BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-27
Company: Experian Information Solutions Inc.
State: TX
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:
A Credit Reporting Agency ( CRA ) sent attached letter reflecting the statement " Your written authorization may not be required to constitute permissible purpose. '' Per Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] of the FCRA reflects : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or Are CRA 's relying upon # ( 3 ) for the verbal permissible purpose? If so, should the person be listed on inquiries as the one responsible of pulling credit? If not, what part of the FCRA Section 604 is the reason for the statement " Your written authorization may not be
required to constitute permissible purpose ''? Does the FCRA then allow for that person to share with others?

Are verbal permissible purposes to a person wise in this time, XX/XX/XXXX, of rampant identity theft and fraud?

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 2020-08-31
Company: Resurgent Capital Services L.P.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
LVNV continues to report inaccurate information. I was not notified prior to credit agency reporting by LVNV. The information being reported has inaccurate Dates, and inconsistencies across reporting agencies. I have attached proof of inaccuracies based on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2018 trying to purchase gas with the XXXX CARD. It is not working. We are out of state traveling. Called number in back of XXXX card and after automated prompts told to call back during business hours ... do not TELL you the business hours. Most people travel on weekends ... it is summer after all. How can a customer not be able to get gas???? And then not be able to speak with customer service! Deplorable treatment of the customer! I called back again ... went thru the prompts. And tried to report that we were traveling. Again, we were told to call back during regular business hours!!! Which are not provided in the recording! Disgusting!!!

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 2021-09-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The creditors were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way they were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Bank has me listed being late 30 days in XX/XX/2018 and that's incorrect. I was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2016, I open a capital one Credit card of XXXX $ limits and every time I submitted a payment my bank keep returning the payment so capital one decided to closed my card every since they put a bad report on my credit file and saying that I missed payment and even though I'm no longer have relationship with capital one they still pulling my credit report about a couple times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, PROFESSIONAL DEBT MEDIATION, INC on behalf of XXXX XXXX has been trying to collected an amount of money that is not owe because according to the Florida statutes 83, appliances and all the stuff they are charging me have normal wear and tear and it can not be charge to the tenants. I rent the apartment in XXXX, while this apartment was seven years  old already by XXXX. All inside the property was already in bad conditions and it is reflected on the move-in list. After moving-out in XXXX, ten years more of use plus the 7 previous years, the apartment was with 17 years of antiquity. I have proofs, like photos, the move-in/move-out report, and a letter that confirms that all the payments were always made on time. This situation happened in retaliation from the management, because they were reported for not replacing the carpet after 17 years, for not renewing our contract and for request a first floor to move in for a XXXX apartment. Since I was force to move out due to their retaliation to other place, I was unable to fight this Debt in court and I do not have the money for pay a lawyer to represent me. I already sent professional debt mediation, Inc all the proofs I have, also I reported it to the consumer report in XXXX Florida, which were unable to help me and they send me a referral for an attorney. I did my complaint with XXXX XXXX Consumer Report because this property is a low income property that is offer and sponsored for the XXXX XXXX County. All the charges are unfair and illegal.

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 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX, XXXX  Account # XXXX and XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX  Account # XXXX 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 an 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 2020-05-20
Company: EQUIFAX, INC.
State: FL
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:
someone has been using my information as a result now i have 15 inquiries on my credit report that i know nothing about i contacted the credit bureaus all they was able to do was adding a fraud alert but all those inquiries remain on my report, i sent letters to the creditors and all three credit bureaus. nothing was done about and by law they had 30-45 days to respond i never heard fro neither of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: AL
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 XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XX/XX/XXXX # XXXX -- XXXX XX/XX/XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- -- XX/XX/XXXXXXXX XXXX # XXXX -- XXXX XXXX XX/XX/XXXX-- XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 5 unverified accounts as of today. 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 2020-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I've been disputing with the bureaus, the inaccurate entries that Capital One has been reporting for a year now. They are not reporting accurately, and continue to do so. From my understanding of consumer rights, creditors must report accurately, or remove the account from the credit bureaus. 

According to my credit reports, Capital One is reporting different last day active, and different last day of payment across all bureaus, and all the dates are wrong according to my records. They are not reporting high limit on one of the bureaus, and no credit limit on a different bureau. In addition, they are reporting different comments across all bureaus. Additionally, they reporting different dates the account was opened, and they are reporting a past due amount on a charge off that was sold to a collection agency. 

After disputing with the bureaus, In accordance to article 623, I decided to send a dispute letter directly to Capital One to provide me proof of the inaccurate entries they claim to the bureaus as verified. As of today I have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: FinCo Services Inc DBA Current
State: IL
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:
I tried to dispute transactions that occurred in XXXX in XXXX when I looked at my statement and noticed they were there. They never filed the dispute and told me they did So on XX/XX/20 they officially put the claim in and requested I send the signed forms back for my provisional credit it up to 10 business days. I immediately did that and uploaded it Here it is XX/XX/20 and I havent heard a single thing from this bank about my dispute claim

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-31
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In XXXX of XXXX, I applied for a loan with an organization called NetCredit. I was approved and the loan was funded. In XXXX of XXXX, my job was impacted by COVID19 and I reached out to NetCredit and asked them if they would be able to lower both the interest rate and the payment because the payment on this account is XXXX and I can not afford that at the moment. A representative from NetCredit responded to me stating that they do not lower the interest rates on their loans and that I could visit their website for payment assistance. I went to their website and on their website, the only option that I was given was to defer my payment by up to 20 days. I then continued to make my payment with the enhanced unemployment that I was receiving and when the enhanced unemployment ran out in XX/XX/XXXX I contacted them again and advised them that I was going to have to default on my loan as I could no longer afford the payment and again they referred me to their website and stated that there was nothing that they can do about the excessive interest rate that I was paying. When I applied for this loan I was not given a copy of the amortization schedule and at no time was I told that I would be paying over 85 % of my payment to interest. I never would have signed up for a loan if this were the case. Currently, I make a XXXX payment per month and XXXX of that goes to interest that I never was told about. The contract that I signed was online and it was very misleading. This matter needs serious attention as I know I am not the only consumer that they have done this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: DISCOVER BANK
State: MA
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: Was not notified of investigation status or results

Complaint:
This account is being reported with repetitive CO marks which is a clear violation. Please review this account and provide me with complete information and up to date payment history, if your agency is unable to, please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Credit Management Control, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
COLLECTIONS Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$96.00} Remarks -- Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Details Last Reported XX/XX/XXXX Collection Agency CREDIT MANAGEMENT CONTROL Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$43.00} Remarks Account paid for less than full balance Account Details Last Reported XX/XX/XXXX Collection Agency CREDIT MANAGEMENT CONTROL Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$77.00} Remarks Account paid for less than full balance Creditor Contact Details CREDIT MANAGEMENT CO  XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I made a call to American Express trying to get an increase of the Cash advance amount I have available. My credit limit was {$6700.00} and only {$200.00} dollars available for cash. I spoke with a representative on the phone and he said the only way to be able to request an increase on cash advance limit, I would have to request an increase also on my credit limit so he suggested I do at least a {$100.00} dollar request on my credit limit which I agreed. He also asked if I was planning on get cash from my card and I said Yes. The response I got was that both my requests were denied and that I would be receiving a letter on the mail. A few days later I call again to get my card PIN number because I needed it to make a cash withdrawal and the agent on the phone said if I was aware my credit limit was dropped to {$1000.00} dollars. So I told him that's not possible that I had just checked the app a few days earlier and my credit limit was {$6700.00} and I had a {$0.00} balance. And he said they had done this review back on XXXX and I said that was not true because I had just called and they reviewed my account only because I called to get some help over the phone trying to get a cash advance increase, I told him I felt discriminated that they had done that just because I called. If I hadn't called my credit limit and account would be the same. What can I do in this case?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Nelnet, Inc.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had contacted great lakes about my student loan. I told them I couldn't afford payments i couldn't find a job. So they put me in forberance but didnt quit explaining. It to me this was the end of XXXX. Well when I got on the pay as you go plan I got charged the interest than for some reason there was. Months were they put me in forberance tha. The same month on a payment plan and that went back and fourth like that for quite a few months. I turned in my paperwork at the end of XXXX but they didn't approve it till XXXX so I got charged interest. As well as XXXX XXXX to them about the borrowers defense they shut me down didnt even try to help. They know I work for a non profit organization and am gon na try for the pslf but they have never said that they don't dont do the qualifying for that as well as I've talked several times with the csr and wanted to make sure I was on the right payment plan to count for the pslf loan they would tell me one thing but than it would change I still dont know exactly if the pmt plan im on is correct i got nothing but resistance when trying the borrowers defense loan. The company is not very good and i dont feel that any advice they give is in to help me out. Just their pockets I learned that early on dealing with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE
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:
I called a XXXX XXXX school to schedule my son for their package of 10 hours of driving for XXXX on XX/XX/2020. They withdrew the XXXX out of my account on XX/XX/2020. XXXX driving school was suppose to pick my son up for his 2 hours on XXXX the XXXX @ XXXX XXXX after waiting for 40 minutes I called the school multiple times to find out what was going on, no one answered. I texted the driver who was suppose to pick my son up, he never responded. I sent a text message to the driver stating that since no one wants to return my call or pick the phone up my next call was to my bank.So I called my bank USAA to dispute the charge because obviously they had my money so why bother calling me. On XX/XX/XXXX, the driver text my phone to tell me that the owner of the school decided to shut the school down due to COVID-19. The Governor or any Governor for that matter has not shut down anything as of yet for COVID-19. So the XXXX XXXX school can now keep my money with NO services rendered and use COVID-19 as an excuse to embezzle money out of people. USAA was no help in this dispute because they said they don't cover anything COVID-19 since it government laws. I told them the dispute is NOT COVID- 19 related because nothing was shut down that is XXXX excuse for keeping my money and not providing any service. I just want my XXXX dollars back and XXXX held accountable for their dirty actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: Bread Financial Holdings, Inc.
State: VT
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Received numerous cell phone calls to XXXX relative to a debt? Caller, XXXX # XXXX from Commenity Bank. XXXX refused to answer questions relative to debt and continues to harrass my wife. Also refused to give information about alleged debt and refused to give me an address to deal with this. I also taped the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at Commonwealth Financial Systems. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also Commonwealth never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified Commonwealth that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.

Company response to consumer: Closed with explanation