BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX is reporting late payments on my credit report every 15 days so my credit report is showing late payments up to 90 days. Spoke with the customer care rep at the mortgage company and asked why after the XX/XX/XXXX day are they reporting it late and I was informed that anything after the actual payment date can be reported. Its never 30 days late and I even sent them a goodwill letter and was told nothing could be done once they reported it. Contacted all three of the credit bureaus and was told in less than 15 days that the investigation was complete and no changes where made. I was no longer eligible to dispute again, because according to them by law they had done what they were suppose to!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: MD
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 already disputed this XXXX account with account number XXXX and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under Equifax & XXXX from my credit reports. However, on my monthly updated credit reports dated XX/XX/2021, a newly added account appeared in my reports as XXXX XXXX with the same account number XXXX and is reporting negative still under Equifax & XXXX. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but it has been added back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Experian Information Solutions Inc.
State: TX
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:
I have contacted Experian on Numerous occasions about them stealing my money mand not canceling my product. They keep you on hold for hours to make sure you miss the deadline of the 7 Days to cancel your product. I do not have money to throw in the Trash and Experian has had Law Suits filed against them before because of this Deception. I want my {$31.00} that they took from me on XX/XX/2018. 

I have spoken to many Foreigners in a 3rd world country about this matter and I am tired of asking them for money they stole from me. I want my MONEY NOW! 

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 2018-05-22
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called Barclay card on XX/XX/2018 and asked if they would honor me a credit line increase. Specifically asked, about their process. I have not been told that they are going to pull two hard inquiries. They pulled one on my XXXX and one on my XXXX. I called to dispute this issue and they said they do not have a dispute department. Please help me to get this two inquiries off my credit

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 2018-05-07
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2021-03-29
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have Macy 's store card and I keep incurring late fees, and extra interest. I keep requesting that my due date be moved to the XXXX to line up with my pay and other bills. All I keep getting is excuses, exuberant minimum payments, folks that aren't notating the account to show that requesting was even made and even though I available credit of {$93.00}, my card was declined for 54.54.. I recently made a {$62.00} payment on XX/XX/XXXX to only show {$75.00} due XX/XX/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 2018-07-30
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This file is following a complaint that I filed on XX/XX/2018 with your company, ( this complaint has been closed at this time ) Complaint Number : XXXX. Chase Mortgage Company, illegally foreclosed my property while under consideration for a loan modification proceeding, approximately 7 or 8 years ago. Chase Mortgage Company purchased this property back after being told that they illegally foreclosed this property. We have been back and forth since that time regarding another loan modification, short sale, or a deed in lieu. Chase Mortgage is advertising this property for sale for auction on XX/XX/2018, on XXXX. Chase Mortgage informed your company l that they had discontinued any foreclosure proceedings as of XX/XX/2018. I am requesting payment for all of the undue hardships, and the many years of hardship with Chase Mortgage, for the unlawful foreclosure of this property, and the loss of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Bread Financial Holdings, Inc.
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Starting on Sunday, XX/XX/2022 Bread Financial dba/Comenity Bank started a major software update of their banking system. Something went wrong and their whole credit card processing system crashed. At first you couldnd use your card for purchases. Purchaces were denied for insufficient funds because their website wasn't reachable. They got the sales network patched, but you still couldn't log in to check expenses, balances, or make payments. Now they've patched the payment end by having you go through their " XXXX XXXX '' but you have to enter your card number, zip code, and last 4 digits of your SSN. There you can see your prior payments & balances and also make a payment. You still ca't see your purchase details. It has been 42 days since they crashed their system. I don't know if CFPB can levy punitive damages or otherwise force them to hurry up and fix it. This needs to end very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I have been a Capital One Visa Credit Card customer for over 25 years and I have always been satisfied with the customer service. As a matter of fact, my partner signed up for a Capital One Visa Credit Card card after I recommended it to her. I am also an XXXX XXXX and have recommended the card to many of my guests who travel a lot. However, on XX/XX/XXXX I had a very disappointing interaction with Capital One customer representatives over the phone. 
For some reason I missed my XX/XX/XXXX payment of {$1300.00} by a few hours. I think it was because of a software change on the bill payment website at my bank which now requires repeated confirmation of an electronic payment and I may have closed the website too early. I got an e-mail from Capital One on XX/XX/XXXX that I missed my payment. I quickly checked my payment history and found that the payment had not been made. I immediately called Capital One and asked if I could pay it right away and if they could waive all the late charges. I was assured by the operator that the charges were cancelled and that I was clean. 
I did not think anything of it and made my XX/XX/XXXX payment of {$4100.00} without scrutinizing the bill very carefully. When the bill due on XX/XX/XXXX arrived on XX/XX/XXXX I was shocked when I saw that I was charged {$51.00} interest. After all, I had payed all my bills in full and only the payment due on XX/XX/XXXX was a few hours late. Then I went back and reviewed the timing of the events and the bills and realized that I was charged {$64.00} in the bill due on XX/XX/XXXX. 
I was outraged when I realized that only the late fee of {$25.00} had been dropped but not the interest charges of {$100.00} for being a few hours late on a payment of {$1300.00}. I find this unacceptable especially because I immediately took care of the problem as soon as I knew about it. 

In summary I am asking Capital One to credit my account with all the interest charges that were caused by the delayed payment on XXXX XXXX. These charges were listed on the bills due on XX/XX/XXXX ( {$51.00} ) and XX/XX/XXXX ( {$64.00} ). I am also asking you to eliminate any additional charges that may be on future bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-01
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I logged in to my online account on XX/XX/2019 in order to find details of my loan balance and interest rate. A simple monthly statement for viewing or download would have been fine. But that was no where to be seen online. Absolutely no where could I find my interest rate. 

I called the company to ask for a statement on XX/XX/2019 and was informed that they would not provide a statement. They offered to mail/email me my original paperwork and a copy of the payment history. I stated that it seemed odd that they could/would not provide a statement. The representative had no explanation or idea why this would not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have sent dispute four dispute letter to the credit bureaus and the response I have a receive back was I have to verify the information and send in person information which I verified my address to have my address updated and its still incorrect. I have also never received and verification of the information on my credit report that is being disputed the credit bureaus want me to verify these items

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 2020-05-03
Company: Harpeth Financial Services, LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Since having the loan for {$2200.00} I have paid over XXXX dollars in payments off XXXX by weekly since XXXX and my balance has only dropped {$400.00}. I don't get assistance or responses from emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: EQUIFAX, INC.
State: VA
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:
Equifax is reporting 5 accounts from XXXX XXXX that do not belong to me. I was not notified by mail of any of these accounts prior to this company placing these accounts on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Experian Information Solutions 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

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 2018-03-17
Company: ID Analytics, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Upon seeking financing for a car purchase, was approved by some banks but denied by others due to credit report from XXXX. XXXX  and XXXX  scores are XXXX ... XXXX  score is XXXX. Calling XXXX was of no use ... no one could answer questions about how scores were determined or provide assistance for resolution. Online research indicates this company is relatively new and has questionable practices.

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 2018-12-04
Company: Bread Financial Holdings, Inc.
State: ID
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:
I contacted XXXX XXXX on XX/XX/2018 about fraudulent charges on my XXXX Credit card. I contacted XXXX  about the charges who could not provide any information about the charges and stated that they were not linked to my account. I went into a local store who pulled up my XXXX  account and again had no further information and could not see any information about the charges. I contacted customer service to file a fraud case, they then advised they were submitting a dispute and I would see the XXXX credits on my account. I thought this was kind of odd since I advised this was fraud but I dont know there policies so I thought the rep knew what she was doing. I have not heard or received anything since this date. I know get email that states I have a past due balance of almost double what I reported which appears to be fees. I have not received any notification of a case. I have been sitting on hold for the last hour and will continue to wait as I wait for assistance but this is completely wrong and a perfect example of poor business practice. I was advise the issue would be resolved and was never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Experian Information Solutions 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 have to dispute the information on my credit report that has been on there for years and to no avail nothing was done about it

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 2019-10-01
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I sent {$300.00} to a person named XXXX XXXX for some concert tickets. Shortly after sending the money I asked this person about the tickets and never got a response. I followed up multiple times and was unable to get a response. This person is scamming a lot of people ( I have been in contact with at least one other person who are in the same boat ) and they are using XXXX and other XXXX apps to accomplish this. I have contacted Wells Fargo on multiple occasions and they are unwilling to help. They will not refund the money or provide the receiving banking institution 's name. The scammer is using the name XXXX XXXX, phone XXXX, email XXXX Wells Fargo XXXX Transaction Date XX/XX/2019 From account XXXXXXXXXXXXX Amount {$300.00} Fee {$0.00} Confirmation code XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Experian Information Solutions Inc.
State: TX
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 paid off an account early that required two payments/month, and at the same time a major legal debt filing came off of my record ( it has been 10 years ).

Experian reduced my credit score 33 points. I am XXXX years old, and I am single, and despite Covid I have been doing all that I can to try to pay off debts even when my work was shut down SEVERAL times, and here I now have a lower score after I paid off an account???!!!! And a HUGE legal filing related to an ended marriage came off??? 

I ASKED EXPERIAN TO REVIEW THIS AND I EXPRESSED THAT THIS IS EGREGIOUS. 

It's like they want to keep us back and hold us down. 

Last year, a credit card reduced my limit to what I owed because I was not using it, and Experian dinged me for that and said that I had maxxed out the account!!! AND THAT WAS A LIE!!! 

I XXXX  and there are apparently over 150,000 complaints in this database against Experian. When is the government going to stop their selfish and pernicious behavior??

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 2019-05-07
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Please refer to my previous cfpb complaint ... I have still not received my refund check of {$180.00}. They say they mailed it to my previous address at XXXX XXXX XXXX but I still lived there until 2 weeks ago so it should have been received. When I called yesterday concerning it I was transferred 4 times before I was ultimately hung up on. I want my money as fast as possible. I need the money and have needed it for weeks now. If it can be ACH back to my account please do so. My new address isXXXX XXXX XXXX , XXXX Ohio 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 2017-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Applied for new job and Equifax Report is inaccurate in few areas. My work history on there is from XX/XX/XXXX or so. It is not current. Also, my house sold on XX/XX/XXXX and it does not show on my report. I need to have my information updated. 
I have reached out to Equifax through their site Trusted ID and dont know how to get a hold of them to resolve my inaccurate information that is hurting my chances to find employment. 
Thank you for any assistance or guidance you can give

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/1921 I had a charge to my acc for XXXX I called td bank to dispute the charge on my debit card ... I received a provisional credit which was later reversed ... I called them back to request what documentation they had to make their decision which never came ... I called them twice and both times I havnt received any info from them ... XXXX XXXX XXXX I spoke w/superviser who wouldn't give me his complete name only ( XXXXXXXX ) who said I could go to a td branch to obtain the info.. but at the bank, they said to call this #. 

I had originallydone a survey on line, + was offered a free gift but told to give name address + card info for only shipping fees. I received a set of ear buds which quality was very poor. I later was billed {$100.00} so I called the ph # listed on my bill.. the girl said that there was a free trial per and if not returned, I was billed.. she readjusted the charge to {$20.00} + shipping and I told her not to send anything else as I saw 3 shipping fees ... she explained their wasn't anything else coming from her Co. I kept getting charged w/various amounts which I tried disputing, but kept getting reversal on my credits ... it has cost me XXXX + I have no idea what the supposed items were. I tried calling the ph # 's they had Givin to me, but all of them were disconnected # 's and I had no recource to contact anyone. I canceled my card + received a new number, but still was charged. The name of co was ( XXXX  XXXX XXXXXXXX ) I have no idea what it was supposed to be and asked for documentation of there findings to find that there was no fraud w/their decision.. but after 2 times they told me they sent out.. I never received anything.

Company response to consumer: Closed with explanation