not say any reason for it. I'm not working since XXXX due I had to leave for a treatment of a XXXX ( level XXXX ), after I receive a diagnostic from my doctor in XXXX, that it had XXXX to my XXXX, XXXX and XXXX. I need to know why they are doing it in a such bad time for me. It is supposed to have a solution or a letter if they need any additional information from myself and I received none. Besides I'm feeling bad about my health condition, I have to deal with a situation like this one, been unfairly treated by this bank.

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 2017-09-28
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The public record / lien that was recorded ( Ref. # XXXX ) does not comply with the rules set forth in the National Consumer Assistance Plan that states that liens must have a full name, address, FULL social security number, and/or date of birth to be included on a credit file. The lien and subsequent lien release recorded does not include all of the required information to be included on my credit report. 

The public record / lien ( Ref. # XXXX ) should not have been filed against me or included in my credit report, as I did not owe the State of Oregon personal income tax for the period ending XXXX XXXX 2014. I received a personal income tax refund of {$180.00} from the State of Oregon for the year 2014. While the lien has been released, State of Oregon does not do lien withdrawals and is on my credit report.
I have included attachments regarding the liens and tax summary for 2014.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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:
I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. Kindly assist me to remove these following fraud items : XXXX XXXX XXXX , XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX Balance : {$59.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX , XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; Original Creditor XXXX XXXX XXXX XXXX Balance {$2000.00} ; XXXX  XXXX XXXX XXXX Balance {$660.00} ; Original Creditor XXXX XXXX XXXX XXXX Balance {$130.00} ; XXXX, TX, undefined ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$130.00} ; XXXX XXXX Balance : {$1600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It appears that my credit file has been compromised when I sent Bureaus Letter last XX/XX/XXXX, XXXXAgain, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong tome. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00XXXX XXXX XXXXXX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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