BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-10
Company: WESTERN UNION COMPANY, THE
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019 a payment was made from XXXX XXXX XXXX XXXX, for the amount of {$590.00} sent to Western Union ( XXXX XXXX   uses Western Union as a third party for online payments ). The amount was never applied to my XXXX XXXX Account # XXXX. I called Western Union and explained that on my phone I could not get a snap shot to get the confirmation number they explained to me that we cant continue without it. I had to make a double payment on XX/XX/2019 from my bank XXXX XXXX ( bill pay ), that payment was applied to my XXXX XXXX account. Made contact with XXXX and including the attorney company that sent them a letter, to no avail the responsible party is Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: World Acceptance Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I want to change my due date without renewing my loan and starting over. This company refuses to change the due date and they are charging me a late fee every month. Their refusal to change the due date makes me think it is to force someone to renew and or charge late fees illegally to the customer. I have asked every month for the past 4-6 months and they blatantly say they can not change it unless I renew which defeats the purpose of trying to pay a loan off. Every month they harrass me about paying I have asked and begged them to change the due date they constantly refuse. They send me massive amounts of mail about payment but will not change the due date. I also contact corporate office to complain about their local branch they never contacted me back. Please help me in this matter. I am so frustrated with this company I just want to pay my bill each month on time and at the end of the month. So I can never have to deal with them again. They constantly harass me every month asking me when I will pay I advised them each time to please change the due date. They refuse to change the due date unless i renew I refuse to continue to do business with them. I just want to pay each to get to my pay off. PLEASE HELP ME GET THEM TO STOP HARRASSING ME AND CHANGE MY DUE DATE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: ENCORE CAPITAL GROUP 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:
I submitted a credit report dispute to verify a collection account on my credit profile with XXXX on XX/XX/2019. The original credit was XXXX XXXX XXXX and the collection agency is Midland Funding LLC. XXXX allegedly contacted Midland Funding LLC and was able to verify the information by XX/XX/2019. However Midland Funding LLC or XXXX  has re aged the debt on this collection account to XX/XX/2019 making it appear as a new collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: Ocwen Financial Corporation
State: DC
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:
Ocwen was previously my mortgage company and has reported multiple late payments on my credit report. In XX/XX/2019, PHH Mortgage became my new servicer. I have appealed to Ocwen to correct this incorrect information, which is interfering with my ability to get a new mortgage, but they said they can not because they no longer service my mortgage. PHH refuses to correct this information because they said they were not my servicer during this period. I need Ocwen to immediately correct this incorrect mortgage information with the three credit reporting agencies immediately.

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 2023-01-11
Company: NEW YORK COMMUNITY BANCORP INC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX was sent over by XXXX That will cover XX/XX/XXXX to XX/XX/2023 I paid a different of XXXX to cover XX/XX/2023 payment. Flagstar bank havent applied the XXXX to my XX/XX/XXXX payment they keep giving me the run around I need my XX/XX/XXXX payment posted My loan number is 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 2021-11-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I did a mobile deposit for {$5000.00} cahier check on or about XXXX from my father. From that time TD Bank put my account on hold. I wasn't able to get any of my money from that account. I went several time to the bank and all they was saying the the check wasn't verify and something about fraud Then the manger stated that the check was verity. I still didn't hear anything on this situation. It's been about 2 months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have always made timely payments and never missed a payment. This mistake is causing me significant stress and anxiety, and it is affecting my ability to sleep properly. I kindly request that you update my account as soon as possible to reflect my accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: SYNCHRONY FINANCIAL
State: VA
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:
I went past due on my SYNCB/WalMart account back in 2012. I made the payment in full and before paying I asked them to remove this negative tradeline. They said they would remove if I made a payment. This account was never removed ( bait and switch for full payment ).

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 2018-10-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please remove the accounts asap XXXX   XXXX XXXX XXXX ( Original Creditor : 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 2023-01-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have sent several correspondence to this companies with no response its past the 30 day mark and yet no replies, pursuant to the privacy act of 1974, my federally protected rights are being violated by the credit Reporting agencies. According to 15 USC 1681b I demand all this inaccuracies be deleted off my file. see the attached Documents for all other information regarding this issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX I filed a dispute with Experian in regards to a debt with The loan servicer, XXXX. In my dispute I argued I've never taken a loan out with XXXX, I don't know them and never signed a contract with them for a student loan. 

To this day, the debt still remains on my credit report as deferred because XXXX supposedly reported certified information to Experian as accurate. Therefore the information was not changed. I'm not sure what certified information they could have used to show the information reported as accurate however I have yet to see any such information. It is clearly false information since I have never heard of, seen or signed any legal documents with XXXX. 

The loan amount balances : 1. {$54000.00} 2. {$4000.00} 3. {$2200.00} 4. {$4400.00} 5. . XXXX XXXX. {$670.00} I have no idea why these loans exist on my credit report, however I would like to resolve this issue as quickly as possible. This is a case of stolen identity.

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 2020-10-18
Company: Experian Information Solutions Inc.
State: WI
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 wondering why on more than one occasion I have applied for a loan and have received multiple hard hits on my reports when they are for the same loan and suppose to count as one hit and are counted as up to as many as 7 hard hits.I don't understand how it is ok for them to put people 's credit in the trash like that.The end of last year for a refinance is one occasion and even had the same bank count as I believe 4 hits on each report for a loan.Most recently I bought a truck last month and took 7 hits on one report alone.

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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2018-04-09
Company: Experian Information Solutions 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/XXXX, I applied for a credit card transfer with XXXX XXXX XXXX and was denied with incorrect information! I contacted XXXX XXXX XXXX about this matter and the representative told me that I had to file a dispute! But I contacted Experian to ask them to file a dispute. They told me that the Bank knows that they have to take care of this matter themselves and that their Experian representative will be contacting them. As a consumer I have a right to protect my credit report especially when there are inconsistencies on it! Also, I contacted XXXX XXXX XXXX once again about the issue today XX/XX/XXXX and was told that incorrect information would not affect the decision! How can a consumer protect their credit report? Or the Banks are not held accountable for reporting incorrect information? This impacts my credit report greatly! Does the consumer not have any rights! It seems like the banks and big businesses have all the control and rights over the small consumers! They have the control over dedicating montenary value! In other words, who gets what, how much and preventing others from acquiring personal property etc. and affecting their life styles! Not fair!

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 2021-03-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am not responsible for the fraudulent disputed balance and or interest charges associated with this account from Branching Banking and Trust ( BB & T ) I am requesting for this account to removed from XXXX  XXXX. This account has been written off and disputed on many occasions. I am not responsible for this balance in the amount of {$630.00} for this account # ending in 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 2023-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit Reporting act Self Visa Credit Card Ending in : XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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 my 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 2018-10-25
Company: EQUIFAX, INC.
State: HI
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:
I have disputed the late payments on this XXXX XXXX XXXX  account for months. XXXX  and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: AMERICAN EXPRESS COMPANY
State: NY
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 have reached out several times to American Express and they said that they would correct any error on my report caused by there company. Till this day they have not corrected any information on my credit report. I will be filing a lawsuit in my county for them reporting false information on my report. This has caused me financial difficulty and has cost me time and money to dispute this error. Please remove this inquiry within 10 days of this notice. i also have enclosed one of the three letters i received saying that they would remove this inquiry. American Express should contact XXXX and XXXX  to remove inquiry. 


Amex Inquiry from XX/XX/2018 2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this debt already with proof to XXXX XXXX at The South Carolina Consumer affairs at South Carolina Consumer Affairs, Consumer Advocacy, Complaint No. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. I want this company to stop harassing me

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, 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:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA XXXX XXXX XXXX everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX - {$10000.00} XXXX XXXX XXXX - {$16000.00} XXXX XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX - {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I currently and have had for the last ten years a Capital One 360 checking account which advertises a 0.50 % APY on all balances. The actual interest rate is 0.005 %. I have contacted the bank multiple times regarding this and have been given numerous excuses and invalid explanations. 
The bank advertises a much higher rate than is being paid in their T.V. ads, on their Billboards, direct mail flyers and website. This is very deceitful and misleading towards consumers and should be corrected immediately. All checking and savings accounts included a legally binding contract between the bank and the consumer which can be enforced in any court by any judge and this is a breach of any such contract. 
Consumers should be aware of this because they can invest their money in other places including other banks that will pay the promised rate. The bank should be more honest, forthcoming and transparent with its customers and consumers ( not just the criminals and their affiliates ) and this behavior should not be tolerated because it opens the door to criminal activity and bank fraud both internally from the bank and externally from its affiliates. 
This complaint is supplemental to numerous other complaints which I have filed against Capital One and other banks as a violation of the Sherman Act, Antitrust laws, and consumer privacy and protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 name is XXXX XXXX XXXX social security number # XXXX DOB XXXX/XXXX/XXXX, I have talk with all three credit company 's about Identity theft of my account this was over 8 years ago and there are things still appearing on my account like hospital bills, student loans, cable service, bills, auto loans, mortgages etc. I have never own a home and I do not even have a high school diploma to even go to college let alone all these hospital bills and cars and cables and phone bills. If that person does not live in the state of Mississippi its not me and I will have a lawyer to step in if they do not resolve all this in 45 days I have been patient with them and their still letting some people still my identity I just had some one arrest in the state of XXXX  for stilling my driver license thanks to the XXXX XXXX XXXX for bring this guy to justice. And there are hundreds more still stealing our lives please help me. Thanks 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