BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: 950 Credit Inc
State: MI
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:
XXXX XXXX Account : Credit Rent Boost ( CR RENTBOOST ) ACT # XXXX We are under land contract and the lady that we bought our home from has falsely listed my information under a credit rent reporting program. 
We are not landlord tenant. 
I am under a land contract so this information is being falsely reported as we do not pay " rent '' This lady has already started a forfeiture process and signed us up with this program after the fact to affect our credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: Westlake Services, LLC
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I voluntarily gave my vehicle back to the company that was financing it after year you 're not really responsible for the debt is really been three years and I do n't know how do you can take XXXX points when you volunteer to give the car back from my credit report how can you XXXX come up with this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
To Whom It May Concern : I Consumer Dye am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore XXXX XXXX, XXXX was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, XXXX XXXX, XXXX has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : XXXX XXXX XXXX Alleged Account Number : XXXX Alleged Debt : {$2900.00} Alleged Date Opened : XX/XX/XXXX Alleged Date Closed : XX/XX/XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( XXXX ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( XXXX ), FDCPA 12 CFR 1006.34 ( c ) ( XXXX ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. Sincerely, 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 non-monetary relief
Consumer complaint received 2021-12-09
Company: DISCOVER BANK
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
SOMEONE HAS USED MY PERSONAL INFORMATION WITHOUT MY PERMISSION NOW I HAVE NUMEROUS INQUIRIES ON MY ALL MY CREDIT BUREAUS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a phone call today while at work from a number that I had not saved in my phone. Upon answering the call, I cheerfully said hello! as I thought the call might have been work-related. All I could hear on the other line was shuffling noises. Again, in more of a questioning tone, I asked, hello? Then to my surprise the very first thing this stranger had to say to me was, youre just gon na pick up the phone and not say anything, ___? ( My first name ). I must emphasize how aggressively RUDE and informal of a tone that was said in. The negative use of my first name felt quite personal. I had no idea who I was speaking to and was afraid I was being harassed or stalked by the way that called opened up and the abrasive tone used. No longer cheerful, I asked who is this? And then she proceeded to say something along the lines of this is XXXX with AR Resources Incorporate Im just gon na have to ask you a few security questions And I hung up on her. I felt disrespected. And by someone who expects to be collecting my money? Bullying me is not very effective. Especially when I DID greet her on the phone! I said hello not once but TWICE and then was so rudely snapped at for what felt like no reason at all. It felt very personal, as if her salary was directly dependent on whether or not I paid my debt. I called the company directly to first confirm what it was I needed to be paying for ( I owe about {$1000.00} to my school for the the fall 2021 semester ) and I found out that I could make payments in part which I was not aware of. I made a {$25.00} one time payment and do plan to continue making payments so that I no longer owe anything, but no part of me feels any inclination to be making those payments with this specific person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My name is  XXXX   XXXX .   Report number :  XXXX  I had received the credit report and I found out the Experian was missed my credit card record beginning from  XXXX ,  XXXX  till  XXXX ,  XXXX , since I was activated from  XXXX   XXXX   XXXX  card. The Experian gave me the report just shows from  XXXX   XXXX ,  XXXX  till now.   Please e-mail me at  XXXX  XXXX  XXXX  or send it to me at  XXXX   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 2017-04-21
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen,  our mortgage servicing company, ca n't explain why we have  XXXX  plus fees due on our account. I would like to have a forensic look at our documents over the past 6 years with them. How do I go about getting something like that done.?      Kind Regards   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: WELLS FARGO & COMPANY
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo Bank employees or employers took {$96000.00} from my bank account on the  same day I made a withdrawal at the bank. I have proof of this fraudulent activity. This had to be an inside job stealing from customers. The signature of the withdrawal slip does not match my handwriting. I noticed the deduction of {$96000.00} from my account when I checked my balance. I contacted the bank. Filed a report with the bank about the missing money. But as of today, I have not recieved my money. An unauthorized transaction was made on my account and the bank did nothing about it.

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 2023-02-03
Company: eToro USA LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2023 I was trying to purchase crypto with XXXX and eToro popped up at the top. So I signed up and gave all my information to deposit my funds and buy my ETH. After I bought my ETH I realized there was no " send '' button to send my ETH to a new wallet. So I sold the ETH and looked up how to transfer ETH out of eToro and followed those guides. I bought ETH again making this the XXXX trade with any warning or signs that my money would be held. After trying to send it out like the guide showed, I finally came to a page that stated I wouldn't be able to transfer my money out of eToro for XXXX days. After all that there was not XXXX single message, fine print, or warning before and after purchasing the crypto that it would be held for X amount of days. I spoke to representative and XXXX was good but still very unhelpful because they couldn't do anything to help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX 's XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  TN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: Experian Information Solutions Inc.
State: SC
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:
Good afternoon. My name is XXXX XXXX and Im writing today in hopes that someone can help me with an issue Im having with credit reporting on my Experian account. I checked my account and noticed a bunch of inquiries ( Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX MO XXXX of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX Date of request XX/XX/XXXX ) I did NOT authorize. So my first move was to attempt to contact some of these companies, NONE of which were willing to work with me due to the fact I didnt have an account with them. I then proceeded to dispute by mail to Experian. Once they received the disputes, an email was sent to me stating theyve come to a conclusion. The email didnt contain the results to the dispute so I called. The representative I spoke with FLAT OUT told me they were not allowed to dispute them while leaving a vague reason as to why. I asked him about the verification of them as well and he refused to provide anything. As a 609 right I demanded he provide me with the information pertaining to verification and her refused. He then proceeded to transfer me to the identity theft dept before the call abruptly ended. I would love it if someone could please look into this. Im trying to get a house and these things are really a hindrance to that. Experian refused to help me Im hoping you all chose a different path. I would appreciate that dearly. 

Sincerely, 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 2023-05-03
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Netcredit.com has been approving me for a XXXX loan. But instead of varied opinions pertaining to my situation they just decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: CITIBANK, N.A.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Trying to resolve debit. Do to separation. Citi bank just called again at XXXXXXXX XXXX  this is not expecteable. This is harassment.

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 2021-01-19
Company: Atlanticus Services Corporation
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Aspire Credit Card has committed an act of financial discrimination by not accommodating me under regulation e for a dispute filed XX/XX/2020. XXXX Credit Card has not fully disclose my terms and conditions they have charged me fees not within my terms and conditions they are in violation of Regulation Z also. I spoke with a customer representative name XXXX she was very discriminatory and didn't help whatsoever she hung up on me on. I have also found a Dodd-Frank violation complaint against customer service rep XXXX who I spoke with today at XXXX Eastern Standard Time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, account XXXX XXXX XXXX acct # XXXX 15 U.S.C. 1681 Section 602 A states I have a 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 written instructions.

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 2022-07-19
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: Reporting company used your report improperly

Complaint:
Account Name : XXXX XXXX XXXX Amount - XXXX Opened - XXXX Account Name - XXXX XXXX XXXX Amount XXXX Opened - XXXX both accounts no proof have been provided. 
15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions!

15 USC 1681 Section 602 A States I have the right to privacy! please help

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 2022-08-04
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello I tried to submit my XXXX payment online but online portal would not work for me. I ended up calling in to nfcu to submit a payment over the phone the lady told me I was good to go and told that XX/XX/2022 payment was successful. Come XX/XX/2022 I look and see that I'm charge for 2 months due to the representative not handling my account properly. I have never had a late inquiry applied from any account but due to navy federal costumer service I'm now dealing with this issue this was not a error on my end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: National Credit Adjusters, LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I walked into an XXXX Texas XXXX XXXX XXXX XXXX XXXX. I Received XXXX. Now showing I owe over XXXX dollars. Im struggling living paycheck to paycheck. The fees are astronomical higher and increased. Im currently on a {$35.00} per month payment plan. Now being Reporting as a Collection Negative derogatory mark on my XXXX score. Im also disputing the calls, received to my friends and family at all hours of the night and day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Upgrade, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX, I paid off the line of credit in full. On XX/XX/XXXX, Upgrade pulled my normal monthly payment anyway, causing an overpayment of {$230.00}. I called and asked to have the overpayment refunded in XXXX. On XX/XX/XXXX, I received 5 small refunds ( {$0.00}, {$2.00}, {$5.00}, {$6.00}, and {$10.00} ) totaling {$24.00}. These refunds were charged to my account, so I now had a balance owed of {$24.00}. I called on XX/XX/XXXX and the issue was escalated to their research department. I sent copies of my bank statements showing that the {$230.00} was never received. I was told that I would receive a response within a week. On XX/XX/XXXX, I was charged {$25.00} ( the {$24.00} plus interest charges ). On XX/XX/XXXX, I received the same 5 small refunds ( {$0.00}, {$2.00}, {$5.00}, {$6.00}, and {$10.00} ) totaling {$24.00}. I emailed again and was told that I would hear back in 1 more week. I have not heard back, nor have I received the {$230.00} or the refund of the interest charges I am owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-09
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/18 company opened a collection account. 
XXXX {$600.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all credit bureaus. 

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