BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-03
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
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:
I have a card from FNBO and I normally keep a XXXX balance since I pay it off every month. I did a balance transfer 2 months ago and they're transferring my debt from the balance transfer queue to the higher rate part of the card. New payments are going solely to the transfer amount at the lower rate and nothing is being applied to the new charges that will all carry the higher interest rate. Per the card act, payments over the minimum payment should be applied to balances with the higher rate- those new charges will carry the higher rate. Please help me fix this!

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 2020-09-02
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: Information belongs to someone else

Complaint:
TODAYS DATEXX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$4400.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$730.00} Closed XXXX XXXX XXXX   XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed OTHER LOANS XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$3300.00} Needs Attention XXXX XXXX : XX/XX/XXXX +  {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Shellpoint Partners, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am constantly at odds with my mortgage company about accurately and timely reporting to the credit agencies. My mortgage company is adversely effecting my credit score by not reporting in a time manner. They consistently wait up to 90 days or more to report. I am currently missing entries for the month of XX/XX/XXXX ( no data ), XX/XX/XXXX ( no data ), XX/XX/XXXX ( Incorrect data ), XX/XX/XXXX, and XX/XX/XXXX are missing. I have filed so many disputes with the credit entities about this situation they have stop accepting my disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have repeatedly ask this company to close this account and they refuse to close it. Theyre reporting that Im late on my charges and I dont have any charges. Theyre adding on exuberant charges for late fees and all other kinds of fees. It went from a {$250.00} charge card to a almost {$800.00} due to fees and other late charges. Theyre one of the companies ruining my credit, these companies give you a card and all of a sudden ask these hidden fees come into effect. I need help, this pandemic is not going away and I dont have any money to pay extra for fees and late fees I never incurred. How can they say I owe them and I have available credit of {$68.00} per their website. Hows that possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " NATIONAL CREDIT ADJUSTERS '' and an amount due which has already been paid long time ago. I had been harassed with callss. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX but was denied. Then the collection calls from NCA started

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

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 2020-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

1. ( Original Creditor : ) acct # XXXX Bal {$1900.00} 2. PORTFOLIO XXXX XXXX XXXX Bal {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Made dispute with Bank of America fraud department on transactions that were made in XXXX. I did everything as instructed including a police report. I was told there wasnt a sufficient amount of evidence to be in favor of my claim. Its over {$3000.00} missing from My business account and Im about to withdraw all my funds from my personal and business 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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2021-01-23
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Contacted the Winn Law Group who are located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I contacted them at XXXX XXXX XXXX XXXX on XX/XX/21, XX/XX/21, XX/XX/21 and left messages on their voice mail system. I never received a return call. 

On XX/XX/21 I spoke with customer service clerk XXXX at extension 107. Faxed and emailed paperwork requested. 

XX/XX/21 -called to follow up and left a voice mail. 

XX/XX/21 -spoke with XXXX ( customer service supervisor ) informed her the requested collection was not my debt and asked the process to dispute this account. I was placed on hold for for 1 hour. I then attempted to call back and was forwarded to a voice mail where I again left a message. After calling and pressing another extension I spoke with an XXXX who stated " no one was available, and I could not speak with anyone ''. I asked to speak to any lawyer who was available and he then stated he would transfer me and the phone disconnected on the business end. I called back and was forwarded to voice mail. I left a message and yet to receive a return call. 


XXXX Left a voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Home Depot credit card advertises 6, 12 and 24 months deferred 0 % interest on balance if paid within the alloted time. I have a Home Depot revolving credit card for which there was a minimum payment due of {$47.00} on XX/XX/XXXX. I mailed a payment of {$600.00}. They applied the excess payment over the minimum to a 0 % deferred balance that expires on XXXX in the amount of {$540.00}. I called to have the excess balance applied to the revolving balance and save interests with a plan to payoff the deferred interest balance by the next monthly cycle. ( I have been able to reallocate posted payments in the past. ) This saves the consumer interest and still allows me to pay the {$540.00} due on XXXX without incurring interests. The supervisor that I spoke with ( XXXX did not provide a last name ) quoted me the 2009 Federal Card Act as a reason why they no longer can reallocate payments towards the revolving balances and the " excess '' payment needs to be allocated to pay down any deferred balances due within 60 days.

Conclusion : The consumer should be given discretion or the right to save additional interest charges on their Home Depot credit card account by paying off the interest bearing portion of their balance prior to expiring deferred balances. Home Depot advertised 6 months deferred interest but their card administrator is forcing a reduction of one month from the premature allocation of payments. The consumer should be given an option.

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 2018-04-05
Company: LendingUSA
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Loan taken out with Lending USA at XXXX of XXXX. Originally spent {$2700.00}. This was cost of puppy, and all the dog food, vitamins, crate etc that the store said I needed. If I didn't use their dog food and their vitamins then it voided the warranty on the dog if something happened to it. Needless to say there were many vet trips due to XXXX XXXX, XXXX XXXX due to it being in a crate and had swallowed XXXX among other things. I have already paid of {$1500.00} on the account and they are only showing my balance down to {$2700.00}. If this is the rate, it will never be paid off. The terms given to me by the rep who did the financing and what I have actually ran into have not been accurate. They are applying little to my principal and I feel I was over charged for the dog at {$1600.00} when I realized people made offers on dogs and they took them. I was never told that was an option. I feel like they are using these poor animals and just scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: NH
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:
Hello, Hope someone can hear my cries and help me with this " XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1800.00}. 
I've called Experian and XXXX  asking them to remove this XXXX  they refused. I tried to contact XXXX  and asked how can I resolve this? They want me to pay for something I have no knowledge of. I lived in Florida for a few years I found out Florida is very high and # 1 when it comes to stealing other people Social security number. I had to put a freeze on my credit at one time I now removed the freez. 

Thank you, XXXX Bless you!

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 2018-04-03
Company: Experian Information Solutions Inc.
State: NC
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:
Fraudulent activity was the only account which they closed it and sold it within 30 days I have never been late when I was aware of the situation I paid it in full credit report is reading failed to pay still two years later which is completely wrong credit once if theyre not reporting this I sent them another letter the other day I have sent him several and they said it would be removed they sold the debt debt collector shows it painful I do not have all the information about the fraudulent activity as XXXX XXXX does

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 2021-01-23
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
There was a loan of {$2500.00} taken out from regional finance on XX/XX/2020 using my name, fake email address, phone numbers i do not recognize, and my accurate drivers license number. I was not aware until XX/XX/2020 when i checked my credit karma which I then disputed right away. I have made a police report, sent an affidavit I was asked to complete, and filled out paper work the loan office. I disputed the loan from my credit and it came back as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Netspend Corporation
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received a Brinks Money Prepaid Mastercard in the mail. The card displayed my name, and came to my home address through the mail. I have not requested the card, and am not sure if it is a scam. It does appear to be very shady practices, and possibly illegal. The card has a activate telephone number to call, and a bank routing number and account number. The routing and account number is not my personal bank or account but it is alarming that the card is requesting I send a copy of my employment check. I do no know how Brinks obtained my name, and address, but I am concerned it is possibly fraud, or illegal consumer practices. I do not wish to receive any offers of credit or any other financial services from Brinks Money Prepaid Mastercard.

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 2021-02-13
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: Information belongs to someone else

Complaint:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised and misused by unauthorized individuals. Im demanding an investigation and immediate removal of the following accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX  XXXX 4 ) XXXX XXXX XXXX 5 ) US Department Education 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX  8 ) XXXX XXXX  9 ) XXXX XXXX XXXX 10 ) US Department Education 11 ) US Department Education

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 2020-10-23
Company: EQUIFAX, INC.
State: MO
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:
My identity has been compromised and misused by unauthorized individuals. Im demanding an investigation and immediate removal of the following accounts. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX   XXXX 4 ) XXXX XXXX XXXX 5 ) US Department Education 6 ) XXXX   XXXX  7 ) XXXX XXXX XXXX  8 ) XXXX XXXX  9 ) XXXX XXXX XXXX   10 )  US Department Education 11 ) US Department Education

Company response to consumer: Closed with explanation