BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: DISCOVER BANK
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I paid off my full credit card balance of {$6800.00} on XX/XX/2023. After the payment was cleared, I then called Discover to close my credit card on XX/XX/2023. The Discover agent closed my credit card and let me know there were no charges left on my credit card. Without any sort of communication, Discover charged an interest charge of {$25.00} on XX/XX/2023, XXXX business days after my credit card was closed. Discover never sent me any sort of communication or email stating the new balance was due. Two months went by and Discover then charges me a late payment and then reported the unauthorized late payment to my credit bureaus. My credit score has now decreased from XXXX to low XXXX 's because of Discover 's failures. I have reached out to Discover multiple times and Discover agents are unwilling to reverse their credit reporting error. My last attempt on communication was to Discover on XX/XX/2023, XXXX business days ago and Discover has not responded as they said they would. Please help to look into Discover 's fraudulent behaviors and help to reverse their credit reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXXXXXX 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 Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX MTG XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 USC 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 2023-10-16
Company: Advance America, Cash Advance Centers, Inc.
State: SC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company denied me my credit around XX/XX/2023. I don't care what the reasons are because that is grounds for discrimination from the Equal Credit Opportunity Act. I have a right to my credit, withholding my access it's security fraud, your violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since you are denying my credit. Please retract my application. I mentioned this to this company several times they have still not resolved this information. XXXX XXXX in fact for the all caps name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts and they have already been removed on the other bureaus. please remove them immediately.

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 2017-09-16
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
If these advocacy would just get out of my way I could pay but they keep putting their nose in the way, us bank that is ... It dose feel like being XXXX in both feet.. 
This is the only way they listen to any thing..

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 2021-09-22
Company: Rocket Mortgage, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage for my primary residence at XXXX XXXX XXXX XXXX, XXXX, NM XXXX, with Rocket Mortgage. XXXX XXXX from Rocket Mortgage called in late XXXX and offered me an opportunity to lower my mortgage payment by changing the loan term from 15 years to 30 years. Me and my wife have a high credit rating and stable jobs but lowering our financial burden is desirable at this time. So we went along and made some financial plans anticipating a lower house mortgage payment in near future. We really thought it will be a quick process since we already have mortgage on the house with them. We completed the application, provided needed information and documents, consented to pay all their fees for the loan refinancing. Later we were told that appraisal was a bottleneck and if we stick around she will get it done. In XXXX XXXX told me to stay patient that she will get it done and that Rocket Mortgage has never turned down a loan because of appraisal. In early XXXX she told me not to go with another mortgage company. She said Rocket Mortgage is willing to pay for the appraisal fee {$600.00} if we wait for another couple of weeks. She said she was pressing on the Appraisal Team in their office to expedite it. In the middle of XXXX I received a call from someone in the Rocket Mortgage office who said that they do not keep applications open more than 60 days. It is company policy to withdraw an application which we can not process within 60 days. " I am sorry. Please find some local mortgage company '' I thought it was unfair and deceptive process. I believe they should not be charging me so much in refinancing costs or asking for an appraisal when they already service my loan for over XXXX years and I have paid off almost half of my principal amount. Why would they even need an appraisal when they already service the loan. 
XXXX refused to talk to me or called back to explain or offer a path forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to a car dealership to apply for a vehicle and they stated they would only be allowing one bank to pull my credit report. However there were over XXXX hard inquiries. Some from the same bank twice or three and four times. Such as : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2020-09-16
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have Sequium them that I do not owe this debt and to not call me any more and they continue to call me several times throughout the day. 

I block the number and they continue to call me from different numbers. 

I want the harassment to cease

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U, S.C. 5 1681i, every single one even each or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : ( dispute item and explanation ) I am demanding that these accounts be deleted. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. I await your reply with the above-requested proof. Upon receiving it, I will correspond back with you by email or directly from dispute centers.

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 2020-02-27
Company: U.S. BANCORP
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently purchased a new vehicle. Unfortunately, my loan is through US Bank. I will be applying an extra {$170.00} to each monthly payment which totals {$1000.00} ; subsequently, paying off the vehicle earlier. I have only had two payments so far and both times the US Bank employee apparently can not figure out how to correctly apply my payment. This month it was applied as {$1000.00} making my XX/XX/2020 payment {$650.00} ( which is incorrect ). All they did was apply my extra ( principal amount ) and decreased my next monthly payment. How hard can this be to complete properly? I asked a representative to please add a note on my account so my loan be processed correctly. The representative even admitted to me the employee who entered the payment is just entering the amount in How they want. Can you help assist me with this matter so it isnt a long 6 years? Thanks.

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 2023-10-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
We paid off a commercial mortgage and received a letter from Wells Fargo dated XX/XX/XXXXXXXX  to contact our private banker if we would like coopy of the recorded release. We did so and tried on numerous occasions to get a copy sent to no avail. We tried again on XX/XX/XXXX and spoke to XXXX in the wealth management department and she said this is for personal mortgages. She switched us to XXXX XXXX in the mortgage services department. She was not able to help and she switched us to XXXX in the commercial mortgage department. Guess what ... ..she couldn't helpand she switched us to XXXX in XXXXhe small business premier department. You guessed it ... .she couldn't help and she switched us to XXXX in the home equity department. She couldn't help and I told her unfortunately I am left with no choice but to file a complaint in order to get a copy of the recorded release. Thanks for your help!

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 2023-06-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My Credit File was infested with inaccurate and fraudulent accounts and information being reported without ny authority nor knowledge. I am submitting this Complaint to reqest that the Credit Reporting Agencies remove the disputed accounts and information off of my Credit file, in accordance with the Fair Credit reporting act section 605b. Any and all fraudulent items should be rmeoved from my Credit file. Please remove the following items off of my Credit file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 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 XXXXXXXX Balance : {$0.00} XXXX BANK XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. These items have no rights to be reported on my Credit File, and I need the Credit Reporting Agencies to remove these items as efficient as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSWORLD SYSTEMS INC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 2 previous complaints about this company harassing me.

They still will not stop. I contacted an attorney and sent them a cease and desist letter. Im in the process of filing a lawsuit.

It started with emails. I was receiving emails for an account that was not mine. I emailed them back, I filed a complaint here. Im filing the complaint here the company received my phone number and address and have been harassing me and any people who come to my home since. I filed another complaint about this expecting it to stop, it has not. On XX/XX/2023 and agent attempting to serve court papers to a person whom does not live at my address beat on my door so hard that it broke the hinges. My home has become terrifying for me to live in, with the constant threats and harassment. This company will not stop harassment of THE WRONG PERSON. I am now asking for XXXX XXXX as compensation for emotional distress, damage of personal property, defamation of character invasion on privacy, loss of sleep and income. Making my home unsafe for me to occupy as I can no longer lock my dead bolt as they broke my door. Emotional distress and an hourly wage for trying to resolve this, trespassing and refusal to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I made a purchase at XXXX XXXX of Jewelry on XX/XX/XXXX. I elected to finance the purchase using their 12-month, no interest financing option. I was later sent a credit card and received information regarding my new account from Comenity Bank, who handles financing for XXXX. My balance was split into 12 semi-equal payments which were due by the XXXX of each month. I made all 12 payments for the amounts shown and by the due date I was given, with the final payment being on XX/XX/XXXX. After the final payment was made, I received a statement showing I had been charged {$350.00} accrued interest for failing to pay off the balance before the deadline. I then wrote a message to Comenity through their website to find out why I was being charged the interest since I had made all 12 payments as agreed. A representative wrote back saying the promotion actually expires 12 months from the date of purchase, not on the due date. I then called to get further explanation and was told that the billing cycle pushed the final payment due date past the promotional date and there was nothing they could do about the interest charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: NV
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

Here are the accounts mentioned above : XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$350.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$8200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2023-06-22
Company: EQUIFAX, INC.
State: OH
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 is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Spring Oaks Capital, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with fair credit reportind act ... The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under.15 U SC 1681 XXXX XXXX # XXXX, has violated my right..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 state a consumer reporting agency can not furnish a account without my written instruction Thus this i highly injurious... ..Delete these account immediately unless you wany to be held 1,000 per volation ... ..spring oaks capitial llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also my spending is not XXXX the balance of my XXXX is wrong

Company response to consumer: Closed with explanation