BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Sezzle Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sezzle is a company that has an app that lets you make charges and pay them back in four payments. Each one is spread out by two weeks. You can post pone them as well for a few. 

Sezzle has been great for a year or so. Suddenly they show up on my credit report as if they gave me a one time loan of {$2000.00} and I have been making XXXX XXXX monthly payments to them for it. This is not accurate at all and is not how they operate. No other pay in four company ( XXXX, XXXX, XXXX, etc ) shows up like this either. There is not a set amount they gave me at once and no one time monthly payments I make back to them. 

For example if you buy something for {$20.00}, you pay {$5.00} up front and pay them back {$5.00} in three payments over six weeks, theres no set in stone lump sum as they have reported to the credit bureau. 

I had multiple payments set up but not for this amount. 

My issue is on top of this, out of nowhere they reported I missed one of these imaginary payments that dont exist and ruined my credit. I immediately repaid everything I owed them and closed my account. This was over two months ago now. 

I reached out to Sezzle and got an email apologizing and saying it can take three weeks to update on my credit report and it would be ok. 

Now like another slap to the face they have reported a second late repayment for these nonexistent amounts, after I paid them back, and cant sign in to prove it Im stuck now and really need help, since apparently they can continuously do this to me each month and I cant defend myself. 

I have attached some receipts to show examples of how they are paid back, as you can see there is no once a month {$200.00} payment I owe to them as reported on my report by them. Its cut into sections with no set in stone date. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I written numerous of letters stating for them to verify this debt as well the amount owned. Because I have or had medical insurance. And I shouldn't be receiving anything regarding my medical information being sold or discussed to outsiders this go against the HIPPA law. And I would like to remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX  XXXX Balance : {$990.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXXXXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX  Balance : {$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 explanation
Consumer complaint received 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 a victim of identity theft and did not make the charge.I ask that the following inquiries be removed on my file. I would appreciate if these inquiries are deleted as soon as possible as its stoping me from progressing in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2020-11-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a new account online on XX/XX/2020 and deposited my stimulus check. It cleared and I made 3 XXXX transfers to my fiance account. By XX/XX/XXXX my account was blocked due to either recent activity on account or not providing information requested. When I called I was told they needed 2 forms of identification or account would be closed. Before I could go to branch my account was closed and I was told from customer service that my remaining balance of {$260.00} would be mailed to me within 10 days. That was on XX/XX/2020. Today is XX/XX/2020 and still no check and no news from Chase Bank on status of check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I submitted complaint Consumer Financial Protection Bureau # XXXX for XXXX XXXX Account # XXXX in the amount of {$540.00}. On XX/XX/2019 I received a notice from Equifax in the Consumer Financial Protection Bureau that stated that they would investigate the claim. Today I received a letter in the mail from Equifax Confirmation # XXXX dated XX/XX/19 saying they investigated and verified this account as accurate and they MODIFIED THE ACCOUNT. 
I can not explain how this account dispute was disputed and verified on the same date XX/XX/2019. How can Equifax receive, investigate and conclude the details of an account in one day? I am requesting the method of verification allowed by FCRA Section 611 ( 7 ) and would like  the results to be mailed to me in 15 business days as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, INC.
State: PA
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 SENT IN MULTIPLE DISPUTES FOR THIS COMPANY TO UPDATE MY PERSONAL INFORMATION. THE INFORMATION THEY HAVE IN THE SYSTEM FOR ME IS INACCURATE AND FALSE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
I charged a dental service on my credit card on Saturday XX/XX/XXXX The charge was XXXX XXXX baht The published exchange rate is XXXX baht/USD The charge appeared on my account was at rate of XXXX baht/USD, WHY? 

The billing should be {$180.00} I was charged {$180.00} Difference {$4.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Since graduating from school in XXXX the creditor company names continue to be changed, taken over, replaced through acquisition. When I check my credit report different companies are listed but the amount is the same. I have tried several times to get them to remove the accounts since they were closed due to the original company being replaced. It has truly affected my credit score since it is the same accounts over and over again. I was informed that after 7 years the account would be removed. The lender company for my student loan has changed names and ownership several times. Yet the amount keeps reappearing as if I owe to each one. I am really trying to work on building up my credit but this is seemingly becoming a hardship. In my credit report I have the same loan showing up with 5 different names. It would be great if the old ones would be removed.

Also for one of my accounts it continues to appear as closed even though it was paid in full. It does not reflect or let potential lenders know that I have paid the creditor the full amount that was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: OneMain Finance Corporation
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I was led to believe that I could not receive a loan without signing up for an add-on product, and I was never able to remove it. I was also mislead on the payment process - whereas I made payments that totaled {$8400.00} - some of those payments were made early ( as I was told that would lower my principal if my goal was an early payoff ), but my principal only went from {>= $1,000,000} to {$8100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX & experian have new inquiries that need to be removed from my credit report asap i gave noone permission to run a credit profile for inquiries fot me

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 2021-09-19
Company: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Eaton Group Attorneys, LLC is trying to collect on a debt that was the result of identity theft but they are the type of service that would try to collect on a debt even if they know the truth about the debt.This Eaton Group Attorneys, LLC is in violation of the federal fair debt protection act 15 U.S.C. 1692.

The company that sent this account to you was sent may letters telling them that this account was opened through the result of identity theft.

This debt is not owned by anyone in this household.

Also XXXX  XXXX  XXXX  was told that the account was the result of identity theft.

I would like to know why is Eaton Group Attorneys, LLC trying to collect on a debt that is the result of identity theft? 
Reference number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: UMB FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a Health Savings Account, " HSA Account # 1, '' at UMB Bank as part of an insurance plan with my former employer, a XXXX. When I left my job at the XXXX, I retained HSA Account # 1. I started a job with a XXXX XXXX. Through my XXXX XXXX job, I had a second HSA health plan, which also used UMB Bank as trustee for the HSA.. That resulted in me having a second HSA, `` HSA Account # 2, '' at UMB. On XX/XX/XXXX, at my direction, UMB closed HSA Account # 1 and contributed {$1200.00} into HSA Account # 2. HSA Account # 2 should have had some amount at that time. My Form 5498-SA reflected a balance of {$710.00} at the end of XXXX. 

I have since left my job with the XXXX XXXX. I would like to transfer the amounts from HSA Account # 2 into a new HSA account I have under my new insurance plan. However, UMB Bank can not " find '' the funds in HSA Account # 2.

I have spoken to UMB customer service twice, with no resolution. The first time, on approximately XXXX XXXX, XXXX, they told me that had to do some " research '' and they would call me back. They did not call me back. I spoke with them today, XXXX XXXX, XXXX, and had not figured out where my funds are. They said that HSA Account # 2 was terminated. At what point they said it had a XXXX  balance, and at another point they said there was {$970.00}. In neither case could they advise on what actually happened with the account, how it showed the balance they were seeing, or how I could transfer the funds to my new HSA. They wanted again to hang up and do more " research. '' But I do not believe that they would actually do that and get back to me. I was then put on hold when I asked to speak to a supervisor. I could not remain on hold long enough, and had to hang up. All told, I have spent nearly 2.5 hours on the phone with UMB and they can not tell me where my money is. 

Nor could they advise me on how to access my account information online for HSA Account # 2, so I could attempt to verify their information. They said that I had to contact the insurance company, but I had done that and they told me to contact the bank. Moreover, the bank clearly is the trustee on my account -- they do not dispute that, and that is what my Form 5498-SA says.

So what I need is : 1. A detailed transaction ledger for all of my HSA funds at UMB Bank, regardless of account. I need to be able to verify what happened to my money.

2. Clear instructions on how to transfer my UMB HSA funds into my next account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2017, submitted all the necessary documentation of property ownership due to inheritance to the citys county and Banco Popular along with paying all the outstanding back taxes along with submitting my proof of income in order to get a new FHA mortgage loan approval on the property I signed the loan as owner of my property for the new mortgage loan but when I looked at my credit report I was not reported as me being a homeowner or even being an owner of my property along with paying for the loan and when I asked the bank why they responded the property was still in the name of my deceased parents and asked them hows that possible when I signed for the new mortgage loan not my deceased parents and they responded that I did the mortgage with loss Mitagition Dept not the change of ownership but I informed them the loan was under Banco Popular homeowners loan not loss Mitagition Dept they still insisted on me repeating the same process I did on XX/XX/2017 in order for to obtained the loan under my name which is unfair along with the fact the credit report will only show that I obtained the loan just recently when I fact I have been paying my loans faithfully as scheduled and I should received my due credit for paying my loan in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Resurgent Capital Services L.P.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not recognize these accounts, investigate and delete from my credit file. My personal information has been exposed. These accounts are XXXX and LVNV funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-16
Company: CURO Intermediate Holdings
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2021 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2015-08-20
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received a check for {$2700.00} for work that I had done online for XXXX XXXX. I deposited the check on Friday XXXX and some of the funds were available immediately. The remaining funds were to be made available today. The remaining money was placed in to my account this afternoon and then removed because a stop payment had been placed on the check. The money was already in my account and the check should not have been available for stop payment. I would like my funds returned to my account immediately. I am really upset with these financial institutions dealing with my money any way that they want to. I need help and protection. This is the XXXX time I have had an issue with a bank this year and have had to escalate it to this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Comenity bank over stock. Is sending me threatening phone calls. I am having financial difficulties at the moment. But they refuse to work with me to lower the interest payments or payments. I've been making smaller payments to try to keep my account from going further behind. I have set up a payment of {$37.00} for XXXX. I have set up a {$47.00} payment for my XXXX XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX, and I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other items that need to be corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be corrected or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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