BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XXXX XXXX, XXXX I worked with a rep. from XXXX re. inaccuracies on credit card ending in XXXX. XXXX reported that I was 'past due 90 days ' in XXXX, XXXX, and XXXX of XXXX, according to an Experian credit report pulled on same day ( refer to complaint # XXXX for credit report number ). The rep. reported that I had missed no payments for the months cited. In addition, she said that I was on a payment plan and " When on promised plan, no adverse reporting to credit bureaux if current on ( agreed ) payments ''

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 2022-12-13
Company: ALLY FINANCIAL 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:
please remove all inquiries In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX Account # XXXX ( input accounts ), 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Paypal Holdings, Inc
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was paid {$1000.00} for the settlement in the class action lawsuit, XXXX vs. XXXX. I chose to get my payment via PayPal, and set up an account to receive it. I was using the XXXX browser, which caused PayPal to be unable to determine my location. This apparently violates some sort of policy and they've banned me after receiving my {$1000.00} which they won't release. I'm currently homeless, and {$1000.00} would change my life. Yet PayPal continues to hold my money. I called customer service and they said this was in case of any charge-backs which won't happen due to the nature of the payment. I asked to speak to a supervisor and waited on hold for XXXX mins before getting hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: U.S. Equity Advantage Holdings, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Received something in mail saying that XXXX XXXX did something illegal and I would just like to get this matter settled soon as possible

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-15
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX of XXXX Discover card closed my account because of a payment returning NSF... ( 6 years ago ) I have reapplied numerous times and was denied even though I qualify credit wise. Still to this date I don't no why they closed my account, I never paid late, yes I had a payment returned but immediately after getting notified I paid all fees and the bill associated. They closed my account in XXXX with me owing a zero balance. In XXXX of XXXX this year the sent me a check in the amount of XXXX from this closed account, I was suppose to receive this payment years ago. The sent me only with they owed and not with any interest they have made off it... This is not right how do you hold money from a closed account for over 6 years and then pay it... Also I was informed that I could re apply for an account but they keep denying me saying because of past account obligations. So I guess it okay from the XXXX over their customers and withhold money for years and profit off of them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in the forbearance plan program and before finishing they sent me a contract with all the details and the day that the payment was supposed to be resumed and I signed it and sent it, then the bank called me telling me that I could not continue with what What the contract said why I did not pay in XXXX and the very clear contract says that to start the plan the first payment would be in XXXX and before they sent me the contract a bank employee told me that my payment started in XXXX because they needed a month to do the paperwork and the contract says the same thing, I am trying to make them comply with the contract as I fulfilled and it has not been resolved I made the payment in XXXX and I still continue trying to fix the problem I call every day and talk with them and they look for more things not to worry about, I'm tired of trying to end this. 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 non-monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account info Account name XXXX XXXX  XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Cottonwood Financial Ltd.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I got a loan from The Cash Store In XXXX, Utah. 
I explained to them when I got in there that I needed a loan, easy to pay, no gimmicks, no games. 
They assured me that their pay off process was simple, it was not only so confusing, deceiving but also they make it impossible to pay off your loan. This institutions shouldnt be allowed to operate. 

I borrowed {$1000.00}. After several payments which totaled over {$400.00} In a short period of time I still owe the ssme amount. 
They dont have a Office toncall, when you call is redirects you to the same location or the nearest one. When trying to pay early they refinance you and get you into further debt.

When trying to make payment over the phone, they dont allow it.

When you ask them for an app or a website to pay, they dont have one. 
Their schedule is short XXXX to XXXX Monday to Friday so a lot of people can not make it in person to make their payments.

Saturdays they only open XXXX to XXXX XXXX  very short to avoid people from paying, Sundays is closed.

They only allowed auto payment on the interest but not on the balance IT IS SO FRAUDULENT. I want federal and state agencies to investigate this company. 
I bet you there are so many people owning forever and just paying interest with this company payoff practices and process. 
It is setup in way that you dont pay the loan off. I am seriously concern, upset and worry not only for me but a lot more people that for sure have the same problem or worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-09-23
Company: Financial Data Systems
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: Account information incorrect

Complaint:
I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and its showing a balance even though the payment status is collection/charge-off. This is all a direct violation of FCRA. 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. The following information therefore needs to be re-investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Sequium Asset Solutions, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I paid a settlement amount to Sequim debt collector back on XX/XX/19. After that date for a week I was still receiving phone calls. The original debt came from XXXX XXXX XXXX. Then I see it was on my credit report written off as bad debt for the full amount but my balance keeps increasing. These people took my money never reported it as paid. I feel they are scammers. it says I owe almost XXXX dollars but yet comments say written off as bad debt. This is not true the debt has been paid. And I want all 3 credit reports to reflect as paid else I will be looking for a lawyer to see what my rights are. You just don't take someones money and not report things correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
to whom this may concern I am writing to update my credit report with the correct information. I am a victim of identity theft an did not make the charges on my credit report. all correct information for all 3 credit reports are supposed to be 100 % accurate. the information is incorrect. to protect my account. I included the accounts, dates, amounts of the identity theft or incorrect information. all creditors listed are responsible for updating my file. 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 non-monetary relief
Consumer complaint received 2019-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
For the past 9 years, I have had a Bank of America XXXX XXXX XXXX which was in good standing in my name. I paid the amount monthly - even after my ex-husband applied for Bankruptcy and was discharged under his name ( his name still remains as a co-borrower ). 

Recently, Bank of America sold my loan to XXXX XXXX, which then authorized XXXX XXXX XXXX ( XXXX ) to administer the loan payments, etc. XXXX appears to be more of a XXXX XXXX XXXX than a financial institution. 

Bank of America sold my loan on or around XX/XX/XXXX. I was notified by BOA of the sale to XXXX XXXX and was informed that I would receive information soon from the new loan company. I did not receive ANY paperwork, information on where to pay my loan, etc. until XX/XX/XXXX. I received a letter from XXXX XXXX Servicing indicating that my home equity loan is now delinquent, and I needed to contact XXXX  to discuss possible loss mitigation options. I was able to navigate the XXXX site and set up an online account. I had difficulty adjusting the payment that covered a specific time line, the site would only allow for me to make the past payment due PLUS a payment that was due in XXXX. I was able to call XXXX where they were willing to take the payment that was currently due. On XX/XX/19, I logged on to make my XXXX payment - and once again, the site would not allow me to adjust the current payment due XXXX {$220.00} XXXX, instead a payment of {$470.00} XXXX covering XXXX XXXX was ordered. Also, I am not able to change my method of payment. I want to use a different debit/credit care and the XXXX website will not allow me to do this. 

The XXXX site and XXXX XXXX company is very difficult to navigate and communicate with. When I call, and enter my phone number ID, they claim that my phone number is not identified with my account number. XXXX has also marked me down as making two late payments, when that is not a fair assessment. I do plan to refinance this loan in the next few months, but I am trying to pay down other finances first in order to be eligible for a lower interest rate. Please assist. Thank you. 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 2018-11-25
Company: MIDFIRST BANK
State: TX
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:
My husband and I was in the process of selling our previous home where payments was due with XXXX XXXX A Division of MidFirst Bank. As of late XX/XX/XXXX early XXXX we requested a payoff. In XXXX I received a call from XXXX XXXX   but no message was left. So, I returned the call because I wanted to find out why they were calling because I knew I was current in payments. The young lady that answered the phone went though their protocol by asking me all of my information. Then she processed to ask me what I needed, I responded stating that I had a missed call but no one left a message. I then stated, Im not actually sure why anyone would be calling because were current with our payment and she stated yes I see that. She stated that she was not sure who and why anyone would be calling you. Well, come to find out back in XX/XX/XXXX we applied for mortgage assistance but didnt go through with it but we came up with the pass due on XX/XX/XXXX and brought current. At that time a cancellation for the mortgage assistance was done. 

Now, that we have requested a payoff XXXX XXXX has used a third party company by the name of XXXX XXXX to run our credit on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  causing a hard inquiry on both of our reports causing our score to drop. Plus, causing issues to move forward with purchasing our new home that was to closed on back in XX/XX/XXXX. 

Once, I found out this information that caused us a delay in purchasing our new home I reached out to XXXX XXXX  to find out why were they running our credit for mortgage assistance when we wasnt behind and havent been for over six months. No one could answer my question so I asked for a supervisor, then she couldnt answer me either. She tells me that I need to give them permission to run my credit so she can see if it was XXXX XXXX that did what I was claiming. I told her no because they have already ran our credit without permission twice and cause my spouse and I credit to have a hard inquiry that needs to be removed immediately. I informed they lady that I was very unhappy and dissatisfied with XXXX XXXX   and discontinued the call.

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 2021-11-23
Company: Spring Oaks Capital, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed this account on my credit report and I did not recognized the debt. The collection account numbers, amount owed and company are not consistent with any records I have, I've sent XXXX certified debt validation letters to the company one mailed XX/XX/2021 and the other mailed XX/XX/2021. I have gotten XXXX response from the company, but according to the credit bureau they have " verified '' this account. How is this account verified when the company has failed to validate the debt with me. I have yet to receive a written reply to the letters that were mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: NAVY FEDERAL CREDIT UNION
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:
I DEMAND THESE FALSELY REPORTED LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORT IN REGARDS TO MY NAVY FEDERAL CREDIT UNION XXXX CREDIT CARD FOR THESE DATES XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC is falsely reporting on my credit with a Balance of {$700.00} and Account number XXXX. LVNV FUNDING LLC is a debt collector. They committed identity theft on me. This account is falsely reporting and violating my rights and the fair credit reporting act. Pursuing to 15 U.S. Code 1681d- Disclosure of Investigative Consumer Violation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in writing and mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. Pursuing to 15 U.S.C 1681 section 602 A. States I have the right to privacy. I request to be provided proof of this alleged debt, specifically the original contract and instrument bearing my signature with LVNV FUNDING LLC. Failure to show results on this alleged debt should be deleted from my credit report as soon as possible. Under federal law, you have 30 days for a reinvestigation. I will also be seeking monetary relief per violation for 1. Defamation of character 2. Negligent Enablement of Identity Fraud 3. Violations of 15 U.S.C 1692g. I further remind you that, as in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. I respectfully request that your office provides me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, and XXXX ), this action might constitute fraud under both federal and state laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05
Company: CITIBANK, N.A.
State: CA
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:
I had signed up for a internet dating site called XXXX on XX/XX/17 and the charge was {$65.00}. I found that the site was posting fake ads - there were several ads with the exact same personal introduction. Example : XXXX XXXX XXXX XXXX, CA I think Im pretty easy to get along with. I think its because I like to listen just as much as I like to talk. People find it easy to communicate with me and I think thats a big reason why. 

XXXX  XXXX XXXX, CA I think Im pretty easy to get along with. I think its because I like to listen just as much as I like to talk. People find it easy to communicate with me and I think thats a big reason why. 

I tried in good faith to resolve this with the merchant with no success. I therefore, submitted a dispute with the credit card company. I supplied the above info twice and the reply was that I had not submitted proof to validate the dispute, namely proof of cancellation of the purchase. I was not disputing the charge based on the issues of cancellation/non cancellation but on the quality of the product.

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