BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: Experian Information Solutions 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:
XXXX XXXX XXXX is not complying to the fully executed forbearance / modification agreement, terms & conditions of modification agreement. This problem has been continuing for over 4 months and have not been resolved. I have spoken to them more than 4 times and have also written them certified and regular mail letters to get the problem resolved.

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 2020-05-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 


EQUIFAX - Creditor : XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  - Creditor : XXXX XXXX Inquiry Date : Doesnt show Creditor XXXX XXXX XXXX XXXX Inquiry Date : Doesnt show Creditor : XXXX XXXX  XXXX  Inquiry Date : Doesnt show Creditor : XXXX XXXX Inquiry Date : Doesnt show XXXX  - Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was viewing the details of my credit report and I saw that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, of this 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 non-monetary relief
Consumer complaint received 2018-04-02
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have come to find out they charge an illegal interest rate of 780 %. I have paid back beyond the principal and still continue to make payments that only satisfy an outrageous interest rate and other fees. I am struggling to make ends meet because of payday loans such as this one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My wife and I ( both veterans ), have been with Freedom Mortgage for about 15 months. We have only had one issue when mail was delayed due to a snowstorm and the check arrived a day or two late. When we called them about the check being late ( we saw that the money had NOT been withdrawn on the XX/XX/XXXX ) they told us that we were immune from late payment for the first 2 years of our mortgage but STILL charged us late fees and claimed the fee would be applied to principal. We were mollified. However, this occurred again and AGAIN WE had to call THEM about not cashing our mortgage check. We were told to cancel the check and pay online. We attempted several times to pay online but their system was not working properly. We called several more times over the next few days and were finally allowed to pay over the phone. However, once again they got a number wrong ( allegedly ), and piled on even MORE late fees again telling us that they would be applied to principal. None of the late fees were ever applied to principal so they had BLATANTLY misled us or dare I suggest that they LIED to their own customer. Now they are saying we are TWO months late and we have both payments sitting in our account waiting for them to take it. I have done research on the company and this is NOT an isolated incident. They have been both aggressive in getting their money and politely unhelpful each everytime we try to pay them. They have continually lied or misled us, NOT corrected the problem NOR have they EVER called US. WE have called THEM we stay on top of ourt finances and this is completely unacceptable and a perfect example of corporate greed and incompetence. My FIXED mortagage payments have been going up due to late fees and accrued interest because they will NOT take our money. I do not know how to force them to take our payments please help us or inform them they need to fix how they do business.

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 2020-10-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
The following accounts and late payments are currently being reported. I have request them to be removed on multiple occasions via mail. 
Must recent being XXXX, XXXX, XXXX and XXXX of 2020. 
Experian : US DEPT ED 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 2020-10-30
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My name is XXXX XXXX living on XXXX XXXX XXXX XXXX., XXXX . XXXX, XXXX XXXX XXXX, FL XXXX. My cellphone number : XXXX. My emai is : XXXX. 

Home Depot charged my credit card for an installation that didn't happen at my apartment neither i signed for it. 
At first i tried to solve it directly with them but they didn't care to fix it, I took them to court and the Judge ruled on my favor saying that " I was improperly charged '. 
I called the 3 different bureaus to remove that account on my credit report showing them the court papers. The Bureaus couldn't fix my report saying that the creditor ( THE HOME DEPOT/CITYBANK ) still claims the account belongs to me. 

The Creditor is THE HOME DEPOT/CITYBANK : 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 monetary relief
Consumer complaint received 2018-04-03
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have two areas of Concern. 

1st - For my Pentagon Federal Credit Union XXXX Credit Card on XX/XX/XXXX I received a 12 month 0 % balance transfer of {$9000.00} to help pay off another credit card. I have been paying on this credit card for 10 months. The expiration of the 0 % transfer is due to expire on XX/XX/XXXX according to my statements. On XX/XX/XXXX I called Pentagon Federal inquiring on another balance transfer for another 12 months at 0 %. In the discussion the attendant told me that any payments would buy down the first 0 % balance transfer made on XX/XX/XXXX as long as no interest or other purchases were made. I then decided, on XX/XX/XXXX to have another 0 % balance transfer of {$6000.00} to help pay off another credit card. I paid {$950.00} that month and all the money, minus balance transfer fee, went to the XX/XX/XXXX balance transfer. On my XX/XX/XXXX statement I made another {$950.00} payment where {$580.00} went to my XX/XX/XXXX balance transfer and only {$180.00} went to help pay off my XX/XX/XXXX transfer. I called Pentagon Federal on XX/XX/XXXX and asked why it was not paying off my 1st transfer and they said something about congressional calculations and they had no way of fixing or having my payments go first to the promotion XX/XX/XXXX transfer. In this case I will be paying interest on the first balance transfer until I have both balance transfers closed out. This was not explained to me and Pentagon Federal said they could not " allocate '' how the payments are done. Please help me with this as I never intended to a 0 % balance transfer cost me any interest. They are not taking the Expiration date of the 0 % balance XX/XX/XXXX into account and not considering that I still have 10 months to pay off the other XX/XX/XXXX balance transfer at 0 %. It looks like they are penalizing me on having two 0 % balance transfers. 

2nd Additionally on a separate note, It appears they changed the expiration date for both transfers from the XX/XX/XXXX and XX/XX/XXXX Statements confusing me as to when the expiration of each promotion was to end.

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 2020-10-30
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this debt many times they have not been able to verify or sent me actual proof it belongs to me but still report this inaccurate and unverified debt to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020, I got a text from Citibank in regards to fraudulent suspicious activities on my checking card by text from XXXX XXXX. I immediately DECLINED all charges from XXXX XXXX within minutes of the charge since I did not authorize them by text. Additional to this, I personally called Citibank Fraud department where I confirmed to them that these charges were NOT from me, I declined all charges from XXXX XXXX, I CLOSED down my debit card and credit card for security purposes and ordered new cards. The next day, on XX/XX/2020, Citibank properly refunded them the charges. However, two months later, on XX/XX/2020, Citibank WRONGFULLY RECHARGED my debit card for the XXXX XXXX charges in the amount of {$470.00}. Since then, I have called Citibank almost 20 times during the past 8 months spending hours on the phone with them explaining over and over the situation again and so far, as of today, I still don't have my money back. The bigger fraud and thief here is Citibank holding my {$470.00}. I was in XXXX during lockdown for Covid in XX/XX/2020 and XXXX XXXX was not even open. If it was online order, it was NOT delivered to me. its every easy to prove that this is not from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2019-03-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am looking into buying a home pulled up my credit report and seen a fraudulent cell phone account XXXX XXXX  # XXXX I do not have a XXXX account for {$3300.00}. I have several unauthorized inquires for lenders I do not recognize. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VIA   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX DO VIA XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX VIA 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 2020-10-30
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity is a error on my credit report.

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 2020-10-30
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have had my care credit card since approximately XXXX. I finally used it for the first time in XX/XX/XXXX at the XXXX XXXX XXXX in XXXX XXXX, CA. 
I only signed for their promotional offer of no APR if I pay my balance within 18 months. 
I did not sign for any other promotional offer especially a card security. 
However, when I finally checked my statement, it shows that I had been getting charged the card security with the amount of ranging from $ XXXX {$42.00} a month without my knowledge. 
Until now, I have {$530.00} balance on my account despite them showing that I have been credited that amount on XX/XX/XXXX. 

The payment due date is fast approaching which is on XX/XX/XXXX and I am afraid this will damage my credit score. 

Please kindly help me with this matter. 

Thank you.

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 2020-01-21
Company: Financial Management Solutions, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2020 FMS collection company pulled my credit report witout any consent. It states I rallied for credit with them I've never applied for credit and if they are a credit collection company how did I apply for credit with them.. This is not the first time that they have done this..

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 2018-04-02
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I make a payment every month. Upon opening my loan it says I don't have to make a payment or give me an amount to pay. I typically pay {$150.00} then. My principle amount has not changed in 5 months. 

I called Sallie Mae and they told me the money goes to accrued interest. I then looked at my account history. It then shows that interest amounts being taken out on the XX/XX/XXXX of every month and then on the XX/XX/XXXX of every month. I asked where this money on the XX/XX/XXXX was coming from. They told me it was from my payment. I then asked what my interest payment for XX/XX/XXXX was and they told me it was {$120.00}. I asked where did the extra {$22.00} go. They told me it goes towards interest. I asked why? If all the payment that was required was {$120.00} why wouldn't the excess go to paying down the principle. 

And why doesn't it show this on my loan payment history? Also why are these payment broken up for the XX/XX/XXXX and XX/XX/XXXX of every month? I then asked why they don't give me a choice of how to apply my payment on their website? Your only choice is to make a payment. Not how it is applied ( interest, fees, principle )!!! 

I also asked if, my loan doesn't require a payment at all, why isn't any amount going to the principle? I kept getting the same answer of how it is accrued interest and no payment is due until school completion. Why do I get penalized for paying a loan that isn't even suppose to get payments? Shouldn't any early monies be applied to principle so the interest is decreased? How is it legal for them to divide my money/payment on various dates without my approval or paying me interest on my money? How is it legal for them to hold onto money for the next accrued payment and not applying the surplus funds to principle? How is it possible that they don't show this on my loan history? And if they do, how is it I'm not seeing it? How is it possible that they don't offer me the option of paying extra principle/principle after the interest portion is paid?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, please delete this account is not correct. There is a bankruptcy that is inaccurate. There are addresses listed on my report that are not mine : XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX, XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, NM XXXX Please remove the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached my ID for my address proof of my only address.

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 2020-05-14
Company: CITIBANK, N.A.
State: OR
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:
Citibank decreased both credit limits on my card after a loan was reported as late on my credit report. I took out a loan for a family member that had a medical emergency and they couldn't pay the loan. The loan went past due and Citibank decreased my credit limit from {$16000.00} to under {$1000.00} on two of my cards. I have been a loyal and on time paying customer with Citibank for over 8 years. I settled the past due account to resolve my credit blemish and called Citibank to reinstate my limits. They informed me they would put in an application. After not hearing back, I called and they said an application wasn't submitted and I wasn't eligible. I called back several times and got different information. I became frustrated and felt they lied and were not willing to help. Months later, I got a letter with a number to call so that I could get my limits reinstated. After making several attempts to contact Citibank corporate, I never reached anyone and they never returned my messages. At this point, I feel like I did everything I could to resolve this matter and Citibank has been uncompromising and unhelpful towards a loyal customer.

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