BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expending the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Capital One is in violation of 15 USC 1692e ( 11 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that Capital One is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that Capital One is in violation of 15 USC 1692h

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Aargon Agency, 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:
Aargon Agency is reporting a collection on my credit reports that is a fraud account. I had my mail stolen a few years ago and filed a police report when this happened, but just recently saw a copy of my credit report which alerted me to this fraud. I have never had any ties to Nevada and certainly never started utilities service anywhere in Nevada. I spoke with both Aargon and XXXX XXXX numerous times but this issue is still not resolved. When I spoke with XXXX XXXXXXXX I learned they had misspelled my name when opening the account, and whoever opened this fraudulent account made one payment using XXXX XXXX XXXX which I have never used.

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 2015-11-02
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Scottrade, CFPB, and Others, I am the mother and joint account holder of a custodial Scottrade account. I recently wrote a letter to Scottrade asking questions about the custodial account. It appears as though Scottrade did not even read the letter because rather than addressing a response to me, XXXX XXXX XXXX XXXX, Scottrade wrote the the letter and instead addressed my son XXXX XXXX XXXX XXXX and did not address the issues that I raised in my letter. 

I would appreciate if Scottrade could read and address my concerns brought by both myself and my son.

Company response to consumer: Closed
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit 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 2022-10-07
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: Reporting company used your report improperly

Complaint:
Delete Late payments from XXXX XXXXXXXX XXXX Installment Loan of {$520.00}. Account # XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states. ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, 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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fruad accounts appearing on my credit 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 2023-01-26
Company: Experian Information Solutions 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 sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-29
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Experian Information Solutions 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:
XX/XX/2021 I mailed a certified dispute letter to XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 1200 complaints on CFPB they also have over 100 complaints with the 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 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2021 I mailed a certified dispute letter to XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 1200 complaints on CFPB they also have over XXXX complaints with the 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 2020-12-01
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Current loan servicing provider TMS INC XXXX XXXX XXXX XXXX, TX XXXX XXXX. Called TMS ON XX/XX/27 to find out why my online balance was XXXX. They advised me my loan was sold XXXX to another service provider but refused to give me any info on who new service provider is. I ask to speak w supervisor was disconnected. Called TMS BACK spoke to XXXX who gave me XXXX XXXX as new service provider XXXX. Same day XX/XX/27 called XXXX XXXX. They hv NO record of my loan ever, spoke to two people who advised me to call TMS BACK. TMS is not resolving this issues and as of now XXXX I do not know who is servicing my loan. Need help to resolve. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 the letter out to Transunion, XXXX, and XXXX. However, it's been more than 30 days and the credit bureau 's failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2020-09-23
Company: EQUIFAX, 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:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, This is about my credit at XXXX XXXX XXXX. I open this account on XX/XX/XXXX for the XXXX of my XXXX year old son that time who's XXXX XXXX  needs to be corrected. That time I really couldn't afford the expenses, they said I have to pay over {$3000.00} to correct his teeth and it would be better to do it while he's still young. They said I can open an account which I can pay interest free for two years, which I agreed. I made every effort to pay this account for 2 years and on XX/XX/XXXX, I received a statement with just a balance of {$200.00}, I made a payment of {$100.00} and on XX/XX/XXXX, made another payment of {$100.00}, I mislooked the XXXX cents. The following statement with the closing date of XX/XX/XXXX- my new balance went up to {$710.00}. They added {$710.00} as " interest charged ''. I was so surprised and called the bank but they said I missed the deadline of the plan expiry date which is XX/XX/XXXX, they said it's a differed interest rate and once I missed the expiry date, all the interest for 2 years will be added to my account. I was really mad, my account has a very low balance and I made it sure that I pay on time and I can finish it on the deadline. I called them XX/XX/XXXX and they said they could't do anything but I have to pay all the interest rate. My balance is just supposed to be only XXXXc which I just mislooked. Please help me, this is a big burden on my family 's finances. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, balance of {$170.00}. 

Rented XXXX XXXX XXXX. Paid a {$200.00} down payment, then my health insurance ( XXXX ) covered the monthly payments of {$50.00}. The machine was paid off by XXXX. Company is trying to double dip for payment. I owe nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
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: Old information reappears or never goes away

Complaint:
I had an account that was opened in XX/XX/XXXX, within the past four days while I am trying to buy a home this debt was re-aged onto my credit report and reported as new XX/XX/XXXX. The debt also says that there were XXXX XXXX dollar, on time, payments made in, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is also false reporting.

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: AES/PHEAA
State: NY
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:
1. I was informed there are 24 months worth of payments made to my first loan services that must be manually processed 2. I was informed that the reason 84 payments failed to qualify for public loan forgiveness is because of a system incongruity AKA- system error. Therefore, those 84 payments must also be manually processed.

3. The reason those 84 payments were denied for the student loan forgiveness program is for being in an ineligible payment plan. According to the terms of the TEPSLS program, the information is incorrect- since being in a graduated repayment plan IS an eligible one under TEPSLS.

4. They said my case was escalated- but that they wanted to be realistic and honest by informing me it would be many months before the manual processors would see my case.

5. It took me 3 phone calls to finally get this answer. The first 2 representatives disconnected the call. I had no issues with the call on my end.

6. They said they were unable to explain what would happen on when they no longer service the US Dept of Ed loans. So- after all of this hassle, they wont do anything to help my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being sued by a Midland Credit Management in court of XXXX County, NJ through XXXX, XXXX XXXX XXXX, XXXX law firm for the debt that they did not validate. I have filed my answer with court on time. I have received in the mail interrogatories from XXXX, XXXX XXXX XXXX, XXXX that I responded to. I have mailed them my interrogatories asking to validate the debt and about the Statue of Limitations several times and did not get any answers. They mail me harassment letters wanting me to admit the debt without any validation. I have attached the documents that I have received from the court, XXXX, XXXX XXXX XXXX, XXXX, and my responses to them. I can not obtain any account statements from the original creditor XXXX XXXX. in order to verify the debt and the last date of payment for Statues of Limitations. This account has been charged off as per XXXX XXXX XXXX . and I don't remember any details and don't have any records left.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have contacted XXXX several times about information they are reporting on my report. I sent in my photo ID with the correct spelling of my name and correct mailing address but they refuse to correct this issue.

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