BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX Both of these accounts are in violation of 15 USC 1681C2

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 2018-03-08
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I only have one payment remaining with Tidewater XXXX. On XX/XX/XXXX I went on the Tidewater website to make my payment. Tidewater later took the funds from my bank account on XX/XX/XXXX. I received an email from XXXX XXXX advising me to contact the office immediately, that they had some payment processing issues. I responded with both my XXXX payment history, and my bank statement that matched with the payment history to Tidewater. XXXX said they cant take that they need to see a statement is needed showing a running balance and the deduction of the {$450.00} on that balance. I know for a fact that the XXXX can run a trace on my payment to see if it was returned to me or not. The funds were removed from my account as it always has the last 5 years. All of sudden on the 2nd to last payment I need to show them a bank statement. No! Im not applying for a loan through and legally they vant ask them to provide them my personal financial records. I want to know what is my final payment amount so I can complete this agreement with them and move forward. The payment I made online has a payment tracking number that they can use to track the payment. Payment Tracking Number : XXXX Payment Authorized On : XX/XX/XXXX XXXX CST

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-08-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
XXXXXXXX XXXX : XXXX Company does not have a license to collect in my state and they are trying to collect on me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: MoneyLion 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: Account status incorrect

Complaint:
I took out a loan with a company called  ''Money Lion '' & I made all my payments on time I WAS NEVER LATE. I decided that I would leave for vacation with my family so I called money lion to pay off the remaining balance of the loan for a total of $XXXX  so I wouldn't have to worry about it when I was away on vacation. I spoke to a money lion representative and he took my debit card number and told me congrats your loan is now paid in full. Soon after I received an email saying my payment has been scheduled for XX/XX/2018 '' YOUR LOAN IS NOW PAID IN FULL''  so I personally thought everything was fine to leave on vacation. When I finally arrived back I got a notification from a credit monitoring service saying I had a ''serious delinquent account 30-60 days late''. and I contacted the company about this matter to have this negative remark removed I've sent in pdf files of my bank statements and the email verification of the payment,  as well I asked for a '' deletion letter '' but they refuse to give it to me. I would really appreciate if you guys can help me solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Loqbox US Inc
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was closed it was a credit builder account

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 2020-10-26
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have sent Equifax several letters but I can not get them to fix their errors. Ive sent dispute letters about account errors and about my personal information they are incorrectly reporting but hey just keep verifying them. Im not really sure how they are verifying any of this information because Equifax is not even reporting my correct birth year. Equifax is reporting my birth year as XXXX but my year of birth is XXXX. I have tried numerous times to have them correct that information but they just keep verifying their information is correct? I only have one year of birth and I am pretty sure of what it is, in fact I have legal documents showing my year of birth, and I have also provided those legal documents to Equifax, multiple times. I have also reported a misspelled name Equifax has on my report as well as they are reporting numerous addresses that do not belong to me, but they continue to fail to remove those addresses. These addresses do not belong to me, are not correct and are not deliverable to me, therefor these addresses are not reportable as per the FCRA and need to be deleted. They are putting my information at risk, especially during a national pandemic when fraud had increased significantly. I am also confused how Equifax has verified the disputes I have sent when they can not even verify my correct personal information, as basic as my year of birth? Both XXXX XXXX XXXX Acct # XXXX and XXXX XXXX Account # XXXX have been reaged to appear as newer accounts, as recent as XXXX and XXXX of XXXX when these accounts are TWO and THREE years old, respectively. Both accounts are also reporting past due balances ( when a collection account is, by default, past due ) and reporting the past due balances are in violation. ( See Attachments ) I am really confused why Equifax is reporting these accounts in such error as if they are intentionally trying to damage my credit even more and preventing me from even getting credit by failing to report MY correct information? I feel my only option is to retain a lawyer, it seems reporting my basic information should be extremely simple, especially after I have provided them with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card with XXXX XXXX  ( XXXX ). The store closed. The credit card I had was written off in XX/XX/2015for an amount not more than {$400.00}. Portfolio Recovery has had this account in their system since XX/XX/2015. They have continued to refuse to provide me with detailed, itemized statements showing I purchased items totaling {$11000.00}. They will only provide a statement showing the balance but not how I obtained that amount. I have been disputing this through the credit reporting agencies since XX/XX/2015. 

I demand itemized, detailed, line by line statements showing my purchases totaling {$11000.00}. This company produces fraudulent documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX claims to offer low interest rates for auto loans and makes you fill out a decent amount of information and they pull your credit without you knowing so. Not only was my credit pulled once, it was pulled FOUR times!!! Credit that i have worked so hard to build!!! This took place Monday, 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 explanation
Consumer complaint received 2021-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My capital one credit card account was charged an annual fee on XX/XX/XXXX. When I saw the fee on my account I called on XX/XX/XXXX to address the issue. I was told they can not refund the fee without canceling my account. I agreed to cancel my account and was transferred to a supervisor. The supervisor told me I would lose the rewards associated with my account and I could have a check sent to an address. I asked instead to have the value credited to my account. When she told that was okay and asked me to confirm having the money added to my account. When told the conversion value of the rewards I was very surprised at how low the value was. I asked what other options I have, and she said it was too late you already confirmed. 

I am now in a position where I can dispute my rewards, but the requires me to leave the account open which means I'm going to be charged a fee. I feel like I'm being held XXXX by the credit card company. It's bad enough I'm going to have to impact my credit score to dispute the fee. The monetary value involved is low, but the behavior of Capitol One in this case feels predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-26
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I sent a certified letter requesting validation of inquiries, on my credit file. I was sent a generic letter stating requested information was verified. The reporting agency did not fulfill their responsibility to conduct a proper investigation to my request according to FRA, Section 611 ( a ) ( 6 ) and ( 7 ). However, there were no information, as far, as, proof of who was contacted and what information was obtained to verify the accounts was accurate.

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 2020-10-26
Company: Experian Information Solutions Inc.
State: FL
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I have told XXXX, Transunion, and XXXX to investigate these accounts again : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is it possible if the open date, date of last activity, and much more are incorrect? 

According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that aren't reported correctly.

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 an 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 ( AX1 ) 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is regarding the balance for Summary of Amounts Past Due before Bankruptcy filing ( Pre-petition Arrearage ) shown on the most recent statement dated XX/XX/2021. The amount shown {$1000.00} is incorrect and the correct balance is XXXX ( XXXX ). 

As of XX/XX/2021, a document was signed and executed by XXXX XXXX, Attorney for New Rez ( Shellpoint Mortgage Servicing ) at the XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX. states amount necessary to cure the petition is XXXX ( XXXX ). The document stating this information was filed and sent to XXXX XXXX XXXX XXXX XXXX. See the attached document for your reference. The error on my mortgage statement should have corrected months ago. Please make the necessary changes and updates to my account and all future mortgage statements showing Pre-petition arrearage balance XXXX ( XXXX ). Better yet, remove this section from my statement altogether for pure accounting purposes and accuracy. Please provide a full explanantion for the outstanding balance shown for the Summary of Amounts Past Due Before Bankruptcy filing Pre-petition Arrearage updates. 

My next complaint is regarding Escrow ( Paid Year-to-Date ) balance showing on the mortgage statement in the amount of {$1100.00} as of XX/XX/2021. If I am paying monthly towards Escrow {$220.00}. Why is the total amount paid as of XX/XX/2021, {$1100.00}? This is an error and the correct amount should be {$2200.00}. If you multiply {$220.00} x 10 = {$2200.00}. Also, the XX/XX/2021 mortgage statement shows the Escrow ( Paid Year-to-Date ) balance amount of {$1100.00}. But, the month of XX/XX/2021, it was reduced to {$1100.00}. Why? There is something flaky going on with New Rez accounting and managing of customers payments. Also, why is there a {$150.00} fee charge on my account? What is this about? Please provide a full explanation for the total amount paid this year for the escrow balance and this fee charge. I look to hear back asap for an accurate update to my mortgage account. 

Best, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08
Company: Experian Information Solutions Inc.
State: FL
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 a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. 
after number of request by me Experian it the only bureaus that had not block or remove any of those 3 account that had been open by identity theft. and not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act, I had a furnisher of information to a consumer reporting agency all bureaus and Experian it the only one that had violates the FCRA, I will beginning file sue in state or federal court again experian.

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 2019-08-19
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Citi Bank has allowed me to go way over my credit limit (twice) and they expect me to make that monthly payment and include the total amount they let me go over!  This wasn't just one purchase, this was several.I feel that unless they text/call you or you contact them ahead of time, they should not allow their system to let you exceed that limit.I don't feel that this is fair practice!!  Sure it's nice if it's something you absolutely have to have, but contact the consumer first!I am livid over this!! I actually work for a major credit card company and we would never allow someone to go over their limit unless the customer contacts us first.  That limit is there for a reason.

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 2019-08-19
Company: Experian Information Solutions Inc.
State: NV
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX and 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 2020-10-26
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The secured credit card organization First Progress issued by Synovus Bank. The organization strategically delayed payment processing until after the due date in order to post a late payment fee to my account.

Company response to consumer: Closed with explanation