BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-29
Company: Applied Data Finance, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Due to the pandemic, I have been making budgets to ensure on-time payments for my bills. On XX/XX/2020 @ approx. XXXX XXXX, after reviewing my Personify Financial bill, I contacted the company. I was disturbed because when I reviewed my statement on line, I discovered that after 12 months of paying this bill, I still owed more than I borrowed. 
I thought it was a mistake so I contacted Personify Financial at XXXX XXXX XXXX XXXX. My account number is : XXXX. I have attached my Loan Details page, Payment History Page ( 2 pgs. ), and Original Amortization Schedule. ( 4 pgs. ) I was informed by a young man with an accent that the call was being recorded ; so I'm sure they will have a record of the call that was made. I inquired about why the loan was still reflecting more than I borrowed, he responded that my interest rate was 99.5 %. Of course I was shocked, I accept this error because I did not know until today. I then informed him that according to the loan details the int. rate was 97.47 % ( still borderline XXXX  ) He then informed me that int. rates were reduced based on payment history. I asked him who I could talk with to have the int. rate reduced, he told me that my contract would not allow the int. rate to be reduced, after previously telling me there was a way to have the interest reduced. When I inquired again for an explanation as to who to contact to negotiate a reduction in the interest rate, our call was disconnected. Please be advised, my account is in excellent standing, no missed payments and I have no intention of missing payments. This ( not knowing the interest rate ) is a big mistake I made, not paying attention to detail. If possible, can CFBP inquire on how I would negotiate with the company for my interest rate to be reduced. If this is not possible, I would also like for others to know to please read the terms of online loans especially with Personify Financial ; before agreeing to them. When signing for this loan, I did not realize the interest rates were almost criminal extortion or I would not have taken the loan. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Monday, XX/XX/2021 RE : INCOMPLETE, MISLEADING & UNVERIFIABLE FOR XXXX XXXX # XXXX DEAR XXXX XXXX XXXX XXXX ; I was going through my motorcycle XXXX XXXX XXXX and noticed that there are multiple inaccuracies on the way this account is reporting. I been trying to get to the bottom of this for the last 3-5 months, but it continues to report wrong, incomplete, misleading, inaccurate information. How come each credit bureaus are reporting 3 different dates that I was late ; for example one is saying that I was late one month but the others saying that I was OK how? This is erroneousness and inaccurate, and incomplete data.

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 2021-09-07
Company: CITIBANK, N.A.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had a Costco Club Visa card for years. I spent most of XXXX in the hospital for many serious medical issues. All of a suddenly Costco Citi Visa card was declined when I tried to use it for a regular online service at a regular website. Their weak answer was : XXXX.You were over your credit limit all of a sudden. 

I am not a math major but if my little puny credit limit is $ XXXX why is my bill only $ XXXX. Their math is fuzzy. I even paid my bill that wasn't due for over {$1000.00} until next month and they don't give me credit for this. They won't until the future date it is due... .and still my bill was not over my credit limit..notice?. 

I make {$84000.00} annually with combined XXXX and XXXX XXXX  and I just turned XXXXUntil recently I have had nothing but problems trying to make my payments over the phone. The overall credit card company industry needs reform to streamline it to simple rather than complex as it is now., Long winded annoying and they seem to want you to hang up rather than pay your bill or report your card lost or stolen lately. Why I have no idea. You sometimes have to wait minutes before getting to the option to pay your bill rather than simple terms... last statement balance, current balance, or a different amount. Simple but they refuse to do this. You have to write down the amounts they offer in advance of making a payment. Terrible!!! 

This Citi card and others are not user friendly anymore. I am not XXXX my hard earned money on expensive postage stamps. I want these companies to be called on to refine their phone payment options and allow easy link to resetting passwords when you forget them not force you to XXXX contact a XXXX female customer service rep trying to speak English I can't understand and hang up on me when I ask for someone who speaks English I can understand. 

Not all of this pertains to Citi Visa Costco membership club card. My issue with them is my credit limit is insultingly puny compared to other credit cards I have and they declined my use of it when I was not over my credit limit of over $ 2000+ when my bill for next month was just over {$1000.00} ... can't be so. This morning alone I spent over XXXX hour and XXXX minutes getting nowhere and transferred to everyone there. 

Thanks, 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 2021-02-13
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I WAS LATE ON MY MORTGAGE PAYMENT BECUASE IBECOME UNEMPLOYED THAT WAS XX/XX/2019 I WAS STRUGING WITH XXXX KIDS THAN PANDAMIC HAPPEN I DID CALL THE MORTGAGE COMPNY AND TOLD THEM I AM UNEMPLOYED i can not make payment they told me i could go on forbearance plan for 6 months i agreed so i check my credit report i saw negative info from my mortgage company i called them and they told me that i should be told by the person that called me the first time to put me on forbearance plan that it will show negative info on my credit report but she did not tell me that AT THE BEGAING THEY TOLD ME to bring the payments current than it will report to credit bureau i am not late i told them it is too late now please fix my credit so i sold my car to pay the payments and to bring the account to current i di pay and nothing happen i check the bureau again more negative info i called again they to me because it took me to pay around 1 month i have to catch up again i have no more money no income if i had the money i would not be on FORBEARNCE PLAN FOR XXXX SAKE they to me to write a letter to them i did NO RESULT PLEASE HELP ME IF I COULD FIX MY CREDIT I COLD REFINANCE THE HOUSE THE THE MORTGAGE PAYMENTS WOULD LESS

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 2021-09-07
Company: EQUIFAX, INC.
State: OH
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:
the credit bureaus have been directly ignoring my letters and mail and even phone calls for months. I talked to each credit bureau with promises of fixing my issues and still they hane n't done their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NJ
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 LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NJ
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 and XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Upgrade, Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
After submitting all pertinent documentation i returned a call, asked for XXXX, but spoke to a woman that said she could help me. She told me I was missing schedule C for 2019. I explained to the woman that I was a XXXX  employee in 2019, and that a schedule C for that year would not exist. She said ok and that my application was under review. 

I continued to receive emails saying I was missing documentation. Two times i emailed customer service again explaining the documentation was submitted and each time received a response saying my application was under review.

Next day I received yet another call requesting Schedule C for 2019. I've repeatedly stated that 2019 I was a XXXX  employee, and that I would not have a schedule C for that year. 

XXXX was persistent that I should have a schedule C for 2019, even after I repeated multiple times that document would not apply for 2019 because I worked as a XXXX employee. 

There seems to be some serious confusion on your companies part on what documents pertain to who. XXXX stated a XXXX is for an independent XXXX. That is absolutely incorrect! I worked as a Human Resource and payroll XXXX for nearly 20 years, so I know a little something about payroll and tax forms. 

XXXX is for an employee that works for an employer who deducts their taxes through payroll. 

XXXX is for an independent XXXX *Schedule C is only required for 1099 independent contractors OR/AND sole proprietors of a company It is beyond unprofessional and ridiculous that a company processing loans is not knowledgeable on these basics that are so crucial to the work you do. I can't imagine how many people have been denied a loan through your company for not being able to produce documents that shouldn't exist to begin with. Like you intentionally ask for forms that shouldn't exist to be able to deny a loan. 

I've never experienced this with a loan and find it ridiculous. I have reported this to XXXX  and other mediums as unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XXXX I sent certified letters to the credit bureaus regarding the inaccurate and unverifiable items on my credit reports. To this day, over 35 days ago I still haven't received a response. This has caused me great stress because I've been denied credit due to all of these bogus items on my report. My report showed multiple wrong names, addresses and unknown accounts. The Fair Credit Reporting Act Section 611 ( a ), plainly states, that a consumer reporting agencies shall provide written notice to a consumer of the results of a investigation no later than 5 business days after completion of the investigation and that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. I demand that these inaccurate and bogus items be removed immediately. It has been over 35 days so my next step will be to file for litigation due to the stress I've been caused. My information was also impacted by the XXXX  data breach and someone may have gotten my information.

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 2021-12-05
Company: Atlanticus Services Corporation
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I tried to change my username but there is not an option to do that. There are 2 sources of security when it comes to accessing an online banking platform. The username and the password. If your username is on the dark web or has been used to hack into other credit card accounts ( as mine has ) than now your security level has been diminished by 50 % if you are unable to change your username. I then asked to have my online account deleted and was told that was not possible. How is it not possible to deactivate a consumers account? I find this unbelievable and also unsafe. The end result was that I had to close my account to protect my personal information. Because I have closed my account my credit score will be negatively effected. The reporting agency algorithms will read the closed account as negative as though I did it because i couldn't pay my bills. This company should not be allowed to offer online access if they can not provide a secure environment for their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: IL
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 have submitted information regarding my identity theft, Ive also request a block on my credit report XXXX have refused to do it. I also disputed fraudulent accounts on my report and if they came back as verified I ask for them to send the information they use to verify that it is accurate they also have not done that. Im asking for them to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2020 I am on a process of appealing to Webster Bank of Connecticut decision on denying once again my applications for a mortgage modification do to a hardship we have been going through. Also all the high interest I have been paying to Webster bank in the past 15 years no leaving me an opportunity to make any repair or investment on the house we are paying for. In the past year I was able to get approved to get a finance to install new windows in the house but with high interest rates, but I had not other options but doing that because in the winter is very difficult to support with drifting windows. The house need a lot work on siding/ insulation / plumbing/ electrical/ deck repair and soon roof cause the house is ready 24 years old. But is difficult to come up with any money to do all this repairs when I am paying high interest to webster bank that is making hard on me to keep this house. The House was appraised on today 's market for {$290.00} and I owe today XXXX not including what they added as 2nd outstanding principal they are claiming when I was told by an attorney 's office to stop making payments to force Webster bank to do the modifications for me. If I keep paying Webster bank this mortgage as it's today at the end this house will cost me at least {$800.00}, so far in 15  years I have paid Webster bank over {$170.00} in interest only. No bank want to give way an income of interest only of {$11.00} a year. I almost lost this house on a foreclosure about 7 years ago but with some help from our state senator, Webster bank give me the same mortgage for 40 years including the 2nd outstanding principal calling this a modification. In XX/XX/2020 I filled an application requesting a new modification to get me out of this mortgage in to a new 30 year fixed rate and make the payments affordable to give me a chance to safe some money to reinvest on the house that's in need but once again I was denied this opportunity stating that I can afford the payments and interest that they don't want to loose. I have not choice in also appealing to you as my last option to try to get some help on this matter that is ready a 15 years old battle. Attached I am including statements and documentation from the past and this year application and the last appeal I have filed with Webster bank in XX/XX/2020. This is a bad mortgage.

Happy new Year.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Every month I file the same complaint, Then each month Chase lies and says they stopped all communication with me. Then each month chase sends me more emails. They closed my account because I am XXXX and the ongoing emails only remind me of the bigotry I faced from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX Account # 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 instructions.

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 2022-08-18
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a letter from convergent XXXX to collect a debt from XXXX for XXXX USD. I contacted XXXX as soon as I received their invoice and told them that this was an error. I spent a total of 1hr 30 minutes on the line with them the first time to be told that they agree that this is an error but for some issues with their system they can not clear the amount. They assured me that they would put notes in the account and that this was resolved from their side only for me to receive letters from this debt collection agency. The call I refer too was made on the XXXX of XX/XX/2022. I called them again after receiving this letter but could not complete the conversation after 30 minutes as the lines got disconnected as they usually do when they do not wan to solve these problems. 

Background I transferred 3 out of 4 lines from XXXX to another service provider in XXXX this year and paid them an amount XXXX XXXX which was outstanding and for contract closure. 3 of these 4 lines were ported to a new service provider and the 4th was to be cancelled. Due to an error on their part they suspended the 4 line instead of cancelling it and kept billing me for that 1 line. I have clarified this with them a few times and they have also agreed to this assuring me that the account notes will take care of this issue because their system can not. 

I do not owe them any money and should be compensated for spending my valuable time on resolving this ( 2-3 hrs. so far ) because of the threat of getting my credit score impacted.

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 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This company had inquiries on my report as a result of identity theft. They deleted these inquiries after receiving my FTC report. Prior to this matter this impaired my creditworthiness, which caused XXXX. Their action of deleting inaccurate reporting on my credit report is admission of liability. This company has a grave responsibility to report accurate information on a consumers report, which they have not done so.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: FL
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 XXXX  Account #, XXXX XXXX and XXXX XXXX # XXXX 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 instructions. 


XXXX According to the agreement, it was XXXX I made the following payments of XXXX which were to be on the XXXX of each month. 

XX/XX/2020 check # XXXX I made a payment of {$1000.00} XX/XX/2020 check # XXXX {$340.00} XX/XX/2020 check # XXXX {$340.00} XX/XX/2020 check # XXXX {$400.00} TOTAL PAYMENTS {$2000.00} PAYMENTS WERE RECEIVED UNTIL XXXX XXXX WERE PENDING, They stopped with the payments by covid XXXX emergency.

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