BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: PA
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:
After reviewing my credit report I noticed I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on a payment. This account XXXX account number XXXX PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate XXXX states I was late XXXX however Equifax and XXXX states XXXX was never late. This is a violation of the Fair Credit Reporting Act. 15.US Code 1681e- Compliance for Accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Have had citi bank Costco co branded card for several years, always paying off the full balance. I get a pop-up in the payment app saying that since I had been a good customer I was getting a special rate of 3.99 % till XX/XX/2024. I think sure why not. The thing they didn't make clear is that the " special rate '' has no traditional grace period, the interest starts the moment things are purchased and you are charged even if paying the card statement balance each month, so for a customer like me who pays off their card each month it means for the first time I am paying interest on this card because of the change in calculating the charge. 
I strongly suspect that CITI is only offering this " special offer '' to similar pay the balance of each month customers and if so it's pretty shady as it results in interest payments when they wouldn't be needed otherwise. I called CITI and they said they could /would not remove the promotion from my account and I would have to just have it till XX/XX/2024.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07
Company: Freedom Mortgage Company
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 information incorrect

Complaint:
My old mortgage company reported on my credit that I was 30 days late and XXXX to 90 days late. To my knowledge I can for sure say according to my bank statements that i was late by XXXX or 2 months. 

I was also provide bad information via phone calls from members of the mortgage company when I had paid and than told to other things there for also being coerced into not paying on time. 

I also have a note book that I have written down phone calls that i have had with the company as well that I was told that I authorized money to be placed in my principal when I never gave consent or authorization to do so, I also was told by them that I asked to have payments reversed on numerous months when I never asked for that and I was provided certain dates that aren't even on my bank account. The story 's never a line from them. 

I had asked to always speak to someone higher and each time I asked I was told them couldn't help and when I did so, they would never allow me to send my supporting documentation and when once i finally was able to they said that there information didn't change because they said was they had didn't reflect what i had ( ie. Bank statements ). 

If you need more information please call I can explain more via a phone call because there are things that are easier to explain on the phone than through 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 2022-11-07
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company directly and ask them to please validate the debt. They can not provide sign documents, Photo of ID, pictures from being at this hospital. I have also contact all 3 credit bureaus and Design solutions have provided them with false information. I also have a police report my wallet with my ID was stolen out my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past 5 years I've been disputing debt that I've NEVER owed. I have the bill from the dentist showing that I absolutely owe him nothing!!!!! I've disputed the amount with XXXX  for years but they never provided me with anything, no documents or even any explaination. I've requested to see what I supposedly owe, and again nothing! I've had it!!!! I'll see Justice via trial by jury as I'm entitled to under the 7th amendment. I not only want this fraudulent collections account removed, but I also require monetary compensation of the same amount!!!!! Enough is enough you thieves!!!!!

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 2021-09-14
Company: AMERISAVE MORTGAGE CORPORATION
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold a house on XX/XX/2021 in XXXX county Nebraska and it was paid off that day. I had a mortgage with Amerisave mortgage on the property. Amerisave sent out half of the property taxes on XX/XX/2021 in the amount of {$850.00}. XXXX county sent the {$850.00} back to Amerisave on XXXX XXXX as it was a double payment because i paid the property taxes at closing on XX/XX/2021. Amerisave has been giving me the run around on where my money is. I get new stories every time i call in. They keep saying waiting for the check back. We are three weeks later and they refuse to cancel payment on original check and reissue. They refuse to give me my money that is owed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit report was deleted on XX/XX/2023. After multiple rounds of back and forth with Experian and their dispute department, a resolution finally came from a previous CFPB complaint, on XX/XX/2023. My credit report is, again, missing all data, however. The attachments show the difference between the two dates. My credit report should have over XXXX lines of credit open, dating back almost 20 years.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: MO
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:
It is now extremely obvious that experian is damaging my credit on purpose for retaliation for these complaints. The pic I am submitting as evidence clearly shows that according to experian own website that XXXX is recurring 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 non-monetary relief
Consumer complaint received 2019-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have deposit a check for {$550.00}. 
The bank release a {$200.00} next business day. The rest {$350.00} was on hold for 8 business day. 
So I call the bank, they told me that is their policy. When I deposit, they should let me know on hold for 9 business days. Instead they just say it will be on hold. Since I need the funds to pay for expenses, I don't have any to spend, so I called the bank and told me to wait until it release.

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 2019-12-29
Company: First Data Corporation
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
We opened an account at First Data, with a merchant account and XXXX   XXXX    since XX/XX/2019. The service enable us to charge customers payment for delivery service. The account works properly until XX/XX/2019. 

Since we are a startup, at start, the cash flow into XXXX  account is small and we are able to redeem the money from XXXX account to our bank account. However, since with the growing of the business, the cash flow becomes larger, and then we are unable to redeem the money from XXXX  account. We didn't notice until XX/XX/2019. they close the whole account without any notice! We have been trying to call  the customer service several times. They only give an answer that this is due the security reason that close our account and reject to do further assistance. The customer service says they can't help us and transfer us to security department. However, the security department never pickup call! Their voice mail say they will call back between 24 to 48 hours!!! But we NEVER got their call!!! 

Now, XXXX has been freeze more than XXXX dollar in the account and reject to answer any questions and disappear!

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 2021-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company agreed to completely remove the late reporting in exchange for paying the past due amount and not give the vehicle up to be repossessed that the account will be re-aged and current on all aspects including previous late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: EQUIFAX, INC.
State: SC
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2023 I received a domestic wire from a company its was a refund for a purchase that the company that wired me back couldnt deliver, and after trust bank accredited my account they block it and hold the funds and doesnt want to give me the reason while they holding XXXX usd.

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 2022-11-12
Company: Experian Information Solutions 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:
602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX Acct # 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 2019-07-10
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, I had opened the Home depot credit card account with 0 % interest rate terms in XX/XX/XXXX. The terms signed had misleading advertising showing 0 % interest rate in bold large font and finance charges in fine print with no details of exactly what amount they will be charging each month after promotional period. They started charging exorbitant predatory interest charges XX/XX/XXXX onwards without any separate notification letter and these details were not apparent in the initial  advertising that they gave us to signup for the promotional offer. 

Homedepot started charging a huge amount of interest rate on my balance from XX/XX/XXXX onwards. Previous Balance : {$3800.00}. Monthly Interest Charged : {$780.00}. XX/XX/XXXX statement : Previous Balance : {$6800.00}. Interest Charged : {$150.00}. Autopay : {$220.00} was charged.

XX/XX/XXXX statement balance : {$6600.00} doubling the initial balance inspite of making the autopayment every month. 

Homedepot never sent any email notification or letter about the upcoming exorbitant interest rate change. The account was set up in autopay in order to avoid any late fee. 

I have requested Homedepot several times to waive/adjust the interest charges from XX/XX/XXXX since we were never notified, with any online or paper letter or email or phone call. I could have paid the whole balance of {$3300.00} by the due date XX/XX/XXXX if I were notified. The account is in good standing with no late payments due to the auto payments. All the online account notifications were turned off in the default settings of the online paperless account. We got access and went into the online account in XX/XX/XXXX and discovered these charges.

Autopay History fromXX/XX/XXXX.

PAYMENTS XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$210.00}XX/XX/XXXX {$220.00} XX/XX/XXXX {$74.00} XX/XX/XXXX {$39.00} Thank you, XXXX XXXX Ph : 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 2022-11-12
Company: Experian Information Solutions Inc.
State: NC
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:
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 DELETE ( REMOVE ACCOUNT IMMEDIATELY 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 2019-07-10
Company: AMERICAN HONDA FINANCE CORP
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 status incorrect

Complaint:
This is an on going issue with the company. I recently had an investigation done into the matter and as of XX/XX/19 it is complete. In which, XXXX conducted an investigation into the issue and verified information on the account regarding an XXXX XXXX. According to XXXX, the results were in fact that I did at one point have the account and Honda updated the account as the balance was paid in full as per Honda Financial Services and I never missed one payment while in possession. I received the results of the investigation in the mail today. IT IS MY RIGHT UNDER FCRA 623 ( b ) ( 1 ) ( D ) TO HAVE ANY AND ALL INCORRECT INFORMATION CORRECTED OR DELETED IF THEY CAN NOT VERIFY THE FACTS OF THE MATTER, WHICH IS THAT THIS ACCOUNT STILL HAS ERRORS. Number one, the account is listed as a charge-off. If the balance is in fact paid in full as reported and I owe {$0.00} as per the investigation this is severely misrepresented. A CHARGE OFF OCCURS WHEN THE NUMBER OF DAYS SINCE THE MOST RECENT PAYMENT REACHES 120 DAYS WITHOUT PAYMENT. THIS WOULD MAKE THE ACCOUNT DELINQUENT AND NO LONGER CONSIDERED CURRENT. This does NOT reflect my account at all. If i was delinquent Honda would not have updated the account as paid in full after Transunion 's investigation. I never missed one payment therefore the account does not fall under a charge off. It's just a closed account. I have the results of the investigation if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-29
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:
The XXXX XXXX  XXXX  is inaccurate, this is from an issue from late XXXX. Was under XXXX XXXX  XX/XX/XXXX. They keep transferring to another collection to affect my credit report more, with inaccurate dates and as new incident. None of the credit reporting agency did a proper investigation and just dismissed the dispute. They stated they called the collection agency and they said it was accurate. That was it, my consumer rights are being violated. It is fraud and intimidation to repeatedly transfer it just before it is suppose to be removed from the credit report. These collection agency are in the same area and it is obvious. If they looked at my credit report they would see was report XX/XX/XXXX and is not from an incident this year.

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 2019-12-29
Company: RoundPoint Mortgage Servicing LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We Refinanced or house on XX/XX/2019. It is now with a different company. They have not sent my escrow refund of {$2600.00}. It has been more than 30 days. Round point mortgage service should have sent it and I should received it by now.

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This complaint is to report the inaccurate credit reporting by the XXXX credit reporting agencies XXXX, XXXX, and TransUnion. The account XXXX XXXX should be immediately deleted from my credit report due to incorrect information. How is each bureau reporting different balances and payment history when all data furnished should be the same? This doesn't make sense and it violates so many FCRA regulations. Also, XXXX has yet to send me any historical data about this account therefore it should not be reporting on my credit report. XXXX does not even report the original balance so there is no way for me to fact check this information. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account 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 non-monetary relief