BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I sent Capital One a Cease and Desist letter, along with an Affidavit of Truth, and an invoice. The company received the letter on XX/XX/2021 and they sent me 2 different letters dated XX/XX/2021. The envelope was in violation of 15 USC 1692 ( e ) ( 1 ). The letter states that Capital One N.A. is the creditor which is in violation pursuant to 15 USC 1692 ( e ). I am the consumer, natural person, and the original creditor not Capital One. They state that they have suspended my charging privileges and restricted my account. Which is in violation of 15 USC 1691 ( d ) ( 6 ). They go on to threaten me violating me pursuant to 15 USC 1692 ( d ) ( 1 ). Pursuant to 15 USC 1692 ( c ) ( a ) I have never given Capital One the written permission to contact me in regards to any debt.

I also received a separate letter the same day from Capital One thats also dated XX/XX/2021 letting me know that they did receive my cease and desist letter however they will continue to mail me monthly billing statements- Violation 15 USC 1692 ( c ) ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I was inadvertently signed up for paypal credit. I received no invoices or billing statements until I received a phone call stating there was a balance due. I was told PayPal credit was separate from PayPal that I used on rare occasions. Having no knowledge of signing up for a PayPal Credit account. I asked the call to immediately close the account! I asked for proof of the charges and was told they could not give them to me. I informed the caller that without proof I would not make any payment. I was later able to confirm I made a purchase on eBay and after about a month finally obtained some records from Paypal Credit showing interest and late charges. I paid the original purchase amount, they waved some but not all charges. I still disputed the remaining charges but the telephone representative refused to give me an email or snail mail address. I was able to look up on line the snail mail address and sent a letter. Several weeks later I received a form email stating they received my dispute but provided nothing further than " it will be reflected in your billing ''. The billing never changed and they did nothing. Further calls escalated to supervisors we either " dropped '' or " nothing could be done ''. 
I will not be paying the {$54.00} current balance but wish to keep my good credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Before the pandemic, I paid a day or two ahead of time for a type of benefit that they didn't clearly explain and I accommodated that. 
It seems as though that when I paid it early, the creditor would process the payment late or have some excuse as to why the payment did not post in time to correct the issue. 

As a result, I have a late payment for this creditor on my credit report that says I was 30 days late on a payment. It is farthest from the truth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was reported late payments of $ XXXX monthly payment each month. XXXX finance doesn't have a specific reporting day. They say they do and they don't, some months they report every month and some months they report every XXXX months which causes incorrect reporting on my report stating my payments to become late and I'm not. This has been an ongoing issue with them and I feel this is unlawful, discrimination and against my consumer right. I have reached out numerous of time to the head quarters, the call center, the CEO and i have yet to hear anything or changes to the account to be updated to current and at this point I will file a suit. I am just getting back to good health and this has been a strain on me. As a dedicated customer for almost 4 years, I thought I would get better treatment than this. I am demanding, under the provisions of the FCRA, 15 USC section 1681i, that they remove immediately as it is deemed, unfair, illegal and a violation of my consumer rights according to 15 U.S code 1666b. 
As it states, a creditor or any agency must not treat any payment on a consumers credit file as late for any purpose. If so, it must be immediately and permanently removed from file or a complaint or lawsuit will be filed for discrimination against my decent, violating my consumer rights deemed by law and the reporting of inaccurate 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 non-monetary relief
Consumer complaint received 2015-07-02
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus continues to explain their actions for not providing me with information on my mortgage, by stating that I am in bankruptcy and that I am represented by Attorney XXXX XXXX. This is all false ; I have never been in bankruptcy and never hired Attorney XXXX XXXX. Since Seterus is conducting themselves based on this, I need Seterus to submit proof that I am in bankruptcy and I am represented by Attorney XXXX XXXX. Seterus never bothered to verify this information about me. Since this is all false, I am entitled to information about my mortgage loan. This includes receiving monthly statements so that I can make sure that my payments are properly credited, find out when statements are due and what late fees charges are, and escrow statements need to be mailed to me at my home address. The latter was mailed to Attorney XXXX XXXX of which I have no relationship with. This error by Seterus resulted in my not knowing the new monthly payment amount for my mortgage. XXXX Bank sold our mortgage to Seterus in XXXX 2013. During 2013, I continued to receive monthly statements and the escrow statement prior to the mortgage being taken over by Seterus. If XXXX can provide me with information on my loan, than Seterus certainly can continue to do so. I am not in default of my mortgage loan. All payments have been made and proof of payments have been provided to Seterus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been disputing the following items for over 6 months with no response or proper verification as to their completeness in recording, verification methods, and accurateness. 


XXXX XXXX Investigate if I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX Please take off the late things from this account because I believe I made my payment that month. 

U S DEPT OF ED/XXXX XXXX I am disputing the financial obligation because there is no contract. It violates the FCRA, so please remove this collection immediately. 

U S DEPT OF ED/XXXX XXXX Please take into account this collections opening date and last activity because it does not match my records. Please remove immediately. 

U S DEPT OF ED/XXXX XXXX Please investigate this collections status, I do n't think it 's accurate. Please remove this collection for it 's inaccuracies. 

U S DEPT OF ED/XXXX XXXX I am requesting an investigation on the account responsibility. Can you take a look at the account number and company name. I do n't think it 's XXXX accurate, so please DELETE this collection from my credit report. 

US DEPT VETS XXXX Please take a look at this collections account number and balance because it seems off. I do n't think it 's XXXX accurate. Remove it from my credit report immediately please. 

USDOE/XXXX XXXX Please perform an investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This weekend a company I have never heard of nor done business with, placed a {$3300.00} collection account on my credit report, for which I am confident I do not owe since Ive never heard of this company. Ive never received a letter from this company, which is a requirement under the FDCPA, so that I could properly dispute it along with the fact that Ive never received any phone calls from this company ... this leads me to believe that this alleged debt is falsely reported to my credit report, which could potentially have a negative impact on me. I would like this removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: DriveTime
State: AL
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 advised the companies that my information had been compromised from me sharing personal information via texts. I had various unconsented and unrecognized inquires on my report. I sent out letters asking that they are deleted and explained the situation along with sending screenshots to the companies of the texts that compromised my information. They didn't send me any proof that I gave them consent to review my credit, nor provided any solid proof that the inquiry actually came from me since ALL of my personal information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I wrote Credit Collection Services on XX/XX/2021, and XX/XX/2021 asking them to validate this debt they keep trying to collect on behalf of XXXX XXXX. Despite my asking for validation, they only keep sending me a bill continuing to attempt to collect this debt. I do not recall signing any contract with this company and they did not write me to tell me they were going to report this debt on my credit which is damaging my credit worthiness. 
Instead of validating this debt, they sent me a settlement offer. In order to close out this matter, which THEY NEVER VALIDATED, I told them I would accept their offer in exchange for them removing this debt from my credit reports with XXXX  and XXXX  that they are reporting this account to. They never replied to my offer. 
At this point, I am not interested in settling with this company, as they never complied to any of my letters, and I do not owe them anything. Unless they can prove that I entered into some type of contractual signing giving them a right to collect on this debt, they are falsely reporting this account on my credit. I am now turning to you to see if you can help me resove this matter. They also are using two different addresses, in which I am sure they receive correspondence to both addresses.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not recall ever doing business with XXXX XXXX. I also didn't receive documentation prior to the debt being listed on my credit by this company. Another company couldn't verify this information as it is fraudulent now this company ( national credit adjust ) has relisted the same account on my credit. I would like valid proof of some original documentation with my signature that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Discover does not provide adequate access to loan information for their borrowers, including important agreements to the terms of their loans. The loan statements are intentionally misleading and represent inaccurate interest calculations. My private student loans were bought by Discover from XXXX XXXX for an initial principle of {$34000.00} which is the combined total of XXXX ( XXXX ) different variable rate loans. The monthly statements indicate the principle balance, interest rates, and loan balance ( principle + interest ). However, when you calculate the interest rate based on the principle loan amount the loan balance indicates a significantly higher amount, misleading consumers that Discover 's arithmetic is inaccurate. When I called Discover student loans regarding this dependency, I was told that it is due to what they call " Capitalization '', which I was told by the representative is essentially a compounding, or double charged interested to my principle. This type of action would be in violation to the terms of my loan. When I pressed the representative on this issue, she decided to transfer me to someone else ( XXXX ) who was in what she called a " Specialty Department ''. After asking what this specialty department was, I was told that was a misrepresentation and he was just the acting supervisor. He later explained that what the previous representative said regarding compounding interest and double charged interest was not technically accurate. He began to tell me that it was something that most borrowers do n't think of or know they are agreeing to most of the time and agreed verbally that this was an underhanded practice. XXXX informed me that I agreed to all of this in my " Promissory Note '', which I do not have access to. Discover purchased my loans from XXXX XXXX in XXXX, however, Discover only gives me access to statements dating back to XX/XX/XXXX. So in short, my complaint is Discover 's lack of loan information, misleading or incomplete information on loan statements, and misleading information by representatives in customer service. It is clear that Discover Student Loans have not made the necessary improvements since the ruling of their XXXX class action lawsuit charging them with similar sloppy, misleading business practices. When will student borrowers get the protection they need from these crooked student dept holders??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Accounts Receivable Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Wa Says I owe {$10000.00}, I have never lived or rented through their leasing agency, during the time that they are saying I rented from them I lived at XXXX XXXX  in XXXX XXXX. I signed a application for these apartments however I never signed any paperwork or had a lease, I remember they asked me for my social security and I put it in the application and all my personal info which I thought was weird. 
Accounts receivable XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions 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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: OR
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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, on my credit report are a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Account status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: Alorica Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My first loan with XXXX XXXX XXXX was in 2008 out of XXXX XXXX XXXXXXXX XXXX, Wa. The establishment forced me to record my bank account information incase the allotment ( funds taken directly from my check ) ever failed. I am understanding that if XXXX XXXX loans did the same thing and had to pay, why shouldn't XXXX XXXX XXXX have too. Also, XXXX sold all of our loans to XXXX. What is next in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a report through both XXXX  XXXX  and XXXX XXXX XXXX that a new hard inquiry had been reported on both my XXXX and XXXX credit reports. 

Both accounts show a hard inquiry from Capitol One on XX/XX/2022 located at XXXX Capitol One, XXXX, VA XXXX, Phone Number ( XXXX ) XXXX. 

I did not submit an application for credit with Capital One. Capital One was unable to verify any credit application using my social security number or cell phone number. Capital One refused to attempt to find an application using other personal data ( name, birth date, address ) that might have been compromised. 

My XXXX report reflects that : Within the past 90 days, companies that requested your report provided the following information. 

Name XXXX XXXX Requested On XX/XX/2022 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX This is presumably the information that was provided to Capital One in connection with the credit inquiry. However, the address does not match any of my record addresses, which should have alerted XXXX to the likely fraudulent nature of the inquiry. XXXX apparently nonetheless responded to the inquiry from Capital One. XXXX has refused to delete the inquiry from my account without a Letter of Deletion from Capital One, which has disclaimed any knowledge of the inquiry and refuses to further investigate or a police report. 

XXXX allow me to submit an online dispute regarding the inquiry but summarily dismissed the dispute with a statement that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' They similarly indicated that my only options were to pursue it with Capital One or obtain a fraud report. 

I also received a call purportedly from Capital One 's fraud department directing me to call in reference to a recent application ( XXXX ). This does not appear to be a legitimate call from Capital One, as this number is not referenced on any Capital One site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus ( " XX/XX/2022 '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections XXXX09 ( 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 ; XXXX, and I'm including it again. " XXXX XXXX XXXX : {$55.00} "

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