BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hi- I am writing to express my disappointment and frustration regarding my recent hotel reservation through XXXX  XXXX. I had made a reservation for hotel ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX, US ) from XX/XX/XXXX XX/XX/XXXX with confirmation XXXX, and to my surprise upon arrival at the hotel on XX/XX/XXXX, I found out that my reservation was canceled without any prior notification from XXXX XXXXXXXX. 

I was looking forward to this trip with my family and had made all the necessary travel arrangements, based on the reservation that I had made through XXXX XXXXXXXX. The sudden cancellation of my reservation has caused a significant inconvenience to me and my family. I was on the phone with XXXX XXXXXXXX customer service for over 35 minutes and unable to get any help other than putting me on hold multiple times. I had to make alternate arrangements at the last minute while sitting in the hotel lobby that cost ( $ $ ) me more than my original reservation. 

What is more concerning is that I did not receive any communication from XXXX XXXX regarding the cancellation of my reservation. I had to find out about it when I arrived at the hotel. This is completely unacceptable and unprofessional on your part, and it has left a negative impression on me regarding XXXX XXXXXXXX Travel. 

I would appreciate it if you could investigate this matter and provide me with a reasonable explanation for the cancellation of my reservation without any prior notification. Additionally, I would appreciate it if you could provide me with suitable compensation for the inconvenience and stress that this has caused me and my family. 

I hope that you take my complaint seriously and take appropriate action to ensure that this kind of situation does not happen again in the future. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Dispute letter submitted to Experian XX/XX/2022 to remove inaccurate addresses from report. As of XXXX XX/XX/2022, some inaccurate information still being reported.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. Regardless of the multiple written requests, the public record, accounts and inaccurate information listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, XXXX, TRANSUNION ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove these items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXXr XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14
Company: MONEY SOURCE, INC., THE
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
As of XX/XX/2018 I've made the three trial payments for my mortgage modification trial. The documents that I received reflected my escrows being incorrect for my mortgage. I recently received correspondence reflecting the correct amount for my mortgage payment of which the corrected payment is lower. Per customer service with The Money Source they wanted me to sign the previous modification agreement that had the incorrect mortgage payment. The previous documents that were mailed to me XX/XX/2018 are incorrect documents with the incorrect mortgage payments. I don't want to sign  documents pertaining to my mortgage with incorrect figures that affect my mortgage payments and the mortgage deed. I'm currently paying the trial payment amount for my mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Back in 2006, I lost my card with Bank of America which incurred fraudulent charges. I paid the fees Bank of America requested and was placed on the fraud list. I have been trying to get off the Fraud list since then. I can not open any personal accounts with other banks. I need this to be resolved.

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 2023-03-27
Company: Grain Technology, 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:
I did not give access to my credit to XXXX, XXXX, And XXXX and they have access my credit without my permission they have also given away freely reports of my credit. if not corrected | will have to seek restitution Under 1681n. Civil liability for willful noncompliance ( a ) In general Any person who wilful fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 





Account number XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
MY CREDIT SCORE HAS DECREASED BY 17 POINTS AND I HAVE TRIED SEVERAL PHONE NUMBERS AND CAN NOT GET AN ANSWER AS TO WHY MY CREDIT SCORE HAS GONE DOWN. I WANT THIS ANSWERED IMMEDIATELY. THEY ARE ALSO KEEPING INVALID INFORMATION ON MY REPORT EVEN THOUGH IT WAS DISPUTED AND IS CLEARLY NOT VALID.

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 2018-08-02
Company: American Credit Resolution, Incorporated
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
American Credit Resolution/ACR has violated so many of the rules that are in place with regard to debt collection. This company has continued to call me on my cell phone - numerous times a day from different numbers ( leaving me voicemails that they are sending me demand letters to my place of employment or home ). At least 7 times each day to my phone ... ... .... They also call relatives and give them private information in hopes of getting a different phone number to reach me. They continue to call my place of employment when I have asked them several times to stop - just changing the CSR does not mean they can now call my work again. Each all they threaten demand letters and legal action - also illegal, right? MAKE THEM STOP!! My personal information should not be shared with anyone and when I ask them to stop they should stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Sir/Madam, I am writing to express my strong dissatisfaction with the permanent limitation that has been placed on my PayPal account XXXX under the email address Dear Sir/Madam, I am writing to express my strong dissatisfaction with the permanent limitation that has been placed on my PayPal account, under the email address XXXX. I believe that this limitation has been imposed by mistake, as I have not violated any PayPal policy. 

I am a long-time PayPal user and have always conducted my transactions in a professional and ethical manner. I have never engaged in any fraudulent or illegal activities, nor have I violated any of PayPal 's policies. Therefore, I am deeply troubled by the fact that my account has been permanently limited. 

I kindly request that PayPal re-investigate my case and consider restoring my account if possible. I believe that a mistake has been made and that my account should not have been permanently limited in the first place. I would greatly appreciate any efforts that PayPal can make to resolve this matter in a fair and just manner. 

In conclusion, I would like to reiterate my request for PayPal to re-investigate my case and restore my account if possible. I value my relationship with PayPal and I hope that this matter can be resolved in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

Sincerely, [ Your Name ]. I believe that this limitation has been imposed by mistake, as I have not violated any PayPal policy. 

I am a long-time PayPal user and have always conducted my transactions in a professional and ethical manner. I have never engaged in any fraudulent or illegal activities, nor have I violated any of PayPal 's policies. Therefore, I am deeply troubled by the fact that my account has been permanently limited. 

I kindly request that PayPal re-investigate my case and consider restoring my account if possible. I believe that a mistake has been made and that my account should not have been permanently limited in the first place. I would greatly appreciate any efforts that PayPal can make to resolve this matter in a fair and just manner. 

In conclusion, I would like to reiterate my request for PayPal to re-investigate my case and restore my account if possible. I value my relationship with PayPal and I hope that this matter can be resolved in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: ENOVA INTERNATIONAL, INC.
State: ND
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
NET CREDIT XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Line of Credit XX/XX/XXXX Open Open. {$6400.00} past due as of XX/XX/XXXX. 
XXXX XXXX 241 % {$7300.00} XX/XX/XXXX XX/XX/XXXX {$3000.00} {$67.00} {$6400.00} {$7300.00} Individual Comments : Account payments managed by a financial counseling program Contact Into : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I closed this account due to unavailability to work in XXXX due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They verified and confirmed that it would be closed and did not follow through on my request and continued to collect interest on an original loan amount of {$3000.00} that turned into over {$7000.00} with a 241 % interest rate. XX/XX/XXXX. XXXX XXXX This also needs to be taken off of my credit report due to the amount of time that has passed from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please see attached documents. I have been trying to get Transunion to do a real investigation since XX/XX/. Please help me get results.

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 2022-07-15
Company: Uplift, Inc
State: MT
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and UPLIFTINC XXXX Date Opened : XX/XX/2021 Balance : {$130.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I make a modest income and it 's not enough to cover my mortgage and student loans. XXXX private loan already is in charged off status. Navient continuously sent me notifications that I had options if I called them. But when i did the only option i had was to pay my bill normally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: SC
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 writing to inform you that I have recently received the results of the investigation into the inaccuracies on my credit report, conducted by your agency. Despite my previous disputes and the legal obligation under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws to ensure accurate and timely reporting, your agency has failed to acknowledge the inaccuracies present in my credit report. 

Your refusal to correct these inaccuracies has resulted in significant damage to my financial reputation, causing me substantial emotional distress and financial harm. I want to make it explicitly clear that I am not willing to tolerate these injustices any longer. 

I am left with no choice but to pursue legal action against your agency for the damages caused to my reputation. This letter serves as formal notice of my intent to sue under the provisions of the FCRA ( 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) ), and any other applicable federal laws. I believe your agencys actions are not only in violation of the FCRA but also constitute a willful disregard for my rights as a consumer. 

I demand that your agency rectify the inaccuracies on my credit report immediately and provide me with written confirmation of the corrections made. Additionally, I expect your agency to compensate me for the damages incurred due to your inaccurate reporting, including but not limited to, loss of credit opportunities, emotional distress, and legal fees associated with this matter. 

I am giving your agency a final opportunity to rectify this situation without litigation. I expect a response within 15 days from the date of this letter, confirming the correction of the inaccuracies and outlining the steps taken to prevent such errors in the future. Failure to respond within the specified timeframe will leave me with no alternative but to pursue legal action without further notice. 

Please consider this matter seriously, as the consequences of your agencys actions have had a severe impact on my life. I look forward to a swift resolution to this matter.

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 2022-07-15
Company: Experian Information Solutions Inc.
State: PA
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: VA
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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX : XXXX. XXXX XXXX XXXX Balance : {$360.00} XXXX. XXXX XXXX XXXX Balance : {$2300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$1800.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$4300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$1700.00} EQUIFAX XXXX XXXX. XXXX XXXX XXXX Balance : {$360.00} XXXX. XXXX XXXX XXXX Balance : {$2300.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$1800.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$4300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$1700.00} XXXX XXXX XXXX. XXXX XXXX XXXX Balance : {$360.00} XXXX. XXXX XXXX XXXX Balance : {$2300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$1800.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$4300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$1700.00}

Company response to consumer: Closed with explanation