BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-14
Company: DISCOVER BANK
State: IA
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:
( paid before it was due online ) XX/XX/2018-i paid {$50.00} to Discover ( I am XXXX and am having problems with my bills, so I got legal advice that said to pay them something and pay on time ) { also, they previously not only let me go over luimit, but apparently confused me about things including about what was owed and " we '' thought I also had a 18 deferred interest rate aswell-note : someone helped me apply for this card originally because they thougt the 5 % ,3 % etc onpurcahese would be a good thing And Help My Credit, but apparently those purchases got 'fudged ' and it was never clear what actually qualified } Then they kept trying to get me to get aloan with them even I wasn't paying it off, but paying what they asked ( which was harder and harder and it kept going up even before a year ) and there were purchase I didn't make, but didn't know how ot dispute. Anyway, i went to frreelegal help and they said to pay at least {$50.00}. 
( tried to pay before it was due as well ) XX/XX/2018-i tried to pay {$50.00}. They wouldn't let me and I saw that they said I not only didn't pay in XXXX, but that I was also late. ( which apparently causeing problems with my credit now ) I have never been late on this card, we even made pre payments in the months before due { .example :. I paid them in late XXXX on a bill due in XXXX. } so I kept trying to pay them and they wouldn't let me. Then they started putting up options-like pay this amount for 12 months at different %, etc. So even though {$130.00} was too high, it was best option, even if it wasn't. I had too not pay on another bill for home needs. 
Then I started getting emails that my credit score had been changed and that there was activity on it. Which others were trying to keep from happening. 
XX/XX/2018-i went on to try and pay the again and they said min due was almost {$400.00} and that I was still late, and it was keeping me from paying the ' {$130.00} payments they bullied me into paying in XXXX ' Some chat person came on and I told them I have never been late and thety started condescending me again and not answereing my questions again. I finally, just said, well I guess im niot paying you and I will be respoprting you to XXXX, etc and also that I guess ill have to have the Debt creditr people help me now. ALL I wanted was tio have beter credit and to just live and be a good American. They left me no choice. now I have tio have a debvt consolidation company come in ( I really don't even owe them most of what they say-most is interest and other'possible fraud ' of someone else. I need help, they has caused me XXXX XXXX XXXX, etc. They have made the Credit reporting people now destroy my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: North Shore Agency, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I paid in advance for a one year subscription to The XXXX magazine. The sent four additional publications after my subscription expired without my authorization and did not advise me of what they were doing and did not give me the opportunity to cancel their unauthorized additional publication mailings.

The Nation turned me in North Shore Agency ( NSA ) collection to collect the {$29.00} they claim I owe the and now NSA is threatening action.

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 2022-01-06
Company: Experian Information Solutions Inc.
State: GA
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:
In checking my credit report I discovered unauthorized inquiries

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 2018-07-14
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
From Friday the XX/XX/XXXX to Saturday the XX/XX/XXXX. ( TCF Bank ) I have noticed has continually been slow ( seems intentional ) to update banking transactions. ATM, debits and credits. It takes them up to 5 days to update and post all transactions " even if they occurred on the same day ''. Not only that! But the posting on my cell app and on PC website access have shown different dates for the update and postings of transactions. They smile when I seriously question their practice and they say that all banks do this. This I do not agree with. What I do see is this. " If I was not paying attention '', to a budget or what financial transactions I undertake. The TCF Bank would be charging me " fees '', that should not be occurring. What my experience has said to me is this, " once I don't look '', I will get hit with bouncing fees of {$37.00} or more depending on how many transactions bounce. The current frustration is that on the XX/XX/XXXX my insurance payment posted and was confirmed by my XXXX XXXX that it was collected. But the TCF Bank today on the XX/XX/XXXX told me they did not get paid because it doesn't show on the posted accounts. Mind you last night on the XX/XX/XXXX on the PC and cell app it showed that it was posted. But this morning as of XXXX it has disappeared from the transactions all together. I believe that I am not the only one going thru this erroneous practice from TCF Bank.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: EQUIFAX, INC.
State: TN
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:
Equifax ; XXXX  and XXXX  should not be reporting a chargeoff on the XXXX XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has already gone to judgment and I am making payments. I have attached paperwork for reference regarding this account. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Caliber Home Loans, 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:
I  currently notified the mortgage company because I noticed that my mortgage does n't report to the credit bureau. They informed me that since my xhusband filled for chapter  XXXX  in  XX/XX/XXXX  that is the reason. I explained to the mortgage company we have been legally divorced since  XX/XX/XXXX and that in the divorce decree my xhusband relinquished all aspects of the property and a quick deed has also been issued to the mortgage company. The mortgage company informed me that since my xhusband never reaffirmed the dept that there 's nothing they can do. I informed my xhusband of the new findings and he stated he was never notified or informed that he needed to reaffirm the dept with whom he filed chapter  XXXX  with nor did he keep any of the paperwork. Not even the mortgage company that we previously had informed us as to why I could n't receive or why they were not reporting to the credit bureau until this new mortgage company that the loan was sold to informed me as to why I never get a mortgage statement and why they do not report to the credit bureau. Now I need to have the mortgage company to report to the credit bureau since I make all the mortgage payments since  XX/XX/XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX XXXX my social security number is XXXX and my year of birth XXXX ny address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX my complaint is that my mortgage loan used to be with community loan servicing llc account number is XXXX before my loan was sold to XXXX XXXX XX/XX/2021 I was approved for a loan modification my trial period payment was XXXX the due date was XX/XX/XXXX with a grace period as long I get in in before the end of XXXX. I got letter from prior servicing dated XX/XX/2021 from asset manager Mr XXXX XXXX phone number is XXXX XXXX XXXX faxXXXX  XXXX XXXX loan servicing llc saying I was approved I agree and accepted the terms then I ask Mr XXXX XXXX  that my loan will be going to a new servicing company called XXXX XXXX and I ask him would I have to do loan modification application all over again. He responded no everything will transfer as is and selene finance will honor your modification request because it was approved by your investor so I called XXXX XXXX  and put in my new account number XXXX and it still shows I am past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Identity Theft  XXXX  2010 ( police report on file in  XXXX , CT ). Received copies of credit report from TransUnion. There were errors on the report. Rep at the company told me to correct info on the report, send it back and it will get corrected. I did that and trusted that it was done. I still see errors on the report I just received due to a " denial '' by a credit card company.
Also, incorrect amounts owed, does not state when the credit card or home loan was paid in full or anything that would reflect something good that the consumer did.
It just states " high balance '' and shows an amount that I may have had for a day or 2 and paid off.
It is very disturbing to know that even though I am NEVER late paying bills, and can not even remember being late, my credit score is in the   XXXX   's giving me a " D '' rating due to the " angle '' that the reporting agency gives to make consumers appear as if we are and will be delinquient.
I really think that the Attorney General should look into this type of business practice/behavior also.

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 2018-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
For the original complaint id XXXX, the Bank of America ( herein after mentioned as Bank ) has failed to understand the complaint. Therefore I am explaining the complaint again as under with screenshot of Bank of America 's mobile application for FICO score. 

When XXXX ( Bank 's employee ), applied my credit card, he had told me that I would be always able to see my FICO score in Bank 's mobile application. I never require to pay to any credit score company to watch my FICO score, I will be always provided FICO score in the mobile application after signing in the Bank 's mobile application with my username and password. 

After logging in to Bank 's mobile application, I can see my account balance for check-in account and few details of credit card as well but I am not able to see any FICO score available to me. 

I have visited many times in-person to the XXXX XXXX branch situated in XXXX ( which opened my check-in account and issued credit card ), they told me that I will get FICO score automatically in mobile application after first 6 months of credit card. First 6 months have been passed from many more months, and they still give me the commitment for further 2 months to wait. 

I did not ask you to pull my credit details and harm the credit score which already did on the name of courtesy. Don't access my credit score without my permission.

It has been mentioned in the application that the FICO score is provided every month by XXXX. If it is freely provided to every credit card holder through the mobile application, why I am still not provided the FICO score in the mobile application. 

Make my FICO score available without any charges in the Bank 's mobile application.

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 2019-08-13
Company: USI Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from XXXX  XXXX XXXX, on behalf of US I /XXXX. Based on the information by XXXX this account was opened without my knowledge from XXXX. This account was opened fraudulently, I don't have knowledge of the transactions made. I am train to open a fraud/identity theft report as well as ftc number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been making regular monthly payments, as negotiated for with Portfolio Recovery Associates, on an account that went into collections. They have continually ( monthly for years ) been reporting me as a failed payment on my credit report/history despite the regular payments. I previously filed a dispute on my report and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX wrote into all 3 major credit bureaus disputing account that were invalid reporting, did not belong to me. These accounts are : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX would like these accounts to be removed and blocked. Also XXXX XXXX is a new account opened XX/XX/XXXX and somehow XXXX is reporting late payments from XX/XX/XXXX-XX/XX/XXXX and I did not even have this account during this time ; please remove late payment history from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Express Recovery Services, Inc.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My mother was in a XXXX XXXX  in 2019 the XXXX XXXX  forced me to sign as responsible party which is illegal. She was denied XXXX I tried to work with them and they turned me over to express recovery services who only told me to pay up! No voicemails left no communication and never validated the debt. Now they are suing me for my mothers bill which legally I am not responsible for!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
my bank XXXX XXXX XXXX XXXX XXXX is linked to cash app and it Transferred money to two different people who I do not know on XX/XX/2020 for the total amount of {$3000.00}. Attempt to contact my bank and was I formed I still had to pay back the money because it was from my cash app account. Tried to explain what happened and was still informed it was my responsibility. Attempted to contact cash app and heard no response back. To this pay Im still paying the bank back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: MIDFIRST BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, Hurricane Irma damaged my town, in Southwest Florida. It resulted in me losing my job. I was unemployed a few months. I fell behind. They allowed me to do a repayment plan. They waited for 3 months after the disaster to report payment history on customers ( XX/XX/XXXX ). From that point forward they reported me late at 120+ days even though I was paying. My issue isn't that though! I was grateful for this assistance. My issue is that I am now paid up to date and they said they will not report it to the credit bureau because I am in a disaster zone. Well, that " benefit '' has been lifted for over 6 months now! They reported me badly all during those repayment months and now that I am completely up to date ( I have XX/XX/XXXX paid as well ),  they will not report me current. It shows I haven't paid since XXXX. The disaster excuse is completely an excuse and a lie. When I review the payment history on their website, they take my payments and put them in an " Unapplied Funds '' account. I keep asking that they to not do that, and to pay my mortgage. They claim they are considering it payment for mortgage. There is a major clerical error going on and it's not only hurting me, it's hurting my mother 's credit who co-signed for my mortgage. She is moving into a community that does credit checks. Her credit is in the 500 's because of this! Why are they punishing hurricane victims this way? I made no claims against my insurance policy. I never have! Not reporting on bad credit scenarios is one thing. But those hat are paying should not be punished this way! I am very concerned that if they have this many errors going on, I will likely be file lis pendens upon, and be in a foreclosure status soon.

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 2021-08-10
Company: Army and Air Force Exchange Service
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Military Star Card : XXXX XXXX XXXX for activity duty and retired service members and there family. I Got behind on my star card and was unable to catch up my payments when I started working for USPS star card collections agency contacted my job and started taking money from my pay a different amount each time depending on what I make every two weeks I contacted this collection agency and try to set up a payment plan and they would not work with me they wanted all are nothing. I tried reaching out to them again to settle the debit with the original amount of the credit card which was XXXX I told them I could settle the debit in two schedule bank drafts payment and was willing to give them my bank information and two dates that were within 30 days to draft the payments. The collection agency told me to call back when I have all of the XXXX to pay on the same day. The collection company is charging me high interest fees and collection fees every month only about 1/3 of the monies they are taking from my pay is going towards paying off the debit. The original credit amount was XXXX and now with all the interest and collection fees I owe over XXXX dollars so far the collection agency has garish XXXX from my paychecks and not even half has been put towards the debit just paying collection fees and interest the debit is steady going up and not down.

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 2020-05-27
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 went to apply for a loan, and was turned down and I looked my credit up and seen items on my credit that should not be on my credit and needs to be removed .i contacted all three beaureus and no one has answered back. So I want to see is their something that you can do.I am including my DLSS and police 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 2020-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
2 new derogatory accts by debt collectors on my credit report. I have no knowledge of the debt .... could not get anyone to prove this is not a scam. Got no response to prove original creditor and contact only to debt collectors. XXXX XXXX Tx. Is well known to the XXXX XXXX XXXX and listed D+ rating due to scams and consumer complaints. XXXX XXXX is another one same story. I am trying to purchase a home and my credit rating has now dropped 100 points ... .. The dispute process with TRANSUNION IS SO DIFFICULT, I feel helpless to deal with this issue and get it 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