BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX/XXXX Date : XX/XX/2018 Inquiry Type : Unknown - Credit Extension, Review, Or Collection I did not authorize this inquiry

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A payment was forwarded electronically to Synchrony Bank for my XXXX/XXXX credit card. Synchrony sent an email stating that the payment is being canceled because the balance is {$0.00}. Incorrect. The balance is {$1200.00}. I put in a dispute because there is a pending charge of approximately {$2200.00} on the account which is wrong. This amount was initially for a mattress set and furniture. XXXX informed me that due to COVID they were not sure when the furniture would arrive. I canceled the order for the furniture only, and am making on time payments for the mattress set, which is included in the balance due amount of {$1200.00}. I contacted Synchrony ( XX/XX/XXXX ) and was told that I could not make payments on the account due to a dispute. The dispute has nothing to do with the balance currently owed. The rep said I could not make online payments nor could they take a phone payment. I called again on XX/XX/XXXX and explained the issue with another CSR, was placed on hold and eventually the call was cut off. I called what I thought was Synchrony headquarters on XX/XX/XXXX to no avail. I have not missed a payment with Synchrony and have a concern that when the dispute is settled, my account might reflect past due payments ( due to Synchrony not accepting payments ), will have accumulated interest, and could negatively impact my credit report, which has an Excellent rating. I forwarded another electronic payment on XX/XX/XXXX and received the same message : the payment is being canceled because there is a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CAINE & WEINER COMPANY, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX CAINE & WEINER ( XXXX ) XXXX XXXX XXXX ; XXXX ; XXXX ( XXXX ) CAINE & WEINER COMPANY INC. ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact : XXXX or XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. As of XXXX. XXXX. XXXX  it is still displayed on all three of my credit report files. 
Attached you will see the discrepancies the items I dispute on the attached copy of the report I received.The information on CAINE & WEINER with a balance of {$490.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Preferred Lease XXXX Date Opened : XX/XX/XXXX  Amount Owed : {$2400.00} I have checked my credit report and I seen an account that is not mine. Experian is the only credit bureau reporting this account. I have a screenshot of all the credit bureaus side by side and Experian is reporting an inaccuracy. By the provisions of the Fair Credit Reporting Act, I demand that this account be investigated and removed from my credit report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days.

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 2023-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I sent via certified mail to the headquarters of capital one financial corporation addressing the XXXX XXXXXXXX XXXX and the legal department, my legal tender of payment ( Bill of exchange ), Along with the instructions regarding account ending in XXXX. Capital one responded XX/XX/2023, stating my request could not be acted upon because I was currently the primary account holder, and responded on XX/XX/2023, stating in order to fulfill my request that i could either call or mail in the documents for my consent to this request. I then proceeded to call and spoke to a representative named XXXX ID number XXXX and a supervisor named XXXX ID number XXXX, neither of the persons i spoke to knew what i was explaining and denied my request saying that it was not accepted and that they do not accept the form of payment that was sent via certified mail. On XX/XX/2023, I mailed my petition for equitable relief to the clerk of court for the United States district court in the eastern district of North Carolina. On XX/XX/2023, I sent via certified mail another bill of exchange for accounts ending in XXXX, and XXXX. On XX/XX/2023, I received notifications from XXXX that both accounts were closed by XXXX. I then called customer service to speak to a representative regarding the accounts being closed, i was told i would be receiving in the mail as of why they were closed. On XX/XX/2023, I received the letter in the mail stating my accounts were being closed ( illegally ) and stating that i was still responsible for paying until account reaches XXXX. On XX/XX/2023, I sent via certified mail to the XXXX XXXX XXXX an affidavit of truth & a cease and desist letter with the demands from i, the consumer, along with proof of the violations that occurred upon closing my accounts illegally, and a bill of particulars for each and every violation that occurred because of capital one 's actions. Capital one is in breach of fiduciary duty which is a violation of civil money penalty 12 USC 504. Capital one has willfully violated 12 USC 504 and is knowingly in violation of 12 USC 504 and has still not complied. Capital one is also in violation of 15 USC 1666d and several other codes listed in the attachments provided. I hope this matter is resolved in good faith for I have been damaged by capital one 's illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Harris & Harris, Ltd.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have receive numerous daily calls for the past 12 mos or so from this debt collector, Harris & Harris. After figuring out how to block their number, they still call and are able to leave a messages. There is zero contact from them through the mail. 

I called them on XX/XX/XXXX I called them back, verified all my information and asked them to stop calling me, twice, and to only contact me via U.S. mail. 

They have since called on Sunday XX/XX/XXXX @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Unaware of debt, never contacted, never validated or verified, account written off and sold and I do not have a contract with collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Selene Holdings LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi my mortgage servicer is Selene, I was awarded XXXX that only XXXX was applied to the account from XXXX  XXXX in XX/XX/XXXX. On XXXX XXXX they sent out a demand letter stating XXXX was due. As of XX/XX/XXXX our home is now in foreclosure. We had 30 day grace period when Selene took over for XXXX XXXX  awarded 30 day grace period also we never received We was charged for fees and advances XXXX on XXXX XXXX. I'm sending documents showing additional over charge. 
If you need more information call XXXX email me @ XXXX Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Mintex Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Refused to resolve traffic tickets or allow me make proper payment arrangements. Misleading customer service. Told me I didnt have to pay tickets I do still have to pay in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I filed a disputes with XXXX, Equifax, and XXXX in regards to my credit report. It has been well over 30 days and I have not received any investigation results. On XX/XX/2021, I also sent all three credit bureaus 30 day demand to comply letters and I still have not received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 o 4 a section ) also states a consumer without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

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 2018-08-05
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: Personal information incorrect

Complaint:
On XX/XX/18, I sent a request to have all my information updated : 1. To have all old addresses deleted off of my file, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

2. To update my name on my file.

3. To update and delete all old phone numbers.

4. There are -2- collections on my report and I have asked for validations for these collections to prove that the debts belong to me.

The above was -not- done or updated. 
On XX/XX/18, I sent in another request for this information to be followed up with and still to date nothing has been corrected on my report. 
This company failed to get back to me within the 31 day period so therefore they are in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX contacted Experian in XXXX requesting for an inquiry to be masked from my credit profile. They have yet to update this information.

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 2020-12-03
Company: CBC Companies, 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:
XXXX XXXX, XXXX XXXX, Violates my given Rights in reports, an refused to remove, Reinvestigate a dispute Request about Entire Public Records Section, displaying XXXX Unverified Bankruptcies, Incorrect reporting. Dates, case numbers, amounts, and court info is wrong. Asked for Method Of Verification, They did not give me how/ who furnished the information. MY right under Section 609 states I have a right to know provided information, they told me I dont have that Right and its not a Law. ALL Public Records Items Were Not 100 % Verified with the actual Data Furnisher- the Courts, in which i provided documentation from the Courts is included. This is Defamation of Character and also violated/ continues to Violate my Rights under FCRA and FTC XXXX CFPB which they choose to Buy & purchase inaccurate information that Was Not Completely Verified. I ASKED AND BY law to Remove said information in Public Records Section concerning XXXX wrong inaccurate Bankruptcy cases. Documentation provided from which they told me they Verified with below equifax website and letter states XXXX XXXX, no bankruptcies are on my XXXX XXXX, XXXX said Court Clerks themselves, Court furnished me letters & said They Don't Verify with CRAs and its online. Well online is full of Fraud and XXXX information and victim of Identity theft already, keep using inaccurate unverified online platforms or a 3rd party to gather is in Direct Violation of my Rights and Breaking the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: IN
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: MoneyLion 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:
On XX/XX/XXXX I took my cat to the vet after being hit by a car. The short of it, he needs an operation that costs XXXX $ to save his leg. I spent 5 years fixing my credit so I figure XXXX XXXX would increase my card to that. Nope ... Denied due to inaccurate reporting of an account by moneylion. My bank information did not update in their system which caused my payment to be THREE ( not 30 ) days late. I got back on a payment plan and paid as agreed. Upon receipt of a final payment from my mortgage refinance they FINALLY decide to report the account and report it late AND in collections and claim it's 90 days late. I was only late twice and both times, even combined, is less than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Yes Hard Inquiries have been addressed with the 3 major Credit Reporting Companies however for reasons I am unable to understand or explain the Credit Reporting Companies fail to remove the Inquiries when they expire. XXXX XXXX XXXX made an inquiry on or about XXXX XXXX, 2015, that resulted in a HARD INQUIRY which should have fallen off my Credit Report however it remains and continues to be reported. There are other Hard Inquiries that will be expiring soon and hopefully they will be removed without submitting a Complaint or further review of my Credit Report History.

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: LA
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 certified mailed letters to XXXX XXXX XXXX XXXX on XX/XX/2020, in regards to a closed account erroneous, incorrect and unfairly reporting on my credit reports. I asked that the company provide the following to prove the account belongs to me and should be reporting on my credit reports. XXXX XXXX XXXX XXXX failed to respond to me within the given 30 days stated in my letter. I haven't received a phone call, email, or letter in regards to my letter and I ask that the account be removed from my credit report due to failure to prove it belongs to me. Attached are the letters, certified receipt, and delivery receipt.

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 2022-04-05
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loans were recently updated with the PSLF waiver but my " ineligible payment '' count was not updated on my consolidation loans. The ineligible count on my other loans is 24 and the ineligible count on my consolidated loans is still XXXX.

Also, submitted a in school deferment waiver and the months from XXXXXXXX XXXX XXXX have not been added anywhere to my account even though I have a ECF on file covering that timeframe.

Company response to consumer: Closed with explanation