BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: MO
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 credo reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 status I have the right to privacy.

15 USC 1681 section 604 A section 2 ; it also States a consumer reporting agency can not furnish an 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 purpose

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 2022-06-14
Company: EQUIFAX, INC.
State: MS
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 debt validation letter 120 days ago asking for this company to provide me with proof that I own this debt, and they have failed to respond. I then looked at my credit report and noticed that they are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if they failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 debt validation letter 120 days ago asking for this company to provide me with proof that I own this debt, and they have failed to respond. I then looked at my credit report and noticed that they are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if they failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}

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 2022-01-28
Company: DISCOVER BANK
State: NY
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: Problem with personal statement of dispute

Complaint:
I am disputing the multiple late charges that appear on my credit report. Infractions were no fault of my own. These were all consequences as a result of the coronavirus. I made every attempt to pay my debts on time, but the odds were against me. I always kept my accounts in good standing. If you view my payment history, you will discover that I was never late. As a result of the pandemic, My company where I was employed down sized. And as a result of that, my hours changed from full time to part time. This went on for almost a year. I had exhausted all of my savings just to survive. I was behind in my rent constantly. Almost lost my apartment twice. Fortunately, my landlord understood and was very lenient with me. He was struggling also with other tenants. I gave him what little I could spare, but that's all I could do. This was the worse predicament I've ever been in. This virus was affecting millions. I'm sure some of you felt the effects of it. If you didn't, you were just one of the lucky ones. I did not know what my next move would be. I literally prayed which is something I did not do a lot of before. Fortunately, after a year, I got my regular working schedule back. Now I'm just trying to put the pieces back together.I know I have a long way to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital one has me sending multiple documents to verify my identity Back and front on my license, Social security Card and now they are asking for a complete copy of my bank statement. I told them I did not feel comfortable sending all this information to them. They already verified my license and social security number but apparently thats not enough. I would also like to mention I have a car loan through capital one. I asked them to close the account that was restricted knowing it will poorly effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Statebridge Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made three requests for the PMI Insurance to be removed from my primary mortgage. Two have been in writing and one verbally. Every time I inquire about this, they claim they 'd not received my request and to send again. During our latest conversation, they 'd requested that I submit another request. Clearly, this company has no intention of following the law according to The Homeowners of Act of 1998. I am asking that the company, Statebridge, be compelled to follow the law. Statebridge Company XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
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: Account information incorrect

Complaint:
Credit reporting agency XXXX has done nothing to correct my Credit Report. I have notified them that XXXX XXXX XXXX and XXXX XXXX XXXX Have added on Fraudulent Charges after the accounts were closed by me. I want an Investigation into the practices and policies of both banks that Go out of their way to add Fraudulent Charges to credit cards that has A {$300.00} Credit Line. Both credit Cards were closed with a {$150.00} Balance. Looking forward to hearing from you at your earliest convenience. XXXX XXXX XXXX XXXX XXXX XXXX Card Number : XXXX XXXX XXXX XXXX Card Number : 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 2022-01-28
Company: Mercedes Benz Financial Services
State: IL
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 submitting this XXXX XXXX without any influence and this not a third party I Contacted company Mercedes-Benz about an auto loan showing in my name that is fraudulent. I tried calling them 23 times and I believe im blocked now I did not open this auto loan. Auto loan agency stated I needed a police report, my signature on a piece of paper five times, copy of social security card and drivers license. I dont feel comfortable sending a copy of the last three items in that list. I sent them instead my FTC report along with only a copy of my drivers license and a personal social security number to compare against on my drivers license address. Mercedes-Benz is based out of XXXX, MD according to the website and this loan was opened in XXXX, MD they informed me when I live in Illinois. These dont add up and should have been a red flag when it tried to be opened. I also had a credit freeze through XXXX and XXXX at the time this was opened and they still opened the account.this the account number ( XXXX ) that appears on my credit report balance {$42000.00} please help me PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
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: Account information incorrect

Complaint:
Credit reporting agency XXXX has done nothing to correct my Credit Report. I have notified them that XXXX XXXX XXXX and XXXX XXXX XXXX Have added on Fraudulent Charges after the accounts were closed by me. I want an Investigation into the practices and policies of both banks that Go out of their way to add Fraudulent Charges to credit cards that has A {$300.00} Credit Line. Both credit Cards were closed with a {$150.00} Balance. Looking forward to hearing from you at your earliest convenience. XXXX XXXX XXXX XXXX XXXX XXXX Card Number : XXXX XXXX XXXX XXXX Card Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX, a blip occurred in my credit rating. It dropped from above XXXX to below XXXX. An XXXX XXXX XXXX XXXX charge - something was ordered and was delivered to a XXXX  address. This was NOT mine - someone had access to my social or credit card? I am not sure... This {$930.00} was not mine... It is not mine... 
I used a " free dark web '' service to see that leaks may have happened .. that check was XXXX XXXX... that is where I found the address in XXXX XXXX Montana XXXX I live XXXX miles away in XXXX XXXX Montana XXXX. 

Item removed XX/XX/XXXX ... after I filed a dispute, filled out paperwork, made phone calls.. 
" XXXX XXXX XXXXXXXX Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. '' Current collection below - I have filed multiple disputes to try to remove this! 
" XXXX XXXX Account XXXX '' Help- I don't know what to do. 

Here is copied information from Experian. 
" Report Number XXXX Date Generated XX/XX/XXXX Before After Your information may have changed since XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$930.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$930.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$930.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX Historical info Original creditor XXXX XXXX  Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' This XXXX XXXX  charge is NOT MINE. I did NOT do this or authorize anything. Help please.

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 2017-07-21
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This is a follow up to the previous complaint:XXXX Chase delayed and dodged addressing my problem and asked for additional info. I provided within 48 hours, but they closed my case anyways without addressing the issue. Here is the new info they requested : I was asked to provide the account number and opening date of this card. I earned points on two separate occasions. Here are the card numbers : XXXX - opened XXXX XXXX - opened XX/XX/XXXX Here are the terms in the email I received stating these cards were on the way : TERMS AND CONDITIONS : Plane Travel is subject to the government-imposed XXXX XXXX Security Fee of up to {$10.00} per roundtrip. Number of points required to redeem for free flights is dependent on fare availability, destination, time, and day of travel, which are subject to change. Travel good on XXXX XXXX published, scheduled service. *Points do not expire as long as you have flight or Partner earning activity every 24 months. As you can see, points should not have expired considering I had a flight in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good morning, The problem is that something is showing on my credit report as a collection/derogatory, but it does not show me what I owe, so I called LJ Ross and asked them and answer was I owned nothing, but I need it off my credit report but credit bureau wo n't remove it ... Please advise.. Name of the company is LJ Ross, address is XXXX XXXX XXXX, XXXX MI. XXXX, # XXXX, regarding XXXX XXXX, account XXXX, date on credit report is XX/XX/2013.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have been discriminated against under Truth In Lending i have extended my credit to Bank Of America as the original creditor and consumer and hopes to receive a credit limit increase to 15,000 and was given a Adverse Action letter in response denying me credit. This is in fact a federal violation under 15 U.S. Code 1681m - Requirements on users of consumer reports adverse action -- because their is no denial of credit because i AM the original creditor i can not be denied what i extend to be extended back to me. They are in violation under 15 USC 1681n and 15 USC 1681o liable for {$1000.00} in damages no higher per violation. Im willing to settle for the credit limit i originaly extended for. Thank 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 2018-12-01
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Paramount Recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hi, I disputed XXXX XXXX XXXX XXXX  XXXX XXXX XXXX on all three credit reports. XXXX XXXX XXXX XXXX XXXX said they had verified my account properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not verify this account properly and they are still reporting it on my credit report. 

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I have attached the type statement up sent me.

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 2017-07-21
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After paying the debt, I was made aware that they would delete off of my credit report but never did. When I I contacted them about it, they acted as if they did not know who I was and told me that they will not take it off of my credit report. I have tried different ways of contact, going to the bureaus and contacting them personally and still no deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, 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:
I've been writing Equifax for months in an effort to resolve inaccurate information they are reporting on my credit file. It always comes back as " accurate '' or " verified ''. They didn't investigate anything and when asked for the method of verification, they ignored me. My next move is to go to small claims court since Equifax will not follow the law as it pertains to FCRA. As a federally protected consumer, I know my rights and that I can sue them and win {$1000.00} per violation. I send all letters to them through certified mail with return a receipt so I know they received them and have well documented evidence that they have willfully ignored the law and in doing so have violated my rights as a consumer, which has caused me to be denied credit and pay higher interest on my existing loans. Equifax 's business model appears to profit at the expense of others by furnishing inaccurate or unverified information to banks who request consumer credit reports when deciding loan interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The terms of my mortgage was changed by XXXX XXXX and then my loan was sold to Rushmore Loan Servicing ( XXXX ). They changed my loan from a 30 yr mortgage to a 35 yr loan. The interest rate is 9.63 %. I am being ripped off and taken advantage by both companies. 

XXXX XXXX XXXX ( XXXX ) XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On approximately XX/XX/2020 I opened a secured VISA credit card with Atlantic Union Bank after sending the Bank {$300.00}. 

I believe there were false charges on my account because the bill increased. The Bank told me that my account was closed but I do not recall receiving a refund check from the collaterialized savings account. I would like for Atlantic Union Bank to mail me a copy of any refund check, if a refund check was mailed to me. Because of the lapse in time I am doubtful that any false charge can be corrected. But I am hopeful that any remaining funds in the secured savings account could be mailed to me. If it is the Bank 's contention that the savings account was applied to outstanding VISA card charges, I would request that the Bank mail me documentation. Account # XXXX ( VISA ). 
Respectfully, 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 2022-01-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I had taken out a payday loan with ace cash express and they put a hold on my social security number and I am wondering if they are able to do that and I got a email from them and the loan happened over 7 years ago and other guy that called my brother home phone number was so rude and didn't even leave a number for me to contact him and I don't what else to do. I can be reached by email at XXXX. Thank you for your time and have a good day

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX Account below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right ton 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 Creditor Name XXXX XXXX XXXX Account No. 
XXXX Creditor Name XXXX XXXX XXXX, XXXX Account No. 
XXXX Creditor Name XXXX XXXX XXXX Account No. 
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