BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this to inform about a false derogatory mark on my credit history. The company receivable performance has added a derogatory mark saying that I owe {$720.00} to XXXX. However this is a false accusation, I do not owe anything to XXXX I paid this account in full in XX/XX/2016 and closed the account. Here is the further explanation below Receivable performance has never made an attempt to contact me either by phone, text, email, mail. Absolutely no communication at all. 

I closed my account with XXXX around early/mid 2016 after full payment was made. 

XXXX XXXX never communicated to me that a balance is due ( which I don't believe so ) despite having my email address, mailing address, and phone number. 

I went to T mobile stores multiple times during the week of XX/XX/XXXX to XX/XX/XXXX, to find out what is due on my account and an explanation of the charges, they do not have anything. They couldnt show me any evidence that I owe them money Account was closed 6 years ago and what were they doing for the last 6 years? No attempt to communicate this, no proof that my account has a pending balance. 

I need an explanation for why/what I owe them money? Why have they not reached out to me since 6 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 2022-02-07
Company: Hello Digit, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
After recently returning home from traveling, I got my mail only to find a XXXX debit card for an account I did not open. As a result, I determined someone must have fraudulently opened the account through XXXX in an attempt to get me to activate the card once I received it. Instead, I immediately reached out to XXXX, but as of yet have not been able to get a written confirmation from their support teams that the fraudulent account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
XX/XX/XXXX received an offer to consolidate student loans at 3.75 % With American Education Services ( AES ) After 36 months of on-time payment the rate would drop to 2.75 percent. Even thought I made more the 36 payment time way before XXXX it was not given to me until I called in on XX/XX/XXXX. the balances consolidated were XXXX Subsidized and un-subsidized balance of XXXX. So I happen to check the month statement today and noticed balances of XXXX, XXXX and XXXX the monthly payment is XXXX XXXX applied to principal and XXXX applied towards interest. I called said this doesn't add up to 2.75 percent. They explained there is a daily interest rate added. That was not disclosed to me nor was it clear 33 year term to pay attached. This deceptive. Do not say 2.75 interest rate if there are daily rates attached just say so upfront. They failed to disclose this in plain writing for view. Looking at this now I am not getting 2.75 more like 40 percent monthly. Tell me the its 33 years or let me pick how many years I want to pay back. This is very deceptive to date I have XXXX and will not be finished according to schedule until XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have had an account with kohls charge card for about 7 years. I have always paid on time and never been late and have perfect credit! This company stated I made a late payment in XXXX, I have called this company several times to dispute this as well as XXXX, I have mailed XXXX letters and their customer service explained all my payments were received and even though I pay them in advance they were applied to the wrong statement months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: OneMain Finance Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every month, when the payment is not received by the due date, the company starts harassing me by calling up to 3 times per day Monday to Friday and up to 2 times each Saturday, up to 32 calls a week. I am never 30 days late ever, but the calls 3 times a day is annoying especially since they do not leave a message and at times will use numbers from other area codes and will not utilize my email and have not honored the the cease and desist letter sent in XX/XX/2023. The company refuses to refinance the current balance unless I want to increase my loan. Company has never honored the split payment, 2 times a month request. There are violating the 7 7 7 rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: NJ
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting 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 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 then records of convictions of crimes which antedates the report by more then 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 explanation
Consumer complaint received 2022-02-07
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
they billed us for the appraisal before we found out the excessive closing cost. we would have never have paid the appraisal had we found out the amount of closing cost. we were never late with payments and we were just refinancing to get a better rate and save dollars. we are both in our XXXX 's and we feel scammed out of appraisal fee of {$640.00} that we paid. We have been with Wells Fargo since our first payment and never been behind. You would think that they would give us the benefit of the doubt. This is just terrible and we are surprised that a company like them would do this.

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 2022-07-05
Company: CITIBANK, N.A.
State: FL
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:
Unbeknownst to me, XXXX XXXX XXXX, XXXX. filed a lawsuit against me without informing me. I received numerous attorney advertisements via USPS stating that XXXX XXXX XXXX has filed a lawsuit against me to collect a credit card debt. I went online to the XXXX XXXX XXXX XXXX XXXX website and saw that they violated HIPAA by sharing my doctors information and tests that were conducted on the credit card statement XXXX XXXX XXXX posted publicly for the whole world to see. This information should have been redacted. This has caused severe stress and anxiety. I am XXXX with a severe and debilitating illness. They violated my privacy and caused my health to decline even further.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end. I am exercising my right as a consumer and I demand that you immediately delete and remove this information from my credit report as you are hindering me in finding a stable job to provide for the needs of my family. 

-- FOR TRANSUNION & XXXX -- XXXX XXXX I found that XXXX persists in reporting these accounts as late when it comes to payments. It is definitely an indication of inaccurate reporting. Here are the accounts I am referring to : 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 2022-09-11
Company: Experian Information Solutions Inc.
State: NY
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 ( FCRA ) -- > XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 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 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 new & updated information on TRANSUNION, XXXX, and XXXX. Someone is using my identity to furnish items on my behalf. TRANSUNION, XXXX XXXX XXXX don't have permissible purpose pursuant to 15 USC 1681b. On XX/XX/22 I filed an identity theft report with the fraudulent accounts attached and sent it to them. TRANSUNION received it on XX/XX/22, XXXX received it on XX/XX/22, and XXXX received it on XX/XX/22. Theyre in violation of 15 USC 1681c-2 for failing to block the reporting of the fraudulent items 4 days upon receipt. I will attach my Identity theft report and my proof of identity along with my statement of identity so no further stalling tactics will be used by them. They have all the identification they need to remove these items from my consumer report. 

They= TRANSUNION XXXX XXXX XXXX and XXXX Them= TRANSUNION, XXXX, and 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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 recently pulled a copy of my Trans Union, XXXX, and XXXX credit report and noticed that I have been a victim of Identity theft. I am in disbelief and this is very XXXX breaking as I am in the process of becoming a homeowner. I tried removing these fraudulent accounts, inquiries, and addresses in the past but nothing changed. The credit bureaus are not abiding by the FCRA Laws 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 XXXX XXXX have noticed fraudulent accounts and unauthorized inquiries appearing on my credit report. I have uploaded a ftc report and personal identification below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion credit report company has been violating my consumer rights under federal laws. Transunion add a Collection account on my credit report on XXXX XXXX, and this collection shows as Open on XX/XX/XXXX, they added on XXXX, XXXX. After that they closed this collection account as Closed Status, on XXXX XXXX and XXXX more time was changed to Open Status, for them without my consent on XXXX XXXX, even the creditor name is incorrect and as federal laws requires any inaccurate information has need to be removed from my credit report and they refusing all the time, this is illegal, creditor name is XXXX XXXX and Transunion shows as XXXX XXXX XXXX, information is not accurate also the add this collection account on my report on XXXX XXXX and collection is supposed to be added on XX/XX/XXXX, they added 2 years later, this is illegal, and they do this without mi consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Phoenix Financial Services LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX I received a " second notice '' of a debt owed, now in collections. 1 amount from XXXX, another in XXXX. Both of which I have no memory of taking on a debt or needing to have any kind of assistance that would require a service not paid for. I have emailed Phoenix Financial Services for the 2nd time disputing the claim/collections. They have now also put a collections notice on my credit report as well. The amount they show as " owed '' can be immediately paid off with an amount that is less XXXX the $ $ as what the total " collection request is '' if I pay immediately. $ XXXX of what I owe isn't even the " pay now to resolve '' amount. Too many problems with this, it's clearly false, fraudulent or accidental somehow. Now that my credit score has been lowered, I need help. I have never received a bill, a notice of service not paid for, no idea who the original debt is owed to or why. All the sudden I'm in " collections'..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold from Rushmore to XXXX XXXX on XX/XX/2022. Rushmore sent my insurance payment of {$1200.00} to XXXX XXXX XXXX in XXXX of XXXX in a mass payment of {$220000.00}. I received a cancelation notice from XXXX XXXX for non-payment in XXXX of XXXX. The cancelation notice states, '' The amount due includes a {$1200.00} check was not honored by the bank. '' Rushmore never transferred the money to XXXX XXXX other than {$400.00} that was left in my escrow account. I have been trying for three months to get this fixed but I have been unsuccessful. Rushmore has lied to me, XXXX XXXX and XXXX XXXX about the {$1200.00}. I have spent 70 hours on the phone and I need your help! XXXX XXXX has increase my monthly mortgage payment by {$68.00} to cover a shortfall in the escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be deleted. 

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 explanation
Consumer complaint received 2023-03-06
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a balance of {$92.00} on my XX/XX/XXXXXXXX  bill. I paid this in full, i mailed the check 5 days prior to the due date although they didn't process it for several days after ( converted to ACH so I can't get a copy of the item from my bank. ) When I saw my XXXX  bill, I tried to call but was unable to reach any one. I did call in XXXX but the person I talked to was very hard to understand, foreign accent. I asked to speak with her supervisor and was placed on hold for over 30 minutes then the phone disconnected. I then sent a message through their web site but did not get a response. On XX/XX/XXXXXXXX  I mailed a letter to the address listed for disputes on the bill and did not get any response. I sent a message on XX/XX/XXXXXXXX  to the customer service section on their website and received message that they would research the issue and in the mean time would not charge late fees or report late payments to the credit reporting agencies. In XXXX, I was trying to shop for new car and homeowners insurance and found out that XXXX is in fact reporting me as late payments. This is the only negative line in my credit report. I now have received a bill from XXXX  showing my balance of {$190.00} which is ALL fees. I have made NO purchases so these are fees in a XXXX  balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting 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:
I notice some unauthorized hard inquiries on my credit report i would like removed i did not give my permission for credit to be ran According to the FCRA, these unverified and unauthorized items must be removed

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