BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-07
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am having issues with my XXXX XXXX credit card. Earlier this year i had some fraud occur on the account and it lead to a late payment to my credit report in XX/XX/XXXX of 2017. I contacted XXXX and they sent me a letter stating that a request was sent to the credit bureau to have the 30 day late payment removed. It has not been removed and I have disputed with credit bureau and they state XXXX is not removing from bureau.
I also have another recent issue with them where apparently my mail is being returned to them from the post office so i did not receive my last statement and the account went 31 days late. I tried calling in to speak to someone on XX/XX/XXXX and the fees were credited due to the proof of the mail being returned but i am afraid they are going to do to me the same thing they did earlier this year. Neither of these issues are my fault and need to be token care of.

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 2022-07-14
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX as 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 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 a open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: MA
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: Was not notified of investigation status or results

Complaint:
I mailed certified letters to XXXX XX/XX/2022, which was received XX/XX/XXXX at XXXX and Experian, which was received XX/XX/XXXX at XXXX, requesting the removal of several inaccurately reported accounts. To date, I have yet to receive a response. I understand they have XXXX-days to reply to my request once they receive notice, but I have not received response or notification of a conducted investigation as required by law under the 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 2022-02-14
Company: RC Willey
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: Old information reappears or never goes away

Complaint:
My credit dropped tremendously so I pulled up a credit report. It shows that RC Willey is still an open account. Under account status and payment status itsays current. For status update it says XX/XX/2019. It shows that I have a credit limit of XXXX and used {$930.00}. I called RC Willey in XXXX XXXX, and I was told that the account was closed however, under payment status, on my other accounts it says debt included in or discharge through bankruptcy chapter XXXX, XXXX, or XXXX which it should say that too. I called my attorney and confirmed that we did put RC Willey in the bankruptcy.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX

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 2022-07-14
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:
Upon checking my Complaints # XXXX, XXXX, and XXXX, I found out that it was closed last XX/XX/XXXX. Again, it has been drawn out into the open that the 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the credit bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the list of unverifiable items found on my credit report : XXXX XXXX Balance : {$1400.00} ; XXXX, IL XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/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 2017-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am having issues with my XXXX XXXX credit card. Earlier this year i had some fraud occur on the account and it lead to a late payment to my credit report in XX/XX/XXXX of 2017. I contacted XXXX and they sent me a letter stating that a request was sent to the credit bureau to have the 30 day late payment removed. It has not been removed and I have disputed with credit bureau and they state XXXX is not removing from bureau.
I also have another recent issue with them where apparently my mail is being returned to them from the post office so i did not receive my last statement and the account went 31 days late. I tried calling in to speak to someone onXX/XX/XXXX and the fees were credited due to the proof of the mail being returned but i am afraid they are going to do to me the same thing they did earlier this year. Neither of these issues are my fault and need to be token care of.

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 2022-10-03
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was in the process of completing my home purchase through Newrez LLC I had closing date of XX/XX/2022. On XXXX XXXX Newrez fired their entire XXXX office in the middle of processing. My loan was being processed using down payment assistance programs and Newrez had one person in their XXXX office that processed these loans and he was terminated with the rest of the office. They have no one that is certified to complete this process and I am now going to loose the house I was in the process of purchasing. I have no recourse, they will not return phone calls they are giving me the run around and I will be homeless in 3 weeks. The loan officer XXXX XXXX, has been willing to complete the process but they have no clue what they are doing or who is even doing what. There are 100 's of other clients that are in the same process. They were literally awaiting paperwork to cut a check. Someone needs to complete the process of my home loan and to stop giving myself and everyone else in this process the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It seems that my Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX upon checking it. Again, this is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, kindly block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Please see the list of erroneous items found on my credit report : XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$1500.00} ; MEDICAL XXXX Balance : {$84.00} ; MEDICAL XXXX Balance : {$84.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$170.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX

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 2017-09-07
Company: Innovate Managed Holdings, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I origonally leased a XXXX XXXX from XXXX XXXX XXXX  on XX/XX/XXXX. My lease agreement states that the company is responsible for maintenance on the vehicle up until 90,000 miles are on the vehicle. My loan was transferred to XXXX XXXXXX/XX/XXXX. My contract also states that if the lease is transferred the agreement still stands regardless of the new companies policies. XXXX XXXX has failed to uphold my maintenance agreement and has not reimbursed me for two seperate maintenances preformed on the vehicle. The innvoices were submitted XX/XX/XXXX and I was told it would take 10-14 business days for the money to be reimbursed. I 've spoken with XXXX XXXX several times since XX/XX/XXXX regarding this issue and was told a supervisor will contact me within 24-48 hours. This did not happen. Secondly, upon signing the lease agreement on XX/XX/XXXX the lease states that I am to pay a total of {$15000.00} in 108 weekly payments of {$150.00}. I am and have always been on time with weekly payments yet Innovate loan is now stating I owe {$25000.00}. I have called on several occasions about this amount and have not received an updated amount, I have also submitted the Lease to them for review with no outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Transworld Systems has been reporting a collections account on my credit report that was opened on XXXX that is not mine. On XXXX I sent them a certified letter asking them to to provide me with validation of the debt .I never received any response or any verification of the debt. On XXXX I sent them a second certified letter advising them that they never responded to my request to validate the debt and they are in violation of the fair debt collection practices act and requested that they immediately contact the three credit bureaus and have the incorrect information removed from my credit reports. They never responded to me and continue to report this incorrect information on my credit reports. They also notified the credit bureaus that this information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: First Investors Servicing Corporation, Atlanta, GA Branch
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 status incorrect

Complaint:
First investors Financial services sold this debt to XXXX XXXX XXXX XXXX XXXX and one XX/XX/XXXX I paid the amount owed in full but they are still reporting on my credit Date account open XX/XX/XXXX 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 2018-05-20
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 GC Services debt collection attempted to withdrawal {$2500.00} from my checking account in which I never authorized. I received a call from my bank indicating a " suspicious '' transaction that had just occurred. Originally, I agreed to a {$250.00} monthly repayment plan, but GC Services took it upon themselves to attempt to withdrawal {$2500.00} in which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Albert Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, my friend sent me an email referring me to join Albert to earn a {$500.00} bonus ( the email is shown in the Attachment ). I clicked the link to download Albert APP and followed the instructions to successfully apply for new accounts. According to the screenshots in the Attachment, the {$500.00} bonus should be honored when I met all the requirements every 30 days in the following 90 days, i.e., a direct deposit of at least {$200.00} and debit card spending of at least {$100.00}. I have completed these direct deposits ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) from my employer XXXX and debit card spending ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) for USPS XXXX XXXX packages and service. Attached please find a PDF file with all these records. 

However, from XX/XX/XXXX to now, Albert refused to honor this bonus with various runaround actions. They first said they could not find my referrer ( however they confirmed on XX/XX/XXXX after I sent them the information of my referer and the screenshot of the referralemail ). They asked me to have my referrertext them to confirm. When my referer did so, the Albert representative then dragged on the new terms about whatQualified Spend is. They refused me because they concluded that my spending at USPS is totally for money orders, which can not be categorized as 'good and service '. I don't know why they confounded XXXX and white saying that my spending on XXXX XXXX XXXX packages is a money order service. Such bluffing seems like an excuse for not paying out the bonus. Besides, they even asked me to provide evidence such as receipts to prove that I didn't buy money orders in these spending. How could it be such aPresumption of Guilt from them? I don't have the habit to keep these receipts everywhere in my room. Also, it is their responsibility to provide evidence of why my POS transaction violates these newly added terms. What's more, even if some customers did POS transactions for money orders, how could Albert add new terms to deny such transactions at the final time of the bonus payout? Arbitrarily changing the terms in which the customers were enrolled for the account, however, seems like a bait and switch to bolster their account openings but to deny the right to obtain their bonus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Receivables Management Partners, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have XXXX days to do so if not or over the XXXX days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over XXXX days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Lendmark Financial Services
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I applied for a loan with Lendmark Financial. Upon them obtaining my employers information I informed them I was not allowed to have personal phone calls of any kind. Informed them just to leave a message with my other contact number and I would get back to them. My supervisor sent me an email advising me that a representative from Lendmark Financial has repeatedly called asking for me to return his call. Specifically the email was received on XXXX. I have also received texts and phone calls from my supervisor over the same matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
When I checked my Complaints # XXXX, XXXX, and XXXX, I discovered that you have closed my complaints last XX/XX/22. Again, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( 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  XXXX Balance : {$15.00} ; XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$660.00}

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 explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I have some late payments reported on my credit report that are still open and current this was not authorized by under law. I also noticed 4 hard inquiries that have not been removed within the two year timeframe.

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