BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 mailed goodwill letters asking that XXXX  XXXX XXXX update the inaccurate reporting of my student loan under the FCRA on XX/XX/XXXX. The loan has a lot of NO Data reporting 's that date back to XX/XX/XXXX and all the while my payments were being made on time. I will attach a copy of the letter. If you look in the details section under each of the XXXX  XXXX XXXX accounts you'll see the gross negative inaccurate reporting the exact same way for each loan. I request that it be updated. I also forwarded a copy of these complaints to the attorney general. 

Thank you for your time, 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 2020-05-14
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Comenity Bank has been lowering my credit limit each time I make a payment on an account. Each time they do this, it lowers my credit score. Then they tell me that based on my lowered score, they are decreasing the limit again. This latest cut showed a credit score from XXXX and included lack of real estate as one of the reasons. I did not own a home when I applied, now, during a pandemic they are looking for home ownership as a criteria for a store card. 

This is an unscrupulous banking practice during a time when so many are facing severe financial crisis. I paid my account down to XXXX dollars and was rewarded with a limit decrease. This is a disgusting practice and consumers should have protections. Especially during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
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: Credit inquiries on your report that you don't recognize

Complaint:
THE DISPUTED INQUIRIES WERE NOT AUTHORIZED BY ME AND I WOULD LIKE THOSE INQUIRIES TO BE REMOVED OFF MY CREDIT.

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 2018-07-11
Company: Finance of America Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my mortgage on XX/XX/XXXX with Finance of America, LLC ( FOA ) for the loan amount of {$400000.00}. I confirmed with my lender that I can make a principal payment at any time after XX/XX/XXXX with no penalty, even if it is before the first payment was made. On XX/XX/2018 I  received a letter from FOA informing me that my loan has been transferred effective XX/XX/2018 and they will stop accepting payments from me on XX/XX/2018. 
On XX/XX/2018 I called FOA to inquire about making a {$200000.00} payment via wire transfer. They told me that they could not process my payment and advised me to wait until XXXX and send it to the new company. I told them that XXXX was three weeks away and that interest for {$200000.00} over 3 weeks at 5.25 % was a significant amount and that I wanted to pay now so I would have to pay that interest over three weeks. They told me that my account was inactive so they had no way of processing my check and advised me to hold onto it because that is all they would do with it if they received it ; they would hold onto it and send it to the new loan company at the end of the month. I told them that this was unacceptable.That my contract says I can pay a principal amount at any time. It does not say that there could be a three week waiting period in which you no longer will have a active account with any loan provider and thus will be without service during this time. I also believe that it is against the law to do this. They basically disabled my account and are refusing to service me, which will end up costing me hundreds of dollars in interest. They should have to process my payment because that's what my contract says. And if they can not do it -- or are unwilling to do it -- then they at the very least they should compensate me for the interest that I will be paying because of their negligent service. I would also expect to get some compensation for having to take hours out of my day to try to deal with this. so far I have spent three hours on the phone with them three times ( trying to get someone who could help me ), an hour on this page and XXXX  page filing complaints, and probably more lots more time until I get this rectified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Began receiving calls from Radius Global Solution -XXXX XXXX since XX/XX/XXXX. She has been calling me very day since then ( today is XX/XX/XXXX ). I requested multiple time that they mail me proof that I owe this debt and never have they sent me anything. I asked Ms. XXXX that I do not want them to call me and all communication must be in writing and I am still receiving calls. I can never understand what hospital she claims I owe money for. If I truly owe money to a hospital, they need to mail me proof. I do not owe any hospitals. I know that I don't as my current credit is excellent according to XXXX XXXX as of XX/XX/XXXX ( currently showing to be in the upper 700 's ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just turned XXXX in on XX/XX/XXXX. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by XXXX. I never had any accounts to have a collection I was a minor! This account does not belong to me, I have no knowledge of this account Also there is incorrect DOB and address being reported for me My address IS and ALWAYS been is XXXX XXXX XXXX XXXX, PA XXXX my DOB is XX/XX/XXXX birth certificate attached

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 2019-11-11
Company: EQUIFAX, INC.
State: AZ
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 was an authorized user on a XXXX XXXX card and its only on my Equifax report hurting my credit. We have requested them to remove me but they have not. See attached doc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Ameritech Financial
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
We have been dealing with a company named Ameritech Financial which we believed were alined with our student loan lender and that the {$99.00} a monthly payment we were making was going toward our student loan debt. Recently Ameritech informed us we would have to begin making a payment of {$38.00} directly to our lender in addition to the {$99.00} payment we have been making to them since 2016. The impression we got was that they were part of our lending company so this new payment was confusing to us. We then received a letter from the United States of America Federal Trade Commission stating that they were suing Ameritech Financial and the steps we would need to take to file a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have two fraudulent accounts on my credit report that I need removed however they continue to say they are accurate when they are not. Both accounts were opened under a false Date of Birth or a fake ID by whoever opened it. I sent the credit companies police reports FTC reports my ID and ssn to no avail. Please help me if you can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX I have several issues on my credit file. I have only one name and it should appear as XXXX XXXX XXXX!! Please remove all other variations of my name. My DOB is XX/XX/XXXX my SS# XXXX please update. i HAVE NEVER LIVED IN XXXX  OHIO please delete remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX,XXXX XXXX XXXX , XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX OH XXXX  , XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX  OH XXXX, 1XXXX XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX OH XXXX  , XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX. Please forward me a copy of my updated report.

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 2021-01-27
Company: EQUIFAX, INC.
State: LA
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 mailed goodwill letters asking that XXXX  XXXX XXXX update the inaccurate reporting of my student loan under the FCRA on XX/XX/XXXX. The loan has a lot of NO Data reporting 's that date back to XX/XX/XXXX and all the while my payments were being made on time. I will attach a copy of the letter. If you look in the details section under each of the XXXX  XXXX XXXX accounts you'll see the gross negative inaccurate reporting the exact same way for each loan. I request that it be updated. I also forwarded a copy of these complaints to the attorney general. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Capital One Bank has no grace period for payments. I was charged a XXXX fee for being 6 days late simply because I thought I had made my payment and when I checked my balance realized I had not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28
Company: Bread Financial Holdings, Inc.
State: IL
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:
Hello, on XX/XX/2020 I contacted Comenity Bank to find out why my Victoria Secrets account has not been updated based on my XXXX report, which shows the last update was done on XX/XX/2020. After speaking a Customer Service Rep, I ask to speak with a Supervisor, the next voice I heard was from XXXX, Supervisor. 

I told XXXX of the issue I was having with Comenity Bank, I also asked what information does it show in my account as far as the last date reporting to the Credit Bureau. XXXX informed me of the same XX/XX/XXXX date, and in order for this issue to be resolved, I had to send a request for someone to look into this situation from a different department and that could take up to 5 business days. 

I'm a little confused, XXXX confirmed the information in my account should have been updated at least by now, however, I still need to send a request to have this looked into. I told XXXX this is a waste of my time and that Comenity Bank dropped the ball in sending over accurate information to all 3 Credit Bureau in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. It's been over 30 days.I have not yet gotten a response. They failed to provide me with supporting document as proof. The FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
on XX/XX/2018i was sent a card WITH MY FULL NAME EMBOSSED ON IT. i did not request this card, apply, or in any way have EVER done ANY bussiness with this company. i could not get to talk to an agent as their phone system asks for my social security number before putting me through a rep and i am not giving them my social

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 2018-07-11
Company: HEARTLAND PAYMENT SYSTEMS INC
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2018 I received an email from XXXX XXXX notifying me that my loan payment was past due : " This is a reminder that your student loan payment with XXXX XXXXXXXX XXXX XXXX was due on XX/XX/2018 in the amount of XXXX plus any applicable fees payable to XXXX XXXX XXXX   XXXX. If you have already made this payment, please disregard this notice. '' Up to this point, my loan was serviced by XXXX on behalf of XXXXXXXX XXXX, with which I had automatic payments set up to quarterly draw the payment from my checking account. I was not notified by XXXX XXXX XXXX nor XXXX XXXX about this transfer of providers until this email referenced above on XX/XX/2018 ( 6 days after the due date of XX/XX/XXXX. 

After initially assuming this email was scam, since I was never notified of any change to my loan provider, this month I attempted to call Heartland to make the payment. The day I tried accessing their website, it was not working. I called and spoke to " XXXX '', who told me that their " internal systems '' were down, and to call back today ( XX/XX/2018 ) to make the payment.

I accessed their website today, and learned that Heartland charges a 3.95 % fee for all one time payments, plus a {$1.00} service charge. Which is fine - I'm planning to make recurring payments anyway. However, the website prevents me from scheduling recurring payments on the " past due '' amount from XXXX - effectively forcing me to ay penalties on the amount, while I was never even notified before the XX/XX/XXXX payment was due. I've had multiple conversations with their customer service " advocates '' - most recently with " XXXX '' who told me that they can't waive the one-time payment fee on the website, and that I have to make a one time payment, being charged a fee for simply paying them. 

This seems fraudulent, and blatantly set up to entrap student loan holders in fees for servicing their loans. The company has not provided me with any information. Alternatively, I've been told that if I provide my bank checking account routing and account numbers over the phone, and then I won't be charged a fee -- who in their right mind would give out their bank account numbers over the phone to a complete stranger? These practices are questionable at best, and fraudulent at worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Mountain Run Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice from Mountain Run Solutions in the amount of {$810.00}. I had no idea what this could be from. At that time my credit score was XXXX till they put an unwarranted and false collections ding on my credit. I had to do research to find out what this could possibly be from. 
On XX/XX/XXXX Mountain Run sent me documentation from an account with XXXX XXXX dated XXXX XXXX XXXX for a service set up for security at a recording studio which I have not been a part of for over 10 years. I signed on. behalf of the LLC not using my social and was not the owner of the Studio. That XXXX XXXX XXXX has been dissolved for over 10 years. The only document Mountain Run sent. was a copy of the order signed in XXXX of XXXX, there are no copies of subsequent bills, nothing that says unpaid, and nothing at all documenting the {$810.00} they say is owed. I do not understand how credit agencies could even think their claim was valid and ding my credit. 
Not once did I ever receive a late bill or any kind of notice of delinquency in all those years. Now they have hurt my credit. Mountain Run has texted me offering a reduced payment but I do not owe and it is way past statute of limitations.

I looked at XXXX  website and Mountain Run has 388 complaints, 251 of those complaints against them in the last 12 months. 
I am not alone in this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.

XXXX : current status is listed as Charged Off as bad debt 1 late payment reported for XX/XX/2017 Equifax : current status is listed as Settlement Accepted/Charge Off Account 2 late payments reported for XXXX & XX/XX/2017 XXXX : current status is listed as Transferred to another lender 6 late payments reported for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2017 Due to these inaccuracies I request that this account be deleted from my credit report, following my rights under FCRA Section 623.

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
I have disputed this adverse Portfolio Recovery Collections account on XXXX, XXXX and XXXX several times as recently as XX/XX/XXXX. I do not own this account and the account information differs across three reports. All disputes have been " verified '' and the collections remains on my report. 

All Three of the Credit Reports reflect this account in collections and site 's XXXX as the original creditor. 
All Three of the Credit Reports there is no Date of Last Activity for this adverse account. 
All Three Credit Reports state " This account is scheduled to continue on record until XX/XX/XXXX for both XXXX and XXXX  and XX/XX/XXXX on XXXX. 

With the Statute of Limitations being based on the state the Original Creditor, and XXXX being incorporated in the state of Delaware, The statute of limitations is 3 years from the date of the last activity.

Company response to consumer: Closed with explanation