BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: TIDEWATER FINANCE COMPANY, INC.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX XXXX XXXX XXXX card was underwritten by Tidewater Finance Co out of XXXX, VA I opened the account at a XXXX XXXX store in XXXX XXXX, NV. in XXXX or XXXX. XXXX XXXX no longer has this option and the accounts were closed. I still paid my payment on time, every time, and usually more than the minimum. 

Last month, my payment is due on the XXXX of the month, I paid it a few days early and PAID IT OFF. Now, they are charging me more interest on a {$0.00} balance!!!!! 

I tried speaking to them today, the first man, XXXX, didn't speak English ( and neither did the receptionist ) which is frustrating as it is. XXXX corrected my address and SAID he put in a request to management to remove the charges. Never said it would be done and REFUSED to send me an email confirming that he changed the address and that he submitted for the account to be cleared. I asked to speak to a supervisor and was given to XXXX, who still had an accent, but not as thick and I could at least understand him, however, he couldn't comprehend English either. Found out that the 1st guy spelled my new city and street name wrong, so he corrected that ( I hope ) and again, REFUSED to send me an email confirmation on anything. Said they cant send out confirmations, only on payments. And he can't send anything out until management clears the account. Then they will send some letter. My payment is due next week. I'm concerned that these people will not do as they say and my credit is going to be impacted. How can they get away with charging interest when the account was paid in full before the due date? That would mean that every time you make a payment in full, they are going to charge you interest so you never pay off the account. 

Something needs to be done with unscrupulous companies such as Tidewater Finance Co. I would never recommend this company to anyone. They have outrageous interest rates to begin with, which is why I always tried to pay much more than the minimum on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: TX
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:
credit report not popping up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is my adress

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase Freedom Unlimited charges interest rate for transactions which have been paid off as long as there is an outstanding balance. On XX/XX/XXXX I had an outstanding balance of {$2600.00} for which I was charged {$49.00} in interest rate. On XX/XX/XXXX I had an outstanding balance of {$850.00} and was charged interest of {$77.00} After speaking to a Chase representative, I was told that as long as there is outstanding balance Chase charges interest rate on every transaction irrespective of what the final outstanding balance was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Jim Bottin Enterprises, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2017 I cancelled my gym membership with XXXX XXXX. Cancellation confirmation was provided in writing by XXXX and a copy was provided to ABC Financial. Despite the fact that this cancellation was confirmed, ABC financial contacted me by telephone and harassed me with collections notices demanding payment for a cancelled and confirmed gym membership. 


ABC Financial called me repeatedly and did not stop calling after I advised them to stop. 
ABC Financial attempted to collect debts that were not owed and threatened to take actions that can not legally be taken. In addition, ABC Financial failed to send a notice summarizing debt within 5 days of my written communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX and single  mother of XXXX who did not get a XXXX position this XXXX   year and have found myself unemployed. I have an FHA loan serviced by Specialized Loan Servicing LLC. SLS has refused to process my requests for mortgage assistance for over 4 months repeatedly asking for documents I have already provided multiple times. They are dual tracking my loan ; have already had an attorney send me a letter to commence foreclosure ; are charging me for monthly property inspections ; charged me for a " title expense '' ; and contacted my homeowner 's insurance company to cancel my insurance because of foreclosure all without evaluating my loan for mortgage assistance.

I have thorough documentation of all communication including two audio recordings ( I live in a one party consent state ) with SLS where their automated account system states that my request for mortgage assistance application status is, " pending review. We have received all documentation needed and are currently reviewing the information provided. '' Afterwards, a representative comes on the line to assist me and proceeds to tell me that my application is incomplete and can not be sent for review until I submit more documents that I have already submitted. I have this recording after my first application I submitted on XX/XX/XXXX, and after the second application I submitted on XX/XX/XXXX. Yet SLS still refuses to process my application ( s )  stating both verbally and in writing that they are incomplete. 
Although SLS has told me they do not offer forbearance of any kind and that I will not qualify for any assistance until my application is reviewed and I have found work and can prove income, I know this is untrue. I have more than proved my unemployment status to SLS including a letter from the XXXX XXXX stating my last day of employment, my FHA Unemployment Hardship Letter, months of bank statements, divorce documents showing proof and amount of XXXX XXXXt, and even cancelled XXXX XXXX checks. I know that I should qualify for an FHA unemployment forbearance and/or loan modification. 
I mailed a Debt Validation Demand certified return receipt to both SLS and their attorney of record. 
I realize that I am fighting a war I can not win because SLS is violating every regulatory guideline I have found in addition to their own loan servicing agreements. My children and I are scared that despite my best intentions we are about to be XXXX within the next month. Any assistance you can offer will be most appreciated!

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 2018-03-27
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: Personal information incorrect

Complaint:
On or about, Thursday, XX/XX/XXXX, I placed an order for phone service with XXXX XXXX XXXX XXXX online, order number XXXX. I called the store that I selected to pick my order up from and was told that their system was running slow, and they would get to it shortly, once they received it. Shortly after I ended the phone call, I received an email from XXXX XXXX XXXX stating that they had a problem placing my order and to give them a call. I called and had a ton of issues so I just went into the store, and I was told that my social had a fraud alert and I need to call to verify my identity. I called and was told that they could not approve my account because I had too many discrepancies on my credit report. I was then referred to the Equifax Utilities Department. When I spoke with them, I was told that I had two discrepancies, my address and date of birth. I was told to send a copy of my drivers license and either a bill or my lease agreement so they could update my information, and the entire process would take 48 business hours. To confirm that I was thinking the same thing, I asked if I send it tomorrow, which would have been Friday, XX/XX/XXXX, it should be completed and updated by Tuesday, XX/XX/XXXX, and they said yes. On or about Friday, XX/XX/XXXX, at approximately XXXX XXXX, I faxed over a copy of my drivers license and lease agreement to the fax number provided to me, along with a cover letter to explain the situation. When I called on Tuesday, XX/XX/XXXX, I was told that they did not have my paperwork and I had to resend it and it would take another 48 hours. On or bought Wednesday, XX/XX/XXXX, at approximately XXXX XXXX, I faxed my information to them again. On or about Monday, XX/XX/XXXX, at approximately XXXX XXXX, I called again to get an update, in hope that my information was corrected on my credit report so that I may go purchase my new phones soon, but much to my surprise they still do not have my paperwork and I was told to resubmit my documents. This situation I find to be very distasteful and frustrating. I do not appreciate it as I am a combat veteran and I should not have to be treated this way by any business. This has caused me major inconvenience as I am still having to wait to get my phone service because they will not update my date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The XXXX mortgage debt on my consumer report is not my responsibility per my divorce decree SIGNED BY A JUDGE IN A COURT OF LAW. XXXX XXXX is financially responsible for any debt incurred including all debts related to XXXX Mortgage and medical and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Good afternoon I am writing to file a complaint about Capital One credit card. I have XXXX  capital one credit cards. I am very frustrated with there credit reporting. I have mad multiple disputes about showing two late payments for the same two months on both of my cards which is inaccurate and I also just paid off these cards and one card showed the balance went to {$0.00} after I paid it then two days later back up to {$310.00}. Their credit reporting is very inaccurate and frustrating and is hurting me as a consumer damaging my credit for their inaccuracies that they will have yet to fix multiple disputes later. I would like my balance to show my REAL balance of {$0.00} since I paid them off and to remove the two late payments off of both my credits cards right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: TX
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:
credit report not popping up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my adress

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 2020-10-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX - FINAL PAYMENT {$2000.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted over 3 disputes/letters to XXXX, XXXX, Transunion to correct information creditors submitted inaccurately on my credit report. The supposed accounts have not been properly verified according to fcra 609. They have no proof of my wet signature to verify the account. On XX/XX/XXXX I sent the credit bureaus certified copies of my secretary of state XXXX XXXX which shows I have to debt/loans which they disregarded. The credit bureau nor the credit agency have supplied proper evidence, yet the delinquent accounts are being reported inaccurately. My 3rd Notice was sent XX/XX/XXXX Credit Disparagement Letter Notice Inent to Sue/Notice of Claim of Economic Injury which were notarized and post master certified documents which have been disregarded. I called the credit bureau on multiple occasions and also have gotten no response. I feel the credit bureaus along with dishonorable creditors have purposely caused harmed to my financial/economic responsibility to my country and family. As a veteran I feel the deepest regret to defend such dishonorable corporations. 
The following accounts should not be reporting on my credit report at all : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be reported derogatory on my credit report : 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 2022-10-05
Company: JPMORGAN CHASE & CO.
State: CA
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:
I received this card in XX/XX/XXXX and have made payments consistently every month, sometimes twice a month. However, this credit card company has charged me interest every month and has said I have had late fees every month. I have been charged interest even though I have never been late on any payments. 

Payment dates and amounts : XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$50.00}, XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$100.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$1800.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$1800.00} XX/XX/XXXX paid {$130.00} XX/XX/XXXX paid {$110.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$60.00} XX/XX/XXXX paid {$200.00} XX/XX/XXXX paid {$260.00} XX/XX/XXXX paid {$250.00} XX/XX/XXXX paid {$500.00} XX/XX/XXXX paid {$200.00} XX/XX/XXXX paid {$500.00} Charged interest dates and amounts : XX/XX/XXXX charged interest of {$23.00} XX/XX/XXXX charged interest of {$34.00} XX/XX/XXXX charged interest of {$5.00} XX/XX/XXXX charged interest of {$30.00} XX/XX/XXXX charge interest of {$12.00} XX/XX/XXXX charge interest of {$35.00} XX/XX/XXXX charge interest of {$37.00} XX/XX/XXXX charge interest of {$35.00} XX/XX/XXXX charge interest of {$38.00} XX/XX/XXXX charge interest of {$31.00} XX/XX/XXXX charge interest of {$31.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is selling unverified debt to XXXX, XXXX, there is no contract in place for either one of these companies and they are reporting this unverified debt as being accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Recovery Agency ( NRA ) opened a collection account under my name. They reported this account to XXXX  before sending me any bill. I called them and they said the debt is valid. 

I contacted NRA by mail ( right address is here https : //www.nragroup.com/contact.html ) to validate the debt, but they failed to respond me within 30 days. I attached the proof ( the certified mail receipt and the letter ). If the debt is valid why they don't answer my mail?

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 2020-02-06
Company: Aargon Agency, Inc.
State: OK
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:
In XX/XX/2019, I became the victim of identity theft. I tried countless times to dispute this with the XXXX, XXXX  and XXXX  and to no avail was I able to get the account removed. I then had to go a step further. I contacted my local police department to get a police report for an account opened in my name falsely. That finally got the account removed and here I am months later and the account is back on my credit and would like it removed. This account was not opened by myself nor have I ever lived at this residence. Looking at my payment history, I have never had a late payment. This has been removed once resulting in a fraud alert on my account and I would like this one removed as well.

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 2018-03-27
Company: Experian Information Solutions Inc.
State: SC
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:
THIS ISSUE IS WITH EXPERIAN REGARDING THE ACCOUNT XXXX XXXX {$960.00} BALANCE ON ACCOUNT # XXXX  IS REPORTING AS XXXX/XXXX XXXX WHICH IS FRAUD AND IT IS SHOWING ON MY CREDIT FILE, AND I HAVE NEVER HAD THIS ACCOUNT. I HAVE UPLOADED A LETTER FROM XXXX XXXX PROVING IT ON THE EXPERIAN DISPUTE UPLOAD WEBSITE AND EXPERIAN KEEPS PLACING THIS ACCOUNT BACK ON MY CREDIT REPORT # XXXX-XXXX-XXXX. I HAVE ASKED EXPERIAN TO REQUIRE XXXX XXXX TO PROVIDE PROOF AND DOCUMENTATION TO SHOW THAT THE ACCOUNT IS MINE. XXXX XXXX NEVER PROVIDES PROOF THEY ALWAYS SELECT THE ELECTRONIC WAY OF REPLY. I HAVE PLACED A FRAUD ALERT ON MY CREDIT FILE FOR A REASON AND THAT IS BECAUSE MY INFORMATION HAS BEEN COMPRIMISED IN THE PAST. EXPERIAN HAS DELETED THIS ACCOUNT IN THE PAST AND PLACED IT BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION TO ME WHICH IS AGAINST THE FDCPA & SC STATUE LAW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
REFERENCE # XXXX I was a victim of identity theft six-seven years ago the accounting question with XXXX was discovered to be fraudulent never used by me did not belong to me yes the information was similar that's why it's called identity theft XXXX recognize this they closed the account it was never reported to any of the major credit bureaus once it was discovered what it happened police reports were filed multiple letters were sent back and forth and everything was eventually resolved until about a month ago when I received the first letter from this company stating I owed them a debt I immediately sent a letter explaining what I just explained I told them unless they had some proof which I knew they wouldn't to stop all further Communications with me that I had no intentions on paying them any money they sent me another letter helping this was their proof it's just some printing information there's absolutely nothing here that we didn't already know it shows XXXX shows an account number show the balance well yes nobody 's disputing that the account was opened it just wasn't open by me and Everyone except for this company seems to understand that I don't feel they're taking this matter seriously but when you start reporting it to the credit bureaus and you start affecting my credit score it becomes a serious issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized credit inquiries on my XXXX credit from XXXX XXXX XXXX XXXX  and XXXX XXXX. I did not grant permission to access my credit report and did not select the checkbox. 
The policy clearly stated, " Please note that we can still review and consider your request for a credit limit increase without accessing your credit report. '' If you do not wish to grant permission for us to access your credit report, do not select the checkbox. '' Further more i do not have a XXXX XXXX   account or have i 've ever applied for a  account. Please remove these credit inquiries immediately as XXXX did not have my permission to access my credit report. 


XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Specialty Clothing Store Phone Number Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Clothing Store - non specific Phone Number Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Clothing Store - non specific Phone Number BYMAILONLY Address XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief