BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-11
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

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

Company 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 2015-09-24
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am in receipt of a letter dated XXXX/XXXX/2015 from XXXX XXXX BANK. Paragraph one ( 1 ) states that credits score is one of the factors that they use in calculating an interest rate and have provided me with the credit scores they used in assessing my application. Credit scores provided are as follows : XXXX XXXX ( XXXX ) ; EQUIFAX- XXXX ( XXXX ) ; and XXXX ( XXXX ). Scores have increased since last week. However credit bureaus continue to report the same adverse key factors that were reported to the XXXX XXXX XXXX XXXX on XXXX, XXXX Bank on XXXX/XXXX/2015, and XXXX XXXX Bank on XXXX/XXXX/2015. Having reviewed each credit bureaus credit report, line by line, I find that information provided does not support these adverse key factors. I find it appalling that creditors continue to accept the credit bureaus information as gospel. Attached are letters that have been submitted to dispute these adverse key factors. The credit bureaus only responses to disputes are the credit reports which do not substantiate these adverse key factors. Customer does not have any say so in the decision making process. Why are these credit bureau allowed to dictate what a customer can or can not have?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Pan Am Collections, Inc.
State: FL
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:
On a number of dates I 've informed this company I do not have a debt with them and to stop bothering me at work. One more time today, XXXX XXXX, 2017, they called me at work and left a collection message on a company voicemail. This needs to stop immediately. 

XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I've recently viewed my credit file and noticed TRANSUNION has inaccuracies and/or incomplete information, and accounts that is UN-Verified on my credit report. according to the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one each any or all the unproven, noncompliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged accounts are to be completely deleted.

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 2019-08-30
Company: Big City Finance, LLLP
State: TX
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/2019 I applied for a payday loan. It was granted for the sum of {$800.00}. Before I accepted the loan, I asked what was their interest rate. To compare with a couple of others I had in mind. Representative, fed me the run around, by stating interest can not be seen until she set up payment schedule. I selected to payment plan of 5 months for safety net, assured I could pay back without harming my house hold. So rep stated it would be {$240.00} for every scheduled pay day I have selected. I'm thinking only 5! So I agree to the loan.Figuring est of maybe the interest was around {$300.00} bucks. To me that's reasonable. Was told my first payment was gon na be {$150.00}. The the rest would be the {$240.00}. My first payment was due on XX/XX/XXXX. My check I deposit was clear on the XXXX. I went on website logged in and made payment for {$150.00}. That's when I saw whole picture, which I submitted in the photos. {$150.00} was broker fee and lender interest. So I looked at my payments history my balanced still read {$800.00}. ( None of that towards my principle ) So no wondering why is the no decrease towards my principle, and I Immediately called the Power Finance Texas customer service. I stated sorry for paying a day late. I said I made payment, but I notice my principle is still the same how come? She said my loan was prorated, so that was the fee. Not told this before! I also asked why does my payment schedule show 13 payments due instead of 5? Rep stated that payments of {$240.00} would be due twice a month! That's when I realized this was no life line but nightmare! 8 extra payments is and was not the agreement I said to her. So I told her I calculated 13 x 's {$240.00} it came to {$3100.00}!!! On a {$800.00} loan!!!! I said I don't feel it's fair I got ta pay back almost triple what I borrowed. How {$800.00} get to {$3100.00}? She said the fees are added every day by {$16.00} and some cents per until day the loan is paid off in entirely. I said if you would have told me that at first I certainly wouldn't have agreed to taking a loan from you. I told her this was my first loan, and certainly the last. Because true stipulatIons was I felt withheld. Website stated lower amount per {$100.00}. Couldn't just take the highway robbery, so I came to report which to me feels like entrapment! I more worse off than when I started!!! HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
A few weeks ago I called a spoke to supervisor at Transunion about an ongoing issue with a account listed on credit report. I asked her how is it possible that account that has been closed since XX/XX/XXXX have different dates reflecting on my credit report. I informed her that I purchased my credit reports from MyFICO on two different occasions and dates. The first purchased reported dated XX/XX/XXXX had a close date of XX/XX/XXXX and the second purchased date of XX/XX/XXXX had a close date of XX/XX/XXXX. 

When questioned about it she said that was the information that was transmitted or sent by XXXX. I asked her how is that possible that an account has three different " closed '' dates? 

I also pointed out to her that account was sold to a outside collection agency and when I asked her if I could submit my own documentation to prove otherwise she said that Transunion would not accept it. I told her I had proof i.e.a bill from the outside collection agency with the Original Creditor and the balance that matched the balance from the original creditor and she still said Transunion would not accept it. 

Transunion is denying me due process afforded to me under Federal Law by refusing to accept clear and cogent documentation pertaining to my dispute. I have pointed numerous discrepancies on my report and Transunion refuses to acknowledge or fix them.

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 2020-05-03
Company: Incomm Holdings Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a my vanilla card that I have had my tax refund and stimulus check direct deposited into. The total amount left is {$2500.00}. I can not withdraw my money at an atm or at a XXXX XXXX XXXX. I can not make a substantial purchase, only small purchases online or in gas stations. I have spoke to customer service on XX/XX/2020 and they informed me nothing is wrong with my card and I am able to withdraw up to {$2500.00} at a XXXX XXXX XXXX but this is simply not the case as every attempt is not only declined but also charging me a purchase fee with no actual purchase. So I cant access my own money and I also am racking up a multitude of fees from attempting to do so. I have retried to contact customer service and can not get anyone on the phone and eventually will get disconnected from the wait. I also can not get a live person from any other numbers of XXXX, income financial solutions or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: EQUIFAX, INC.
State: AL
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:
Please be advised I am requesting validation made pursuit to 15 USC 1692g Section 809 ( b ) in which I am requesting proof that I am indeed the party you are asking to pay this debt and that there is a contractual obligation that is binding on me to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is inaccurate unverified information posted on my credit report with XXXX XXXX and XXXX I do not recognize this debt and if it that is mine I request the original signed contract with my signature. I have sent several requests to dispute this information with the three credit bureaus and it has not been removed from my credit report after 3 attempts. The credit bureau has stated this information has been verified but I have no documentation or proof and what means this account was verified. I have not received any documents showing that this information is valid and that it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: CFW Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/19, I submitted on writing a request for them to cease communication. I spoke with a representative that day as well. I received an email from them on Friday XXXX19. Today, XXXX I received 10 calls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm literally gon na gloss over this because I've submitted the same complaint about the other XXXX credit reporting companies. transunion has been reporting the finger hut account on my credit report incorrectly for at least XXXX  months now. multiple attempts have been made with them to dispute the account, no changes have been made, all disputes result in fruitless frustration. the same letter i received from web bank XXXX the issuer of credit for XXXX XXXX XXXX was submitted in a dispute with transunion and subsequently netted nothing down. the letter lists information about the XXXX XXXX  account as recorded by XXXX XXXX and shows in black in white that XXXX XXXX account is being reported almost entirely incorrect and yet nothing was down with the account listed. i will be attaching that letter to this complaint. get your glasses or translator, don't really care. i want proof someone with XXXX eyes and a general grasp on the English  language has read the letter.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. XXXX Accounts XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/ XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2019-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2019 I used XXXX through my Bank of America App to transfer ( {$130.00} ) money for merchandise I did not receive. After contacting  Bank of America they said they likely wouldn't help because I initiated the transfer. I just want my {$130.00} back, it's causing my financial crisis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Your corporation is impeding me on being able to take care of my family by purchasing a home and a car for personal use by violating and invading my consumer right to privacy and furnishing inaccurate items on my consumer report without my consent or validation. I can not provide for my family and exercise my right to use my credit because my consumer report is my reputation with the banks in which I would like to do business. I believe that the law says that if you have had my documents for 30 days and are unable to validate or verify that these items need to be removed. I have provided the dispute multiple times and have a green receipt that bears your stamp further letting me know that you received my dispute more than 30 days ago. Please do what is right and remove these accounts so that I can move on with my life and continue to provide for my family. I believe that by law these accounts fall under the exclusion section of FCRA because they are consumer credit transactions that happened between myself and the corporation that made the report. Please respect my demands and my consumer right to privacy because I feel abused, embarrassed and violated with having these inaccurate items furnished without validation or consent. The pandemic has been tough enough for my family please dont be another obstacle.

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 2023-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Tuesday XX/XX/XXXX, I signed up for a one day trial to a website called XXXX and never use it again. Imagine my surprise when I get a notification from my Capital One checking account stating that {$38.00} had been withdrawn. Turns out, I had been auto enrolled into a full subscription that I never needed nor wanted. In an attempt to resolve this, I used the site attached to the payment, XXXX. Just yesterday, I get another spontaneous withdrawal of {$37.00}. To my dismay, this is a trap and sketchy loophole to steathily withdraw money yet again. Now, a pending charge from a website called XXXX with the exact layout as XXXX is currently on my checking account. I have been trying to dispute this for days in hopes of a refund as I need this money for other essential means. The only thing XXXX did to resolve this was void the transaction and full membership to make it appear as if I never paid for their service, while STILL keeping the {$38.00}. This has left me restless and frustrated, because what was now meant to be just a one day trial run of a website has turned into a game of cat and mouse where I'm left no choice but to hound for my money. Also, mysteriously, the {$37.00} charge which was once for solely XXXX is now showing up as XXXX, which is practically the same site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: ERC
State: OH
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 have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX -ARS # XXXX -XXXX  # XXXX XXXX # XXXX -ENHANCED RECOVERY COMPAN # XXXX -XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021 I viewed my Bank of America XXXX debit card account online and saw that over 10 fraudulent charges had been placed on my car, Totaling in a little over {$1700.00} dollars. The charges mostly were from a smiths fuels gas station. The nearest XXXX gas station is in Nevada. I live on the coast of California. And have never been to Nevada. 
I immediately contacted Bank of America, cancel my card and filed a claim. I was assured that they would review my claim and get back to me in 90 days. On XX/XX/XXXX, I received a letter stating that my case and been closed and that the money credited to my account will be taken back. Bank of a AmericaXXXX card has a {$0.00} liability. And I was robbed. And then Bank of America deemed it not fraudulent. Which is not true. 
Side notes : I never lost my card ; I never gave my card to anyone. I did not share my card information with anyone. I have seen many other people in this same situation with XXXX and the Bank of America pre paid card. Somehow we are being hacked and virtual robbed. And we are being wronged the the very companys who claim to protect us. What is {$0.00} liability, if low income people like me can not find resolution to a legitimately unjust act, like virtual theft during a pandemic? 
Thank you for your time and I hope we can make this right.

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 2019-09-23
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX # XXXX is reporting lates in XX/XX/XXXX and XX/XX/XXXX. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it after the two months, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a house that i lived in with XXXX XXXX XXXX after she passed away along with her son through her will, missed no payments, but after sending in a payment to Ocwen Loan Company, had the payment sent back and was told the house was going into foreclosure because the payments were behind, what they did was funneled two of my payments into escrow and when i sent in another payment, the sent it back, would not accept any payments, and started foreclosure, for several months they would not even talk to us about the account because we were Heirs of the property. We filed Probate, sent in all the appropriate information which they repeatedly told us the did n't receive, even told our Attorney the same several times after she sent the information to them, they added several thousands of dollars to the account in fees, and we still ca n't get any resolve, there is a class action settlement suit filed by The Consumer Financial Protection Bureau Case No. XXXX for these same actions on multiple other accounts. We filed numerous loan modifications which we never got responses to, we have tried everything that we know to do to resolve this issue with no help at all from Ocwen Loan Company.

Company response to consumer: Closed with explanation