BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I reached out to the companies and they approved to update and correct the accounts on my file. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that these accounts be thoroughly investigated and updated for proper and legal accuracy. Please fix the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-21
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Theres a medical charge on my credit report in collections for XXXX I attempted to dispute this charge several times and they aware that I owe the debt this is a HIPAA violation please access my credit SS 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 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
When contacting Capital One about receiving a goodwill adjustment on an oversight by me as well a login error by them I was advised that my account did not qualify for a goodwill adjustment and that I could not be told how to quailfy for a goodwill adjustment. I have been a customer of Capital One for 7 years with 2 credit cards and have never made a late payment outside of one on either account. So when asked why I dont qualify or how can I improve on my account so I can qualify I was told that is proprietary information and I could not be informed of that information. Based on my relationship with Capital One I don't understand how I don't qualify and how they can have standards that is not shared with consumers. This allows for discrimination and unlawful practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27
Company: BANK OF THE WEST
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid Bank of the West, XXXX, California the amount of {$16000.00} ( by check ) to pay off an RV loan on XX/XX/XXXX. After waiting for 3 weeks for the paper title, contacted the Texas Department of Motor Vehicles ( Texas DMV ). Was told the lien still existed on the loan. Contacted Bank of the West and was informed the electronic release had been submitted on XX/XX/XXXX. After multiple conversations back and forth between the bank and the Texas DMV on a weekly basis between XX/XX/XXXX - XX/XX/XXXX, I still have not received the paper title for the vehicle after waiting 8 weeks since the loan was paid. I have twice escalated the issue to a supervisor at Bank of the West but no progress has been made to provide the electronic release of lien. Bank of the West indicates this is an issue with their 3rd party company that handles their e-titles but have been unable to resolve the problem. Each time I have contacted Bank of the West, the hold time for customer service is between 30 minutes and one hour and 13 minutes. These hold times are unacceptable.

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 2022-08-08
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my 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 2018-02-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My wife and I have been purchasing from XXXX XXXX for many years and we normally take advantage of the zero percent interest promotions that are offered through XXXX XXXX/XXXX XXXX. Late last year we purchased a new dining room table and selected the " Zero Percent Interest '' promotion if the full balance is paid by a certain date. Each month we made payments as usual and as the promotional end date started to get close, our monthly statements started to warn us in red text that the balance due for that promotion was about to end. We received our XXXX statement a few months ago and on the front page in RED TEXT, it's clearly states that we had to pay {$830.00} by XX/XX/XXXX in order to avoid accrued interest charges for our purchase. Soon after we submitted payment for that exact amount and it was received by XXXX XXXX on XX/XX/XXXX. Five days before the due date. 

Now we are in XXXX and our latest XXXX statement shows that we didn't pay the correct amount in order to avoid massive interest charges and that our payment was short {$95.00} for a unrelated promotion. I called XXXX XXXX/XXXX Customer Support and after speaking with multiple agents and a supervisor for over an hour, they insisted that my latest statement is correct and there was nothing they could do to help me out. 

Its very clear that we followed the payment instructions perfectly so Im requesting an adjustment to my XXXX statement for these unsubstantiated charges. I look forward to a resolution that is fair as these finance charges are unwarranted. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: SYNCHRONY FINANCIAL
State: NV
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 was sent invoices in the mail from JCpenny 's. In 2019, I had a roommate who had stolen my information and had opened lines of credit. I don't know which one, as it was 2 and both parties denied it, but I did file police report, etc. For our household, we all had copies of the mailbox key, front door key, etc. As of now they no longer live in my home due to this however, it was going on for months and I had no clue regarding it. This is one of those accounts. I did not open this account and with respect, would never. Not for a few hundred dollars when I have credit cards with large limits.

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 2019-08-17
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan in XX/XX/2018 from Advance Financial to assist with financial issues and took out the amount XXXX but after fees and how they setup your biweekly payments only a small amount goes toward the principle which makes it impossible for payoff. Several complaints from others said the same thing. This company is awful and many are seeking some type of lawsuit for their predatory lending practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-10-20
Company: EQUIFAX, INC.
State: TN
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 sent requests to both XXXX and Equifax for the original instrument of indebtedness to prove I owe over {$10000.00} in student loan debt. It has been over 30 days and I have not received it. I have called Equifax to have the debt removed and they have refused and can not tell me what information they have been given to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.

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 2023-02-25
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.

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 2022-10-20
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am interested in disputing the inaccuracies on my credit report with Experian.

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 2019-08-17
Company: EQUIFAX, INC.
State: FL
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:
I’m in the process of getting my house refinance with XXXX  For the last two weeks they have tried to pull my Equifax report without success. Each time it gives them error code XXXX. I called Equifax several times for help and they told me there’s nothing they can do for me. This is my last step to try to close on this loan. I hope you can get Equifax to fix this error that’s preventing XXXX  from pulling my credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: NEW YORK COMMUNITY BANCORP INC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/2023, I requested a detailed description and/or detailed statement, including outlining the amounts for each adjustment listed in the quote. These descriptions and amounts as they are currently listed are vague. Also, I would like to know why such an exorbitant amount is being applied to total late charges? Because I paid for all the above, please also provide a copy of the Title/Appraisal as listed in the quote. 

I sent a letter to Flagstar via certified mail which was received by them XX/XX/2023.

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 2023-02-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I noticed an increase to my Annual Percentage Rate to 29.99% for my American Express "Classic Blue Cash for Business Credit Card." I use this card for business expenses only. To my knowledge, I never received word that the rate would be increased by so much, and without a reason, based on my conversation by phone with a American Express representative. The "best she could do" was lower that rate to 19%, which is still significantly higher that previously. My recollection is an initial rate of approximately 14%. I've had the card for several years, and remain a customer in good standing with American Express (35 year Amex customer). Do I have any recourse to what seems to me to be price gouging? A phone conversation with American Express did little, except to tell me like it or leave it. If this kind of price gouging continues to be deemed acceptable to American Express, I have little choice but to pay this card off and take my business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2021, I was " turned down '' a new cell phone offered by " XXXX '' because of false/incorrect information on my " Experian '' credit 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 2018-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had a bank of America credit card and have gone through financial hardship and have been late making a few payments

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 2021-03-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Credit Management has acquired a debt I incurred with XXXX XXXX. I believe this is for a XXXX credit card account with XXXX  as the issuing bank. 

Due to loss of job and income shortly after the Covid epidemic began, I have been living entirely on Social Security for the past year. This is subsistence-level income and has caused me to default on debts that, until a year ago, were up-to-date. ( My credit score a year ago was around 775. Now it is below 500. ) In a letter dated XX/XX/2021, Midland gave me until XX/XX/2021 to settle the XXXX account or face " possible litigation. '' The amount demanded by Midland is {$7700.00}. My XXXX credit card had a credit limit of either {$2500.00} or {$3500.00} -- I do not recall which. Assume {$3500.00} for the moment. The account has been in default since sometime last summer. That's about 8 or 9 months. Even with interest and penalties, there's no way that a {$3500.00} original balance can more than double in less than a year. I believe {$7700.00} is a fraudulent amount. 

Midland has a history of such behavior, for which CFPB has sued them twice. The second lawsuit I understand is because they violated the consent order from the first lawsuit. 

I have no explanation or itemization of the {$7700.00} amount from Midland. Previously I received itemized statements from XXXX, but those statements reflected charges, interest, and fees in proportion to my credit limit. 

Please demand that Midland provide a detailed accounting of how this balance was derived. Furthermore, if CFPB finds that Midland 's behavior in this matter violates the FDCPA or previous consent orders, please require that they desist from the collection of this debt. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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/22, I payed ( {$1500.00} ) for what I thought was a condo rental in Florida, after emailing this company and the ACTUAL owners of the condo we found out it was a scam, I emailed them to cancel the fake reservation, I called the bank and filed a fraud claim on XX/XX/22, on XX/XX/22 they returned the money, then on XX/XX/22 they sent me an email saying they were reversing the charge as it was an valid transaction because the " merchant '' told them i received the goods. I asked to be shown exactly what the merchant said they sent because there were no goods to receive, after an hour on the phone with the fraud department they told me there was nothing they could/would do. Please help! I have accounts with Capitol One because I thought they would keep me sage in my spending and this is just not right, I have sent all the emails and documentation and still nothing.

Company response to consumer: Closed with explanation