BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-17
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:
FTC Violations OCC Assesses {$60.00} XXXX Penalty Against XXXX XXXX, Orders Bank to Reimburse Consumers for Unfair Billing Practices Leading Debt Collector Agrees to Pay Record {$2.00} XXXX to Settle FTC Charges XX/XX/2011 FOR RELEASE A leading debt collection company has agreed to pay a civil penalty of {$2.00} XXXX to settle Federal Trade Commission charges that its aggressive collection techniques violated federal law. As part of its efforts to protect consumers affected by the struggling economy, the FTC alleged that XXXX XXXX XXXX, XXXX violated the FTC Act and Fair Debt Collection Practices Act. 
XXXX XXXX {$910.00} XXXX  XXXX {$130.00} XXXX XXXX   XXXX XXXX late flexible spending card XXXX {$210.00} XXXX XXXX XXXX   {$540.00} XXXX XXXX {$510.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$340.00} XXXX Inquiries : XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Lending Club Corp
State: NY
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, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX : I went to XXXX 's and a secretary incorrectly filled out my insurance paperwork, when I had VA healthcare that had already paid for the situation I was there for ( XXXX from a previous VA XXXX coming undone ). 
XX/XX/XXXX : I then recieved ONE letter from Wakefield & Associates 5 months later, informing me of a 5 % interest rate price increase? I submitted a dispute through their website, and YEARS have gone by. I thought it was safe to assume the issue was resolved, considering this group hadn't made contact ; apparently it wasn't. 
XX/XX/XXXX : I noticed a new & backdated negative impact on my credit scores, which I removed within 3 hours, by submitting all the viable documentation I hold. I'm being charged a hidden made-up, ridiculously high interest rate, by this group, on something that was already paid for, and forged in my name. 
I am recieving no notices of the charges or any price increases, if any. A simple formula can help show people what they currently owe, yet their website is showing only a stationary number? Blatantly false information is being portrayed on their end. Why is their call center not readily available 24/7? How much do I currently owe ( according to them ), why do they not have an email set up? 
XX/XX/XXXX : I made a payment for the principle amount listed on their website and one letter I've recieved from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I sent my mother XXXX XXXX XXXX ( XXXX on one transaction and XXXX on another transaction ) on her cashapp account. She informed me that once she received the money it disappeared. I launched an investigation with my bank and they informed me that they received information from Cashapp stating that my mom received the funds however they could not disclose where the disappeared to. They shut down the access to my moms account and never provided them the information on where the money went. We've asked multiple of times and even tried to call, however they do not have it where we can call anyone. 

My cashapp is $ XXXX My mothers cashapp account is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2018-02-09
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I paid off $ XXXX in XXXX school loans in XX/XX/2017. There is no information on XXXX XXXX 's website about what happens when loans are paid in full. I received no paperwork from them concerning the loan status once they were paid off. 

I have been trying to find out when they close the account, because the credit bureaus are penalizing me because they are receiving no information on the state of my loans. I have called once and emailed twice. 

They should have policies about closing the account when loans are paid off. Their should be a deadline on their end for filing the necessary paperwork with me and the credit bureaus. When they wanted money from me, they were very quick to communicate. Now they have no problem stonewalling me when I need something from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a letter dated XX/XX/2020 informing me that my credit limit had been lowered from {$10000.00} to {$5000.00} due to not using enough of my credit limit. Then subsequently received 2 days later from Capital One that my credit score dropped 31 points! Looking up what lowers your credit score is credit limit decreases. I called and asked them to restore my credit limit in order to keep my credit score what it was previously and was told, " that is not possible. Capital One swept across the board with decreases for people who were not using their credit limit. '' Due to the Covid pandemic, I have not been able to travel or do much spending in order to stay home and stay safe. This is an unfair practice to have the ability to lower my credit score from  over 800 well below 800. 30 points is a lot! I hope something can be done about this! These companies have power over my credit score with me doing nothing to cause the change. If nothing can be done to raise my limit, I hope someone makes laws that make it so they don't have this control over my score without me doing anything! This is very upsetting and can cause my insurance to go up as well as raise the interest rate I would be able to get for other loans as well. This is detrimental to the public as a whole and especially to do this sweeping change during a pandemic is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 than records of convictions of crimes 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 non-monetary relief
Consumer complaint received 2021-01-30
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter stating I owe for a XXXX account I DO NOT have and I called and went into the store for XXXX and was told the account provided on the letter was NOT a XXXX account number. This is fraud and I had issue before someone tried to get a pay day loan in my name and I put a credit freeze on my report and filed a police report. I also received a letter someone tried to file unemployment in my name. This is ridiculous and not ok. I am filing a fraudulent report with the XXXX, YOu and the Federal trade commission. I work hard to keep my credit in good standing and this is WRONG. 
Someone need to do something about this company fraudulent claims. I also spoke to XXXX fraudulent department regarding this matter AFNI, Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX, alleged I owe on an alleged account with Comenity Bank. I responded with a debt validation notice, disputing the account and balance, and requesting documents from the original creditor, transfer of debt, and other information within thirty days, or to delete this account. My request was received, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX, did respond. However, no requested materials, or attached documents were provided whatsoever, only a statement from XXXX XXXX 's Disputes Department. On XX/XX/XXXX, I again reached out to XXXX XXXX, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/XXXX, stating their prior response was unsatisfactory, and again demanding materials. XXXX XXXX never responded. Please see the attached documents and receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX, a collection agency in Arizona named XXXX XXXX XXXX opened on my credit file with an original balance of {$1000.00}. In XX/XX/XXXX, this same collection agency, along with the original balance was included in my chapter XXXX bankruptcy filing with a plethora of other collection agencies. After my bankruptcy was discharged and completed in XX/XX/XXXX, that collection as well as, all the others weren't listed on my report anymore due to the bankruptcy. 2yrs later, on XX/XX/XXXX, this same collection agency reposted this collection onto my credit report, listing the original balance again of {$1000.00}. I received notice of that and I disputed it and reminded Experian that it was included in my Chapter XXXX from XX/XX/XXXX and it should not be allowed to be reposted to my credit file. Had they done their homework and a thorough investigation, they would have seen that the collection agency/balance that was on my credit file from XX/XX/XXXX, when it was originally opened, was part of my bankruptcy filing. The attorneys pulled my credit report when I filed, again in XX/XX/XXXX with all of my collections including this one. After I disputed with Experian, the collection agency was allowed to repost the same collection on XX/XX/XXXX, and the amount increased from {$1000.00} to {$1300.00}. Also, on XX/XX/XXXX the Dept of Education posted LOAN PAID And, the same day, Experian  decreased my credit points by 20 ... absolutely no reason for that. Something's wrong at Experian, please investigate. Incompetence shouldn't be allowed when dealing with consumer 's personal important affairs such as this. 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 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XX/XX/XXXX Went for a home loan pre-qualification and my credit report showed a serious delinquency on an account that i did not open. The account was opened under my name for a XXXX phone in XX/XX/XXXX and was sent to collections in XX/XX/XXXX for a sum of {$3500.00} but not to my address. I contacted XXXX on XX/XX/XXXX to discuss and found out that the billing address for the fraudulent account was in XXXX, NY ; I live in MA. I previously had a XXXX account which I had closed in XXXX when i switched to another provider. 

My credit report mispelled my name. ; using XXXX proper spelling is XXXX for first name.

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 2021-11-04
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I opened a dispute with US Bank Reliacard in XX/XX/XXXX after noticing many unauthorized transactions on my card account. These were transactions for XXXX XXXX as well as other online based transactions. I called and filed a dispute as soon as I noticed. I contacted the places of business and they gave me limited information and I was redirected back to contacting my bank. 
My dispute processed and I was given provisional credit for one unauthorized purchase only. Someone had used my card as well as other information to purchase an insurance policy from progressive. I filed a police report and also filed a report with the FTC after getting multiple alerts from credit agencies regarding my information being compromised. I also filed a police report. 
The dispute had been closed but was then reopened after I sent in the police report. After over 90 days and no provisional credit, my dispute was denied again. I contacted the XXXX XXXX XXXX and tried to get some resolution in my favor. US Bank did not give me any resolution and will not honor my dispute with these unauthorized transactions. I was also never given provisional credit after following the procedures required to be eligible. I received a letter in the mail which stated that they were denying the dispute. There was no explanation as to why this decision was made, even after requesting the information that they used to make this determination. I have wasted a lot of time on this matter and it has been extremely frustrating. I will escalate this to the appropriate parties until I get my money back that was stolen from my account. Thank you. 

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 2020-09-06
Company: John C. Heath, Attorney at Law, PLLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been a Lexington Law Customer since last year and have found their service to be misleading and fraudulent. I have paid Lexington Law for the removal of inaccurate accounts and had these same accounts removed, only to return back to my credit file less than two months later. Which defeats the purpose of paying monthly and also charges late fees if the invoice amount is not paid by the due date. Lexington Law charges a work fee the first days of stating services and then a week later charges the first month amount which can be from anywhere to over a $ XXXX XXXX depending on how many account has to be challenge of disputed. XXXX XXXX was deleted a few months ago and prior to that XXXX XXXX and both accounts have been listed back to my report. Which has the customer to start their entire case and payments back over again as if there was only a temporary deletion. I am requesting for a refund in the total amount of what was spent on this entire case since opened. A customer should not have to pay over and over again for the very same account that was deleted by a law firm. I have stopped paying Lexington Law and have nomore work being done on my case do having to pay again for the same accounts that are reappearing.Thats fraudulent and misleading. I am requesting for my funds to be credit back to my debit card that the payments were made. Starting from the time of the first payment to the very last payment in XX/XX/2020. I have many supporting documents that prove the account stated above was deleted after Lexington Law disputed and also when these account were listed back on my credit report. We are not paying services for temporary deletions and I will not recommend this Law Firm to anyone and I will also take further action on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Adler Wallach & Associates ( AWA ) placed a collection on my credit report for " XXXX XXXX ''. 
It is not mine, I've NEVER had any sort of XXXX XXXX account. 
I informed them that it was not my account and I disputed it through the credit bureaus but Adler Wallach & Associates refused to delete it from my XXXX  credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was aware of this fraud account on my credit XXXX of 2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

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 2021-10-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like to file a complaint against my mortgage company, Citizens One. I applied for a forebearance on XX/XX/XXXX and I was told the forebearance would end on XX/XX/XXXX. During this time I requested a loan modification in XX/XX/XXXX and I started making monthly payments towards my mortgage again. I have been making monthly payments for 10 months now and I have called Citizens One monthly to get an update on when my loan modification would be completed. I was not given answer and I was always told it would happen soon. Also, I have requested for a manager to call me so I could report my complaint and to get a definite date of when the loan modification will take place and I never received a call back. Recently, I called Citizens One on XX/XX/XXXX requesting a letter stating that my forebearance has ended and they have not sent me a letter. I have a FHA loan and I am trying to refinance my loan to take advantage of the low rates, but because Citizens One will not modify my loan I am stuck making higher payments. My goal is to get a FHA streamline refinance.

Company response to consumer: Closed with explanation