BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and  fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. There are also some unknown inquiries that I'd like to have removed as well : XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2023-03-13
Company: Prosper Marketplace, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I contacted Prosper to inform them of their violations against me as a consumer and was told they had the right to deny me for a line of credit.

Prosper is in violation of U.S. Code $ 1681m - requirements on users consumer reports ( a ) DUTIES OF USERS TAKING ADVERSE ACTIONS ON BASIS OF INFORMATION CONTAINED IN CONSUMER REPORTS If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( A ) Duties, generally ( ii ) does not include- ( I ) information solely as to transactions or experiences between the consumer and the person furnishing the information ; or ( II ) information in a consumer report. 

Late payments are considered transactions which is a violation. 

There was also unauthorized use of my credit card by this company.

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 2019-08-12
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
North American Recovery is attempting to collect on a debt I don't owe. I've already paid this debt off and it should not be reflecting on my credit file. I am requesting that this debt be removed off of my credit file as it is not accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: MIDFIRST BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a XXXX XXXX  spend checking account on XX/XX/2021 under a {$250.00} promotion which stated that {$250.00} would be credited to the spend checking account if certain requirements were met. XXXX XXXX  is a division of MidFirst Bank. 

The requirements entailed that two direct deposits of {$1000.00} or more were made to XXXX spend checking account within 90 days of the account opening. If the requirements were met, then the {$250.00} promotional bonus amount is to be issued within 90 days of meetings the requirements. 

I successfully had two employer direct deposits of {$1000.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX to my XXXX spend account- thereby satisfying the requirements to receive the {$250.00} promotional bonus amount. 

Therefore, the latest date I should have been issued the {$250.00} promotional bonus amount was XX/XX/2021, as that is 90 days from the date of the second direct deposit I had ( XX/XX/XXXX ) which would be considered the date that I satisfied the requirements of this offer. 

I still have not received the {$250.00} promotional bonus to my XXXX checking account as of today 's date, XX/XX/XXXX. 

I called XXXX XXXX  on XX/XX/XXXX and spoke to a representative, XXXX XXXX, who told me that she did not see the two direct deposits in my account activity. I told her that I clearly see the transactions within my account history and XXXX asked me to email her screenshots of the two eligible direct deposits to her email address at : XXXX. I did this on the same day, XX/XX/XXXX. Since then, I have received XXXX response or acknowledgement from XXXX. I've sent XXXX two follow up emails on XX/XX/XXXX and XX/XX/XXXX to ask if she received my screenshots and if she can help move this matter forward and confirm that my account clearly had the two required direct deposits of {$1000.00} or more which satisfied this promotion. 

I'm now at a loss due to the lack of assistance or acknowledge from XXXX Bank. It makes no sense to me how the bank can tell me that they do not even see a record of the two direct deposits within my checking account. It is evidently there in my transaction history when I login and view my account from my end. 

XXXX XXXX  has not provided me with the {$250.00} promotional bonus amount that I signed up for when opening my checking account and this is now considered late and the {$250.00} should be issued to me as I successfully completed all of the offer requirements within the timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Loqbox US Inc
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a victim of the XXXX XXXX XXXX I filed a claim it was approved but nothing has been done no monitoring no reimbursement for money I spent to try and fix the damage caused to me. 

This account was a savings account to help build my credit. On XXXX XXXX XXXX at XXXX XXXX XXXX XXXX I requested via email that LOQBOX close the account, ( see attached email ), and as you can see from the attachment in XX/XX/ it was still open, so I blocked them from accessing my checking account causing the issues as to why I'm filing this complaint. LOQBOX has reported to my credit file that I had been late totaling ninety ( 90 days ) but I was never 30-day late. this led me to the conclusion that their actions were intentional and were meant to cause harm to me and my credit which they did, despite my numerous challenges to XXXX they refused to correct and/or remove the inaccurate information from my file, claiming it was verified and refusing to correct this issue, this has remained on my credit for two years causing harm to me and preventing me from receiving higher credit limits and credit line increase. see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In regards to phony collection practices by LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX ( XXXX ) XXXX This information was not provided by LVNV Funding LLC. I had to look this up on the internet. Not once did they send written notice of the debt. By avoiding this step they were able to get a summons which I never received and writ of garnishment. All this and I don't even know what this debt is about. I have no old debt. If so it would be zombie debt and past its statute of limitation. They violated the Fair Debt Collection Practices Act. They are using a proxy " legal '' firm called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. From whom I have only received two documents in the mail and this only after I contacted them after finding out about the writ of garnishment from my bank. I informed them only that I have no debt. That all debt had been paid in XX/XX/2015which for me was a terrible year with the passing of my mother and having to pay for her funeral out of pocket. LVNV Funding LLC is a company that has many identities and they use these identities to get individuals to pay for the same debt over and over again. They are fraudulent and anyone associated with them is suspect to me. They are being investigated for violating collection practices acts. Although LVNV Funding LLC initiated the procedure I have yet to receive anything in writing from this dummy corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I Sent 4 requests for a signed copy of contract along with a request for accounting based on XXXX XXXX accounting practices. 
I have received neither. There is no debt and Capital One failed to prove a debt exists. I have an unrebutted affidavit of XXXX balance. 
My credit has been affected and they keep ignoring me and have filed a lawsuit. I ask for Capital One to comply with the Law and take this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As of recently has contracted several times via mail, has not validated the debt. I sent several letters and is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX reported to my credit report my account is charged as a charge off meaning they receive a XXXX from the IRS, meaning they have a tax credit. They can not collect from me and the irs so I will like them to update balance to 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 2020-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Due to divorce and loss of employment I have been struggling to maintain current payments. Recently I have fallen two payments behind, every time I try to call Capital one to arrange a payment plan or some type of payment, they transfer my call to a different department where I have waited on hold up to 45 minutes without a response or being able to deal with a live representative. They also sent me an email detailing possible eligibility for options but when I call the number listed on the email, the same thing happens. Im transferred and left on hold without ETA or response from a live representative : I am unable to work anything out to resolve past due amounts if I am unable to reach a live person. I dont k ow what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXXXXXX 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 2019-01-22
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was on a repayment forbearance program. I am on government assistance ; which is what qualified me for the program. XX/XX/2017 I recieved communication that I needed to resubmit my documentation from XXXX to continue my forbearance which I did. XX/XX/2017 contacted XXXX XXXX to ask about a notice I received that they no longer service my loan that it had been sent to collections. I should not have been in default! For the last year or more I was working with a creditor XXXX making {$5.00} payments that I couldn't afford! Point is I should never have been taken off of the forbearance program! Now I'm in a tax offset which will take my hard earned money!! There is nothing stopping XXXX from forcing people into default that dont belong!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: DISCOVER BANK
State: CA
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:
On XX/XX/2019 I paid for a service that I never received. It was for an event, and two separate charges were made. {$4900.00} and {$9900.00}. The seller reached out to me and told me they were unable to provide the service and will refund me. When that did not happen, I disputed the charge through my Discover credit card. During their investigation, they reached out to XXXX, who was the merchant account for the seller, and requested information. XXXX send them a receipt that verified the charge was authorized. As I explained to Discover that I have never denied the charge was authorised, my complaint was that I never received the service I paid for. They requested additional information from me, but I could not reach the seller. I explained everything over the phone and they continued the investigation. Based only on the receipt they received from XXXX, they closed the case against me, in favor of the seller. I contacted them right away, within one or two days and asked them, what kind of documents do they need to reopen the dispute. I was told, they needed a written confirmation from the seller, that they have not been able to provide the service and that they have the intention to refund my Discover account. 
After I provided exactly what they asked for, I was told the billing department can not issue money, based on an internal review, and the case can not be reopened. 
My take from this is that, during the initial investigation, they did not do their due diligence and relied only on a receipt which only proves I authorised the charge. Only after the initial dispute with their arbitration was closed, they told me what documents they need from me as a proof and once I gave it to them, They told me there is nothing they could do anyway.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-15
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
My wife and I did a deed in lieu of foreclosure back XX/XX/XXXX. The account was closed XX/XX/XXXX and our credit reports reflects that as well. But as we have recently applied for a mortgage, we 've noticed that the old mortgage company XXXX Nationstar Mortgage XXXX is now reporting on our credit file that the account has late payments in XX/XX/XXXX ... even though the account was closed XX/XX/XXXX. I have all the documents supporting the successful close of the deed in lieu with a XXXX balance. Myself, my current mortgage rep, and the credit bureau attempted several times to call Nationstar Mtg to resolve this issue but we were unsuccessful in our attempts, as they blew us off each time. What can I do? This is holding us up terribly from buying another home ... after we 've rebuilt our credit. We 've put down earnest money as well as had a home inspection done. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I noticed that my credit score been drop by a company call capital one I didnt consent nor authorize this in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-10-26
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX & XX/XX/2018 FOR 30 DAYS LATE???

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: ZWICKER & ASSOCIATES
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
had a prior complaint ( Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX Product : Debt collection Issue : Attempts to collect debt not owed ). I did not receive a copy of the original settlement letter from Zwicker and Associates stating the amount and terms of the agreement. I need that from XXXX or Zwicker and Associates. They stated an amount but they did not send documents or proof of agreement.

Company response to consumer: Closed with explanation