BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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 recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payments on this account. These are definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts are listed below. 
XXXX XXXX Balance Owed : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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 reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America charged me a {$35.00} fee on a POS XXXX debit card purchase made with a checkcard. The transaction for {$20.00} was made on XX/XX/XXXX with funds in the account to cover. The next day a check cleared my account and shifted the balance to negative, which I was charged a justified {$35.00} overdraft fee. 

However they then went back on XX/XX/XXXX in retrospective and charged me another {$35.00} afterwards stating that it was in reference to the XXXX charge of {$20.00}. It is illegal to go back and charge an overdraft fee on a debit card transaction, when funds are available at the date and time of purchase. 

I called the bank back and somehow this one time purchase was listed in their systems as recurring, I told them it was not, it was one-time upload and it was incorrectly labeled in their system. I conferenced XXXX rep in to confirm it was not a recurring fee and it was sent over as a 1 time purchase. The bank changed the coding on their end to recurring. They said it was because the merchant put a hold of {$20.00} on the funds on XX/XX/XXXX which then went through on XX/XX/XXXX. Which is ridiculous all debit cards purchases process for a day or two before posting. At the date and time of purchase, if there are funds in the account, the bank can not go back in and retro charge after for a POS debit card purchase. This is exactly what they did 2 days later. 

This is predatory and their were unwilling to help me even after I spoke to 2 representatives.

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 monetary relief
Consumer complaint received 2020-04-22
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I given this company my police report on more than one occasion, they actually took the debt off my credit last year, however within the last 30 days they have hit my credit 4 times. The first fax I sent to them was more than 30 days ago and then I faxed the information to them again on XX/XX/2020. I want them to get it removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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:
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 items 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 items 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
on XX/XX/XXXX  XXXX  hit our home and did alot of damage as well as  5 we eks no power and out of work because of same for months because my work was out of home,  Ocwen loan service was l ess than helpful and because of the   XXXX   went into hospital XX/XX/XXXX  and by this time I  was three m onths behind in mortgage wit h Ocwen and tried a loan modification twice and was told lost paper work as well as on and off calls back and forth with no help from lender service Company, Ocwen, at t his time it was XX/XX/XXXX  and I recieved a letter from  Ocwen that they are going to foreclose. This was when we were   working on the second Mortgage Modification with them, I than called  XXXX   XXXX   Office   Esq  in  XXXX , NJ  XXXX  and he told me to file a chapter  XXXX  bankruptcy as well as than after that we would file a second Bankruptcy ( CHAP  XXXX  ) including a now Third modification submitted by way of the courts, The  XXXX  was filed on  XXXX  and approved and the chapter  XXXX  was filed on XX/XX/XXXX  and once again the   XXXX   put me in the hospital, Than by way of the courts i filed but yet again a forth loan Modification with   XXXX    office billi ng me another {$2500.00} for same and Ocwen never answered the complaint, it was court ordered.THRU THE CHAPTER   XXXX .Than  after that i was hit by a   XXXX   XXXX   and it put me in  XXXX  IN   TH  E HOSPITAL  and I had to let the Chapter  XXXX  discharge because had no work, could not work and ended up on  XXXX . Now I am in   Superior court,   XXXX   XXXX   XXXX   N.J. fighting   Ocwen ag ain to try to save my home with but yet another Mortgage Modification and now on permanent  XXXX  as well as a  XXXX  daughter who lives with me, the  XXXX  has been unbearable to say the least. Thank you for any help your  Bureau may off er, The loan i was told has been billing me over what was in writting and over charging me on servic ing etc, Ocwen are a bunch o f crooks sorry to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened. I've sent dispute letters in the past and have been having a hard time getting everything removed.

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 2017-06-13
Company: TekCollect Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My XXXX keeps trying to collect an additional {$26.00} for a " mystery balance '' after double billing me multiple times. Their accountant, nor the doctor himself will return my phone calls. They have placed a negative mark on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on  XXXX   XXXX  a transfer of  XXXX  $ was sent to my venmo account from user  XXXX . I was then messages from the user that the transaction was a mistake and that i need to send back the  XXXX  that was sent to me. I reached out to a rep and asked him about the  XXXX  and if it was actually getting transferred? the rep then said that  a specialist will reach out to me regarding the situation. A few days later i received an email stating that my venmo account is being deactivated permanently. I asked if there is is documents or anything i can do to rea ctivate my account and deal with the situation i was put in and the rep has never responded to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
So my credit balance shown on my credit report is, and always has been {$1700.00}. But when I requested info to pay, I am told the balance is over {$2300.00}. Where is this extra {$500.00} for? 
Found out the extra amount is for fees, etc. Something that they just add without telling you til you're ready to settle. Apparantly if I return the product ( which I dont have, or access to ) is returned it may be reduced by {$260.00}. So just spoke with XXXX, and he wants me to change/delete this review. Now he was rude, and demanding. And is now unwilling to settle for anything less than the $ XXXX So, sure I will edit it. You're name is added, and more info for you. Too bad I can't give a big ZERO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-06-13
Company: Premier Portfolio Group
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from a  XXXX   XXXX   XXXX   XXXX  from Premier Portfolio Group regarding some unknown debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Focus Holding Company
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about  XXXX   XXXX ,  2017 ,  Focus Receivables Management r eported to   XXXX   a false claim that I owed {$500.00} to an unnamed entity. They claimed a fictitious account number of  XXXX . I have no outstanding debt ; certainly none in arrears and no account ending in  XXXX .     I have not received any communication from Focus or any other entity regarding a debt. I believe they are operating in violation of Californ ia Civil Code section 1788 et. seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 items 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 items 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 are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 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 2017-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 hired  XXXX   XXXX   XXXX  back in  XXXX   XXXX  and it did not get resolved ; Once I let  XXXX   XXXX   XXXX  go because it did not get resolved I took over  resolving  my credit issues and reading up on FCRA and Privacy Laws. On  XXXX   XXXX ,  XXXX , I disputed my bankruptcy that is being reported on my TransUnio n Credit File a nd it came back verified immediately, but they did not supply any information that I requested in the letter. I resubmitted another letter on  XXXX   XXXX ,  XXXX , this time I submitted a letter from th e U.S. Bank ruptcy court along with my original letter plus an additional letter stating they do not report to credit bureaus. I sent a certified letter which they received on  XXXX   XXXX ,  XXXX  stating the FCRA regulation for Sectio  n 623 ( a ) ( 5 ) -- stated below.
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
( 1 ) The information was n  ot verified because of the letter I received from the bankruptcy court on  XXXX   XXXX .  ( 2 )  I submitted a Security Freeze on my  XXXX  Consumer File Case No.  XXXX  that was confirmed on  XXXX   XXXX ,  XXXX  by mail. I have not lifted that Security Freeze so therefore it was not verified.     When I spoke with the representative at TransUnion they informed me everything was verified and accurate on bot h Bankrupties Chapter   XXXX  that was dismissed and Chapter  XXXX  that was   discharged and also a Lien. I do n't understand how they were verified when noone at the courts verified and there is a Security Freeze in place.
I have attached all documentation showing such information.

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 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion is not " user friendly '' to work with online, in that they appear to be the credit bureau that requires payment to get credit reports, file disputes etc. 

Employers listed are Wrong. These needs to be Deleted.

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 2017-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
After multiple disputes and attempts to resolve with the creditor  XXXX  and  XXXX , the company has agreed to delete the inaccurate information from my file. All credit bureaus have been compliant, except for TransUnion. The request to withdraw the invalid account was made in  XXXX  and has yet to be fulfilled by TransUnion. I have attached a letter directly from the creditor proving their intent to delete the account and a copy of my credit report from Transunion showing their willful non-compliance.

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 2022-09-13
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian is showing an account in collections that I have never heard of - XXXX XXXX XXXX. It says that I opened an account with a company called SC on XX/XX/2021. I have no record of that company or account. I have received no correspondence from XXXX XXXX XXXX or XXXX via email or mail about this account. 

When I tried to call the number on the credit report to talk to XXXX XXXX XXXX, the automated answering system stated that due to a high volume of calls, they are not able to answer the phone. 

Hiding behind a credit report instead of direct communication with me is not only an unfair business practice, but is an abusive way to do business.

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 2017-06-13
Company: Nelnet, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In late  XXXX  of  XXXX  I attempted to obtain a VA loan and was denied because I had a federal student loan in default. After I received all of the denial paperwork I contact ed Nelnet multi ple times informing of the incorrect reporting and had sent my credit report and an e-mail requesting for this to be looked into and corrected because this had caused me to be unable to buy a house. This company began incorrectly and negatively reporting me in  XXXX  when I was in the military and I did not sign up for any student loans. They were only reporting me to  XXXX .     The last I spoke with an individual from the company, he was looking at my credit report from the e-mail I sent and was discussing the situation and how it was to be resolved while I was on the phone with him. Now  two months later I went a looked at my credit report to verify that this situation had been resolved and was astonished that it was not and they had now begun negatively reporting me to all three credit bureaus. When I called this morning, I spoke to a manager there who stated they had notes of my last conversation, however, they were missing the documents in which I told him that could not be possible since I last spoke with someone they had them. I have resent them and have r equested for them to call back with the verification and receipt that they were received yet again.

Company response to consumer: Closed with non-monetary relief