BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  have had authorization information on my account to do direct debit for monthly payments in the amount due. These payments have been in place for over two years to avoid a missed or late payment, and have been deducted without issue. 

On XX/XX/XXXX however, the monthly payment amount increased, but not only did XXXX XXXX not debit the correct amount, they never called me or sent mail notifications regarding the change. On XX/XX/XXXX, the issue repeated itself, without notification by them, at which point I became over 30 days due for the small difference in payment they debited in XXXX on XX/XX/XXXX, without warning - phone call or mail, I was reported to the credit agencies as delinquent. 

I attempted over a period of days to contact XXXX XXXX customs service as well as XXXX XXXX  - multiple transfers - hours on the phone - reps telling me no payments were made, myself providing bank info showing they were, reps ultimately finding them and ultimately telling me they didnt know why I was never called nor why XXXX XXXX/XXXX XXXX  failed to pull out the correct amount due - as authorized. 

These companies need to be held accountable for their business practices - their failures should be subjects to their own form of credit reporting in terms of financial harm, lost time correcting their errors, and more

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 2017-04-26
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Hello, I am writing a complaint, due to your false reporting of information on my credit file. There a re two judgements appearing on my report. I have sent letters to your company regarding these issues without a logical response, only that you have " verified '' that the reporting is correct. So, I took matter into my own hands and looked into this issue even further. I actually went down to the see the county clerk and had a conversation with a court representative. I asked him, " How is it that Equifax or  XXXX  or a Third Party able to " verify '' that the court information is actually mine? '' He said on the original petition there is a FULL social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case. I then decided to contact the County Clerk and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any judgement cases. So, I say to you, how can  XXXX  or Equifax or a third party information gatherer, get into the court system and verify as such that the full social security number belongs to me and not to another person with a similar name/last 4? You are reporting false information that can not be fully verified by the court system. If you have already petitioned the court, please provide me a copy of the documentation used to verify my information and the person with whom you verified the information. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a   credit report. I ask that you remove them immediately or face a lawsuit. Here are the judgements in question : 1.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$9700.00} Satisfied Judgmen t 2.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  {$10000.00} Unknown Judgment I hav e one judgem ent that says " satisfied '' with a balance of {$9700.00} ( that can not be accurate since satisfy means paid in full ).     I have the other judgement that says the status " unknown '' .This is false information because the status can not be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: CITIBANK, N.A.
State: PA
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 spoke with 5 Citi representatives today over about 4.5 hours. Based on my statements from XXXX and XXXX, their payment allocation did not follow the hierarchy rule required by the Credit Card Act. I have attached the transcripts from the final 3 conversations, as I didn't think this would be such a significant issue when I had my initial chat and then placed the call to account specialists as I was instructed to do. 

I paid in excess of my minimum payment in XXXX ( {$130.00} ), XXXX ( {$110.00} ), and XXXX ( {$120.00} ). Anything above that payment should have applied to the higher ( 29.99 % ) APR balance. Some applied to it, but more than should have was paid to the lower ( 22.99 % ) balance. 

For instance, in my XXXX statement, the payment to the high APR balance was about {$430.00}, accounting for the amount of the preexisting balance and the new charges billed. In contrast, my lower APR balance received a {$400.00} payment, which is {$280.00} in excess of my minimum payment. With a balance subject to the 29.99 % interest rate of {$490.00} at the end of XXXX, there was ample balance towards which the excess payment could be paid regardless of when new purchases were actually billed in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions 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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer 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 and purpose. 

Reported late as on XX/XX/2021 XX/XX/202XXXX 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 2022-08-24
Company: EQUIFAX, 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 never opened up - XXXX  Opened XX/XX/XXXX for {$210000.00} - XXXX  XXXX Opened XX/XX/XXXX for {$250.00} - XXXX  Opened XX/XX/XXXX for {$5100.00} - XXXX XXXX ( Original Creditor : XXXX XXXX  ) Opened XX/XX/XXXX for {$190.00} - XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Opened XX/XX/XXXX for {$680.00} - XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX {$3200.00} - XXXX  Opened XX/XX/XXXX for XXXX - XXXX XXXX XXXX Opened XX/XX/XXXX for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, GA XXXX Collecon : XXXX XXXX XXXX Experian Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX, GA 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 2022-08-24
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, GA XXXX Collecon : XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Below is what I sent to Selene Finance : On the purchase of my investment property, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, my loan originated by XXXX closed in XX/XX/XXXX- As you know, Selene Finance purchased the mortgage loan and/or servicing rights from XXXX Mortgage in XX/XX/XXXX - XXXX taxes to the city of XXXX XXXX were due on XX/XX/XXXX which Selene never paid, even though it was required by both law and the loan documents for an escrowed loan. As you are also aware, I was unaware of that until applying for a Certificate of Occupancy in early XX/XX/XXXX - In order to complete the CO process, I had to pay the taxes myself ( copy of payment attached - reference payment on XX/XX/XXXX ) and expected a reimbursement from Selene Finance while you figured out why you made this error - For over a month I have spoken to a number of customer services reps and team members in your tax department and continually get a run around. Your responsiveness and customer service is clearly failing the baseline requirements of TILA, RESPA, state law, and the XXXX UDAAP requirements. 
- You told me that according to RESPA that Selene wouldn't have been able to pay the XXXX taxes as there is a 60 day review process and that XXXX would be responsible for that, which my lawyer said is not correct in the first place and additionally at this point it's been well over 60 days - However, you also said that you'd work to get me reimbursed and then contend with XXXX on the other end of the corporate dispute. 
- It's been over a week and still no resolution has been made. And this is after months of disputing this issue with Selene.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Comerica
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Some charged various purchases to my card from various places and I filed a complaint with the company and they continually give me the run around and tell me my case is closed and will not refund my money even after filing a police report and sending it to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Equifax has furnished my information and reported incorrect information, this has affected my livelihood and my XXXXXXXX XXXX XXXX. I demand that the accounts below be removed AND UPDATED from my report XXXX  XXXX CHARGE OFF ( INQUIRY ) DELETE UPDATE THE LATE PAYMENT TO PAID ON TIME AS THEY ARE CORRECT. 

XXXX XXXX XXXX SERVICES ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Collection Bureau of America Ltd.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do n't have any account with XXXX XXXX XXXX XXXX XXXX 
However, I have received the bill every month since XXXX from the company. I have made complaint about this matter over the phone several times. They told me that understood and it was [ Fraud ] and fixed the issues. ( Last conversation with the company was XXXX/XXXX/XXXX ) Today ( XXXX/XXXX/XXXX ), I received [ COLLECTION LETTER ] from Collection Bureau of America ( XXXX ) and it said I owe {$84.00} the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX  account # XXXX is showing as a closed account on my credit report. This account is full of inaccurate information such as my correct legal name, address, as well as false signature. 15 U.S.C sec. 1681i ( a ) states that a thorough investigation must be conducted by the credit reporting agencies providing all accurate proof of the legitimacy of this account or it is to be deleted. I have no idea who did this. 15 U.S.C 1681 also states that credit reporting agencies have a obligation to report fair and accurate information as I also have a right to privacy and confidentiality protecting me from false, inaccurate or incomplete credit reporting that is damaging.

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 2022-09-30
Company: Halsted Financial Services, LLC.
State: MI
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:
Calls and letter about this account daily on a balance that was paid in full and doesnt belong to me please remove from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX had 2 Capital One accounts. They failed to communicate with me to settle these accounts. They didn't answer phone calls, emails or calls. Capital One did not either. I have been trying to resolve since 2016. This is unprofessional and unethical. Being reported by Capital One in collections all this time and none of these business will communicate. Very wrong. I demand this be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I paid my advance back last week on XX/XX/2022, when I signed into the app I learned my advances were gone and I had a {$380.00} balance. I immediately reached out to Moneylion, was told my information was hacked, and felt like I was heard, and would be helped. That was all lip service. I learned someone was able to sign into my account advance money to my XXXX card ( which I hardly use ) then transfer to themselves. it shows exactly who stole the money, and the customer service representative seen his account locked it and promised it would be resolved quickly. I was contacted by a representative in the advocacy team who seemed to care at first. I get a notification everyday that she has heard nothing. I advised I am in XXXX, Fl enduring the hurricane and money is nonexistent. She wished my a wonderful weekend. Right, I am rebuilding from all the storm damage, dealing with the stress of that on top of zero information on the status or turn around time. 

This company now shows I owe {$450.00} that I never advanced or got use of, the fraudster did. And in reviewing the activity further learned he took another {$50.00} each ( {$100.00} total ) from my account on XX/XX/2022 and XX/XX/2022. 

I want this resolved asap and provisional credit given.

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 2022-09-30
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting acXXXX XXXX Account number XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: CL Holdings LLC
State: IA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I purchased a used XXXXXXXX XXXX XXXXXXXX vehicle from XXXX that was financed through XXXX XXXX XXXX On XX/XX/XXXX. I made monthly payments on the vehicle until XX/XX/XXXX at which point I took the vehicle in to a dealership to trade in towards the purchase of a new vehicle. In doing so, I as well as the sales team contacted XXXX XXXX XXXX numerous times attempting to get a payoff balance so that the value of the XXXX could be applied to my new loan, and I could be credited for the trade in. Not only were we given numerous different totals, but every instance of trying to call in the payment was met with being placed on hold until we gave in and hung up. The dealership ended up securing funding for my new vehicle without the trade in value applied and sent me on my way. I was called twice after by XXXX XXXX XXXX in an attempt to take my monthly payment, and both times asked to be given a final payoff amount to no avail. Eventually XXXX XXXX XXXX repossessed the XXXX XXXX with many of my belongings still inside, and from what I am told, sold the vehicle at auction, and placed an account into collections against me for a random amount of money. They have made it so that there is a collections account on my credit report for over {$4000.00} due to some Jefferson Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I called Capital One last month to pay off my account in full. The customer service rep gave me a figure, I paid it and intended to close the account. This month I got a new bill, with the interest amount accrued during the billing cycle before I paid off the card. I have since paid this ( very small ) interest amount and closed my account. I believe the customer service rep should have provided the total of that additional amount due when I called last month, especially since I informed him I intended to close the account. In my experience, Capital One takes every advantage to squeeze fee income from its customers. It would n't surprise me to learn that not disclosing the accrued interest is a company policy, based on some behavioral economic or algorithmic calculation, to take advantage of customers who think their account is closed so that Capital One can impose a late fee over some piddly interest amount - in my case it was {$2.00}. Capital One will never again be in my wallet. 

PS : When I called the Capital One customer service rep this month to learn why I was being charged this additional amount, I also asked what federal regulator I should contact to complain about the company 's service. After putting me on hold for several minutes, she came back on the line and said she could n't find out what federal regulator I should contact but did suggest I file a Better Business Bureau complaint. Capital One customer service reps do not know the company they work for is regulated by the Consumer Financial Protection Bureau and can not tell a customer that - really?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 had a hard inquiry on my credit report via XXXX from : Institution Information KOHLS/CAPONE XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX I tried contacting the insurer of the card which is Capital One. 

They did not find any account opened from that but I would like the inquiry gone. 

They were unable to help with that

Company response to consumer: Closed with explanation