BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
sent police report files ftc Federal Trade Commission charges that it illegally assessed more than {$36.00} XXXX worth of fees against struggling homeowners, in violation of an earlier settlement with the FTC. 

XXXX XXXX : In the XXXX XXXX breach, XXXX XXXX people in the United States and XXXX XXXX in Canada were affected. According to the bank, most of the stolen information came from the credit card applications of consumers and small businesses. ... XXXX XXXX has posted information about the .. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a letter from a debt collector regarding a credit card bill. They address they have on file I rarely reside in its my mothers home so at any time if they did sent me letters I did NOT receive them. Now they are threatening to garnish my wages AGAIN and get my employer involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Big Picture Loans, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Loan Start date was XXXX/XXXX/2017 for {$600.00} dollars.
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When I signed up I thought I would only have to pay back {$720.00} including a {$120.00} finance charge.
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I have tried to pay off the loan multiple times but they say oh its too close to your loans next due date and auto draft my account for for {$160.00}. Almost all of this goes towards interest so far I have payed Interest Paid To Date : {$980.00}. This is utter predatory and ridiculous. You can not see the % rate until after the terms are signed. They keep adding load extension fees. I do not want to extend it I have tried to pay it off but they refuse siting its too near the payment day and it has been processesd already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: NV
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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-07
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX of this year I made an agreement with Alltran financial regarding one of my accounts. I made a one time lump sum payment to close the account and I have been continuing to make monthly payments on the other account. I just received a collection letter from XXXX XXXX solutions trying to collect on the account that I settled with Alltran in XXXX of this year. Not only did they lie to me on this account being closed but they sold it to another collection company.

I'm a little confused. If a person honestly tries to make right debts they owe, is their no responsibility on the collectors side to be honest?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
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 status incorrect

Complaint:
EXPERIAN TOOK THE INFORMATION FROM XXXX XXXX WITHOUT EVEN INVESTIGATIONS THAT 1 ) I NEVER CLOSE THE ACCOUNT AT MY REQUEST. 
2 ) HAD BEEN WITH XXXX  XXXX  SINCE 1992 FROM XXXX. 
3 ) ALWAYS PAID IN FULL EVERY MONTH ALL THESE TIME FOR 38 YEARS. 
4 ) LAST 2 YEARS WE HAD A DISPUTES W/ A MERCHANT ( XXXX   XXXX  ) FOR {$500.00} THAT NEVER FINISH THE JOB, JUST WALK OUT. 
5 ) XXXX XXXX NEVER FINISH THE DISPUTES. THEREFORE, UNABLE TO PAY FOR UNFINISHED JOB.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Several investigations have took place, even a civil suit with a settlement offer from an unauthorized person sent from trans union... I would like this account blocked pursuant to 15 USC 1681C2. Transunion is already in receipt of all necessary documents according to FCRA. However their human investigation has not fixed the XXXX XXXX XXXX XXXX ACCOUNT. AMOUNT XXXX. TRANSUNION DOES NOT HAVE AUTHORITY TO COMMUNICATE WITH OT TO THE CONSUMER REGARDING ANY DEBT. NOT ONLY THAT but they refuse to supply documentation given and required by FCRA to include in disputes to which has been submitted to transonic on multiple occasions. Transunion has sent me an affidavit of identity theft has been submitted and sent to the company as of XXXX XXXX as to which I hope resolves this matter. 

The is listed as a charge off, The IRS listed charged offs as income, and income never gets reported to credit bureaus .... I too have filed a 1099-C to the creditor and IRS

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 2023-08-07
Company: U.S. BANCORP
State: LA
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:
US Bank business card - payment account was blocked by US Bank after XXXX bank errors drafting auto-payment. Due to the payment issues, late fees were assessed repeatedly, after which over limit fees began to be assessed because the late fees caused the account to go over balance. At no time were charges declined, nor were extra efforts made to have the payment account addressed or updated. Upon speaking with US Bank, they declined to remove the extraneous late and over-limit fees and every time I was transferred to speak with a supervisor, our calls were disconnected. 

Highly unscrupulous and predatory banking practices!

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 monetary relief
Consumer complaint received 2020-02-29
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received notice that my loan was transferred to Freedom Mortgage Corporation from XXXX XXXX on XX/XX/2020. On my first mortgage statement I was charged a fee of {$120.00}. There was no explanation for the charge. The last statement from XXXX XXXX did not include this fee and my XXXX payment of {$2500.00} was processed by the previous loan servicer on XX/XX/2020. After waiting more than an hour for someone to take my call, I asked the Freedom Mortgage representative ( XXXX ) to remove the fee and he stated that the fee was from the previous servicer ( XXXX XXXX ) and could not be removed. I was told that there was no way to credit the fee because it was from the previous servicer and no further attempt was made to resolve the issue. When I asked to be transferred to a supervisor, the call was disconnected.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The account was updated as correct according to the Fair Credit Reporting Act where it said by law I had the right to challenge anything I am not sure is accurate According to 1681i ( a ) if proof is not provided within thirty 30 days the account should be DELETED

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 2020-02-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX ( AKA " XXXX  " ) HAS BEEN STEALING MONEY FROM MY PAYPAL ACCOUNT!!!!!!!!! AGAIN!!!!! NEW STEALING BY XXXX HAPPENING THIS YEAR!! ( 2020 ) Dear CFPB - I have to keep this brief - because I am suffering from problems with my XXXX!!!! & because I need to write other letters to other people about other things! I have filed more detailed complaints about XXXX before! I will file more detailed complaints about XXXX later! For now - I need to keep this short! 


I cancelled XXXX XXXX so-called " service " months ago! I made it clear that they were NOT - repeat! NOT!!! allowed to take any more money from my accounts! 


Apparently - - - XXXX  used a different merchant id to steal more $ $ $ from my 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 monetary relief
Consumer complaint received 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
RE : Transunion Credit Report. 

I have several Credit Inquiries I have No Knowledge of requesting I have contact Via US mail the creditor and also Transunion To No Avail. 
These Inquiries listed below Were not Aurtorized by me and transunion or Creditor has not removed. 

XXXX XXXX XX/XX/2019 XXXX Unauthorized Inquiry XXXX XX/XX/2019 XXXX 2 unauthorized inquiries XXXX  XXXX  XX/XX/2019 XXXX Unauthorized Inquiry XXXX XX/XX/2019 XXXX 2- Unauthorized Inquiries XXXX XX/XX/2019 XXXX Unauthorized inquiry XXXX XX/XX/2019 XXXX Unauthorized Inquiry XXXX  XXXX  XXXX  XX/XX/2019 XXXX Unauthorized Inquiry XXXX  XXXX XX/XX/2019 XXXX Unauthorized Inquiry As I said I have contacted Via US Mail and Phone calls The Creditors and Transunion, Creditors had me contact Transunion and Transunion Had me call back Creditor, I feel they are Not acting Fairly with this. 

Regards XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.

I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.

Enclosures : a. Identity Theft Report b. List of Fraudulent Accounts on my Report c. FCRA Sections 605,609,6011 d. Proof of Identity To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent accounts opened without my consent.

I did not open these accounts, nor did I give anyone authorization to do so. I am requesting that the accounts are removed and blocked.

I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The attached information therefore needs to be investigated.

I respectfully request to be provided with proof of these alleged items, specifically the contract, note or other instrument bearing my wet signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Dear Sir/Madam, I have an excellent credit history and recently was approved for the Capital One XXXX credit card. I received my card and activated this and tried to purchase a bookcase from XXXX XXXX. My Capital One credit card was restricted and I called Capital One customer service to inform them that I am making this purchase and to unrestrict my credit card. The customer service agent stated that there was nothing that she can do and that I will have to wait for 7 to 10 business days for the restriction to be uplifted. I have Bank XXXX XXXX XXXX XXXX and have had no issues, and you can resolve restricted access by texting or contacting the bank. I will cancel my Capital One credit card, but I never expected such fraudulent behavior from a " reputable '' bank. I suspect that Capital One is deliberately restricting access without having to provide an explanation to the customer to make it difficult to receive the sign-on bonus when you make purchases within the first 4 months. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Worldwide Processing Group, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company keeps calling me about a debt that is owed. I informed them that I could not afford the debt and I still keep getting at 3 calls a day threatening legal action. They are also contacting my fiance and other relatives

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: BARCLAYS BANK DELAWARE
State: GA
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 would like to have these unauthorized fraudulent inquiries removed from my credit report XXXX Inquiry : XXXX XXXX, XXXX  + Department/Variety and Other Retail ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: CAINE & WEINER COMPANY, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CAINE & WEINER ( 01 XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have signed up for recurring payments with Sallie Mae 3 times in the past 6 months with their 3 month automatic payment plan. I contacted them XX/XX/XXXX after 3 payments were to have been taken out of my account ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and they said the XX/XX/XXXX payment had gone thru but the payment for XXXX had not. I contacted then again shortly after and they said none of the previous payment had gone thru so my account was delinquent. When I inquired the customer service rep they said my account was delinquent and the only way to get it current was to sign up for automatic payments which I did on XX/XX/XXXX again. When the payment scheduled for XX/XX/XXXX was not debited I contacted the customer service department again. They said My account was delinquent once again and that My only way to bring it current was to sign up for automatic payments. The next payment was debited on XX/XX/XXXX which only was debited from my account because I made the payment not because it was automatically taken from my account as it was supposed to be. During this ordeal my credit score has suffered, and received negative marks due to Sallie Mae 's inability to keep up with my payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-11
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has been pure XXXX to work with on getting my deceased father 's house out of probate. They have given confusing instructions. I was appointed as Personal Representative by the Second District Court of the State of XXXX  in XXXX Utah  for my father on XX/XX/XXXX. I confirmed on XX/XX/XXXX that Freedom received the required probate documents. We spent a week of getting nothing but roadblocks as I tried to resolve the situation. The plan is for me to take a hardship withdrawal from my XXXX XXXX  though XXXX administered by XXXX. I've requested a breech letter, so that my XXXX can release the funds. This is a VA backed Loan and the loan technician is XXXX XXXX and she has been great to work with, but she can only do so much Freedom Mortgage needs to provide the documentation needed for me to bring the mortgage current. I called Freedom Mortgage multiple times. On XX/XX/2023 I talked with a representative and I Identified myself as my Father 's representative through probate. She said I needed permissions from the co-borrower. Per the VA there is no co-borrower. Per the Second District Court of the State of XXXX  I am the representative of the only borrower on the loan. The late XXXX XXXX XXXX XXXX. The probate case number is XXXX and is filed at the XXXX XXXX XXXX XXXX XXXX XXXX Utah at XXXX XXXX XXXX XXXX Utah XXXX. This is a direct violation of the court order. They later required me send a copy of my Driver 's License. Something the first representative, whom later hung up on me never advised me, Their e-mail system sent me multiple rejections on the e-mail for the driver 's license image. I am the XXXX XXXX  in XXXX of the deceased and only borrower and have Power of Attorney on my his surviving spouse. Me and My Mom want to assume the loan, and I have access to the funds to assume the loan. Freedon Mortgage does nothing but drag out the process, give confusing and contradicating instructions. it's almost like they want to foreclose on the home of an XXXX  veteran 's widow so they can resell the property at a higher interest rate and my family loose everything. We need Freedom Mortgage to comply with the requests that both myself and the loan agent at the VA have requested, and we need it done in the next few business 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