BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8900.00}, {$23000.00}, {$11000.00}, {$0.00}, {$6900.00}, {$6400.00}, {$6100.00}, {$2200.00}, {$5700.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNT 10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Square Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My phone was stolen. And XXXX  usd ( two transactions XXXX usd each ) were transfered to someone named XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: KS
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:
All three credit bureaus are stating that my XXXX XXXX XXXX XXXX account is showing a status of " consumer disputes, consumer disagrees. '' I am not disputing or disagreeing with this finding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Northland Group Inc
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has no legal right to collect any debt they are claiming. They have left harassing phone calls and called from a block number stating that they would ruin my credit and sue me, and attach my XXXX pay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: Fidelity National Information Services, Inc. (FNIS)
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on my XXXX report, I have found collection account from XXXX XXXX XXXX,  however I do not have any relation to this bank, and account seems to be opened under my name fraudulently, as I am not living in the XXXX for XXXX years Date reported : XX/XX/2019 Account number last XXXX digits : XXXX The amount owed : 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 2020-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I called today to inquire about my interest rate. I called back in XX/XX/2020 about my loss of income due to Covid. I noticed how high my interest rate was. I asked to have it lowered. I was told it was so high because it was not current in payments. I think its completely wrong to mark up interest rates due to my misfortune. To add on interest when I was not employed is completely unreasonable and immoral.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I initially disputed this item in XX/XX/XXXX to have it verified and validated. I received notice that the debt was verified but did not receive proper documentation in accordance with both my request and according to the FDCPA, FCPA, along with the corresponding local state laws in which I have and do reside in. I was also advised that the account would be listed as disputed in their updates to the credit reporting agencies. However, as required by the FDCPA Section 807 ( 8 ) this was not done. I was to find out that this has not been done as far out as even my XX/XX/XXXX reporting period. I made a 2nd attempt sending a letter in XX/XX/XXXX, to request proper validation only to receive the same incorrect documentation which still is in violation of the aforementioned regulations. On the XX/XX/XXXX, I sent a final goodwill letter to request that the company place the " notice of dispute '' on my account within the period required by law, which again was and has not been done even though I received the same form letter stating that it would be. Lastly, after searching the Secretary of State 's Debt Collector 's Database and finding no information, I submitted a request to the company to produce proof of a valid debt, as well as advising them of the " notice of dispute '' issue, and also requesting that they produce confirmation that they were legally bonded to collect debts in my state. This letter was sent out on the XX/XX/XXXX and signed for on the XXXX of the same month. To date, I have not received any proof that this company was or is in possession of a Surety Bond for my state and the last letter I have received from them was on the XX/XX/XXXX which was another form letter exactly the same as all the rest but still not in compliance with the applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX - DATE : XX/XX/2021 COMPLAINT : THIS INQUIRY DOES NOT BELONG TO ME

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 2020-12-04
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/2016, {$1300.00}, and XXXX XXXX reached out to me and I agreed to pay balance. I paid large sum moneys ; difference outsource company contact me regarding my XXXX XXXX credit. Paid them as well as XXXX XXXX call me then paid them.

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 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have contacted the credit bureau XXXX, and transunion by certified mail to verify the accuracy of the accounts they claim I owe a balance to. They were last contacted on XX/XX/2018 and numerous times prior to that via certified mail. Since then, they continue to reply that they have verified that the account belongs to me with no valid proof.

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 2018-02-26
Company: Synovus Bank
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 2 negative reportings of 30 day lates on XXXX and XXXX : XXXX   XXXX and XXXX of XXXX This reporting inaccurate and does not exist on XXXX. 

I've had the since XX/XX/XXXX, almost 3 years and I have never been 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out a student loan with Sallie May during my tenure in school from XX/XX/XXXX-XX/XX/XXXX, total amount close to around XXXX. After graduation I was struggling to make ends meet with no job and a new baby. I called Sallie Mae several times and sent in paperwork indicating I was not working. I was placed on deferment, respectively. I began working in XX/XX/XXXX and called Sallie Mae and was advised that I needed to stay in deferment vs income driven repayment plan since my income was so low. I was provided unclear information and was told I would be contacted via mail. From year to year I would call and update my information and finances and would continue to be told I made under a certain threshold and to stay in forbearance. Around XX/XX/XXXX ( my birthday ), I called and my loan was no longer with them and I was directed to Navient. Same as Sallie Mae I would call and ask to be set up on a plan and I would receive the same information. It was at the time that I wanted to begin a payment plan as I was working directly in public service and was informed that I could pay on student loans under public service loan forgiveness and be forgiven after a certain time period. I would be given the run around and was even told at one point that my loans had been paid in full. I would always ask for documentation and nothing has been sent to date, even today. 
Recently, my grandmother gave me a call and I was informed that the Sheriffs office came to her home looking for me. I did some research and found that XXXX XXXX XXXX, whom I knew nothing about is sueing me and XXXX XXXX is the contact for for unpaid student loans and this is the first that I have heard of me being delinquent at all. I have no knowledge of either company until 5 business day ago. My student was not handled properly and I do not understand why I was never contacted. 
I was planning to go back to school and now this is all shocking and disheartening. Even today when I call Navient they say my student loans are paid in full. How could that be? Now I am afraid of what will happen to me and my family as this lawyer is saying that I owe $ XXXX and I must pay now and there is nothing that I can do about it. Why didnt Navient perform their due diligence to give me a call and place under a repayment plan. I do not feel that Sallie Mae nor Navient performed their due diligence to ensure that I was treated fairly as I wanted to be on income driven repayment and then public service repayment plan and they continuously recommended forbearance based off my low income. 
Please be advised that I have a new address however providing my old address as the law firm is making threats and I believe this can be handled without them having my new address. My email address and telephone number are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: CA
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:
Sent dispute letter on XX/XX/21 regarding inaccurate information/accounts on credit report. 
Sent 30 day demand to comply on XX/XX/21. Have not received any response from XXXX Equifax or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: BTH Management
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a notice for small claims from a law firm in my state regarding a debt from Plaza Services when I had never received anything by mail from this company first, attempting to collect any debt. I tried contacting them via the XXXX  but they told me to get in touch with the law firm handling the debt instead of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried numerous times to pay by bill in full. They are Predatory lenders involves unfair interest rates and fees and often targets consumers with bad credit or low incomes who may have fewer options when borrowing money. This company targeted me as I am a XXXX veteran and had less than perfect credit. I have called and so has my wife trying to pay the account. I only borrowed XXXX dollars and want over XXXX back from me. I was a Virginia resident and there is a lawsuit against them from Attoney General XXXX for predatory lending to Virginia residents. The cap is supposed to be 12 % to Virginia residents. The first time I and my wife called they stated they were uncomfortable to talk to me or give there name for my records and I said what did I do that you felt uncomfortable talking to me. I felt discriminated against and I told them so. I have multiple emails offering me to pay my account or offering a settlement but they refuse to work me. I recorded phone calls of how they treated me and wife which they were notified of being recorded. They are rude and use abusive tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
they failed to Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about to my credit report are and they and your office is responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider. this has caused me to lose out on a FHA loan and I had to pay a higher fee to live in my apt . IM a victim of fraud, and my wife we cant keep paying high rent when owing a home is cheaper. we have filed complaints after complaints with your office and the ftc and with the credit with XXXX, XXXX, TransUnion, and with the creditors them self, the investigation doesnt resolve the dispute with the credit reporting company or the creditors they are blaming covid-19 in this time loss were told your office allowed this, we have sent email been on the phone for over 180 hrs trying to resolved this matter. FHA Resource Center, XXXX : XXXX complaint and the as you can see with all the complaint 's with your office we got no were, your office wouldn't call me back don't care in this matter my next step is to fw this letter to the AgA office,

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 2018-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
filed previous complaint with you. # XXXX. initial complaint settled. but after bank of america settled the fraud they lowered my credit limit in a retaliatory manner. it went from XXXX - XXXX. I BELIEVE THIS WILL FURTHER DING MY CREDIT SCORE. in the initial complaint i had REQUESTED SANCTIONS AGAINST BANK OF AMERICA FOR THEIR EGREGIOUS POLICIES. in the initial complaint they ADMITTED THEY KNEW MY ACCOUNT WAS COMPROMISED BUT FAILED TO STOP THE USE OF MY ACCOUNT. THEY RELIED ON A FORGED PASSPORT TO CONFIRM THE FRAUDULENT PURCHASE. they admitted they dinged my account for this FRAUDULENT PURCHASE AND TO ADD INSULT TO INJURY ALL BUT CLOSED MY ACCOUNT. i am enclosing their letter. 
first i HAVE NEVER HAD A DELINQUENCY! 
2 ]. THE ECONOMY IS ROARING. NOT SLOW! 
3 ] THERE WERE NO 'RELATIONSHIP ' PROBLEMS UNTIL MY ACCOUNT WAS HACKED!

4 ] B4 THIS MY CREDIT SCORE WAS IN THE LOW 800 'S! 
5 ] I DON'T HAVE ANY OTHER BALANCES ON ANY OTHER CARDS UNTIL THIS HACK 6 ] THIS WAS MY PRIMARY [ ONLY CARD ] AND THE BALANCES WERE PAID IN FULL MONTHLY! 
I DO NO BANKING WITH THEM OR ANY AFFILIATES AS THERE AREN'T ANY AFFILIATES IN THE AREA AND MY CHECKING AND SAVINGS ARE WITH LOCAL BANKS THAT I'VE DONE BUSINESS WITH FOR 40 YEARS!

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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$160.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/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 non-monetary relief
Consumer complaint received 2018-07-02
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a home loan with PNC I had a tragedy and lost my job and have had problems with making payments so I applied for a harsdship application starting in XX/XX/2017. I was finally approved for a forbearance in XX/XX/XXXX until XX/XX/XXXX. I was then told to fill out another application by XX/XX/XXXX which I did. In XX/XX/XXXX they started requesting the wrong information from me which delayed the process. They then said they needed me to resend information which again delayed the process. I asked about a deed in lieu and I was told you have to get the application process completed and then we can go over your options. 2 weeks ago they informed me my home was in active foreclosure. I am now very upset because I believe if it had not been for their long drawn out and inaccurate requests I would not have been in foreclosure and would have had other options available to me because I don't qualify for any because of my lie income I guess right now. I believe this is intentional. I do not believe I am the only one. The reason o say this is because in XX/XX/XXXX they did the same thing and when I questioned what they told me I needed over the phone their reply was what did the letter say? Now the letter is incorrect because they requested page numbers On the application that were not correct and it took a couple of weeks to determine what the actual page numbers that they in fact needed from me. The first supervisor urged me to let them handle it before I contacted you. The second one told me at first there was no agency that I can complain to that governs them. I then stated it contains a letter c or b in it and she then have me your information but followed up with it will go directly to her anyway. They did nothing to rectify the fact that because of them my application process took so long which now has me incurring additional fees when I could have qualified for something like a deed in lieu of foreclosure which I was told I don't even qualify for that now because I am in foreclosure. She went over like 4 or 5 steps I needed to do with a realtor in 5 seconds and I told her there was no way I was going to be able to write that information down that fast and I would follow through on my end with a complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: MARINER FINANCE, LLC
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 was a victim of identity theft. In XX/XX/2017, Mariner Finance made a loan of greater than {$5000.00} in my name to a person who impersonated me. After I was notified that I had a delinquent account with Mariner Finance, I filed an affidavit with them explaining the situation ( with a police report ) and have been told for months that they are investigating the situation. However, they continue to tell the credit reporting companies that the loan is delinquent which is hurting my credit score. Every time I e-mail and call, they say it will be fixed shortly but it has not. It has been more than 6 months at this time.

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