BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-07
Company: VW Credit
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX/XXXX/XXXX I entered into a lease contract for an Audi XXXX with Audi Financial services. The contract stipulated a monthly payment of {$660.00}. After several months the monthly payment began to vary ranging from {$670.00} to {$660.00} a month. I ignored this until XXXX, XXXX when I reviewed the monthly statement. I then saw that I was being charged a late payment fee of {$6.00}. No payment has ever been late. Late fees were also included in the two previous months. I called Audi Financial on XXXX/XXXX/XXXX and was told the late fee was a system problem with their accounting system and it would be corrected and my payment adjusted. I was also informed that my new payment amount going forward was to be {$670.00}. I was also assured that Audi Financial had not recorded my payments as late. 

On XXXX/XXXX/XXXX I logged on to my Audi account and observed the following. The amount due for the XXXX payment prominently displayed on my home page was {$660.00} with no indication of a late fee. The amount due on the monthly statement however appeared as {$670.00} including the late fee charge. In a series of email exchanges with XXXXudi Financial I  attempted to get clarification as to the actual payment amount due for the XXXX payment. At this point four different payments were possible : original contracted amount of {$660.00} amount stated by customer assistance of {$670.00} amount shown on my Audi home page of {$660.00} amount shown on monthly statement of {$670.00} The last response from Audi Financial regarding this confusing state of affairs was " We appreciate your feedback and apologize we are unable to meet your needs. '' Although the actual dollar discrepancies are small I do not think it unreasonable for the financial company to provide me with consistent information regarding monthly payments. I am also concerned that my statements have included a late fee assessment for at least three months even though all payments have been made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: EQUIFAX, 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:
I have made contact with this bureau on XX/XX/2019 and XX/XX/2019 in regards to an account that is on my report twice ( 1-Negative, closed account with status showing Collection account # XXXX and 2- Closed account with status of payment ( - ) with Paid Collection for account # XXXX ) the 2nd one being acceptable but disputed as accurate. I also disputed the accuracy of a Bankruptcy-chapter XXXX reporting on my report due to lack of acceptable verification, I sent them copies of letters to court requesting how they verify and from court stating they do not verify. I have also sent letter to XXXX requesting the same information. 
I am a retired veteran and I am in the process of trying to become a productive XXXX to assist in the health and nutrition of our community and these 2 issues are standing in the way with no fault of my own. I have requested the bureau to remove these items from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I suffered an insurance loss and promptly reported the loss to both my insurance company and my mortgage company. The first payment for replacement of cabinets, painting and drywall was issued to me with no problem. The second part of my claim pertained to my wood floors. My insurance company allotted me funds for a full replacement of all flooring in my downstairs however my floor contractor was able to replace/repair only what was damaged which resulted in a much small amount. My mortgage company is refusing to release my funds to me even though all repairs have been completed and the inspector from the mortgage company has approved all repairs. Per the terms of my deed of trust, once all repairs are completed and approved funds are to be released to me. I may or may not decide at a later date to have more flooring replaced however all repairs have been completed to the satisfaction of the mortgage company inspector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
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: Old information reappears or never goes away

Complaint:
I have credit reports paid for since 1994 the data breeches from the major credit reporting agencies are at fault trying to correct the issues every time credit has been denied for no valid reasons, action were to make a statement on the credit report as follows : I do not make any payments for any financial obligation myself, I trust in my Spouse that has paid all financial obligations since marriage, Because l have limitations that do not allow me to perform these duties as I should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems Inc. sent me a collection bill that was paid on time and in full XX/XX/2021. TSI is demanding I pay in installments on a bill that was never late and has XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: EQUIFAX, 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 nor did I authorize these companies to pull my credit. I have never lived at these addresses either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom this may concern, I had requested my first free credit report from and had noticed some discrepancies in my report. There seems to be a couple of inquiries on my credit report that were made by various institutions with whom I did not apply nor indicated that I was applying for credit.

Due to the fact that I was succumb with family issue, I was unable to bring myself to write this letter concerning this malicious act. This is a request to reinvestigate and remove the al inquiries from my report since I am not responsible for these inquiries All of these inquiries were not made nor authorized by myself. To clarify, I did not, at any point, authorize a third party to access credit file in assisting me to obtain credit, nor did I apply for any services, and nor indicated at any point that I was applying for credit. Please investigate this malicious act and remove all these credit inquiries from my report.

I understand that you will check each item listed above with the credit grantor reporting the information, remove all information on my report that the credit grantor can not verify. Because I am requesting this reinvestigation after receiving a copy of my credit report from you, you must complete your reinvestigation within 45 days of receipt of this letter. ( 15 U.S.C ~1681j ( a ) ( 3 ). )

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 2022-03-08
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard pull by Credco on my report from XX/XX/XXXX that I did not authorize. The only hard pull I have ever authorized on my account in my whole life was in XXXX of XXXX for my car and my first and only credit card a week or so later. I have NEVER applied for a mortgage or any other kind of loan and did not authorize this hard pull. Now I am trying to apply for a Mortgage and see this and am furious about it, this fraud needs to be removed from my credit report and the company that committed the fraud needs to be reported.

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 2017-11-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I submitted a dispute to credit agency Equifax. I had 3 items that I requested be removed as the debt had not be validated as mine. As of today XX/XX/XXXX I had not been notified of the results. Their online system still shows that my dispute is pending. I called Equifax 's automated line and it also states investigation is still pending. In addition, I spoke to several agents who stated that in their system it showed the investigation was completed on XX/XX/XXXX and that was sufficient, however I was never notified of the results of the investigation and their website still states there is no resolution to my dispute. They offered to send me the results via mail, which I agreed however it has been way over the 30 days mandated by law and under the Fair Credit Reporting Act that they must respond to my dispute. 
I can provide paperwork that shows proof of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Recovery Solutions Group, LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX from Recovery Solutions Groups LLC. is trying to collect for a debt, which # 1. This company ( RSG ) is not Licensed in Idaho. 
# 2. He has not sent me a copy of this so called bill, even after I informed him of not receiving the bill, which I found out from ( XXXX owner of XXXX XXXXXXXX ) the company had sent bill to wrong address, after having my address for over 25 years. 
# 3. He called at XXXX, a clear violation of collections acts. I have recorded calls. He also called over 25 times in a day and kept calling after I notified him not to call. 
# 4. After filing a dispute with his company, he refused to send me copy of the current bill. 
# 5. after I made payment of {$700.00}. to debtor he still called and sent threatening letter. 
# 6. He ( XXXX ) had a third party call and threaten he was going to trespass on my property in order to take pictures of my private property. 
# 7. The XXXX. also threatened a lien which by law he ca n't do because ; ( A ) past 90 days. 
( B ) work was not performed on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We had a balance on our Citi card of over {$2300.00}. We decided to pay off the credit card. The statement dates are around the XXXX of the month. We paid the balance shown online on XX/XX/19. The payment was posted XX/XX/19. On XX/XX/19 they posted an interest charge of {$13.00}. My understanding of state law is that interest can not be charged on a credit card if the balance is paid off prior to the next statement date. I contacted Citi via online chat with someone named XXXX. She stated that they can charge interest on an account until the account has had a XXXX balance for two consecutive statements. Since they are obviously charging interest after a zero balance, the card can NEVER be paid off because they will continue to charge interest on the interest being charged daily. If I get a statement on XXXX and immediately pay off that balance, they won't post that payment until XXXX, so they've charged AT LEAST one day 's interest that will show up on the next statement. I can never have a statement with a zero balance.

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 2021-09-13
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2005 with an amount of {$550000.00}

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 2022-03-08
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
While attending the XXXX XXXX XXXX XXXX XXXX the school set up meetings for the students with a loan advisor with XXXX XXXX. The meetings happened on campus in a school provided meeting room under the guise that the loan advisor was going to help the borrower. Rather than helping me the loan advisor consolidated all of my loans which had a rate of 2.875 % into two new loans at 4.875 %. Some of my loans would also have been forgivable. When I was unable to pay XXXX XXXX they put my loans into forbearance for years and they continued to accumulate interest. I was mislead by XXXX XXXX and would like my loans reverted back to their original status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The credit card is the US Bank XXXX XXXX card. One of the advertised benefits is they will reimburse you for XXXX. This was the first charge that I had placed after I received the card back on XX/XX/XXXX. After my statement closed and I noticed I didn't get reimbursed, I called and was first told it could take a couple weeks. When that didn't happen the next person I called told me it could take 6 to 8 weeks after the purchase was made to receive it. When that didn't happen the next person said he had no idea when I would get reimbursed and couldn't give me a reason why it was not happening. 

Hoping to get better results, I contacted a member from their social media team on XXXX. This person actually contacted me on the phone and seemed to understand my problems and concerns. He told me he would submit a complaint on my behalf to corporate. He stated " this will usually light a fire under their XXXX '' and I should expect a call within a few days. This took place on XX/XX/XXXX. I haven't heard anything back yet. It has been 10 weeks since this purchase was made and I haven't received anything other than one sorry excuse after another.

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 2022-10-03
Company: Professional Finance Company, Inc.
State: CO
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:
PROFESSIONAL FINANCE is reporting an account on my credit so I sent them a validation request in XXXX XXXX they responded in XXXX with a simple statement and a refusal to verify any other request items. They did not send an original invoice, they did not send me a medical release waiver form signed by me, the amounts are different from what the statement reflects without sending me an authorization to collect any added interest or fees. 
I then send them a follow-up stating they failed to validate and to remove this ad they still have not removed it. 

Ive included all correspondence as well as copy of credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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: Reporting company used your report improperly

Complaint:
XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses.

The consumer is to receive a form 1099-c from the creditor to report as canceled debt on the consumers tax return. The IRS clearly defines a charge off as Gross or Ordinary income, furthermore, INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT thus deeming the reporting of such status and this account as a DEBT is INACCURATE. Any INACCURACIES must be OMITTED from a Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses.

The consumer is to receive a form 1099-c from the creditor to report as canceled debt on the consumers tax return. The IRS clearly defines a charge off as Gross or Ordinary income, furthermore, INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT thus deeming the reporting of such status and this account as a DEBT is INACCURATE. Any INACCURACIES must be OMITTED from a Consumer 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 non-monetary relief
Consumer complaint received 2018-01-15
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, 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:
As ofXX/XX/XXXX, 2018, my credit score from the 3 agencies are as follow : Experian : XXXX XXXX  : XXXX XXXX : XXXX The stunning difference between Experian and the other 2 is striking. I noticed that XXXX, through its associated cie 's like XXXX, XXXX XXXX and XXXX XXXX, lowered by credit limit over 5 times this past year for cards associated with these accounts, which all showed in my Experian credit report. It appears that this led to my already low Experian score to get even lower. By 9 points!!! 

This makes no sense, whatsoever. I got the store credit card to finance some purchases, like a lot of other people. Paid in full, 100 % on time. Then this " stale '' credit I forgot about gets lowered because the parent company wants to penalize me for not using their card, and somehow this can draw my credit score by 9 points in the past few months? Really? Are you kidding me Experian? To give you and idea, I lost 14 points for short-selling my house, for crying out loud ... Get real. 

My complaint is that Experian system of calculating the Fico score is completely out of touch with reality, lacks proper gauge for credit score changes, and is out of sync with other agencies. I pay my mortgage religiously, my kids ridiculously expensive after school program, my car loans, contribute to my 401K, my kids 529 plans, have plenty of cash reserve in my account, have a 7 figure net worth and yet, none of this matters. If some rando furniture cie decides to lower my credit limit on some card that I do n't need anymore then, by all mean, that mandates tagging me as a financial problem in the eyes of Experian. 

Experian should be excluded from credit pull if their system is unreliable and disconnected from reality. I am about to refi my mortgage, and the idea that these idiots have a say in this is mind boggling.

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 2017-11-07
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a rental advertised on XXXX.I had a person named XXXX XXXX apply to rent it.He gave me a XXXX XXXX check for {$1000.00} to hold it, he had an unlawful detainer on his record so I denied him rental.He then got a friend/employee of US Bank, my bank, to illegally access my US Bank account on two different dates, XXXX and XXXX XXXX, confirmed by my home bank manager, XXXX XXXX of US Bank XXXX , NV . The employee who illegally accessed my account is XXXX XXXX, XXXX branch of US Bank in XXXX XXXX, the employee/friend of XXXX XXXX, he gave the person off of XXXX my physical address off my personal checks, I confronted the employee directly and he lied to me about accessing my account, even though I already knew where and when he did and started sending me condescending, baiting emails when I told him how dishonest he is.Now the person off of XXXX is sending me threatening letters, stalking me etc.I am now putting my home up for sale and I am scared to death.This is multiple violations of the Ca. financial privacy act.

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