BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: Avant Holding Company, Inc.
State: AZ
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:
The credit bureau has reported XXXX late payments and Ive tried disputing them with company. I was told system doesnt go back that far.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Statebridge Company
State: NV
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 XXXX XXXX 2016 my mortgage went up after having a loan modification five years ago. I know I should have been on top of that but after five years I completely forgot, so I sent to Statebridge my regular mortgage payment. They put the money on an account named unapplied funding. XXXX they called me and saying that I was late, and then they said that I did not sent the monthly payment. They said that they sent me a letter reminding me that my mortgage loan was going up on XXXX and that is not true. I never received that letter. 

To make the history short it took me 4 month before I was able to speak with a manager. They didnt want to cooperate at all and the whole issue took me seven month until I filed the report with the federal consumer agency, ten days later XXXX XXXX called me and apologized and said.. XXXX XXXX I apologize..You were right, I was wrong the money was yours and we put it back in your account and waived all the late fees. I told them that they need to report the right thing to the bureau of credit as we agreed since the beginning of this dispute that he ( XXXX XXXX ) said that they will do it if I was right, and I was. 

I filed a dispute with the bureau of credit because they refused to fix that with them. Today, I received the result of my dispute and said that Statebridge reported that the report is accurate. I dont believe it is because if they want to report the month of XXXX as being late because I forgot that my mortgage payment was supposed to go up that month its ok, in part was my fault but not the other 6 months they are reporting. Those six month I was in constant communication with them trying to fixed this matter. What they did was every time I sent my mortgage payment they applied to the month before so I was late for every single month after that. 

They misplaced my mortgage payment for one month and make late for the following 6 month. If I was late like they are saying how they found the money applied back to my account and waived all the late fees? They waived all the late fees because they know I wasnt late. The bottom line is that they made a mistake and fixed but I am the one paying the consequences. 

I really appreciate if Statebridge finally fix this entire problem and recognize that they did me wrong. I need my credit report to be fixed and to do that Statebridge need to report the right thing to the bureau of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance {$0.00}.

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 2022-08-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2021-09-01
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act., as well as the 15 US C 1681a ( 2 ) ( B ) I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2020-07-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
It has been nearly two months since I mailed letters to the credit bureaus but I have received no response from them. It is my understanding they have thirty days to respond so they have gone far past the deadline at this point. I sent the first letters XX/XX/20. I sent more letters on XX/XX/20, but at this point I don't believe I will receive a response so I am asking for assistance. I will attach the first letters with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
BEING A VICITM OF AN IDENTITY THEFT, I HAVE BEEN STRUGGLING TO HAVE THE XXXX XXXX XXXX FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT, MY CREDIT PROFILE, THE CHARGES ON THIS ACCOUNT ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I HAVE REACHED OUT TO XXXX  XXXX XXXX AND TO TRANS UNION TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I HAVE SENT THEM ALL REQUIRED DOCUMENTS AND PERSONAL STATEMENTS. BUT I FEEL LIKE NO ONE CARES ABOUT THE CONSUMER.

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 2020-05-27
Company: I.Q. DATA INTERNATIONAL, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
IQ Data called me today XX/XX/2020. The representative did not properly verify who I was before going into detail or give a balance for the account in there office. I was confused. Then when I asked to set a payment arrangement I was told no because I wouldnt qualify and need to pay in full. The collector told me this would negatively impact my credit report. Also I tried to dispute a portion of the balance which show refused and said to have the original creditor refund me after I paid them? I asked for a manager who did nothing but threaten me the whole time. I offered XXXX a month on the balance of XXXX he refused and said I would be sued if I dont pay in full now. I tried to make a payment today of XXXX and then XXXX starting next month until the balance is paid other then a small amount I wanted to dispute. He told me no and told me to mail in a payment. The manager flat out told me they were coming after me if this debt wasnt paid in full today or this month. These are abusive and aggressive collection tactics and I told them that. They didnt care. I requested no more calls and valuation of debt. They are impossible to talk to and I have no idea how I will begin to pay this because they refuse to work with me in any way beside XXXX in full. Please help!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I applied for a business loan with a company called XXXX. They asked me for business banking statements, and then offered me a loan at 80 % interest APR. They said the reason was due to " my personal credit score being below 500. '' Our business is a separate XXXX XXXX ( XXXX  ). 

I never gave this organization the authorization to access my personal credit report. I was never asked, and never told that my personal credit would be accessed. 

They violated my trust and accessed my credit file without permission, and now have caused my credit score to go down further, having done a " hard pull '' of my credit report from XXXX  and TransUnion

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 2021-02-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
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:
Filed complaints with FTC # XXXX. Select Portfolio Servicing is not the legal rights to service this loan and currently reporting inaccurate information on my credit report without documentation violate the FCRA, FCDPA AND RESA LAWS!!! The refuse to give me a modification or forbearance under the CARES ACT and trying to sale my home although they are not the PRIMARY LIEN HOLDER AND MY HOME IS APROVED HOMESTEAD IN PENNSYLVANIA. This HOMESTEAD LAW states the only the primary bank can foreclosure NOT secondary banks. XXXX XXXX  does not have any legal right to have SPS PROVIDE SERVICES AS THEIR COLLECTION COMPANY. They are committing FRAUD!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: EQUIFAX, INC.
State: OR
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
It must discrimination if you get turned down by a credit card company by having a credit score of XXXX, with no missed payments, and very creditworthy. I used to be a member of XXXX, a company affiliated with Capital One, and twice I have received a preconfirmation of approval for a credit card. After receiving these approvals, see attachment, I get denied for having too many opened credit cards or inquiries. 

Therefore, I would like the federal government to investigate the company, on how many minorities have been turned down in the past year, maybe two years. So, we could have some enlighting on how they are discriminatory to minorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried to dispute an address from my report due to this not even being a existing location here in XXXX, La, they keep reporting it as updated. There s no road here named that, it is a complete misspelling which makes it 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 explanation
Consumer complaint received 2020-11-11
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:
I recently got an alert from XXXX on the XX/XX/XXXX that MONEYLION flagged my account or marked as charged off with this particular loan account which I hav never took out. The date of the said loan was on XX/XX/XXXX. The loan was cancelled already. I cancelled immediately when I applied for that. The customer service on chat even confirmed me that indeed the loan was cancelled l. It shows a balance if {$150.00}. I filed a dispute already but according to their credit report dispute department the credit report was accurate. It doesn't make any since there was actually no existing loan and it has been voided. It lowered my credit score for more than 25 points. I filed a dispute from XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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: Information belongs to someone else

Complaint:
show tooltip button XXXX XXXX XXXXDispute XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute FILED FTC AND CFPB 45 DAYS AGO

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 2019-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am trying to get Capital One to correct the reporting on my Credit Report. I have attached proof that shows that I was not late on the months that are marked as late on my Credit Report. I am requesting that this Bank Error be corrected. I have sent disputes in to the credit bureaus but they told me to contact the Data Furnisher, Capital One. Please communicate in writing only. No phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX. XXXX XXXX XXXX I had insurance at that time. The hospital did not file it. I did n't know about it for 2 years, then got a letter from the collection agency for {$1200.00}. The collection agency threatened to sue me if I did n't pay. I am sending them $ 10.00- {$20.00} a month. I am on Social Security XXXX, a very low fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PAYPAL CLOSE MY ACCOUNT FOR NOT REASON  AND WILL NOT HELP ME  WITH GETTING IT BACK UP AND GOING.   EVERYTIME WHEN I TRY TO WITHDRAW MY MONEY FROM MY ACCOUNT   THEY JUST BLOCK ME  FOR AVOID THAT I CAN TAKE THE MONEY OUT.  THEY TOLD ME  AFTER 180 DAYS I WILL BE ABLE TO WITHDRAW BUT THAT  IS NOT TRU , NO I AM STILL WAITING FROM MORE THAM 260 DAYS AND THEY DONT WANT GIVE ME  THE MONEY.

MY ACCOUNT WAS ALREADY VERIFY WITH ALL MY PERSONAL INFORMATION AND I NEVER MADE ANY MISTAKE.  
PayPal IS NOT COMPLYING WITH WHAT YOU SET IN YOUR OWN POLICIES.  NOW THEY'RE THIEVES. THEY OFFER YOU A SERVICE AND WHEN YOU USE IT THEY BLOCK YOUR ACCOUNTS AND SAY THAT THE TERMS AND CONDITIONS HAVE BEEN VIOLATED BUT NEVER SPECIFY AND DO NOT TELL YOU THAT TERMS HAVE BEEN VIOLATED. THE TRUTH IS, THEY DO THIS TO STEAL THE MONEY.
I NEVER HAD ANY DISPUTE OR CHARGE IN MY ACCOUNT.  
THEY JUST CLOSE MY ACCOUNT WITH ALL MY MONEY WITHOUT REASON .

THEY  NEVER TAKE MY CALLS OR RESPOND MY MESSAGE .

I RECORD EVERYTHING     ABOUT THAT COMPANY JUST STOLE MONEY FROM THE PEOPLE  WITHOUT ANY RESON .

PAYPAL IS NOT DOING HER JOB PROPERLY AND THAT THE REASON I AM FILE A REPORT HERE.

PAYPAL IS VIOLATING THE RIGHTS OF PEOPLE BY CLOSING ACCOUNTS TO KEEP THE MONEY AND SO MAKE  COMPANY GROW WITH THE MONEY THAT IS STOLEN FROM PEOPLE.
SEE THE PROOF ,   ALL PICTURE.
MY EMAIL IS,                                  XXXX

PAYPAL JUST HOLD MONEY AND THAT IS A CRIME .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: ALLY FINANCIAL INC.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX was closed by the state of Minnesota via Governor mandate from the dates of XX/XX/XXXX, reopened at 25 % capacity from XXXX and closed again from XX/XX/XXXX to mid-XX/XX/XXXX. We had almost XXXX income at no fault of our own. As XXXX XXXX XXXX our top priority was keeping our staff paid. My husband called Ally and explained our situation. We were told special considerations would be made for late payments during government mandated shut downs due to the pandemic. We were marked down as late for both XXXX ( preparing for shut down round two ) and XXXX when we were completely closed. Both months we were 1 day late - scrambling to pay all of our bills with no aid available at that time. Again, the small business community gets absolutely abused by those unaffected by this pandemic. Even being told we would receive special consideration on reporting due to the circumstances due to the pandemic but not having that honored. We filed a dispute through XXXX and instead of removing our late payments from XXXX and XXXX they CHANGED them to XXXX and XXXX when we werent closed. How is this legal and how is this possible. Even though we werent closed during those months we were operating at such a reduced capacity I think it is beyond reasonable to not submit negative reports to XXXX XXXX  who were subject to significant limitations and closures to their 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 2019-02-26
Company: CADENCE BANCORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I authorized State Bank and Trust of Georgia to auto-debit interest payments from my personal bank account with XXXX XXXX XXXX in Maryland. State Bank and Trust has recently been purchased by Cadence Bank , N.A . On XX/XX/19 Cadence Bank , N.A . debited through ACH {$950.00}. On XX/XX/19, State Bank and Trust debited {$950.00} from the same account. This second payment was not authorized. I contacted the bank as soon as I learned of this through a review of my financial records. This second erroneous and unauthorized debit from my account put a significant strain on my finances and required utilization of overdraft coverage with XXXX XXXX XXXX. 

My online account with Cadence Bank , N.A . confirmed a credit for {$95000.00}. There was no record or credit of the second debit of the same amount. I contact a banking representative who stated after XXXX emails that the bank was investigating. I emailed again on XX/XX/19. A response stated that I should be receiving a credit from my account. I have no credit in my account at XXXX XXXX XXXX as of this writing. 

Cadence Bank, NA has violated the terms of my ACH authorization. I have emailed twice regarding my revocation of authorization for auto-debits from my account. They refuse to acknowledge this request. 

I have placed a stop payment with XXXX XXXX XXXX for Cadence Bank and State Bank and Trust for any auto-debits. I have email a copy of a letter to this effect. 

I am requesting help should I not receive a credit, in a timely fashion, for this erroneous second debit which has cause my family significant financial hardship. They refuse to acknowledge this hardship or my desire to be invoiced directly, prior to authorizing payment, for any interest payment due on this loan.

Company response to consumer: Closed with explanation