BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-11
Company: Mid-Atlantic Finance Co., 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 Mid ATL fin a certified letter to the address on my credit report on XX/XX/XXXX. It was returned to me stating invalid address. I then researched the address to find another address in FL to resend the letter via certified mail. The letter was pertaining to an old vehicle loan from XX/XX/XXXX that I am trying to request paperwork on. The VIN number is XXXX for a XXXX XXXX XXXX. I requested that Mid Atl provide me with all required notices. Effect of errors and omissions - notification before disposition of collateral. - contents and form of notification before disposition of collateral. As this account is reported on my credit bureau as repossessed and charged off. They are required by law to send legal notice and proof of the commercially reasonable manner of notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of the letter received. The alleged claim of deficiency will be considered null and void. see attached a copy of the letter that was sent to them On XX/XX/XXXX Mid ATL responded and stated that they never repossessed or sold the vehicle in question. see attached Then on XX/XX/XXXX - they sent a letter with a copy of payment history and contract. 
I 'm not sure what Mid ATL is trying to state in these letters, but they are not providing the documents that are being asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Certegy Holdings, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I submitted a complaint against XXXX XXXX in regards being charged returned check fee multiple times for checks and returned fees for checks returned fees that were resubmitted to my XXXX XXXX XXXX XXXX checking account. This is my complaint number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Ability Recovery Services, LLC
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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and  need to get these accounts removed as soon as possible. 
I will be listing some dates below that I have sent out to them : XX/XX/2020XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.

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 2020-10-20
Company: Paramount Recovery Systems, L.P.
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: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and  need to get these accounts removed as soon as possible. 
I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir or Madam : On XX/XX/2021, I notified Calvary Portfolio Services in writing that this debt be Exemption, Due to Hardship. They refused to cooperate or consider, or verify. 
Calvary Portfolio services refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Calvary Portfolio Services under the Dodd-Frank Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: FIRST NATIONAL BANK OF OMAHA
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit Card was opened to take advantage of {$50.00} instant cash offer. The card was never received in the mail, but the statement did come 2 months later with some late fees. I attempted to cancel the card and spent over 30 minutes on the phone while representatives tried to sign me up for additional services and subscriptions. At the end of the call, I believe the representative signed me up for a vitamin program I did not want and then disconnected the call. I have tried calling back and the line is disconnected immediately. The bank is First Bankcard. The phone number listed for " customer support '' is 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 2021-11-01
Company: Mountain Run Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection account # : XXXXXXXXX. Looking over my credit report, I saw your company reporting the collection account referenced herein. Following the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information. Original contract agreement, clause in the original signed contract that authorizes the third party like yourself to collect on this debt, statements from the original creditor and itemization of monies owed, copy of bill showing last default date, proof that the debt is valid and collectible and within the statute of limitations for this state, proof that you are licensed to collect in my state of residence and a agreement between your company and the original creditor that authorizes you to collect on this debt. I am allowing you 30 days to give me this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.Your failure to act will result in this matter heading to small claims court for violations of the FDCPA.

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 2022-10-11
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Refuse to acknowledge my certification from my Not for profit organization. Im a XXXX XXXX and have submitted my information back in 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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was behind on my loan with XXXX XXXX. I wasn't able to make a payment from XXXX XXXX. The amount they reported on my credit report as being behind was {$460.00}. On XX/XX/2022 I logged on the XXXX  and saw that the complete remaining balance was {$690.00} plus the new online payment fee of {$2.00}, so I paid the whole amount. I waited four days and logged back on to make sure the balance was {$0.00} ony to see the account said I owed another {$60.00}. I called and was told the remaining {$60.00} was late fees so I logged back on and paid a total of {$62.00}. I waited a few days and called XXXX again to make sure the account was paid and clear. I was advised it was and that I " might '' get a letter stating so but if I have the payment receipts I'm fine. I explained that I was needing my credit report updated that's why I asked for the letter. The lady repeated the same information. I did a dispute with TransUnion for this loan and it did not get updated or cleared. They have not updated the information on this loan since the end of XX/XX/2022. When I was keeping my loan and just refinancig they were updatig quickly and regularly but now that it's paid off they aren't doing anything and it is hurting 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 2020-09-11
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX, I received notice that based on my credit score from XXXX in XX/XX/2020, my APR was being increased to 17.99 % on XX/XX/XXXX. 

I have had this card for about 10 years so I phoned to question why they were not using my current credit score rather than going back to a score from 5 months earlier. I was told that they intended to raise it sooner but due to Covid it was delayed. I closely follow my credit scores which are either XXXX or XXXX. I spoke with four different people and the manager told me sorry, there is nothing we can do about it. 

I feel I am being penalized just so the credit card company can get more money.

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 2021-10-05
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 an envelope was mailed to Transunion via USPS tracking XXXX this was received by Transunion on XX/XX/2021. As of today XX/XX/2021 Transunion failed to respond at all let alone in the timeframe allowed. 
The accounts in question which were initially challenged are : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX I am attaching a copy of the report they contain issues which were previously sent on the above date with tracking info.

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 2021-11-01
Company: Mr. Cooper Group Inc.
State: MI
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:
I received an forthright answer from Mr. Cooper about Loan no. XXXX AND AFTER PROVIDING ME THE LETTER DATED XX/XX/2021. That upon my call on or around last Friday to Mr. Cooper and 3-4 calls were told that the SSN and Identifiers information is my loan. Then were told to fax information and then were told " we have no information in the system on this loan '' Then around XXXX XXXX  called back and spoke to XXXX and given him my loan number then he confirmed by saying LET ME LOOK AT YOUR ACCOUNT. 

I held on 1 full hour without XXXX ever coming back on to the line. The I checked my email and at XXXX XX/XX/2021 I received an email from XXXX XXXX XXXX Mr. Cooper and he said the exact, below, XXXX AND XXXX, Hi XXXX, This document explains that prop was purchased in name of another through XXXX XXXX. I would call XXXX  XXXX  as we no longer have anything to do with this loan. 

Thanks Please Request details of all this conducted in my name by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Experian Information Solutions Inc.
State: MO
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:
Information on my consumer report is still on my report after multiple disputes. My most recent dispute has gone well over 30 days XX/XX/2023 to now.According to the FCRA any dispute that is not answered within 30 days the information must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a Bank of America checking account in XX/XX/2022 and used a promo code to obtain a promotion offer ( bonus ) to be paid after completing the various requirements. 

Those requirements were completed and the promotional offer ( bonus ) has not been received to my account. A phone representative was unable to help me on the matter and suggested make an appointment at my nearest branch.

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 2022-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I awoke to 4 or 5 emails telling me that I had an application to Bank of America for a credit card and that it was approved and my information was changed. I tried contacting bank of America but keep getting kicked back to an automated message because I don't know the account number.

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 2021-02-12
Company: Experian Information Solutions Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Experian today XX/XX/XXXX and was transferred 4 times. After the 4th time XXXX from Special Services  transferee me XXXX Integrity Team whom I explained I kept being transferred. I asked why they are repairing fraudulent inquiries on my credit report not made by me she told contact the company. I have therefore it states if there is suspected fraud contact Experian. They have been no help. This credit reporting agency is the most hardest unprofessional unlawful biding company. She continued to go back and forth with me and put me on hold 1hr and 15 minutes and hanging up. Also today I find out right after this my score drops 43 points because I paid off a trade line? What the heck? I suspect fraud! 
On top of this they are reporting inaccuracies still after letters and FTC copying on letters. They reported my trade line that was paid off in full on time by lender was late as well? XXXX was playing games on the phone not helping my fraudulent activity on my account she claimed to file a police report - the law doesnt require a police report on inaccuracies. Also they website states if theres unknown charges or inquires to contact them as I did! 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 2020-06-05
Company: EQUIFAX, INC.
State: GA
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 contacting you because I have a fraudulent Item on my credit report I sent in a identity packed in it's been over 30days and the item is still on there I would like this issue resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I received an forthright answer from XXXX XXXX about Loan no. XXXX AND AFTER PROVIDING ME THE LETTER DATED XX/XX/2021. That upon my call on or around last Friday to XXXX XXXX and 3-4 calls were told that the SSN and Identifiers information is my loan. Then were told to fax information and then were told " we have no information in the system on this loan '' Then around XXXX XXXX  called back and spoke to XXXX and given him my loan number then he confirmed by saying LET ME LOOK AT YOUR ACCOUNT. 

I held on 1 full hour without XXXX ever coming back on to the line. The I checked my email and at XXXX XX/XX/2021 I received an email from XXXX XXXX of XXXX XXXX and he said the exact, below, XXXX AND XXXX, Hi XXXX, This document explains that prop was purchased in name of another through XXXX XXXX. I would call XXXX  XXXX  as we no longer have anything to do with this loan. 

Thanks Please Request details of all this conducted in my name by 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 2023-09-17
Company: MoneyLion Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report. It has come to my attention that I did not receive a copy of my billing statement for the months listed above which is required by the law at least 21 days before the payment due date. Pursuant to the provisions of 15 U.S. Code 1666b - Timing of payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Kriya Capital, LLC
State: UT
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:
CRM has notified me that they reported a fraudulent debt in my former married name from an account opened fraudulent by my ex husband from 2010. They have reported this fraudulent debt to XXXX  without any notification or correspondence. I contacted them today and XXXX a representative tried to offer me settlement on a fraudulent account. I made him aware this was fraud and I would fax the police report information to him. And he still continued to offer a settlement on a fraudulent account. I made him aware I would be filing another CFPB complaint for these willful actions. These are major violations including reporting a re-aged fraudulent DEBT opened back in 2010. 

They can retrieve the police report directly from the XXXX XXXX police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 
Account name : ( original creditor ) # XXXX Account name : ( original creditor ) # XXXX Account name : ( original creditor ) # XXXX Account name : ( original creditor ) # XXXX Account name : ( XXXX XXXX XXXX ) # XXXX  Account name : ( XXXX XXXX ) # XXXX Account name : ( XXXX XXXX ) # 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 non-monetary relief