BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-26
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, I received a notice that I had paid my mortgage short for the XXXX XXXX statement. I sent in the remainder of the payment amount and upped my mortgage payments to cover the new higher amount. 

Today, while speaking to customer care about an amount due, I found out that my mortgage amount had actually gone up in XX/XX/XXXX ( XXXX XXXX statement ) and no one had told me. Speaking to customer care it became apparent that they were not sending me my e-statements or notices of said statements. They also did not send me my escrow analysis. 

The customer service agent was unable to find the statement I had paid short or explain why they were charging me an additional overage. They would not transfer me to a supervisor to discuss the issue. My statements prior to XX/XX/XXXX were unavailable online. Checking my email history ( including trash and spam ) I was only able to find one notice that they had ever sent regarding an e-statement online. Checking their electronic statement option, it did not have a disclosure that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 the debt, and received documentation confirming the debt was paid in full. but the debt has not been removed from my credit report. when i called the creditor they advised me to call the collector. when i called the collector they advised me to call the creditor.

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 2022-04-01
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS.

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 2022-04-01
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
Sent numerous notarized interventions to this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to this erroneous account with any validation and/ or removal of account. Filling a XXXX  complaint against this creditor as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: ENOVA INTERNATIONAL, INC.
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
They charge daily interest and there is no early payoff. So paying small payments prior to payment due dates should lower amount owed and interest calculated. however I paid {$200.00} couple days ago only applied {$180.00} to balance no explanation. Week before made 2- {$40.00} only owed balance owed by {$28.00}.

Today paid a {$12.00} only adjusted balance by less than a dollar.

They already charge an outrageous interest rate but if they are not applying the full payment to they are charging me interest on money paid that is fraud and wrong!!

they have not responded to 2 of my information requests.

below is pulled directly from a test I did to see if I was being screwed no payments affected any interest. That is wrong! 
Date Description Reference # Amount XXXX Payment XXXX {$75.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} XXXX Payment XXXX {$20.00} Interest Charged Date Description Amount XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00} XXXX Interest Charge {$12.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Discover notified me this morning that someone tried to open a credit card with my information including my social security number. They were suspicious and reached out to me. They denied fraudulent credit card account and advised me to follow up with a credit bureau and get an alert placed on my credit. I then saw I should report the problem to you so am doing so now. I do want to thank Discover for being proactive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
Received a promotion through the mail from American Express on or about XX/XX/XXXX, offering 0 % interest for 12 months. I enrolled on XX/XX/XXXX. I received a an email on XX/XX/XXXX, confirming my enrollment. I had charged {$870.00} on XX/XX/XXXX and {$230.00} on XX/XX/XXXX thinking that I had 12 months to pay the balance without incurring interest. I had also made a payment on the account on XX/XX/XXXX of {$170.00}. 

On XX/XX/XXXX, I downloaded my billing statement dated XX/XX/XXXX. It contained a {$14.00} interest charge. When I called American Express, they told me I had enrolled a card ending in XXXX and charged the purchases and payment to my card ending in XXXX. 

I only have ONE American Express card and it ends in XXXX. Although American Express said the XXXX account was opened in XXXX of XXXX, I never received a card for that account! The promotional letter did not state a card that the promotion was for and because I only have one card I assumed the promotion was attached to that card. 

As far as I can tell, the XXXX account was opened by American Express without my knowledge or consent. That is illegal! At this point I have CANCELLED all American Express cards in my name. As a result, I now have an unexpected payment of {$930.00} in order to avoid future interest charges. I have scheduled payment to be made on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There is an account on my credit report with the name of XXXX. It says that it is an auto loan. I have never had any dealings with XXXX. I have asked the credit bureaus to investigate this information but they are not doing the job. This is hurting my credit report a lot and i need this deleted!!!

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 2022-01-09
Company: Genesis FS Card Services, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2021 I was informed that a credit was opened in my name the listing read XXXX XXXX on my credit report, I contacted the company and was informed it was a credit card issued in my name for {$6000.00}. I informed the company my identity was stolen and that I had no knowledge of the credit acquired in this store at all nor did anyone have access to get said credit in my name. It is now under investigation and I hope it can be resolved as I have now had to place a fraud report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: EQUIFAX, INC.
State: NY
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:
The reason for this complaint, is because Equifax has repeatedly failed to address my concern and are acting in negligence. An account reporting on my Equifax credit file by the name of XXXX XXXX XXXX has been disputed numerous times for lack of validation. I have asked Equifax to conduct a reasonable investigation to which I receive automated responses stating that the account has been verified. See attached Confirmation # XXXX I have reached out to XXXX  XXXX XXXX to resolve this dispute to no avail. My last attempt was dated on XXXX XXXX where I made a request to XXXX XXXX XXXX to validate the debt. I never got a response. 
Letter sent on XX/XX/XXXX to Equifax to investigate the fraudulent account XXXX sent on XX/XX/XXXX to Equifax to re-investigate the fraudulent account Letter sent on XX/XX/XXXX to Equifax to request how the account was verified. 
Letter sent on XX/XX/XXXX to XXXX XXXX XXXX to validate the debt. Never got a response. 

I have done my due diligence to reach out to the creditor and Equifax, but I have yet to see any form of validation for this debt/account. If this complaint does not resolve my request, I will move forward and file a claim in the XXXX District Court of New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Colony Brands, 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:
on my credit report there is an account that is still showing on my credit file that was opened by now ex- husband and the company will not remove it from my credit file ' and the account is over 10 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: FL
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:
IN ACCORDANCE WITH FCRA XXXX, REPORTING AKA 'S AND ALIAS NAMES AND ADDRESSES UNDELIVERABLE TO ME, ARE VIOLATING MY RIGHTS. 

15 USC 1681 602A I HAVE A RIGHT TO PRIVACY 15 USC 1681 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNTS WITHOUT WRITTEN INSTRUCTIONS. 

NAMES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX EMPLOYMENT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-10-26
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I contacted simons agency on XXXX XXXX 2017 after numerous accounts were reposted by this company. after reviewing my bankruptcy filing I noticed that all of the listed accounts were included in my bankruptcy and only the service date was changed to make them appear to have validity. I spoke with XXXX XXXX who told me that I would be jailed if I reported this which is in clear violation of FCRA regulation. XXXX also misquoted FCRA incorrectly and attempted to badger me when he was corrected. XXXX was also advised that since the information was disputed well over 30 days ago and they did not provide documentation within the time allowed under 13 U.S.C and 15 U.S.C. that they must remove the information disputed. he refused and instead lied and stated that they were not required to provide a validation of the debt and could do what they like.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Experian Information Solutions Inc.
State: IL
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/2020 I sent out a letter to XXXX XXXX, XXXX and Experian, notifying them that after checking my credit report there were several credit inquires that I did not authorize on my credit report. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days i sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.

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 2020-12-20
Company: EQUIFAX, INC.
State: IL
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/2020 I sent out a letter to XXXX XXXX, Equifax and XXXX, notifying them that after checking my credit report there were several credit inquires that I did not authorize on my credit report. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days i sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Consolidated Information Services Solutions, LLC
State: IL
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 just received an alert that Cis Inc XXXX, NJ XXXX made a hard inquiry on my credit. This is completely unauthorized by me and I have no knowledge of why they would make an inquiry into my credit. 

I can be reached at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was advised in XXXX by FedLoan Servicing that if I continued having financial hardship for 5 years straight that my loan would be forgiven. In XXXX, I received notice that my student loans had been added to a class action lawsuit out of California and I had to complete necessary paperwork to continue to be added to this suit. I did that. Then I was advised that my schools where closed and I would be forgiven for that reason. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  ) Then I received a message from FedLoan Servicing stating that I had been awarded to have my student loans forgiven as of the XX/XX/XXXX class action lawsuit and that the loans would be removed with 12weeks. Well, it has been over two years and still nothing has been done. Now, when I call FedLoan Servicing, depending on who I speak to they tell me, that my loan has been pushed out into some status until XXXX to give them time to get it cleared off my credit and another person will say they are not responsible for the clearing that the Department of Education is responsible for clearing this debt. No one is taking care of the matter and all I am being told is lies and deferments. 
I am a veteran, I went through XXXX years of XXXX XXXX  and inability to XXXX XXXX XXXX because of issues from XXXX XXXX XXXX XXXX that still no one wants to own up to. To have this is just an insult to injury. I have taken every step that I was asked to do and I expect FedLoan Servicing and Department of Education to do the same. Thankfully, nothing has ever been reported that I was in default on my loans but to still have this debt over my head from institutions that I can not even have/ show credit of education from is not fair. It is as if I spent all these years in school only to have no proof other than XXXX in debt that was to be removed and still has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Express Recovery Services, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I went to the emergency room at XXXX XXXX XXXX in XXXX, Wy ( I dont know the dates of service as I have not been told ) At the hospital they never asked me for any demographic information or to verify my information. The only thing they asked for was my name and date of birth. Then back in XX/XX/2020 I received a call from a debt collector at Express Recovery Services. I told them I never received a bill from the hospital and I didnt not know what the bill was for. I then updated my address and gave them my insurance information. From that day I have not received any calls or letters. I reviewed my credit report and they are reporting to my credit. I called them on XXXX stating I have not received any calls or letters. They argued that they are sending letters and there is nothing they can do. They also never notified me that my insurance denied and I never received a letter. I called the hospital and they said due to the time of night there was no one there to get your information and there is nothing we can do I am disputing this debt and report on my credit as I was wrongfully sent to collections and I was not sent any letter and only received one call where they did not even verify the balance or what the service was for. I have absolutely no documentation as I have not been sent one bill or notice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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/2020 I was alerted to a new account showing on my Credit Report. This new account was the result of Fraud and Identity Theft. 
I contacted the lender ; XXXX, XXXX XXXX XXXX and reported this theft. I also mailed in the FTC theft report to XXXX and a letter stating the theft and requesting it be resolved. I also filed an Identity Theft report with the FTC. 
XXXX reports to TransUnion. However TransUnion has failed to remove the fraudulent account information from my Credit Report. 
The account went delinquent around XXXX, and has now gone to a collection agency and that is also showing on my credit report. 
Clearly the system is broken.

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