BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: ENCORE CAPITAL GROUP INC.
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:
I have been contacted by Midland Credit Management atleast 8 times now in the past week and a half. They have used skip tracing tactics to contact me a family member of the person they are seeking. I have on several calls told them to stop contacting me and remove my number, they ignore these requests and spoof a fake number every time they call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I submitted a dispute to all 3 credit bureaus ( Experian, XXXX and XXXX ) on or about XXXX. As of today I have not received any response from XXXX and although I did receive a response from Experian and XXXX, they did not resolve the fraudulent issues on my credit report. 
XXXX completely failed to respond in a timely manner to my dispute requests, whereas XXXX and Experian just failed to properly investigate my accounts. I have attached a copy of my Identity Theft Affidavit and my Police Report for reference. 
I am demanding the bureaus comply with Federal Law and immediately remove the disputed information from my credit report as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ) and 605B.

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 2020-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
a signed for a 60 months term. every month I pay extra to principal in order to finish faster. the problem is that the charge me interest on the extra payments and also they keep them as a credit in the account, calculate the interest and then apply the extra to the account. Last month my payment due was {$380.00}. I paid a total of {$800.00} and they applied it the following way : Reg. payment : XXXX Principal XXXX Interest XXXX Payment XXXX Principal XXXX Interest XXXX principal pyment XXXX Why they charge me interest on that XXXX if it was part of the almost {$410.00} I paid extra to principal?. Why the interest is the same if a payment was made and even knowing that should not be charged they calculated the interest over the same previous balance? 
That happens every time and they say to me that I do not know how it works.

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 2023-02-01
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
We had a person living in our household to help them out. NOT a family member. This person took out a Sallie Mae Student loan in XXXX. Shortly afterward this person moved out of our home and apparently has not kept to their loan agreement. Since they lived in our home, I have been receiving calls looking for them. I informed we no longer have any contact with this person to stop calling. 

This is what broke the camel 's back. It was bad enough I received numerous calls throughout the years, however now my family members are receiving calls as well. On XX/XX/XXXX, I called Sallie Mae and informed them to stop calling and they asked for the numbers that were being called. Advised. I told them this is not the first request, and they are breaking the law by not complying. XXXX XXXX XXXX I received a voice mail demanding a message to be given to this party. 

I want the calls to stop, we have nothing to do with this debt nor this person,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: Experian Information Solutions 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/2020 I sent documentations to the Bureaus for unknown and inaccurate accounts on my report its over 30 Days today but I didn't received any response. I was a victim of XXXX Data Breach. I demand to deleted those accounts or I will file a litigation.

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 2020-12-01
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/2020 I sent documentations to the Bureaus for unknown and inaccurate accounts on my report its over 30 Days today but I didn't received any response. I was a victim of XXXX Data Breach. I demand to deleted those accounts or I will file a litigation.

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 2017-08-10
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a wire of XXXX to my coinbase account and it was supposed to be credited within 1-2 business days. I am on the fourth business day and it 's still not credited. I followed the instructions fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Upgrade, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Charge was made on XX/XX/20 {$500.00} and refunded by the merchant on XX/XX/20. The credit card provider UPGRADE has not provided me with the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions 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 writing a request to investigate information that does not belong to me. These items are not correct and they are causing me financial and emotional distress. I have absolutely no knowledge of this account and have sent letters requesting validation to the company, to no avail! The listed information is completely inaccurate and must be 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 2018-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent an a debt validation to Capital One asking them to validate the debt they are saying I owe they then sent me a letter back asking me for my account number and a various amount of other information basically the information they are asking me for is a way to get me to unknowingly verify the day I feel like they have no signed contract on file for me therefore I am asking that they remove this debt from all three credit bureaus XXXX   XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: ACOPIA CAPITAL GROUP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Acopia refuses to correct its record to reflect my correct payment dates. My XXXX and XXXX payments were cleared/received by Acopia on XXXX XXXX and XXXX XXXX, respectively ( which Acopia acknowledged ) ; however, Acopia recorded my XXXX and XXXX payments as XXXX XXXX and XXXX XXXX, respectively, and refused to correct its errors. The reason Acopia gave me is that its prior servicer forwarded my XXXX payment to them on XXXX XXXX and it applied my XXXX payment to XXXX 's balance due. The fact that Acopia changed it 's servicer is not an excuse to record my payments inaccurately. I paid my mortgage payments timely, and now Acopia recorded it as late. Although no late charge was assessed, I can not accept the incorrect recording of my payments, which would probably affect my credit history. I have brought this matter to Acopia 's attention since end of XXXX when I did n't see my XXXX payment on the XXXX statement. Numerous follow-up were made since then. Acopia acknowledged that my payments were received on XXXX XXXX and XXXX XXXX but refused to correct it 's accounting errors : their records are now showing my XXXX and XXXX payments were received on XXXX and XXXX, instead of the correct dates of XXXX and XXXX. Attached are two sets of recent communication with Acopia.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, 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 ( FCRA ) this creditor has violated my rights under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported with several different open/closed dates, balances and last payments dates which is a violation of FCRA and Metro 2 Compliance. 
I have disputed this several times in attempt to correct the inaccurate information that is being report, however they has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2020-07-02
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 I contacted my mortgage company ( NewRez ) to inquire about stipulations & terms of CARES act forbearance policies. I was not given answers that satisfied my questions about terms of repayment. I was told that I would be contacted and provided more detailed information. I continued to pay my mortgage, uninterrupted and did not see any indication of forbearance on my monthly statements nor on the online servicing portal. 
On XX/XX/2020 I was inquiring with another entity about refinancing my mortgage. I was told that my loan was in forbearance. I was shocked and then became outraged that NewRez had taken the liberty to alter the terms and conditions of my loan without my informed consent. I contacted NewRez and asked how this could happen without my informed consent. Their response was that it was done automatically simply because I had inquired about it back in XXXX. This particular NewRez consumer finance practice seems highly irresponsible and probably illegal. During my XX/XX/XXXX call, I was told the forbearance would be removed on that day. I am currently awaiting verification of that. 
I would like to know what my consumer rights are when terms and conditions are altered in this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX XXXX, 2017, I received 3 statements from Charles Schwab, indicating that I had recently opened up accounts with them. Each statement had 3 different account numbers listed and wanted me to verify my information was accurate. I had no knowledge of opening up these accounts with Charles Schwab and called them immediately. I spoke to a representative who asked me a couple of security questions and realized this was fraud when my mother 's maiden name was not established by whoever opened the account. My address was also listed in Georgia when I live in California. The representative transferred my call to the fraud Department, where additional information was taken from me. I was told that my case would be investigated and a fraud response provided when the investigation was complete. The fraud representative advised me to place an alert on bank accounts, credit bureau 's, CFPB and Identity Theft.gov, in addition to filing a police report. I am currently in the process of doing these recommendations.

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This complaint involves XXXX XXXX XXXX XXXX Account XXXX. 
This account is found on my Trans Union Credit Report. I am disputing the accuracy and legitimacy of this account charges. When these charges initially surfaced, I contacted XXXX and reported the charges fraudulent. The largest of the largest charges, I was able to track to a furniture store who provided me a copy of the signed document receipt. They provided information that an older female signed the invoice and the delivery address was not my address nor was it an address I had ever lived. I provided XXXX  this information and subsequently, I provided XXXX all local Police Reports, and Federal Identity Theft Task Force reports of the identity theft and fraudulent use of the card. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and Trans Union have failed to do either. The other two credit bureaus, XXXX  and XXXX  have removed this account, with prejudice, from my credit report. 

A second matter is related to a bankruptcy, XXXX filed XX/XX/XXXX. The filing is subject to a mandatory removal XX/XX/XXXX. I have repeatedly disputed this reporting based upon the fact the bankruptcy court dismissed the case without any discharge and that all creditors were paid satisfactorily. While your position is that Trans Union reserves the right and ability to report the information for ten years, you have no statutory obligation to do so. I continue to labor under the reporting of this bankruptcy and it has a major impact on my credit report and FICO Score. I am asking respectfully that you remove this bankruptcy from my credit report early and allow me to move forward in the current dire circumstance.

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 2020-09-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My credit limit was {$4800.00}. I had not used the card in two years so it was closed, I caught this immediately and Citi opened the card for me with no changes to the credit limit. Then in XXXX Citi lowered all of my credit card limits by almost {$20000.00} on the cards that I actively used. At the time they refused to reinstate my limits and would not provide me with a valid reason or even with a copy of my credit report used to make this decision as the customer service representative told me I could only write in my complaints to see if they made an error and he could do nothing else. 

On XX/XX/2020 the credit limit on my card ending in XXXX was still {$4800.00}. I had not used it in a few months. So I used the card to purchase lights and ceiling fans for a home I am currently building, total charge about {$2000.00}. The charges went through but one item was backordered so they provided a refund until the item was in stock. The next day Citi lowered my credit limit to {$1000.00}. It was lowered to the point that if the refund did not go through I would have gone over my limit. Now that the refund did go through I can no longer use the card. As the company has this card on file and if they try to charge it it will be declined or I will go over my limit. 

Citi is using predatory practices to lower credit limits on credit cards as charges are pending. They are intentionally being deceptive about the amount of credit I have and then once I use the open credit they are drastically reducing it.

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 2020-07-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am the XXXX XXXX  and XXXX XXXXr of a XXXX, Ohio-based XXXX XXXX, XXXX XXXX XXXX, which has been defrauded by a client of Fifth Third Bank -- XXXX XXXX XXXX XXXX, which is based in Illinois. Their 5/3 account number is : XXXX XXXX XXXX XXXX paid my company {$3000.00} on XX/XX/2020 via ACH ( from Fifth Third account to our XXXX account ). They also introduced me to XXXX XXXX, the Vice President and commercial accounts manager at 5/3 Bank in XXXX, IL : XXXX : XXXX I spoke with XXXX on the phone on XX/XX/XXXX XXXX to make sure that XXXX XXXX XXXX did indeed pay via ACH , which she confirmed they did. 

XXXX XXXX XXXX XXXX also provided us with a signed letter stating they paid us {$3000.00} and have no claims ( which I enclose ). 

However, on XX/XX/XXXX, XXXX XXXX XXXX was able to completely reverse the ACH payment -- all {$3000.00} of our money, from our bank account at XXXX. This is bank fraud, pure and simple. I pointed out in my complaint to XXXX XXXX that ACH reversals are only allowed if there was either a mistake in the amount or a mistake in the recipient, neither of which were the case as easily proven. Despite that, somehow the internal controls of Fifth Third Bank failed, and this fraud was allowed to happen. I thought that at least by bringing this to the attention of Ms. XXXX she would be able to correct the mistake and prevent Fifth Third from being part of this fraud by XXXX XXXX XXXX, however, unfortunately, she simply washed her hands and said this is a dispute between XXXX XXXX XXXX XXXX and XXXX XXXX XXXX -- total nonsense considering we are talking about a bank transaction, a fraudulent payment reversal that was somehow allowed by the XXXX branch of Fifth Third Bank. 

I have filed a complaint with the Federal Motor Carrier Safety Administration ( FMCSA ) of the U.S. Department of Transportation, and have also filed complaints with the U.S. military since it was their shipment that we transported on behalf of XXXX XXXX XXXX ( who acted as a broker ). I will be continually escalating this on all avenues, especially the U.S. government and on social media, so that everyone knows what kind of a company XXXX XXXX XXXX is.

Company response to consumer: Closed with explanation