BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
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:
XXXX XXXX has furnished an incorrect account balance on XXXX of {$16000.00} on my Experian Credit Report and a Account Balance has been furnished to my XXXX Credit Report of {$16000.00} on XX/XX/2022, Both from XXXX XXXX XXXX XXXX I also has sent this company a Cease and Desist which they have also ignored and violated my consumer rights and continue to used these deceptive practices. Im just putting your company on notice that you all are liable under federal laws to investigate and report each complaint. 

Violations Unfair practices 15 USC 1692 15 U.S. Code 1692c - ( c ) Ceasing communication

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 2018-02-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX, the owner of my mortgage, has a rule in place that unfairly prejudices a homeowner in the foreclosure process from being fairly considered for a HAMP loan modification. While in a foreclosure status, my mortgagee refuses to accept any payment that is not the full reinstatement amount. For example, while in a foreclosure status, the mortgagor can not pay monthly payments. For example, the mortgagor can not make a {$50000.00} payment if {$51000.00} is the reinstatement amount. The loan amount in arrears is a key determinant in whether a loan is modified. The loan modification process takes a very long time. In my case, I received a foreclosure status on XX/XX/XXXX and I received a loan modification rejection notice on XX/XX/XXXX -- this is 13 months when I could not make any payments, 13 more months of loan arrearage that I was prevented from addressing by this rule ( I tried and the payment was returned ). This rule directly leads to increased arrears, which adversely and materially reduces the probability of a successful loan modification. This is grossly unfair to the conscientious consumer. I have called and emailed the loan servicer, Select Portfolio Servicing, multiple times about this rule and have been told by various customer service representatives, " It's the rule and there's nothing I can do about it ''. Sample dates of contact when I discussed this subject include : XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with 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 2022-02-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE ORREMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PAID DEBT TO XXXX XXXX XXXX PER THEIR DEMAND LETTER IF THE DEBT WAS PAID PER REQUIREMENTS, THAT IT WOULD BE DELETED FROM THE 3 MAJOR CREDIT BUREAUS IN 30 DAYS. 
IT'S BEEN MORE THAN 30 DAYS. THIS HAS NOT HAPPENED. 

CAPITAL ONE ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
XXXX 2019 got card from discover some hacking into account XXXX can boost cefit score balance manipulated app process was being sabatoged

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Date - OD amount - Purchase amount XX/XX/XXXX XXXX $ {$17.00} XX/XX/XXXX {$35.00} {$5.00} XX/XX/XXXX {$35.00} {$61.00} XX/XX/XXXX {$35.00} {$16.00} XX/XX/XXXX {$35.00} {$14.00} XX/XX/XXXX {$35.00} {$170.00} XXXX overdrafts of which they only reimbursed me {$65.00} because they said that the bank could not return more, which were their policies, but I previously called for the same thing and that agent who answered me said that it was a service to help customers and that I could activate it whenever I wanted and just calling before the overdraft month was up so they could refund it, and now the agents say something else, that they can't and that's why I accepted the partial refund of {$8.00} for each overdraft, which was unfair and illegal.

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 2023-08-10
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: Was not notified of investigation status or results

Complaint:
I am writing to express my profound dissatisfaction and concern regarding TransUnion 's persistent disregard for my dispute submissions and the resulting inaccurate information on my credit report. This ongoing issue is causing significant distress and financial difficulties due to the incorrect data that continues to be reported. 

I am providing you with a detailed account of the events and communications related to my disputes : XXXX XX/XX/XXXX, I mailed a dispute letter to TransUnion via certified mail, tracking number XXXX. The letter was delivered to TransUnion on XX/XX/XXXX, giving ample time for investigation and response as required by the Fair Credit Reporting Act ( FCRA ). 
XXXX received a response from TransUnion dated XX/XX/XXXX, inaccurately claiming that my dispute did not appear to come from me or an authorized third party. I want to emphasize that I initiated the dispute, and any suggestion of unauthorized third-party involvement is unfounded. 
-Despite my commitment to resolving this matter, I did not receive any response from TransUnion after sending a follow-up letter dated XX/XX/XXXX. 
-In an effort to address the accuracy of the information on my credit report, I submitted direct disputes to both XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX. Unfortunately, I received no response from XXXX XXXX XXXX, which raises concerns about their compliance with consumer protection laws. I also sent a dispute letter to XXXX XXXX on XX/XX/XXXX, but the letter was returned to me as undeliverable. This further underscores the issue of inaccurate information being provided by XXXX XXXX to credit reporting agencies. 
XXXX XX/XX/XXXX, I submitted yet another dispute to TransUnion XXXX urging for an accurate investigation and resolution. However, despite my continued efforts, I did not receive any response from TransUnion. 
-Acknowledging the urgency of this matter, I submitted a dispute to TransUnion XXXX XX/XX/XXXX, attaching copies of the returned mail from XXXX XXXX XXXX evidence of the ongoing dispute. Regrettably, I did not receive any response from TransUnion regarding this dispute submission either. 
XXXX XX/XX/XXXX, I sent yet another letter to TransUnion XXXX reiterating my concerns and requesting immediate action. To my astonishment, I received an identical response dated XX/XX/XXXX accusing me of unauthorized third-party involvement, despite the fact that I had initiated the dispute directly.

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 2023-04-18
Company: EQUIFAX, INC.
State: SC
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:
Hi, I am needing the original contract with XXXX XXXX with my wet signature. I never signed a contract with XXXX XXXX and they have failed to vaildate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. I have made several attempts to get the original contract but you have refused to provide the contract and vaildate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 this creditor ( XXXX ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-04-17
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: Performant Financial Corporation
State: IN
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:
The company Premiere Credit of North America LLC has placed an levy on my bank account. I have reached out by phone over 50 times to no avail. The phone always goes to voice mail and I have yet to receive a call back. I have went to the office location XXXX XXXX XXXX, XXXX, IN XXXX several times during set business hours to no avail. The office is always dark one XXXX  XXXX XXXX sits in the far side of the parking lot. No one answers the phone outside the office doors to buzz you in. The company seems to be a scam as I have no idea why my assets are being frozen and have no way of contacting set company to find out. I never received any notice for collection through the mail nor by phone. I have lived in the same location for several years and have the same phone number since moving to Indiana 10+ years ago. Their practices seem to be exploiting, unethical and maybe illegal.

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 2019-09-27
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently opened a Citi Bank High Yield Savings account. At the time of opening the account is was disclosed to me that I could transfer funds out of the account 6 times per statement period. ( this was a government rule ) When I finally tried to transfer funds out of this account, I found out that I was limited to a maximum transfer of {$10000.00} per day. And the transfer maximum was also limited to {$10000.00} per week. Therefore, I was only allowed to transfer out {$10000.00} in a week 's time period. 

This transfer policy should have been disclosed to me when I opened my saving account. 
If I would have know this, I would not have opened this account. Citi is more than happy to take my money, but acts entitled to hold onto my money. I feel deceived and I am harmed by this lack of disclosure.

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 2023-08-11
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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: MD
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 do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have an account with Citi bank, the place a hold on my account stating XXXX   has placed a hold and they are closing my account and they dont have a time frame for that unless XXXX  removes the hold. I spoke with XXXX  they said they reported my Banking Credit Report and have nothing to do with my account and my money into it. There customer support says otherwise and they didnt transfer my call to their supervisor and kept me on hold for one hour and then disconnected. There customer care/ security department doesnt have appropriate knowledge and they dont listen to the customer. 
I am on disability and not able to move around all my monthly instalments and rent payments are bouncing because of the hold without giving any reason. 
I have already applied for getting my XXXX  banking credit report which they say 15 days to process and another 30 days to settle the dispute and the bank says unless this is not resolved they wont give me money back. 

Please help me resolve this matter ASAP. 
My account number is XXXX and 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 2019-11-16
Company: Consumer Portfolio Services, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Consumer Portfolio Services continues to report as charged off the remainder of their auto loan to me, if indeed a contract was formed at all, which violate applicable usury laws ( including but not limited to N.J.S.A. 31:1-1 ) I refused and continue to pay a full 200 % of the value of the car. I have attempted to resolve this amicably, but seek your intervention as a remedy of law. This item remains the only negative item on my three major consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2019-09-27
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: Their investigation did not fix an error on your report

Complaint:
Again, I have attempted several times, with and without the assistance of the CFPB to have Equifax perform a PROPER investigation into the public record on my credit report. They state, directly on my credit report, that they used XXXX as the source of verification for this bankruptcy. 

I have proof from XXXX, via my Consumer Disclosure File, that no such public record exists on my file. Equifax continues to assert that they verified this public record with XXXX, which is false. 

I know this is false, because I have personally reached out to XXXX and asked them to verify to me if there was a public record, more specifically a bankruptcy on my consumer file, and they said no. 

Equifax, I am requesting that you do your due diligence and contact XXXX. You will find that there is no such public record on my consumer file. And when you confirm this, you shall remove this immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I have already disputed these accounts with the bureaus, but they did not remove them, nor prove validation.

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

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 2023-03-02
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The open dates are not accurate and the account numbers are invalid. Asterisks, never represent or correspond to appropriate account informations. Its been more than 5 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation