BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is a bankruptcy reporting on my account that I did not authorize or give permission to the credit bureau to report. I nor any of my friends or family were interviewed to verify this information. I have contacted the bureaus to validate how they obtained this information. I was not provided any documents that I signed, nor proven to give consent in any other way. XXXX has removed the bankruptcy from my credit report. The account shows up as XXXX  XXXX Bankruptcy : {$0.00} Bankruptcy Discharged XX/XX/2019 Reference number XXXX Date file XX/XX/2019 2019

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 2018-12-03
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/XXXX, I filed a dispute for an ATM Withdrawal where funds requested were not dispensed which occured on XX/XX/2018 for {$320.00}. After initially filing the dispute with NetSpend Customer Service, my prepaid card accounts held with NetSpend were closed on XX/XX/XXXX and I am not allowed to open anymore accounts with them, despite having been a customer in good standing for years and never having filed a dispute in the past. 

This decision was made immediately preceding the filing of my ATM Dispute. I feel that NetSpend has purposefully closed my accounts and want to ensure that my dispute is handled appropriately. I am asking this dispute to be further investigated to ensirr. Compliance with FCRA Regulations, including Regulation E for which I have also submitted then attached ATM Dispute Notification Form in Writing.

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 2020-04-21
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY HAS A COLLCETION ON MY CREDIT REPORT THAT I DONT KNW ABOUT OR OWE I DONT HAVE CONTRACT WITH THEM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: MA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account number : XXXX, XXXX  XXXX XXXX XXXX. Account number : XXXX XXXX XXXX XXXX XXXX. Account number : XXXX XXXX XXXX XXXX Account number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: CA
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:
For months of XXXX XXXX and XXXX the mortgage company said that I was late on payments but, I have sent proof and complaints dozens of times proving that I had never missed a payment.

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 2022-05-03
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:
In accordance with the Fair Credit Reporting act Amerassist account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX CT TN XXXX account # XXXX, XXXX XXXX Bank account # XXXX, XXXX account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, and XXXX XXXX XXXXXXXX account XXXX XXXX have 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 2018-06-05
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I moved in to XXXX XXXX XXXX XXXX XXXX located in XXXX tx XXXX on XX/XX/XXXX my lease was from then until XX/XX/XXXX.. I sent my 60 day notice via email which is required in the lease although it isnt stated how it should be received just a written notice. I vacated and left the apartment spotless which I have pictures to prove.. I have the manager XXXX my forwarding address to which I got a letter 3 months later in XX/XX/XXXX stating I owed over XXXX in debt because I didnt give a notice and they charged me a reletting fee and also some other minor charges.. I have tried several times to resolve the matter by sending proof of harassment previously experienced by XXXX and also pictures and proof of my 60 day notice with a response of my rental ledger but all to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Experian Information Solutions Inc.
State: DC
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:
Upon viewing the result of my dispute on my credit report I notice in the public records sections its states that there a files listed but when I goes to dispute this it in the dispute center it states no public record in file. Also they still reporting inaccurate information from XXXX as in Collection as to date but when I contacted XXXX they indicated they have not reported since XX/XX/2014 2014

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 2019-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
DEPOSITED Life Ins proceeds check from XXXX XXXX XXXX. COMPANY- thru atm XX/XX/XXXX. MY MOTHER DIED. No immediate credit of {$300.00}. XXXX FUNDS avail and then a 10+ day HOLD PLACED ON THE CHECK drawn on XXXX  XXXX. AGAIN LIFE INS PROCEED CHECK - my mother XXXX XXXX - passed away. I went into the branch XX/XX/XXXX, MGR at XXXX, stated next time bring the check inside and we can review/override the hold for you. I would but this branch has gone to skeleton staff, no drivethru service- are they closing this one too? I closed my mother 's acct XXXX XXXX while I was in the branch and provided death certificate as well. I also deposited XX/XX/XXXX {$4300.00} other insurance check from XXXX XXXX and had no issue. I also have Multiple accounts with BOA, retired from BOA, and have done business with since XXXX. I called Sat, spoke to XXXX and her supv XXXX ( XXXX ) XXXX in XXXX XXXXgot now where and no explanation for the EXTENDED HOLD TIME. ( both reps just DIDNT seem to CARE ). I was told call back Tues when we have image of the ch uploaded. I called again the morning and spoke to multiple reps again. XXXX in AZ and some female, neither would give me reason for hold stated confidential? I AM THE CUSTOMER AND HAVE RIGHT TO KNOW WHY MY CHECK IS BEING HELD!!!! THIS IS NOT A GAME>>> REP. Hinted at everything from fraudulent check, to oh it may be returned by the company? Reminded them this is a reputable Company XXXX XXXXXXXX XXXX . Refused to remove hold and major issue REFUSED TO TELL ME WHY THE HOLD WAS THERE. I DEFINATELY believe they are USING CURTOMERS FUNDS FOR OTHER PURPOSES- HOLDING OUR MONEY FOR THEIR GAIN. I offered to send letter from Insurance proceed ck etc. DIDNT CARE and offered not help at all.

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 2017-07-25
Company: Experian Information Solutions Inc.
State: CO
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:
YOUR COMPLAINT : First off I am not a CREDIT REPAIR COMPANY. But I am a very smart individual that has done my home work, so I am DEMANDING that you stop trying to use stall tactics in order to simply not remove something from my credit report that you know is wrong and that you can not verify. You are hereby put on notice that anymore incorrect information seen on my credit report that does not meet the standards of section 609 of the FCRA will be dealt with in a court of law, which is something you are very familiar with. Experian and XXXX has XXXX items on my credit report that do not belong on there. 1. XXXX XXXX Was never late and that account does not even exist anymore. They have even said in the statement they can not verify it but they keep reporting it as paid late. The account was never late, it was never defaulted on. Make them remove this immediately, it is past the 7 years that it is supposed to be reporting anyway. I find it FUNNY that XXXX was reporting this same thing and they removed the item because they could not verify it. If they can not verify it, because XXXX XXXX is not communicating with them, I find it hard to believe that you Experian and XXXX have had any luck communicating with them. You simply are not doing your job and you are violating the law. I will continue to file complaint after complaint until you fix this error and remove it from my credit report. You are hereby put on notice that I am tired of dealing with this and the next step is a legal lawsuit to take you to court and make you show proof that what you are reporting is correct. ****SEE THE ATTACHMENT SHOWING XXXX DELETION**** 2. Experian On my XXXX XXXX they have a negative comment that I had disputed this account with them, why it has never been late and always paid on time. Remove this comment immediately. It is apparent they are trying to hurt me financially.

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 2022-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
After having my phone stolen in XX/XX/XXXX, I notified my credit card company and asked that the card be suspended which they did. I was told at the time by a credit card company representative that I could subsequently reinstate the card when I was ready. I was not informed at the time that there would be a time limit within which I would need to take that step. 

When I went on line today ( XX/XX/XXXX ) to pay the balance of a different credit card that I have with the same company I saw that the suspended card account had been closed. I was carrying no balance on the card and there were no unpaid charges on the card. 

When the suspended card account was permanently closed, the credit card company, Capital One, eliminated the XXXX membership points I had associated with the card. I value these points at over {$1000.00} when used to pay for purchases or transferred to membership point partners. 

In discussing the issue with a Capital One representative today, after the account had been permanently closed, I was told that the company had notified me of their intent to close the account. I did not receive this notification prior to the permanent closing of the account and was only able to find the original communication subsequently. 

Of note, the original communication was not in the text of an email. Rather it required me to go to a website link in order to view the document. I have been avoiding these type of links since the original fraud incident due to my concerns about unauthorized access attempts on my email and other accounts. For this reason I did not receive the notification prior to discovering that the account had been permanently closed. 

At no time prior to the closing of my account and elimination of my points did I confirm to Capital One that I was aware of, or consented to, their intent to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I complained about Ocwen Servicing harassing phone calls. Once I submitted a claim with the Attorney they began Foreclosure proceedings on my home. I believe I should be protected under the Whistleblowers Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Factor Trust
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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: AES/PHEAA
State: MO
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:
Since XX/XX/XXXX, I have disputed the inaccuracy of my payment history ( XX/XX/XXXX ) for all eleven of my federal student loans to the credit reporting agencies ; XXXX and XXXX ( XXXX has followed FCRA laws and updated my account information ). my dispute investigations keep resulting in verified account information. This ca n't be accurate and I am questioning the validity of the verified account information because I have documentation that illustrates I was granted a forbearance period for my federal student loans for the period of XX/XX/XXXX-XX/XX/XXXX in which XXXX has it reporting a 90-120 day late payment status. If my accounts were n't current during that period, I wouldn't/could n't have been granted a forbearance period.This information is not correct and per the FCRA [ section 623 ( a ) ( 2 ) ] ANY updated account information must be reflected on the credit report. It is also the Credit Reporting agencies responsibility to ensure that all credit reports are 100 % accurate, in which my accounts are not. A Forbearance period marks your monthly payments as current while you are not paying on your loans and mines are n't reflecting that. I ca n't have late/missed payments and be on forbearance simultaneously. My forbearance grant should be updated and reflected on my credit report. I spoke with a Federal loan servicing rep by the name of XXXX ( ID number XXXX-information in attachment ) at XXXX Eastern time on XX/XX/XXXX and she informed me that the dispute process was a 60 day process and that my dispute was still under progress ( would be completed at the beginning of XX/XX/XXXX ). She also stated that once the dispute process was complete the disputed information would be corrected, updated, and reflected on my credit report. I have attached documentation that illustrates that I was granted a general forbearance period for the time frame that XXXX and XXXX is reporting missed payments. This hassle of back and forth with the credit reporting agency and Fed Loan has caused tremendous financial suffering due to no fault of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Grain Technology, Inc.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my XXXX consumer report and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX ( XXXX ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
TRANSUNION is in violation of consumer laws. 
Please see attached documents to meet demands in a timely manner

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 2019-12-31
Company: World Acceptance Corporation
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Today at XXXX i received at call from XXXX at XXXX XXXX in XXXX XXXX she asked for my full name and i never authoized for them to call work on contract. She told me if don't make payment today then she will have to go legal on me if i didn't come in office, So i'm requesting the loan be paid off and company get Fined )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to lift a one time credit release on my credit report and the company 's system is generating questions from previous accounts on my credit and the amounts that were paid on them. I tried to explain to them that no one can remember exact amounts for payments from years ago with no avail. HAVE SPOKEN TO SUPERVISOR THAT THEY INDICATE THEY CAN NOT AND DO N OT HAVE NAY OYTHER MEANS TO VERIFY MY IDENTITY OTHER THAT ASKING QUESTIONS GENERATED BY THE SYSTEM THAT DO NOT MAKE ANY SENSE.I need to release me credit report and have gotten stuck and it is causing me thousands of dollars in damages due to their idiotic procedures. Need HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: National Credit Systems,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: Information belongs to someone else

Complaint:
National Credit System for XXXX XXXX in XXXX Texas shows that I was living there with mother XXXX XXXX and I did move to XXXX Tx until XX/XX/XXXX. I sent XXXX, XXXX, and XXXX this info i have regarding me not being in Texas until XX/XX/XXXX. I have my job offer letter from XXXX that I was starting in XX/XX/XXXX so there was so way I could have been there. And still XXXX  won't remove this with all the info that was given and is messing up my credit badly I never signed no paperwork or anythign for my name to be on the apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to reach citi involving my Citi Simplicity Card, as they sent me a letter in the mail and here on the CFPB website. 

Today is XX/XX/2020, and they finally answered their phones at the Citi Recovery Department, but the internal department said they did NOT have a copy of the letter that XXXX XXXX sent to me. The case number is # XXXX and his letter is dated XXXX XXXX. The agent told me that they couldn't work out a repayment plan with me, and didn't have a copy of the letter. 

My Citi Simplicity account number is XXXX. I was ready to pay my two amounts that XXXX XXXX stated in his letter, but they couldn't do it the agent said on the phone. I'm not understanding, as XXXX XXXX even said, that the representative didn't inform me, that my account was being charged. He gave me a phone number to call which I was finally able to get through too, as they had closed temporally because of the Corona Virus. 

I want to make my payments, and have a payment plan going forward. I need to know who to exactly contact regarding this matter, even if it's via email XXXX, my address, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX WA XXXX. My phone number is XXXX. 

Please get in contact with me.

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