BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
IN XX/XX/XXXX I purchased a truck ( joint account ) from XXXX XXXX now XXXX. I purchased this vehicle for someone so it was never my primary truck. he never made good on it so the payments was always late. as far I can know, there has n't been any activity on this acct since XX/XX/XXXX. I 've ask both the XXXX and XXXX to provide me with a payment history so that we can correct and update the DOFD ( date of first delinquency ) to determine when the negative reporting would be removed. that date keeps changing, first it as XX/XX/XXXX, now its XX/XX/XXXX. XXXX reported that I made a payment on XX/XX/XXXX. I asked them to verify that payment, because they could n't they removed it but added other dates to assumed that I had activity on this account. in XXXX XXXX they sold the acct to XXXX and they reported before I ever received mail of who they was. they are also reporting with the same info as XXXX as if this is a new account. im making a complaint to because I believe they are Re-aging my account to continue making negative reporting. as of today the DOFD ( date of first delinquency ) is XX/XX/XXXX which on the statement I provided to them is there maturity date. also they added a major delinquency date as of XX/XX/XXXX. not sure what that is but all this negative reporting has caused my report to look like I 've opened up a new acct and decreased my credit score again.. I would like for them to correct those dates and any points that have been removed be added back. I have worked hard to rebuild my credit In other areas and this has affected it again. I know that re-aging is illegal. the PDF file is the XXXX investigation and a statement from XXXX of the late payments and the XX/XX/XXXX is there maturity date and not the DOFD ( date of first delinquency ) THIS COMPLAINT IS FOR EXPERIAN

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 2016-01-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I received an adverse action on my utility credit score. I requested the report from Experian and my request was denied, even though I have a letter from the utility company saying that I am entitled to a free report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Chase bank is reporting a charged off credit card on my credit file. I have requested the debt be validated and have yet to have any documents furnished. I recently recieved a cancellation of debt from the IRS on XXXX/XXXX/2015, which shows that Chase has written off the debt and has left with the tax burden .Also they are reporting and still actively trying to collect the full amount of the debt as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Harris & Harris XXXX XXXX XXXX XXXX, Illinois XXXXPhone Number : XXXX continually call my phone every morning. I have informed Harris & Harris that this debt is included in Bankruptcy that was file XXXX/XXXX/2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: AMERICAN EXPRESS COMPANY
State: WY
Product: Credit card
Issue: Rewards

Complaint:
I applied American Express Platinum card on XX/XX/2016. At that time, American Express gave me open account bonus which was 100k Membership Reward ( MR ) point after spending 3000 . I satisfied this requirement on XX/XX/2016 and American Express posted 100k point into my account ; however, at same time, American Express frozen all my MR points ; even the points that I earns in the previous purchasing. American Express told me that they needed to review my account to make sure that all purchases meet qualifying criteria. I understand this and they said it will take 6-8 weeks. BUT, I have already waiting 15 weeks!! I called them many times and American Express just asked me to wait. I have traveling plan in XX/XX/XXXX and I am urgent to use MR points. But, right now, I can not transfer any points from it, even my previous points. They cause extremely inconvenience to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: OneMain Finance Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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 am currently applying for a HELOC with XXXX XXXX. When they pulled my credit there was a credit inquiry on the account from XXXX XXXX XXXX that I did not conduct. I did not apply for any credit at all. I called them to dispute and then sent in a dispute letter through the mail that they received on XX/XX/XXXX telling them that I had not applied for any credit ( through any company ) and asked them to remove the inquiry from my bureau. They sent me a form letter denying my claim telling me that they had permissible purpose to pull my credit when I applied for the loan. I had made it clear to them that I had not applied for any loan. They did nothing to investigate my claim. If I had applied for a loan through them I would have proof of that and should have received some form of adverse action to my address. None of that happened so I did not even know someone had fraudulently applied for a loan using my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have asked for a copy of a signed contract between myself and LVNV funding to prove I owe them money and they have not provided any proof or any paperwork that I have entered into an agreement with then. 

They continue to report the account to the credit bureaus XXXX  and XXXX  as verified and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: NC
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 wrote to the bureaus on XX/XX/22, XX/XX/22, and XX/XX/22 about the late payments being reported on the attached accounts during the COVID-19 Pandemic. Per the Heroes Act, passed by Congress, the bureaus could not report late payments during that time plus an additional 120 days. These late payments are still appearing on the attached accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Since XX/XX/XXXX Bank of America has charged me in excess of {$2000.00} in NSF fees. Just in a 4 week period, I was charged over {$700.00}. The {$35.00} fees were charged even when payments were returned as well as when they were paid. My paycheck for {$2100.00} direct deposited today is nearly gone with most of it being swallowed up to these fees which in actuality amount the most usurious lending practices outside of the mafia. The APR for what I was " loaned '' is well over 1000 %. The average transaction in question was at or less than {$35.00}. I called B of A and let them know that after my divorce I am enrolled in an MBA program and am close to getting a second job. Bank of America in XX/XX/XXXX charged me in excess of {$2000.00} as well. Is this being listed accurately in item # 1 of Bank of America 's 10K? I do n't think so. In fact, I am certain after reading numerous reviews from other victims in my situation that they do this with impunity - they have the lobbyists and we do n't. I am not taking a political stand, I am simply pointing out that even though they had a judgement against them for {>= $1,000,000} in regards to the very same thing - they still operate as 'business as usual '' - this is wrong, predatory and illegal in any other sense. I suppose because of vocabulary terms they are able to hit people for very stiff " vig. ''

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 2021-06-17
Company: ClearPath Lending
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After purchasing a home with a VA loan my wife and I have received what can only be described as a harassing number of refinance letters from ClearPath Lending. We have never had any business dealing with ClearPath Lending and do not desire to. My wife and I both completed the opt out process at XXXX, as provided by the Fair Credit Reporting Act, on XXXX XX/XX/2021. CleapPath Lending has ignored our opt out and continued sending refinance letters. After giving adequate time for any letters already in the mail to be delivered we directly contacted them on XXXX XX/XX/2021. They agreed to stop sending letters. However my wife and I have continued to receive letters from ClearPath Lending, with the latest received today ( XXXX XX/XX/2021 ).

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 2022-10-01
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX ATTENTION : Consumer Financial Protection Bureau ( CFPB ) RE : XXXX XXXX Account # XXXX RE : INVESTIGATION RESULT DATED XXXX ATTACHED. 

Dear Sir / Madam, This is to inform you that according to the information in the attached investigation result provided by the furnisher regarding my last dispute, the investigation result indicated that the date of first delinquency is XX/XX/XXXX since the last date the account was current was XX/XX/XXXX which says ( XXXX ). PLEASE SEE HIGHLIGHTED DATES IN THE INVESTIGATION RESULT ATTACHED. The Highlighted items indicated the date the account was last current as well as the date of first delinquency. 

According to FCRA, any delinquent account must be deleted seven years from the first missed payment and that date according to the highlighted attached document as XX/XX/XXXX. Be informed that seven years from the date of first delinquency which is XX/XX/XXXX according to the highlighted in the attached evidence is XX/XX/XXXX. 

Note : Reporting delinquent account more than seven years or trying to re-age an account is a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

15 USC 1681c ( a ) ( 4 ) REQUIREMENTS RELATING TO INFORMATION CONTAINED IN CONSUMER REPORTS. 
( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS. 
Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( XXXX ) Accounts placed for collection or changed to profit and loss which antedate the report by more than seven years. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
According to Wells Fargo EFS, I opened a loan with them sometime between XX/XX/XXXX and XX/XX/XXXX for tuition at XXXX XXXX University in XXXX, Ca. I did attend that school but I have no recollection of signing a loan with Wells Fargo. I have contacted them on several occasions requesting that they provide me with some form of proof that I initiated a loan with them, which they have not done to date. It appears that Wells Fargo is claiming that I owe them money, even though they are unable ( or unwilling ) to provide any proof that I have taken out a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Barclay 's Card for XXXX charged interest for the full amount of a purchase at XXXX as soon as their " promotional period '' was over. The majority of the device was paid ( about 300 $ left ) and I was slapped with a 400 $ fee for the entire amount of purchase. I was not aware of this deadline and I was NOT notified by the company via email, mail or phone.

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 2016-10-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan with Ocwen is on auto-payment and they reported payment as late XXXX 2016 preventing me from closing on my escrow. 

I am a XXXX of XXXX, a XXXX. 

I was XXXX to XXXX in XXXX, the month of the reported late payment. 

I submitted a copy of my orders to XXXX and duty sheets. 
I submitted a copy of a letter from my XXXX XXXX. 
I submitted a copy of my banks statements, my XXXX accounts for XXXX. 
Go to inciweb.nwcg.gov XXXX see attached screen shot XXXX XXXX while XXXX the automatic payment failed because I was completely unable to transfer from XXXX account to the account Ocwen debit from until XXXX XXXX -- when I was not yet 30 days late. 

On XXXX XXXX on my bank account page XXXX which Ocwen debit from to see that I transferred {$1900.00} from my XXXX XXXX XXXX XXXX 

The bank teller told me Ocwen was attempting to pull the dollars owed again because she could see an Ocwen withdrawal pending on her screen. She showed me the screen. I was satisfied I would n't be late & Ocwen 's information should match. For whatever reason Ocwen 's pending debit did not happen. 

If I did not believe the screen I 'd have phoned my payment in and not been late! 

I very clearly intended to pay & arranged for the payment to be on time. 

I feel I qualify for the XXXX Code on my credit report to prevent the dropping of credit scores due to XXXX disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My XXXX payment was marked late even though I mad the XX/XX/17 payment on time and 2 other payments in the month of XX/XX/2017 which I was expecting one to be applied the XX/XX/17 payment and it never was for Capital One acc num XXXX. 
Even though I had made several payments before the due date theymarked my XX/XX/17 payment late. 
you want people to pay on time and when they do you don't apply the payment. that is very deceiving to not post the payment to the next billing cycle. as it should In accordance with the fair credit Reporting act XXXX XXXX  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 reporting agency can not furnish a 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 any purpose. 
This is my final attempt to resolve this issue before I file a smalls claim case in XXXX NY for the max of {$5000.00} plus attorney fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Somebody i opened a td bank account in my name and had checks and debit card mailed to my house otherwise i would have never known. They have access to my social somehow and did this online

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian has been incorrectly and inaccurately reporting certain information my credit report. The furnisher has referred me to the bureau. As shown in the attached screenshots, Experian lists these accounts as being installment accounts when they are not. They also list date of status as being XXXX and XXXX, respectively, yet the they 've updated monthly since the addition of these items to my credit report. They also list past due amounts and other history that the furnisher insists has not come from them. I 've attached several screenshots supporting my position.

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 2015-04-16
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
After receiving a few phone calls at work ( he left a message ) and on my cell phone from XXXX XXXX of the law office of XXXX XXXX in XXXX Ca I decided to call him back. He told me I had a debt and owed XXXX from a XXXX loan I had taken out a few years ago. He then gave me XXXX options 1. pay XXXX today and make small payments on the rest. 2. make larger monthly payments to pay it off. 3. pay smaller payments but would need to pay XXXX today for a down payment to start the repayment process. I explained to him I would need more time to come up with XXXX. He told me that was not an option because I have already taken a long time to repay them back. He also told me it would be embarrassing if he had to serve me legal papers at my place of work since I am refusing to settle this today. I told him I was not refusing to settle, I just needed more time. He began to get rude and began to ask why cant someone like my husband or anyone help me pay this. I explained, I did not have a husband or anyone that would help me. I told him it is too hard for me right now because I have a baby and another son. He then replied, " so you have a new baby with no husband ''. He said that sarcastically. He also said he knows how much money I made and said he knows I can make the payments. I again explained to him I was not able to pay just yet. I asked if I could call him back. He confirmed my place of employment as if he was going to send someone to come by. Before hanging up I asked to speak to the attorney he had mentioned earlier he said I could speak to him at court. I was trying to see if we would be able to settle something in the near future, but he did not seem to want that. after a few minutes went by I called him back because I felt very threatened and nervous about him/someone coming to my place of employment. When I called him back I told him to not call or go to my work ever again. He replied by saying they will do whatever they want to resolve this. I then asked for their address. He replied by saying that I do not need their address anymore because they have already made a decision about what to do with my case. I said I want your address any way. He gave me XXXX XXXX in XXXX Ca XXXX. I then asked for their fax. XXXX XXXX then hung up on me. Also in the middle of the conversation I asked him how much was the loan I took out, he replied XXXX or something like that, but I now owe over XXXX from interest. I feel threatened and nervous about job loss. I also think he refused to settle anything with me because he did not want to give me more time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the third year in a row Ocwen has sent an incorrect form XXXX for my taxes. This requires submitting an amended return, once they realize their mistake - which costs me money. This year I am holding off on filing my taxes even though I could use my refund. The XXXX I got this year says I paid XXXX in mortgage interest. I do not get statements from them but my principle and interest this past year was XXXX a month for a total of XXXX. When I contacted them in 2015 about the incorrect initial XXXX and having to file an amended return they apologized for the inconvenience. Normally mortgage principle and interest are straightforward calculations easily done by any computer. I do think that their financial abilities should be looked into I find it hard to believe that my account is the only XXXX they manage to miscalculate.

Company response to consumer: Closed with explanation