BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: AR
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 has fraudulently reported to my all three credit bureaus, they have lied about it and ruined my credit, also did not honor the Covid 19 assistance issues. Many times over the current loan, the balance has increased after payments Since the 4rth month into the loan, thankfully I just got my credit reports and found this fraud??? Not good... They do this to many people I have read and I want my balance corrected! They are crooks and have had a mutil million dollar settlement they have to pay for doing this to customers and I just checked today and it is still happening, unreal... Please help me as I am XXXX, as many are I have read. They are terrible for doing this to folks. I have reported them to the XXXX as well, as many many customers have. Its time to give people the justice they deserve and shut this company down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: CL Holdings LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was fraudulently used in my name. I contacted XXXX XXXX multiple times to inform them I was not responsible for the charges but they never removed the false charges and late fees kept rising. The account was then showing closed through the credit bureau and discharged but now is showing to be reopened. I am not responsible for these charges Since I did not create them. The account was closed on XXXX XXXX XXXX. It is now showing re opened on XXXX XXXX XXXX. The amount is {$1800.00}. The debt collector is XXXX. The original creditor is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Check and Go XXXX XXXX XXXX, XXXX, TX XXXX Employee : XXXX XXXX Called and first thing he asked for was my DOB to verify identity. I asked him why and he did not give details, but insisted for the DOB and then I found out it was for a payday loan he was trying to get approved. I did not apply for a loan. I have a security freeze on my account. The caller said I do not have a security freeze listed on my social, but I know this is incorrect. 

I also checked my credit report and see this company pulled my credit without my consent. 

This could be a fraud scheme to get my identity in order to get a loan under my name without my consent. It was a very suspicious call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
FAILING TO DISCHARGE ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHAP. 48,49. JUNE 5, 6,1933, HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 BANKRUPCY ACT OF 1933 I sent my remittance slip/Bill of Credit Approval to Bank of America Processing Center XXXX XXXX XXXX XXXX XXXX, DE XXXX via first class mail. I also sent a copy of my remittance slip/Bill of Credit Approval to the Chief Financial Officer and the Registered Agent via certified mail and return receipt. Both received on XX/XX/XXXX. Until today, the bank has not credited my account and XXXX it pursuant to 15 U.S. Code 1666d. As per UCC 1-202 Notice ; Knowledge was given to the CFO & Registered Agent via cert mail and return receipt. The debt is XXXX upon receipt. Negotiable instrument is legal tender and if it is refused, there is XXXX pursuant to UCC 3-603. There is no money to pay because of the Bankruptcy Act of 1933. A negotiable instrument is legal tender according to the IRS employee handbook and the International Bills of Exchange. They are acceptable form of payments. I received a letter form the Bank to discuss credit card request. This is false and misleading because when I called them it was to discuss my credit card PAYMENT. I spoke with a customer service representative and XXXX XXXX from Client Care, Executive Response Team, Bank of America and neither of them knew what negotiable instrument was. They were not able to help me with this matter.

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 2020-04-24
Company: Self Lender Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX of 2020 Self Inc. reported a late payment. I didn't realize it until XXXX and I contacted the customer service department they told me they could not fix it at that time I could not understand the error. Now XXXX I figured out the issue and screenshotted the info. I know the info was updated it was confirm with the rep and if I hadn't double check the issue, the problem would have happened again. The autopay was not correct again and if I hadn't manually paid the payment and checked within the 15 day grace period, I would have had yet another late on my credit report. Everyone makes mistakes and I requested for it to be corrected but they are trying to act like its my mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a 609 letter to TransUnion asking for original documentation of verification of 4 items on my credit report. This letter was mailed via certified mail with tracking on XX/XX/2022. The letter was received on XX/XX/2022. ( Mail receipt tracking number through XXXX is XXXX ). 

On XX/XX/XXXX, I received a response from TransUnion, which they issued on XX/XX/2022 saying that their investigation results prove that all information is accurate for all four accounts I inquired. They did not include any original documentation, they did not include any description of procedure used to determine accuracy and completeness of investigation. They did not include any names, address or phone numbers of persons contacted regarding each account to verify information, and no other original forms, with or without signature, were presented to verify their investigation. 

On XX/XX/2022 I responded to TransUnion with another letter, asking for proof and method of investigation, asking for the documentation listed above. This letter was received by TransUnion on XX/XX/2022 via certified mail XXXX tracking number XXXX. I also asked that if they were not able to provide proof within 15 days, in compliance with my rights with the FCRA, that these 4 items be deleted off my account immediately. 

On XX/XX/XXXX I received a letter from TransUnion stating " Our records show that we previously completed an investigation of the below items, and the data furnishers verified the information on your credit file. '' There was no further documentation proving the method of investigation, or any original documentation to back their investigation findings. 

According to the FCRA, TransUnion is in negligent non-compliance with the FCRA, and are required to delete the four items which they were not able to show proper verification on. They are refusing to show proper verification, and are refusing to delete these items.

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 2022-03-11
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan was with XXXX XXXX. I utilized CARES act to temporarily halt my mortgage payments. 
I began repaying in XXXX of XXXX. The loan modification process kept being dragged and I was getting excuses, so I filed a complaint. As soon as they received the complaint, they approved a loan mod at XXXX percent and then sold my loan to PHH before I could even sign the paperwork.

I contacted PHH in XX/XX/XXXX to start making payments in compliance with the terms of the loan modification. They didn't even have an account number to give me, and I had to got o a supervisor to make payment with them. Since the very first contact they tell me every time that I am one week away from my documents being complete.

They sent me a loan modification in XXXX that had raised my interest rate to 4.15 percent. I immediately contacted them and told them that they had to comply with the interest rate offerred to me via XXXX XXXX. They said that they would have the loan mod updated and sent to me XX/XX/XXXX. I contacted them today and they have given me the standard line that give them a week to have the loan updated. Meanwhile, I am getting emails from them stating I haven't made my payments ( all three loan trial payments were made. Two in XXXX and one XXXX. They also emailed me what they said is the updated loan modification. But now are saying its still being reviewed. I have a payment due in XXXX and do not know what my payment is because they haven't completed the documents or are sending me false/fraudulant documents. 
I can scan and send all emails and mortgage docs you need upon asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Nelnet, 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: Account status incorrect

Complaint:
Was told my account would stay current with no missed payments while I was under the forbearance, but they still reported missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This company is reporting a late payment in XXXX and that is incorrect.

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 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
I have been disputing on my credit report for almost a year now the bureaus have remove some items but some items I know there not verifying at all and it's inaccurate on TransUnion I have a total of 6 Dept of ed that's reporting wrong and hurting my credit on XXXX there's a medical bill that was remove and place back on my account without them notifying me first and there's two repos on all three reports that's reporting different that the bureaus refuse two investigate and XXXX keep reporting a bankruptcy that they refuse to explain how they verifying the item

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 2017-10-31
Company: Experian Information Solutions Inc.
State: MD
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:
An additional complaint against Experian. I requested my credit score from Experian and in the process of paying for this score, I was also asked to create an account. I was faudulently charged {$39.00} instead of {$4.00} for this experian credit score, and I submitted a complaint to the CFPB ( # XXXX ). Thereafter I called Experian to inform them that I filed a complaint with the CFPB against them and wanted to provide Experian with the complaint number, only to be informed that the {$4.00} was for the 1st month and that I would be charged {$19.00} thereafter for a monthly membership! A fact I was not aware of until I called Experian to provide my CFPB complaint number to them. I never signed up to be a member of the club of consumers requesting their credit score, that makes no sense. The Experian representative informed me that the membership information and charges were tucked away in the terms and conditions link. I informed the respresentative that such information ( charges, any sort of membership etc, etc ) must appear upfront and not in any terms and conditions. I never clicked on or read the information in the terms and conditions, because {$4.00} was such a small amount. 


I told the representative I never agreed to any membership or any membership fee, and that I wanted to cancel this " membership. '' While on the phone with this representative I also asked her where in my experian account online could I cancel this " membership? '' The representative informed me there was no way for a person to cancel the membership online, and that anyone wishing to cancel their membership must call Experian to cancel, this is despite the fact that I created the account online. So I had her cancel the membership. 

Though my complaint is technically resolved, the CFPB should be made aware that there are millions of other consumers that would no doubt have fallen victim to Experian 's 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 2017-10-31
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried several attempts to resolve the issue with Hunter Warfield but no response to the issues at hand. provided court record to the dismissal that XXXX XXXX did not respond to the court of on going issues and other issues at hand. XXXX XXXX did not respond to legal mail sent to them on the issues at hand. 

If the matter cant be resolved I will be force to take this back to court and let a judge ask why XXXX XXXX never showed up to what they file on and there was 2 times they never showed to court and there was on going issues at hand as well.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
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:
I am sending this message in regard to the problems i see listed on my credit report. 
Personal Information : XXXX XXXX is correct. XXXX XXXX & XXXX XXXX is reported in correctly. Address : All the address listed on my credit report is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, all accounts listed under this address i am unaware of and is fraudulent. I have sent several certified letters over to dispute this claim in a professional matter and you haven't responded since 2017. I was affected by several breaches over the year and i am a victim of identity theft. You have violated my rights as a consumer. This is my final notice and message to inform you of litigations. I am forced to take this matter to court along with all evidence and paper trail work. You have violated my rights as a consumer in the FCRA section The Fair Debt Collection Practices Act ( FDCPA ). re-aging an account by updating the false date of last activity on my credit report in the hopes of keeping negative information on my account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation.FRADULENT ACCOUNTS : 1. XXXX XXXX XXXX   {$10000.00} 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXXXXXX 4. XXXX XXXX {$15000.00} 5. XXXX XXXX {$12000.00} 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX FRADULENT INQUIRIES : XXXX 2.  XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7.  XXXX XXXX 8. XXXX 9.XXXX XXXX 10. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Contstantly popping up on my credit never did business or know what this company is I have filed police report and ftc report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY NAME IS XXXX XXXX AND I'M A VICTIM OF IDENTITY THEFT AND I'VE BEEN TRYING TO GET MY CREDIT FILE CORRECTED DUE TO THIS UNFORTUNATE SITUATION. I'M NOT HAVING ANY LUCK WHEN I SUBMIT MY INFORMATION DIRECTLY TO THE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: NC
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 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 instruction.

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 2020-05-21
Company: Utah System of Higher Education
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: Their investigation did not fix an error on your report

Complaint:
I'm disappointed to see late payments on my credit payment history with XXXX, I tried to reach out to them but no reply ... The thing is I don't remember being late on paying my obligations, or else I did not receive the bill for me to pay on time. I appreciate you help with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or missing disclosures

Complaint:
On XXXX XXXX, I went to my local Walmart XXXX run some errands. After finishing my grocery shopping, I went to the Walmart XXXX XXXX to purchase some money orders. After waiting in line, I was told by the XXXX on duty-XXXX, that the particular location at XXXX XXXX XXXX XXXX, XXXX, CA XXXX had adopted a policy to turn away XXXX people. When I asked him to clarify, he said the store management had identified XXXX as suspicious and told me to go to another grocery store. I believe that Walmart does not have any policies against people of a particular descent and felt that the XXXX was discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
My husband and I were affected by COVID these from XXXX through XXXX. I was charged late fees on XX/XX/XXXX for {$38.00} XXXX, XX/XX/XXXX {$40.00}, and XX/XX/XXXX for {$40.00}. I asked the credit card company, Capital One credit card to refund me due to the Covid hardship I spoke with XXXX and XXXX a senior account supervisor and she could not help and could not refund it. She said I should have called when my husband was ill. I find this to be bad business and not true to their website. Their website states that they can help with financial issues during COVID. I found their supervisors to not be helpful at all. They said I should have made a call even though he was sick. I could not make a call during that time. I could not, I had a sick husband and a special needs kid. They said it was my fault for not calling. I find that to be bad service and a pandemic is a unique, difficult situation. I was caring for my husband and focused on his husband 's life, not calling the credit card company. It is also a financial burden. 

Can you please help to reverse my late fees? 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief