BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX  I started continuing my education at XXXX XXXX. My student loans were and are 100 % paid by grants. As of XXXXXXXX  my loans with XXXX were 100 % paid and the attached leger shows/proves {$0.00} balance. Recently I reviewed my credit report and noticed my previous loan with XXXX is delinquent, which it definitely is not as shown in my attachments. I have written to the three major credit bureaus as well to XXXX XXXX  to fix this issue with no response or resolution. Today I personally went to the student office at XXXX to get this matter fixed and they could only print me a copy of my ledger, they also confirmed that I am not delinquent with any obligations related to XXXX XXXX, I also would not be able to re-enroll a year and a half later if I was delinquent with payment to 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 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We had scheduled a payment with CapitalOne to pay the entire balance due, {$9900.00}, we were charged an additional amount of {$160.00} in interest even though we paid the amount due within the grace period. We called CapitalOne and notified them of the discrepancy but they did not reverse the amount. I scheduled an immediate payment and told them to close the account but we ended up paying the {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: OR
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:
Data breach! Unable to get logged on to their website. " Unable '' to provide a free annual credit report online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This complaint is now going against FNBO First National Bank of Omaha -this dispute started back in XX/XX/XXXX where XXXX XXXX received funds from my XXXX account to pay for my XXXX gas card. These funds were transferred on XX/XX/XXXX in the amount XXXX. The following month again funds were transferred to XXXX XXXX for my XXXX gas card in the amount of XXXX on XX/XX/XXXX. These funds were never credited to my account and when I asked why they stated that XXXX bank no longer handled the XXXX gas accounts and that I would have to work with FNBO which I began to do. Multi calls and investigations took place by FNBO but eventually I was advised that it would be my responsibility to work with XXXX XXXX because they were no longer working with them and they did not received the funds. Again multiple calls and faxing of documents I finally ( 1 year later XXXX XXXX XXXX found the money and they did prove they wired it over to XXXX on XX/XX/XXXX and XXXX/XXXX/XXXX. I have now provided this information to XXXX and as of today XX/XX/XXXX I am unable to get any credit to my account which is being added interest and late fees each month. This situation has not only effected my credit score but also my children 's even though they were only authorized users. This is so hard to understand as a consumer how banks can move your funds between them and it take 1 year to figure out where the extra money that they have should go.

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 2022-09-09
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:
The inquiries listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX FINANC Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance {$920.00} XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed out of money for a service that was not performed correctly or professionally. I contacted cash app and sent proof of the scam and they continued to tell me they wouldn't do anything contact the person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 XXXX Account # 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

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 2023-03-04
Company: EQUIFAX, INC.
State: CT
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:
EQUIFAX IS IN BREACH OF THEIR FIDUCIARY DUTY AND ARE IN NON COMPLIANCE FAILING TO EXERCISE THEIR GRAVE DUTIES WITH ACCURACY, RESPECT, AND INTEGRITY AS DEMANDED BY CONGRESS. EQUIFAX HAS BEEN PUT ON PROPER NOTICE OF THEIR BREACH WHICH HAS INFRINGED ON MY PURSUIT TO HAPPINESS DEFINED UNDER THE CONSTITUTION AND PERFORMED UNSAFE BUSINESS AGAISNT THE CONSUMER VIOLATINGTHE FCRA  AND  MY BILL OF RIGHTS FOR FURNISHING INFORMATION ON MY CONSUMER REPORT CONGRESS DEMANDS TO BE EXCLUDE! 15 USC 1681a(1)(2). THE INFORMATION BEING REPORTED ARE ACCOUNTS THAT ARE CLOSED AND OR CHARGED OFF THAT DO NOT RELATE TO THE PURPOSE OF CREDIT, INSUARTANCE OR EMPLOYMENT. CREDIT IS THE RIGHT GRANTED. THESE ACCOUNTS BEING REPORTED LEAD ME TO BELIEVE IS TO COERCE ME TO MAKE PAYMENTS TO FALSELY PLACE THEM BACK IN THE POSITIVE STANDING. CONGRESS CLEARLY STATED THESE ACCOUNTS BE EXCLUDED FROM A CONSUMER REPORT FOR THAT EXACT REASON. CLOSED & CHARGED OFF ACOUNTS ARE NOT TO BE REPORTED (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX IS IN WILLFULL NON COMPLIANCE. I IS NOT A  REQUEST VERIFICATION OR A REINVESTIGATION BUT A DEMAND TO PERFORM ASCCORDINGLY WITH RESPECT TO THE CONSUMER AND FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX continues to post inaccurate information on my credit report with XXXX, Equifax and XXXX.There own data they are reporting to XXXX, Equifax XXXX and XXXX, is in inaccurate and no agencies will not let me dispute this although it is a separate and new dispute that is potentially damaging my credit scorereview the attached document screenshot, it clearly shows XXXX XXXX XXXX states this collection was opened in XX/XX/2018 and their reporting shows they didnt start reporting ( late ) not until XX/XX/2018! 6 months late! There is no reporting from XX/XX/2018 although they are listing the open date as XX/XX/2018 and they inaccurately and maliciously reported the collection history six months Late and have done for years! This has and continues to damage my credit score each day!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: BlueChip Financial
State: OH
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:
In early XXXX I submitted a dispute request to XXXX re : a debt showing on my report. The company Spot on loans AKA XXXX XXXX XXXX was a defendant in a class action lawsuit ( case no 3:19-cv-293 in the Eastern District of VA court ) . This class action lawsuit court docket states on page 2 section 3 that the suit applies to all consumers in the United States with loans that originated from XX/XX/XXXX to XX/XX/XXXX the loan I had originated in XX/XX/XXXX. Section 13 e of the court docket states that information will be removed from consumer 's credit reports- this case was settled on XX/XX/XXXX. This information has been removed from my XXXX and XXXX file already but not my XXXX file- XXXX has stated the creditor states the information is valid and per the outcome of the lawsuit - it is not I submitted a complaint to the XXXX also in early XXXX - again this account was to be to be removed from my credit profile due to a settled class action law suit- any account issued prior to a certain date would be forgiven due to the companies unfavorable lending practices. The company stated they would repurchase the debt from the collection agency and then retire the account. To date this has not occurred and the item is still appearing on my credit report. I have contacted the company numerous times- they always state they will request the update again. It is now going on the end of 3 months with no resolution. This is a copy of the e-mail from the company : Help at Spotloan XXXX Fri XX/XX/XXXX XXXX XXXX Dear XXXX, Spotloan has received a copy of the complaint that you filed with the XXXX. At Spotloan, we have high standards for customer service and take your complaint very seriously. Having reviewed the complaint, we understand your concerns regarding the credit inquiry with XXXX. In accordance with our customary practices, Spotloan sold your loan on XX/XX/XXXX, to an independent third party ( debt buyer ) unaffiliated with Spotloan after not receiving a payment from you in over 90 days. We never received a payment. Spotloan sold and transferred to the debt buyer all of our rights, title, and interest in this loan and has not attempted to collect on this debt since the date of the sale. However, due to your concerns, we have requested to buy back your account from XXXX XXXX XXXX XXXX XXXX. Once this is complete Spotloan will retire the account. We have also reached out to XXXX and they have confirmed that the inquiry for loan XXXX has been removed. If you have any questions, please contact me at XXXX. Sincerely, XXXX XXXX Contact Center Supervisor XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I am writing to dispute the negative information on my credit report regarding my XXXX XXXX XXXX account the account number is XXXX respectively. 

I believe that the information on my credit report is incorrect and unfair. I have been a responsible borrower and have always made my payments on time. However, due to unforeseen circumstances, I was unable to make a timely payment on the XXXX XXXX  XXXX account. I had a major injury in the left arm during XXXX and had to get a XXXX done. I had to XXXX XXXX  for the next 3 months and could not work. I paid back my due bill on XXXX as soon as I was able to get back to work. I was late there for 120 days and then paid them back. But XXXX XXXX XXXX closed my card and reported the late payments. 

I understand that late payments can have a negative impact on my credit score, but I am requesting that you remove the item from my credit report as it is not a true reflection of my creditworthiness. I have since paid off these debts and have taken measures to ensure that I do not miss any payments in the future. 

I would like to bring to your attention the Fair Credit Reporting Act ( FCRA ) which requires that all information reported by credit bureaus be accurate, fair, and substantiated. The FCRA also mandates that consumers have the right to dispute any inaccurate information on their credit reports. 

I would greatly appreciate it if you could investigate the matter and remove these items from my credit report. I am willing to provide any supporting documentation to help resolve this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Money transactions with Zelle via XXXX XXXX XXXXXXXX, reported as Business Under False Pretense / Fraud. The check ( s ) the employers provided have been termed fictitious by the bank ( s ) involved and subject to chargeback ( s ).

The recipients received money as contractors for Equipment and Softwares to supply me, a New Hire, with an Employer Qualified Home Office. The company name and activity was/ is noted/ memoed on the transactions. ( Business Name, Reason, Item ) No goods or services have been received to now, and delivery tracking was promised by the authorizing party for an approximated date : XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Radius Global Solutions LLC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I receive a letter from Radius Global Solutions. The company request to paid {$2100.00}, for account of XXXX XXXX. I never has account with this company.

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 2022-09-09
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:
I have been disputing the erroneous accounts and information reporting on my Credit Report but all my Disputes have been ignored and neglected by the Credit reporting Agencies. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required o conduct an investigation and verify the disputed items being reported on my Credit Report. And if the Credit Bureaus insist that the Disputed accounts are verified, I need the Credit Bureaus to provide me copies of proof of verification. However, all my previous requests for proofs of verification have been neglected by the Credit Bureaus. I am submitting this CFPB Complaint to request another investigation and correct my Credit file from any erroneous reporting. I need the following items deleted if the Credit Bureaus are not able to verify : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2019-08-29
Company: Credit Collections U.S.A., L.L.C.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from this debt collector attempting to collect a debt from me. I am for certain that I do not owe your company any money. I have never done business with you. In fact, I had never heard of your company until having received a call. What I find strange is your attempt to collect the debt with me when I don't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I've done some type of business with you, hence owing you money. I do not have a signed contract nor any contract with CREDIT COLLECTIONS USA. I have never done business with this company. I am not liable for collection from this debt from CREDIT COLLECTIONS USA. I am not responsible for this debt with CREDIT COLLECTIONS USA. Also upon further review of my own this company is to furnish me with verification/valdiation of this debt.

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 2023-09-25
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC
State: IL
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
I am on the last creditor to repay and I requested that they would start settling with the company. When I started with the debt company, I was told that it would take around 4 years to settle, its going close to 5 years and they are collecting the money, but they are not settling on the last debtor. They say that they will settle when they reach a particular amount, but they will not say how much. They did a repayment for almost all of the credit cards, but they won't for the last company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: WA
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 XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OVERCHARGE : PHH MORTGAGE has extended my mortgage even after it should have ended. When Ocwen Loan Servicing LLC service my account before turning it over to PHH MORTGAGE, my statement dated XX/XX/XXXX, the balance {$220000.00} ( See attachment ) not {$340000.00} as PHH Mortgage claim. I had a Loan Modification where I get {$53000.00} off per year as long as I made timely payments ( XXXX, XXXX & XXXX ). PHH MORTGAGE took over servicing the loan & change the agreement & went back to the original an amount in XXXX. How many people have been extorted & financially XXXX before something is done?? How many?? 
You should do an investigation & charges the company with overcharges & extortion

Company response to consumer: Closed with explanation