BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: CT
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:
hello I recent went looking to purchase a vehicle and told the dealerships that I would be getting financed through my credit union so I needed a bill of sale for that purpose. They asked for my information and proceeded to tell me that the have banks that would compete with my credit union for the financing. I declined next thing I know I check my credit report and there were XXXX inquiries on my report. This is fraud I did not tell them to run my credit and I wasn't even at the dealership wen these inquiries were taken place.I went XXXX XXXX dealerships and they all did the same thing. this has to be illegal. They should not be able to do this. I called the dealerships and complained and was told that they were trying to get me a better interest rate. I told them I was no longer interested in the vehicle and I gave them all bad reviews online and also filed a report and had to lock my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting 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.

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 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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-04-17
Company: DISCOVER BANK
State: FL
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 opened a brand-new credit card and made two payments of {$50.00} before I even received a statement to have my account paid a month in advance. I made a payment of {$50.00} on XX/XX/23 and I made another payment of {$50.00} on XX/XX/23. So as of XX/XX/23 I had paid them {$100.00}. My first statement came out and wasn't due until XX/XX/23 which I owed {$77.00} which I paid on XX/XX/23. They did not apply my {$100.00} payments to the statement they applied it to their fees. So they are now telling me that I owe them {$76.00} for my XX/XX/23 statement. According to their own statements, I only owe them {$150.00} and paid them {$170.00}. I told them about this and they said they can't do anything with the {$100.00} I paid ( credit it to my XXXX statement ) because I paid them " too early '' in their billing cycle. They told me that I still owe them the {$76.00}. So now they are basically demanding that I pay them {$220.00} to get my account current. They say that it is due to their billing cycle and because I changed my due date as of XXXX. That should have no impact on my prior payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Called capital one to address my concerns about the interest they are charging me with. I cant pay the amount that they are asking for. I explained my finances to them and asked them to move my payment date. They refused to make the changes and now they add so much late fees and interest that XXXX cant catch up. XXXX a XXXX XXXX XXXX woman struggling to make ends meet. If they could just lower my payment and interest I will make a payment. But right now Im not financially capable of making a XXXX dollar payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband passed away XX/XX/2019 I was on the deed but not on the mortgage. I was in the process of a short sale with XXXX XXXX and the Mortgage Company let it go into Foreclosure the final step. After having a buyer and accepted bids. I tried calling XXXX XXXX for help but they are refusing to speak with me because I am not on the loan. That had already been taken care of with a death certificate and a copy of the deed with the mortgage company and the court. I started out with XXXX they were brutal to me and finally the went into bankruptcy and it was transferred to Shellpointe. Shellpointe will not answer my calls or return them and I am trying to get a 1 year record of all the communication we had so I can figure out why they dropped the ball with the short sale for no reason. A lot of time and effort went into it. I don't see how they can just foreclose when there was a buyer with an awesome bid almost at closing. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX I am the one that reported to all my husband passed away and XXXX took it straight into foreclosure without talking to me. Shellpointe went to court with me. The judge told them if there was a remodification or shortsale to stop the foreclosure well they didn't and nobody will talk to me but the new company trying to get me out of the house. I won't get a dime out of the house but I think things should be treated fairly and honestly. I am wondering if the XXXX XXXX loan was even legal from the beginning with XXXX it was before the market fell. I need to find out why I can't get anyone to talk to me after all this. XXXX has been working with me and so has their attorney now they won't return my calls either or take 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 2021-03-04
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing Company handles my mortgage. My mortgage payment went up from {$260.00} to {$510.00} due to that. During that time my new taxes came up for the year. It was an increase of {$72.00} wihich comes to {$6.00} extra per month. Which should bring myu new payment to {$260.00} Shellpoint placed lender hazard insurance on my mortgage. Proof of my insurance was sent twice by my HOA on XXXX and XX/XX/XXXX to Shellpoint.. Finally on XX/XX/XXXX I spoke with an employee at the mortgage company and was told they have the proof of my insurance and the lender insurance was dropped. I got a credit of {$1000.00} on my account. I asked about when the corrected payment would go out. They said they have to order an escrow analysis. I called back on XX/XX/XXXX and spoke with another employee and was told again and escrow analysis needs to be done and it would take about 3 days and my new bill would go out. 
I called back on XXXX to follow up. I was told by XXXX XXXX, the supervisor that I still needed to pay the {$510.00} for XXXX and by XXXX I would get my new payment amount. I told her I had a credit on my account since XX/XX/XXXX and why should I pay an incorrect amount because they can not come up with an adjusted amount in a timely manner.. She said I just have to pay that amount or my credit will be affected. I should not have to pay that amount and try to get a refund later. I can figure the amount myself. My taxes increased by {$72.00} and divided by 12 is {$6.00} extra per month. I sent that amount of {$260.00} to Shellpoint for XX/XX/XXXX. I made quite a few attempts over the month of XXXX to get the correct amount to make XXXX payment. They would not give it to me. So I did the figures and sent in payment for XXXX. I did NOT skip any payments. Shellpoint has been very inept in dealing with my accounts. In the past they had applied my payment to a different account and another time lost the payment in the system. It took quite a long time to clear that up. I do not want to go through that again to try to get a refund. My credit should not be in jeopardy since I made multiple attempts to clear this up and I did not skip any payents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax have not sent me my annual credit report. I've requested my credit report three times over the phone. 
This is my second compliant on this matter. All the credit reporting agencies sent the report after compliant was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, on XX/XX/XXXX, I was charged a late fee on my account. I really am going through a rough patch. My partner  lost both her jobs, I am financially supporting here right now. I also lost one of my main income sources. I contacted the bank this morning to discuss having it refunded. They were unable to due so. I simply do not agree with charging me a late fee during this unprecdented time. Is there any way we can have this fee absolved? Thanks for your consideration.

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 2023-04-17
Company: Klarna AB
State: OH
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:
In XX/XX/XXXX I received a duplicate charge to my XXXX card for initial payment in a 4-part installment plan for a ticket purchased from XXXX. I've contacted both XXXX and Klarna for 10 days and neither company will take responsibility for the duplicate charge. I've sent confirmation from XXXX that the duplicate charge was voided but Klarna continues to threaten to charge my card and says XXXX is the only party who can resolve this. Klarna has told me to stop contacting them unless there is new information. Duplicate charge : XXXX or XXXX Valid charge : XXXX or XXXX I've disputed the duplicate charge with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: DISCOVER BANK
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 have a dispute currently, that I could barley submit with discover because of such a difficult time with the methods that they prescribed and the lack of availability of said methods to effectively communicate to them. After I was finally able, by other means, to notify them in writing because the phone conversations went nowhere and false and inaccurate information was provided to me on numerous occasions. The attached files are evidence to show that they falsely claimed to have resolved the issue even though they have yet to even respond to the dispute via the CFPB portal. I did receive mail, see attached, yesterday XX/XX/XXXX the letter was dated XX/XX/XXXX about how they are required to report accurate information to the cra 's and they must report as disputed unless I advise them to remove the dispute status. However, its clear there has been no resolution, in spite of what is reporting on only the XXXX report. The other agencies make no mention of any dispute at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: EQUIFAX, INC.
State: TN
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:
EQUIFAX has NOT provided me with ANY INVESTIGATION RESULT regarding complaint ID XXXX of XX/XX/2022. It is now over 30 days and I still DO NOT KNOW what their investigation result is. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it has 30 days to investigate disputes. If it can not verify the information within the 30 day time period, it must delete all of the disputed accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I paid my XXXX XXXX account in full. This account was from an old lease which I paid on time throughout the duration of my lease. I was taken advantage of by the dealership into getting a lease with mileage protection knowing I would be going over my lease miles. I was then charged {$2400.00} for mileage. I felt I was taken advantage of by unethical sales practices. I did not want to pay this for that reason. I am self employed and this transaction on my credit began to hurt myself and business. I decided to pay this account in full to better my credit. I made a payment over the phone with a representative and was told my account would be updated within 30 days. Since then XXXX XXXX has continuously reported on my credit incorrectly. Every representative tells me my account has been paid in full and it will properly be reflected however after each communication and dispute they either say on my credit report I settled and paid for less or that I owe {$10.00}. This is inaccurate as my account was paid in full. Account is under my maiden name, 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 2022-12-21
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
in XXXXXXXX XXXX XXXX I was put in collections for a utilities bill of {$100.00} from XXXX XXXX in XXXX Tx. This was not from my house nor from my city. I called the agency and spoke to them about the fraud they asked me to make a police report and after talking with XXXX it was taken off of my credit report. now months later another collection agency mercantile adjustment bureau is claiming I owe the same amount {$100.00} from XXXX XXXX in XXXX Tx. the police case number is XXXX and I spoke with XXXX again and they said they would dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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.

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 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 2023-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had inadvertently pre-paid outstanding credit card loan in the month of XX/XX/XXXX, however the term would be expiring in XX/XX/XXXX, the amount is considerable. When I realized this error I immediately contacted Bank of America and the associate assured me that it will be credited in the next statement cycle i.e. in XX/XX/XXXX. When this did not happen I again contacted and was assured that by XXXX XXXX, it will be credited. Today I find it has not been done. 
The last associate today i.e. XX/XX/XXXX advised me that " bank is investigating ' in this matter and can not tell me when it will be refunded, that I was misinformed by the previous associate over phone! Sir, they have to ascertain if amount was debited from my checking and credited to respective credit card account and then make good the whole process. I repeatedly told this and asked what is the 'investigation. ' He did not say anything. The fact is bank is sitting over not only my money but on millions belonging to people like me. If I fail to pay bill late even by one day, the system charges {$35.00} and only one transaction during 18 months ( previously it was 12 months ) could be refunded. Whereas these people are shamelessly not paying my money. The banks have become modern day shylocks and we can neither protect our blood or flesh. This is most unfortunate for an average American citizen who has to bear the evil! The reference number given to me is XXXX. Please help me. Kindly also ascertain if such delaying methods are justified morally, socially and legally-although I am aware the word 'morality ' does not apply to banking, it is a policy not a virtue subject to fine prints! Thank you..there is someone to hear in wilderness..

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 2023-01-17
Company: Professional Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You are in violation of 15 U.S. Code 1692g - Validation of debts and under the National Consumer Assistance Plan ( NCAP ) mandated that on XX/XX/XXXX of 2023 effective date that all medical debts equal to or less than the amount of {$500.00} is to be removed from any and all credit reporting agencys. Im protected under this law made in affect by the XXXX administration that was put in place to protected classes as myself and this company is not in compliance to this law.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally requesting this letter to update the following account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, please see documents attached for more details. I hope you can help 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 non-monetary relief