BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: MD
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 submitted a letter to the XXXX XXXX XXXX XXXXXX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again.

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 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 sec 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 an account without my written instrution under 15uscs 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. capital one told me that this information is accurate and will not be deleted which is a direct violation of my rights under the fair credit reporting act. The dates are XXXX XXXX and XXXX XXXX. No action has been taken by capital one which is a direct violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Experian, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The XXXX XXXX XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022

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 2022-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Personal information incorrect

Complaint:
The address that is reported is incorrect from the one that should be .. ( XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX ) is what it should say. Not ( XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 XXXX XXXX # XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$690.00} XXXX  XXXX Balance : {$9200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} 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 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 2022-12-09
Company: EQUIFAX, INC.
State: GA
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 this creditor has violated my rights under 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 an account without my written instructions. Under 15 USCS 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 2022-09-27
Company: EQUIFAX, INC.
State: CA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: NV
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 this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.

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 2022-08-01
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be Block. Per FCRA segment 605 CREDIT BUREAUS are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter I sent to Bureaus on XXXX XXXX and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider responsible for this ISSUE. 
The items listed below need to remove from my file : XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance {$25000.00} ; XXXX XXXX XXXXXXXX Inquired on XX/XX/2020 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
Consumer complaint received 2022-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I closed a credit card with Bank of America and it has a credit balance of {$25.00}. I also have a checking account with Bank of America. I called on XX/XX/XXXX to request the credit card credit balance be transferred into my checking account with Bank of America. They have not transferred the funds as of XX/XX/2022. I called to asked why the funds have not been transferred and the associate said that they were researching the account. Both accounts are held at Bank of America so I don't understand what they could be researching and they would not tell 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 monetary relief
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: Jon Barry and Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Letters received XXXX, XXXX and XX/XX/2022 On XX/XX/2022, I requested debt validation from the company. It was ignored. 
On XX/XX/XXXX, I requested validation of debt again. It was ignored. 

In XXXX, the debt was reported to the credit bureaus I have still not received the requested information from the debtor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had automatic payments to Penny Mac setup through my bank. In 2022 my property taxes increased and my auto payments were short. I was not getting proper notification in the mail and phone calls only left messages to call back about my account. About six months of payments missed and only about three actual email notifications. Most mail notifications from Penny Mac are to refinance, so I never called back. Eventually I did speak to someone who informed me of my past due amount. Every month was added on not only the extra amount for the shortfall, but also of the monthly late fees. I immediately paid the back amount to get my account up to current status. That person also informed me that the best way to stop this from happening is to setup auto draft through Penny Mac directly. 

I setup auto draft at that time in XXXX of XXXX. Once again, in XXXX, the auto draft did not go through and I had a late payment. I then made again the steps to correct my auto draft from Penny Mac 's system. The system said I had a Scheduled Payment on XX/XX/2022 and the Status says " Scheduled. '' As of XX/XX/2022, the payment still did not go through. When I called, I was told my account was a " Suspended '' status and I needed to bring my account up to current for the auto payments to work. I brought my account up to current, and the XX/XX/2022 Scheduled Payment is still showing and yet in the One-Time Pay section, it shows I do not owe anything until XX/XX/2022. When I called an inquired about why my payment did not go through I was told two different things ... the first was that I can not setup auto payment with an amount due. And from another agent, I was told there was an issue with my auto draft and that money was not there ( an obvious lie ). 

I am filing this complaint for three reasons - failure for proper notification of missed or late payments. And an auto payment system that fails to work putting me not paying my mortgage on time leading me into a false sense of security with a Pending Payment Status of " Scheduled '' when it did not go through, nor ANY notification that I can not setup auto payment with an amount due. Why is a system designed not to have a system for auto payment with amount due? Almost always will there be an amount due! And lastly, for lying to me about my account and my account status for failure of their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: CA
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 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 with out my written instructions 15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: LendingPoint Holdings LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT!! YOUR COMPANY HAS COMMITTED CRIMINAL INDIVIDUAL ACTIONS WILLINGLY AND KNOWINGLY. Yes, I entered a consumer transaction with this Company. However, when my hardship occurred, I have learned that fraud has been committed against me. In the false and deceptive form that I was aggrieved in, I was not offered Insurance with my Finance Charge in clear violation on 15 USC 1605a ( c ). Your company is in violation of breaking a number of consumer protection laws, including but not limited to : 15 USC 1635 - Right of Recession ( this was not included in my contract ) Pursuant to 15 USC 6802b ( 1 ), A financial institution may not disclose non public personal information to a non affiliated third party ( which are the bureaus, they are non affiliated third parties ) unless -- Pursuant to 15 USC 6802b ( 1 ) a, b, c such financial institution clearly and conspicuously discloses to the consumer, in writing in electronic form or other form permitted by the regulations described under section 6804 of this title, that such information not be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to DIRECT SUCH INFORMATION ; NOT BE DISCLOSED to such third party ; and ( C ) the consumer is given an explanation of how the consumer can EXERCISE THAT NONDISCLOSURE OPTION. Your company never disclosed to me this information or gave me my explanation of how I can exercise my nondisclosure option which is my right by law to not have this reported. Any transaction involving a finance charge is the sum of all charges pursuant to 15 USC 1605a and federal law states that insurance is supposed to be included in the finance charge, 15 USC 1605c and my finance charge didn't include insurance or give me the right to include it. Making this a fraudulent contract. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest. Making the RETAIL INSTALLMENT CONTRACT ACCOUNT between BUYER XXXX XXXX and XXXX your company is in so many violations of the TRUTH IN LENDING ACT as well as CONSUMER FINANCIAL BUREAU , which means I XXXX XXXX XXXX XXXX to rescinding the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Army and Air Force Exchange Service
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened a Military Star Card on XX/XX/XXXX, soon on XX/XX/XXXX I became divorced no job and no income so I was trying to make payments the best I could but I defaulted in XXXX, then by XX/XX/XXXX I was charged off/collection the amount of {$5900.00}. This amount was what was charged off. Now on XX/XX/XXXX the balance has quadrupled to a whopping {$8900.00}. Can someone explain to me how ANY company that charges off a balance intends to almost double the amount on a CLOSED/CHARGED off account? I have other companies I had setbacks with but they never added any additional fees nor balances on a charged off account. How is this even legal? How do they think that someone who owes {$5900.00} on a closed and charged off account could bare to even pay interests and fees on top of a balance already owed and charged off?

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 2022-12-09
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
An unauthorized charge for XXXX XXXX XXXX was add to my monthly bill without my knowledge or request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation