BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-01
Company: EQUIFAX, INC.
State: IL
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:
There is incorrect information on my credit report and I sent letters to the reporting agencies. I did everything I was supposed to and the FCRA consumer law said they are required to respond in 30 days in which they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: BB&T CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX   XXXX  with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.

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 2018-04-22
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 I received a letter form this said company Resurgent Capital services. 
On a debit not owed by Me it said the original debt was XXXX XXXX, who i do not have on my credit report current owner XXXX XXXX, ref # XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check that I received from a well-established company into the ATM. I was not advised that the item would be held for three days. I checked the account around XXXX XXXX  the morning after I deposited the check and the funds showed that they were available. I attempted to make a payment two hours later, and the payment was declined. I then checked my account and found that the funds had been placed on hold. I contacted the bank and was told that there was nothing that they could do until the next day. I contacted them the next day and was advised by a branch manager that they would not be able to assist with verifying the check with the bank it was drawn on and that I needed to wait until the hold falls off. I am taken back with this type of response as I have been a customer of Citi for eleven years.

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 2020-07-12
Company: Debt Recovery Solutions, LLC
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 disputed this collection account and was not provided valid documentation showing the details of why this account is linked to my information. I sent a letter by mail requesting to send me the information on the debt showing why, when, and how it was mine and advised them to provide me this information within 30 days, and nothing was sent to me. The original debtor that is showing on my credit file under XXXX XXXX XXXX XXXX illegally sold this debt to another company and is in clear violation of the HIPPA LAW and is now under Debt Recovery Solutions. Neither of the company 's have provided me ANY information in regards to how this debt is linked under my financial obligation and they have reported it as a debt to all three major credit bureaus. It is showing the total amount of XXXX owed to Debt Recovery Solutions as of last reported date of XX/XX/20. I am requesting that Debt Recovery Solutions provides a wet signature and documents proving that i am financial obligated and liable for this debt. If their company does not provide this information with in 30 days i will be seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Atlanticus Services Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Fortiva Credit Card charged me a erroneous late fee of {$28.00}. The due date is the XXXX of each month. I made my XXXX payment on XX/XX/XXXX prior to the XXXX yet they did not post the payment until after the XXXX. They had the payment, but they did not post it until I asked them why they did not post it. After they posted it they then charged me a late fee of {$28.00} even though the post date indicated XX/XX/XXXX on my account on their website. I emailed them several times inquiring why I was being charged a late fee to which I got no response so I closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
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:
when Equifax got breached in XX/XX/2018, I was a identity theft victim. Since then I been a victim of multiply fraudulent accounts appearing on my credit report. I filled a police report and made several FTC identity theft reports. Equifax sent me a letter stating they are above the law ( Fair Credit Reporting Act ) and they can circumvent the law ( Fair Credit Reporting Act ) by not block my fraudulent accounts within 5 days, but at Equifax 's discretion. If my information would have never been " hacked '' or " breached '' by Equifax I would have never been in this situation. I have attached my letter of demand and affidavit along with my FTC report number and letter for your review. I want Equifax to stop circumventing the law with excesses to send letters to 3rd party furnishers and do there job as the law pertains. I am currently working on 3rd party  furnishers but Equifax refuses to follow my demand concerning the law ( Fair credit Reporting Act ) section 605B. ( Please see attachment )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 DEMAND THAT THIS NOTE BE SHOWN TO AN FCRA LAWYER! 
Dear FCRA Lawyer - Please explain to the employees of your company - who are handling my files - please explain to them that they are legally obligated to REMOVE false & un-verified derogatory items within in 30 days of dispute! 

Please also explain to them - that - in my case - that 30 days time frame EXPIRED A LONG TIME AGO! Because of that - they must fully remove all derogatory items from my files THE SAME DAY THAT YOUR COMPANY RECEIVES THIS LETTER! 

Please also explain to those employees that removal of false & un-verified derogatories of is matter of a lot of different kinds of laws! FCRA! CPA! FACTA! 

When Congress passes laws about a lot of issues - Jobs - Healthcare - Guns - to quickly state 3 examples - often these issues are connected to Credit Reports & Background Checks. 

A very large number of laws protect people from false & un-verified derogatories. A very large number of laws require ethical conduct by Companies with these kinds of files. These matters are about compliance with ADA - ACA - FOPA & a very large number of other laws! 

Please help the employees of your company understand these concepts!

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 2019-02-27
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I sold 2 of XXXX XXXX XXXX XXXX season tickets for {$700.00} to a game I could not attend to, XXXX XXXX. I agreed to use PayPal to guarantee a safe and secure transaction. Having used PayPal many times before I was confident in getting paid. A Paypal request was made to XXXX. Several hours after the money was deposited in my account from XXXX I electronically transferred the tickets directly from my account to XXXX. The XXXX XXXX XXXX confirmed that they were down loaded from that email address. A week after the game was played I get a notice from PayPal stating that XXXX is disputing the transaction stating it was an " unauthorized " transaction. The tickets were transferred and downloaded to the same account as the PayPal payment was received. PayPal should make good on this transaction under their sellers protection policy. XXXX XXXX phone is XXXX XXXX XXXX which has restrictions on and I can't call back. This was a scam that PayPal was a part of. 

PayPal Case ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: CORELOGIC 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:
I visited XXXX XXXX XXXX in XXXX, Texas on XXXX-2018 with a pre-qualified notice from my current bank, XXXX  XXXX. The salesman and financial manager ran credit report inquiries without my permission with 2 different banks, XXXX XXXX via Credco and XXXX XXXX. 

I called the dealership to complain and they told me I needed to file a dispute. I distinctly asked the sales manager not to run my credit. 

I texted that night after receiving an alert that 2 inquiries were made. I told him I had trusted him and he said he trusted the financial manager also. 

I have the phone text showing this conversation. I also have an email stating I would have to file a dispute.

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 2019-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On approoximately XX/XX/18 I received a mailing offering me the opportunity to apply for a Capital One Quicksilver Card. I navigated to the capital one website and discovered there was also a promotion promising a XXXX credit if I am approved for the card and spend XXXX on the card within 3 months. The conditions indicated to qualify I must click apply now on the site. I clicked apply now was approved and spent the required amount within the required timeframe. When I called about my promised credit I was told I didnt qualify for the offer. First I was told it was because I have other products with capital one. When I advised this was my first quicksilver account and the site does not state that I do not qualify if I have other capital one products just if I had an existing account. I advised that because I didnt have an existing quicksilver account I should still qualify. Then the representative changed their tactic and claimed I did not qualify because I had entered in the offer code indicated on the mailing I received. I again explained that nowhere on the site does it state that I could not qualify if I input the offer reservation number. Capital one has still refused to grant the promised credit. They did not clearly disclose that I could not use the pre qualification or that having another capital one product would disqualify me from the offer. This appears to be a situation where the company has advertised two offers and no clear easily understood indication that the consumer is not eligible for one or the other. Bait and switch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Using the U.S. Post Office, I mailed a check made payable to XXXX XXXX on XX/XX/22 for the amount of {$590.00}. The check was intercepted along the way and the check was altered to make it payable to : XXXX XXXX for the amount of {$990.00}. The fraudulant check was cashed at Navy FCU XXXX ( XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX on XX/XX/22 at XXXX. 
-- XXXX XXXX was contacted and a stop payment was placed on the check but it was too late to halt payment The incident was reported to XXXXXXXX XXXX in XXXX, XXXX, Claim # XXXX & they have not taken any action other than a cursory inquiry. They claim that it has been over 90 days and the Navy FCU has not responded to them. No further action will be taken by them. 
-- A police report was filed on XX/XX/22 for forgery/fraud with the XXXX XXXX Police Dept. XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX. Phone XXXX XXXXXXXX. 
-- The XXXX XXXX XXXX was notified on XX/XX/22 of the stolen check, the claim XXXX XXXXXXXX for their internal investigation. No results or follow up communicationce since then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have contacted XXXX XXXX since XX/XX/XXXX about a " Borrower Defense to Repayment '' after I heard about the XXXX XXXX shut down during the same year. I contacted through phone call and through email again on XX/XX/XXXX. On the initial phone call, the person I spoke with said they will put my loan ( s ) on forbearance until they see if I can get the Borrower Defense to  Repayment. I had to fill out a questionnaire and some form for all of this and submitted it to them. I have emails from then and from various times since then saying that they will contact me soon, etc. I have never gotten any phone calls or emails or letters about my status. I have tried calling and left messages. I have tried emailing and keep getting responses that someone will contact me soon ; yet I have not gotten anything. This year, my forbearance has ended and they just started to bill me for my loans and asking me to pay. This should not have happened because my situation has never been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Experian Information Solutions 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:
These companies keep reporting innicorate information. They always say I dont send id documents i have attached them to this pdf file.

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 2019-02-27
Company: ALLY FINANCIAL INC.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/ 2018, we made the initial payment on our auto loan from Ally in the amount of {$440.00}. We used our XXXX online bill payment service. Several days later we got an email from Ally saying our payment was past due. After calling them, we decided to pay the initial payment again and work on resolving the problem hoping to get a credit. We consulted with our bank, who provided a proof of payment letter for Ally, which we faxed to them, along with proof that we were the owners of the bank account. We have since talked to Ally on the phone, used their online chat, and sent faxes with the documentation of proof of payment and have been told that the situation would be rectified but to date nothing has happened.

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 2021-01-22
Company: PROVIDENT FUNDING ASSOCIATES
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was surprised with a XXXX basis point decrease in credits ( ~ {$450.00} ) for Provident Funding 's " appraisal waiver fee ''. This seems to be an non-industry standard fee that was only disclosed to me after my wife and I completed a Provident Funding loan application and Provident ran our credit. This fee does not show up on the Provident Funding website or in their XXXX app and was not disclosed via my call on XX/XX/2021 with a Provident Funding CSR. Given the loan to value for this refinance is ~40 % I expected an appraisal waiver, but I did not expect to be charged for this waiver, nor was it appropriately disclosed. 

This fee was first disclosed to me when I called Provident Funding to ask about the difference between their loan options described on their application choices vs the lock screens. 

Attached I am including Provident Funding 's rates & credits that are provided and advertised prior to completing an application and their lock rates available after ; as you can see the credits goes down between these two by {$450.00}. These screenshots were pulled at the same time and reflect the same PAR rate ( screenshot with buttons marked apply are at a lower cost than the one with buttons marked lock ). Of note, the appraisal waiver fee is not described ; whereas their Funding Administration fee of {$1300.00} is. 

FYI : Looking into this issue it seems that Provident Funding has a relationship with XXXX the appraisal company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I would like to report the actions of the Credit Reporting Bureaus and XXXX ( credit card # XXXX ) to this forum for investigation into the matter of their illegal attempts to collect money from me after a charge-off has occurred 7 years ago. They are wrong for reporting and re-aging the account on my credit report that should have been removed but is still appearing past the due as of currently while containing falsified information which is damaging my credit score as it is currently showing as if I am failing to pay monthly and XXXX is updating every month as FP up until currently, XX/XX/2018. The account, closed for many years is showing false activity of 141 % utilization which is impacting my credit report in the worst possible way. The account has had absolutely no activity and has been closed and yet it was updated as active, delinquent and every piece of damaging information was renewed, re-reported and re-aged dropping my credit report dangerously low ( FCRA 605 ). XXXX  along with the Credit Reporting Bureaus allow the change of dates and balances to show it as active, that is incorrect. This is unlawful and the credit reporting bureaus have absolutely no right to allow this reporting to continue on my credit reports based on FCRA law which protects consumers when it comes to handling negative information ( FCRA 623 ). I have taken this case up with department store national bank and all three bureaus without resolution or change. I will be pursuing legal action against them and I will include the credit reporting bureaus in the suit of they do not delete the account in question. I found out what they were doing and stopped payment on my check immediately.

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 2020-07-12
Company: Experian Information Solutions Inc.
State: MD
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:
I recently sent letters over 30 days ago to this bureau or these bureaus and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2022-01-06
Company: CURO Intermediate Holdings
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to 18 USC 8, I owe no debt. This company is violating My consumer right to privacy pursuant to 15 USC 1681b 2. Company also has no permission to report anything using my information pursuant to 15 USC 1681 4 After during research online to see if this has happened to anyone else. I found that this company has a history of bad reports from consumers and of other customers. They should be shut down from taking advantage of consumers with the horrible customer services. 
This is a false and misleading tactic used by the company and is it illegal. 

Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.

Company response to consumer: Closed with explanation