BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-01
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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I reached filed a dispute with the Credit Bureaus due to inaccuracy on my Credit Report these accounts below In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights and failed to do or provide a thorough investigation within a timely matter or legal which is not only disappointing but unfair to me as it impacts me on the daily. 
15 U.S.C 1681 SECTION 602 A states i have the rights to privacy 15 U.S.C 1681 SECTION 604 A Section 2 : States a Consumer reporting agency can not furnish a account without my written instruction Dear : To Whom Receives this letter This Letter is to dispute billing errors I found for the amount of {$5800.00} and {$710.00}. I do not recognize these charges and want these off of my credit report. It's an improper charge which I do not recognize and isnt valid. Please update and remove this inaccurate debt off my report. Due to debt error of this unknow fraudulent bill on my Report in collections. Its put a hold which I didnt realize until I looked into my Report Summary and notice a bill of {$5800.00} and {$710.00}. I need this to be resolved removed and updated. Due to the fact of this debt does not belong to me, I dont recognize or authorized it and want it removed. 
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  Please send me a Copy of my credit report with any updates done or inaccuracies corrected updated removed or validated to the address i have listed. thank you and hopefully we can resolve these inaccuracies in a timely manner due to the impact it has caused me and i hope this will be addressed and corrected.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 I contacted PRA to determine why the amount is listed as XXXX, when what is owed is XXXX. Prior to closing the account payments were made to catch up the amount. After hiring XXXX XXXX XXXX, I was notified that the amount was decreased due to those payments made when I was undergoing my payment arrangement with XXXX XXXX XXXX. 

When you log into their site it only gives you the amount of XXXX to settle at 25 % for {$220.00}, which is incorrect due to the payments of $ XXXX {$55.00} that was paid during my arrangement with the XXXX representative prior to the account closing. 

PRA is still reporting that owe more than what I am supposed to pay. If the disputed amount can not be corrected by PRA then this should be removed from my credit report until they can get the correct information from XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Bank of America took advantage of me with this predatory loan that we paid for over 15years 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 


Bank of America, N.A. XXXX XXXX XXXX Fl XXXX XXXX FL XXXX : ( XXXX ) XXXX Account Number XXXX Date Opened XX/XX/XXXX High Credit {$0.00} Credit Limit {$0.00} Terms Duration 15Y Terms Frequency Monthly Months Revd 99 Activity Designator Creditor Classification Items As of Date Reported XX/XX/XXXX Balance Amount {$18000.00} Amount Past Due {$18000.00} Date of Last Payment XX/XX/XXXX Actual Payment Amount {$0.00} Scheduled Payment Amount {$0.00} Date of 1st Delinquency XX/XX/XXXX Date of Last Activity Date Maj. 
Del. 1st Rptd XX/XX/XXXX Charge Off Amount {$18000.00} Deferred Pay Start Date Balloon Pay Amount {$0.00} Balloon Pay Date Date Closed Status Charge Off Type of Account Mortgage Type of Loan Second Mortgage Whose Account Joint 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 explanation
Consumer complaint received 2019-03-10
Company: WELLS FARGO & COMPANY
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This could be filed as separate complaints, one is trying to get Wells Fargo to cooperate on repayment negotiation, second they have exceeded the agreed percentage rate and lastly they will not provide copies of the loan documents.

I have been calling, emailing for about 3 years to get Wells Fargo to cooperate with me. They are charging more than can afford being off and on unemployment twice in the last 3 years. My payments are over {$700.00} a month now. I have almost completely drained my retirement savings and have had to sell pretty much everything. I am making on time payments. Have not been late, and I did have the loan in deferment while on unemployment, but they will NOT reply to getting this loan rate lowered/adjusted and they can not provide me copies of signed documents. 
Originally this loan was setup not to exceed 8 % interest. It is now at 8.49 % and it goes up every other month. 
I can prove all of the information provided and have documentation and notes. 

Please help. I am XXXX and have no savings left to retire on. I am enslaved to Wells Fargo for {$74000.00}. It is as much as my mortgage. I need help and have no where else to turn. 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 2023-02-02
Company: Atlanticus Services Corporation
State: MO
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 / ASPIRE was incorrectly listed as a credit line decrease to {$1600.00} when on the statement below you can clearly see my credit limit as {$1900.00}. I received a credit limit increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX has been reporting on my account since XXXX of XXXX  with a {$1000.00} credit limit. Never used but they show it never late paid on time. They are now reporting the account closed since I disputed it with the three agencies. The problem is I never had this account. I am sure its some kinda credit card but I have never had mail from XXXX XXXX XXXX. Either this is credit fraud or improper reporting to my credit report. If they so easily closed the account after my dispute with the three agencys then its not a problem them removing them self all together, or provide me proof I opened an account with them, and how I opened this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX XXXX, Bank representative XXXX-XXXX-XXXX/cell XXXX XXXX XXXX  XXXX XXXX XXXX , FL XXXX XXXX Bank telephone number Business Savings Account XXXX was opened on XX/XX/XXXX with a {$15000.00} cash deposit to qualify for a {$200.00} new account rebate offered by Chase Bank of XXXX . 
The {$15000.00} was to remain in the account for 90 days and then I would be credited {$200.00}. 
Account not credited. I called XXXX XXXX in XXXX about the {$200.00} but was told the manager was sick and she would get back with me. 
Called XXXX XXXX on XX/XX/XXXX, was told she was busy and left a message with a man who answered the branch Chase telephone that he would send an email to her. I also called her private cell telephone number with no return call. 
On XX/XX/XXXX, I went into the Chase Bank and met with XXXX and gave her documentation regarding my account. I asked to speak with the manager and was told he was not well. 
I feel that Chase is avoiding paying the agreed amount of money for opening the new business savings account and will follow up with a complaint. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX  XXXX, FL XXXX-XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: AL
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:
Fraudulent inquiries due to me being a victim of identity theft through the XXXX XXXX data breach. XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/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 2023-05-17
Company: Experian Information Solutions Inc.
State: CA
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:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED 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 2023-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I paid the full account balance of XXXX. When the balance was XXXX I selected the balance transfer option on the capital one app. It offered me 0 % interest for 12 months on a balance transfer with a 3 % fee. I selected that option and the balance transferred XX/XX/XXXX and I was assessed the 3 % fee on XX/XX/XXXX. On the XXXX and XXXX statements was charged interest on purchases. I have made no purchases. I only has the balance transfer which was to be XXXX percent. I spoke with capital one and they insist that offer didnt exist. That I instead had an introductory rate and it expired in XXXX. This is completely false and they refuse to honor the agreement. I escalated to a supervisor and was told there is nothing anyone can do and that the offer I selected never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ON XX/XX/2021 AND XX/XX/2021 I SENT CERTIFIED LETTERS TO XXXX XXXX, AND TRANUNION STATING THAT I WANTED TO SEE VARIABLE PROOF OF INACCURATE INFORMATION THAT I SAW ON MY CREDIT REPORTS. IT HAS BEEN 2 MONTHS AND I HAVE NOT RECEIVED AND MAIL OR PHONE CALL FROM ANY OF THE BUREAUS. PLEASE ADVISE. BELOW WILL BE THE INACCURATE ACCOUNTS : XXXX. XXXX ACCNT # XXXX {$1900.00} XX/XX/2021 XXXX. XXXX XXXX XXXX XXXX # : XXXX {$2400.00} XX/XX/2021 XXXX XXXX XXXX XXXX # : XXXX XX/XX/2021 {$1100.00} XXXX XXXX ACCNT # XXXX XX/XX/2021 {$1000.00} XXXX XXXX XXXX # : XXXX XX/XX/2021 {$1300.00}

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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 a account without my written instructions I am not liable for this debt with XXXX XXXXXXXX XXXX  and do not have a contract with XXXX XXXX XXXX. They do not provide me with the originial application like I asked.

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 2017-09-25
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX a male XXXX salesman selling water filter system items. He then conducted his presentation of the company 's items for the amount of {$5000.00}. I told him that I did n't have those amount of funds, he then asked me if I was renting or buying this property. I told him buying, why? he stated that no problem his company have a finance company that will accept me all I have to do is sign the loan application, I accepted in signing for the a loan amount of the cost for a water filter tank & accessories numerous years past and the fee agreement never decreased, so I called Castle Credit Corp, and requested a explanation of as to why my loan has not decreased. the female agent refused to respond to my allegations, only stated " IF DO N'T PAY UP, YOU ARE GOING TO LOSE YOUR PROPERTY BECAUSE WE OWN IT '' I stated you 're joking, she No, do n't pay up, then wait and say goodbye to your property. I was so mad that I hung up. On this year XXXX, I choose to refinance my home, and everything was going fine, until they discovered that Castle Credit had placed a LIEN on my property under " HOME IMPROVEMENT '' section. I was not aware of that agreement, I thought a bought a water filter tank. I would NEVER use my {$190000.00} property to cover this transaction, I was scam that salesman, castle credit sales agent never mentioned it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a XXXX XXXX with a name that is similar to mines and XXXX XXXX XXXX that is XXXX number off from mines. After examining my credit report, our identity is being mixed. Her name address and social was popping up under my credit and her name was listed as an " XXXX. '' I 've called and written letters and the issue is still ongoing. Many of the hard inquiries on my credit does n't belong to me. Working in law enforcement requires my credit to be decent and this has tremendously lowered my scores. Not only that, it 's hard for me to do many things including my credit and I ca n't because of the mix up. Thanks for your time and concern. 

Sincerely, 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 2020-07-11
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Dovenmuehle Mortgage account was disputed and removed in XX/XX/XXXX from my XXXX  credit report. This was a mistake, at the time of the first reporting account was unfamiliar but in fact valid.This was due partly to the loan being transferred from my previous lender, which I was unaware of at the time of the dispute. Since then, the account has been reported by Dovenmuehle the lender as accurate and updated monthly. Yet, XXXX still continues to suppress this information and essentially blocking the tradeline. As of XX/XX/XXXX account was reporting creating a fico score of XXXX, as of XX/XX/XXXX this information went missing resulting in a lower fico score of XXXX. This is damaging to my credit score and worthiness as a consumer. Covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Experian, XXXX, and XXXX There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as a consumer. 

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  ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response.

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 2023-02-27
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Firstmark Services manages the servicing of one of my student loans. I have monthly automatic payments set up which covers the standard monthly principal, interest, and any fees. Over the last several years I have been making extra payments over time in order to pay down the loan faster. Upon discovering that these extra payments have been applied as a " regular payment '' instead of extra payments towards the principal balance, I called the customer service department and requested that they make a correction and apply the extra payments as payments towards the principal. I was told that I can not do that and that all the extra payments have been appropriately applied ... as a " regular payment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Mr. Cooper Group Inc.
State: DE
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:
In XX/XX/XXXX I financed my home with a USDA rural housing loan for {$100000.00}. XX/XX/XXXX I put my home up for sale at XXXX XXXX XXXX XXXX, PA XXXX with XXXX XXXX XXXX due to employment need. The home could not sell and foreclosed XX/XX/XXXX {$2400.00} to the Mr.Cooper Bank whom was serving the loan at that time. On XX/XX/XXXX the Bank sold said home at auction for XXXX and the consumer later sold the home to its current owner for {$110000.00}. In XX/XX/XXXX I was notified by Mr. Cooper that the USDA insurance coverage satisfied the balance roughly {$33000.00} which was in line with my loan type. The account was reporting as early as XXXX on all major 3 credit reports as {$0.00} balance. However I discover Mr.Cooper Bank started reporting the mortgage again for the loan amount of {$100000.00} as if they never received payment. I called Mr.Cooper at XXXX on XX/XX/XXXX and spoke with XXXX representative in TX who informed me that is was I still owe and that she had no record of sale and or money received from USDA funding which guaranteed the loan. And because of that they had a right to report the balance as unpaid. The loan # is XXXX. She say the property is currently bank owed, a completely false statement. Public record shows this property was sold at auction! And Federal Money paid the remaining balance. This bank is in violation of FCRA and Fair Debt Collection Acts. This misinformation is impacting my debt to income for a new loan. Also the are trying to collect money for a loan that was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear XXXX, XXXX, and Equifax There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as a consumer. 

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 XX/XX/XXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response. 

Thank you.

Company response to consumer: Closed with explanation