BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-09
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:
On XXXX XXXX 2017 a medical debt has been placed on my credit report. I have contacted the company and they are not understanding the 180 days before medical bills can be place on a credit file. Since it has not been 180 days I would like this removed from my credit report. I have contacted my insurance company and they working to fix the issue. The bill should have been paid by my insurnace. Please removed this from my credit report. 
Thank You, 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 2018-03-01
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2016 {$250.00} This debt is not mine and I am not sure where it came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. The complaint I'm referring to includes complaint number XXXX, XXXX, and XXXX. In that complaint pursuant to 15 USC 1681i ( 7 ), I demanded EQUIFAX send me my REINVESTIGATION results in 15 days of the late payments that I have disputed that they claimed were verified. I asked for the description of the procedures included in 15 USC 1681i ( 6 ) ( B ) ( iii ) that EQUIFAX have taken to receive those results. It has been way pass 15 days and I have not received any " REINVESTIGATION '' results. I have also asked for the written instructions I gave EQUIFAX, pursuant to 15 USC 1681b ( a ) ( 2 ), to furnish this information on my consumer report. Without my written instructions, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. I have not receive those written instructions either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
`I went to XXXX XXXX to get a vehicle and I was told that they were only going to run my credit report but after I checked my report I have several hard inquiries attached to my report that I would like to be removed please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-06-21
Company: United Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
At one point in 2019 I went to XXXX XXXX XXXX XXXX in XXXX XXXX, And despite having insurance and filling out the financial aid form while in the hospital but somehow it was missed placed XXXX someone dollars got turned over to the united collection bureau I have since written the hospital cleared up the matter I have a letter from the hospital saying that I have a XXXX balance disputed this with both the credit reporting agency and the debt collector, Further this particular collection agency violating my civil rights under the Hyppa laws illegally having access to my medical records and giving me no indication what kind of storage practices they keep for keeping that information safe for all I know it could be up on the company bulletin board and I never released the hospital to give my medical records to the collection agency so you guys are my last attempt before I go to court and sue the hospital the collection agent as well as the credit reporting agency for continuing to report false information anfurther this particular collection agency violating my civil rights under the Hyppa laws by illegally having access to my medical records and giving me no indication what kind of storage practices they keep for keeping that information safe for all I know it could be up on the company bulletin board and I never released the hospital to give my medical records to the collection agents so you guys are my last attempt before I go to court and sue the hospital the collection agent as well as the credit reporting agency for  continuing to report false information and refusing to give any copies of what the collection agent reported, this has had a negative effect on my credit and caused me mental anguish that persons who shouldnt have my medical information do, and these people of low moral standards wont remove false information even provided with proof. It is unacceptable that a credit agency which is merely take the word of a collection agent when I have proof and it is even more unacceptable that a collection agent has my medical records in violation of HIPAA laws ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
MORTGAGE COMPANY CHANGED ESCROW WITHOUT NOTICE, DID NOT APPLY REGULAR PAYMENT. CREDIT REPORT SHOWS LATE PAYMENT XXXX 2013. I TRIED TO ADDRESS THROUGH CREDIT AGENCIES, NATIONSTAR REFUSED TO CHANGE IT. THIS LATE PAYMENT IS HARMING MY CREDIT RATING. I WILL ATTACH PROOF OF REGULAR PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The credit company is still reporting incorrect information on my report the account from XXXX XXXX was deleted but is still reporting they have copy of my police and still have not removed the accounts off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage continues to generate incorrect monthly statements on my mortgage account since XX/XX/XXXX. Nationstar mortgage refuses to correct this issue and advises me to disregard the incorrect mortgage statements. My monthly mortgage statements do not reflect information on Nationstar 's detailed transaction history, which makes it difficult to properly track my mortgage account history. 
I filed a prior complaint with the CFPB, complaint # XXXX, which states that Nationstar has been charging me more than a 4 % late charge fee. Nationstar completed an investigation and found no errors and to be within legal compliance. Nationstar refers me to their " internal system of records '' as evidence to support their claim of " no wrong doing ''. My monthly mortgage statements from XX/XX/XXXX-XX/XX/XXXX clearly show late charge fees over the 4 % allowed by law. 
On XX/XX/XXXX Nationstar waived a late fee of {$100.00} this appears on my XX/XX/XXXX mortgage statement as XXXX separate fees being waived of {$50.00}. This is clear evidence of Nationstar 's illegal billing practices, when it comes to compounding/pyramiding fees. Nationstar is billing XXXX late fees, disguised as XXXX total late fee. Additionally if my account has been current since XX/XX/XXXX, Nationstar removed {$100.00} from my account on XX/XX/XXXX and XX/XX/XXXX. Where did the funds come from to cover these fees, if my statements do not reflect an additional unapplied funds balance? 
How can Nationstar conduct a proper accurate investigation on my mortgage account, if they are providing false and incorrect mortgage statements? These statements clearly do not match Nationstar 's " Detailed Transaction History '' that they are using as evidence to dispute any errors disclosed to Nationstar!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting calls that I have recently applied for a payday loan online which I have not. I also received a emails from " Ace Cash '' saying I owe them {$870.00} - {$880.00}. I have NEVER had a payroll advance with this company and have NEVER applied for any payroll advances online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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:
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. 

15 U.S.C 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

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 2020-10-29
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
date -- XXXX amount -- - {$3000.00} actions taken -- -Wells Fargo was notified XXXX was notified -- they sent me the fraud alert email FTC notified CFPB notified XXXX froze my accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX  Acct # XXXX has violated my rights. 

15 U.S.C 1681 SEction 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction

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 2017-07-30
Company: EQUIFAX, INC.
State: OR
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:
XXXX XXXX collection company is still reporting my account as open to all three credit bureaus when in fact it is CLOSED ( per their answer to previous complaint filed with cfpb ) and should be deleted from credit reports per Chapter XXXX bankruptcy. Despite numerous requests, the account status remains incorrectly reported as open on my credit reports with XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Brief summary. An old capital one Capital one account from XXXX, balance was incorrect and when I disputed it and it reappeared on my credit report as a debt as of date of dispute XXXX. I Received a letter from my courthouse stating that capital one wanted to to sue me, I receiver nothing from the company capital one themselves. I was thrown off and confused by the whole ordeal, I actually thought it was some sort of scam until I contacted the court house by phone. I have not heard anything since from either the court or capital one. I would like this removed from my report for inaccuracy. Be careful when choosing Capital One, they will scam you by repost old debt that was paid off!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've attempted to payoff my Wayfair credit account via Comenity.net, numerous log ins, error message states account closed, unable to make payment. The number provided on site called most recently, the rep spoken with advised no settlement offer available if paid off in full, was told to call collections when account past due... There are at least two late payment fees on the account which are questionable and I believe could be removed as part of settlement amount, if offered.. As stated before, no such offer is available as account is not past due, according to rep spoken with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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 status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX {$250.00} XXXX The XXXX XXXX XXXX  XXXX. XXXX {$700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX {$3100.00} 15 U.S.C. 1681 section 602 A States I have the right to privacy.

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

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 2022-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a secured Mastercard credit card with Capital One. My credit limit is {$650.00}. 
The purpose of getting a secured card was to help rebuild my credit and have more control over spending. 
On XX/XX/2022 my secured card balance available was {$360.00}. I rented a vehicle the same day and was charged {$350.00}. 

On XX/XX/2022 XXXXXXXX XXXX XXXX attempted to charge my credit card {$150.00} however there was no available credit so it was declined. 

On XX/XX/2022 my available credit was {$17.00} - XXXXXXXX XXXX XXXX  was declined again. 

On XX/XX/2022 - Capital one allowed a charge of {$540.00} from XXXX XXXXXXXX XXXX  even though there was no available credit on the card. 
Now I have a balance of {$1000.00} which Capital One deliberately allowed to go over the credit limit. 

The card user agreement specifically states transactions over your secured credit limit will be declined. 

Capital One is now refusing to remove the {$540.00} charge from the credit card account. 

I need help fighting this. Capital One is totally wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The account had two pending promotional offers in XX/XX/2020. 
The promotion with the higher balance ( {$890.00} ) was set to expire in XX/XX/2020. 
The promotion with the lower balance ( {$500.00} ) is set to expire in XX/XX/2020. 
All payments made prior to XX/XX/2020 were applied to the promotion with the lower balance and later expiration date instead of the promotion expiring soonest. 
We contacted Best Buy/ Citi credit card to find out why this occurred and was told they would apply past payments to the higher balance with the sooner expiration date. 

At the end of the statement cycle in XX/XX/2020, the balance subject to interest was {$0.00}. 
At the end of the statement cycle in XX/XX/2020, the balance subject to interest reflected {$370.00}. The prior statement balance was {$570.00}. The new balance was now {$1200.00}. Interest has been applied each month starting in XX/XX/2020. 

We have contacted Best Buy/ Citi credit card on 4 separate occasions about this and there still there has not been a fair resolution. To date, only {$28.00} in interest has been credited to the account. Best Buy/ Citi credit card alleges there have been purchases that equal the {$370.00} that magically appeared on the XX/XX/2020 statement. The only purchase amounts subject to interest are a {$3.00} purchase in XX/XX/2020, {$54.00} in XX/XX/2020, and a {$40.00} balance transfer fee in XX/XX/2020. 

The balance at the end of XX/XX/2020 reflected {$940.00} and higher, grossly overstated balances have been reported to the credit bureaus over the past couple of months. 

The current balance should be well below the remaining promotional balance of {$500.00}. 

Please correct this before the next promotion balance is set to expire in XX/XX/2020.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2022-03-15
Company: EQUIFAX, INC.
State: TN
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 did not consent to or benefit from the following information XXXX, Equifax, and XXXX listed on my consumer credit report, block and remove the following Account : DEPTEDXXXX Account # XXXX, Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed excluded from from a consumer credit report, if a social security card was used in the transaction. Additionally under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section you're not supposed to include factual information and they're supposed to interview my neighbors, friends, or associates. If the accounts not removed you're civilly liable for reporting the information and it's also inaccurate.

Company response to consumer: Closed with explanation