BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-06
Company: Onward Credit Holdings, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX With a line of credit from Onward Credit, you will be charged interest on the daily principal balance. The daily periodic interest rate applied to your daily principal balance will be 1.09315 % ( which corresponds to an Annual Percentage Rate of 399 % ). By making payments that are larger than the minimum amount due, or by paying your balance in full early, you can significantly reduce the cost of your loan. 

Transaction Fee When you utilize your line of credit to take out a cash advance, a 20 % transaction fee will be assessed on the amount you borrow. For example, if you take out a {$200.00} advance, {$200.00} will be deposited into your bank account and you will be assessed a transaction fee of {$40.00}. Please note that the entire amount of cash advance will be deposited into your account and you do not have to start paying the transaction fee until your next statement due date. 

Principal Balance The daily principal balance ( upon which the interest rate is applied ), is determined by taking the beginning principal balance of your account each day, adding in any new Cash Advances, and subtracting any Principal Payments received that day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Have tried multiple times to resolve this transaction with PayPal/Synchrony Bank and they do absolutely nothing. I must have submitted this dispute multiple times and they come back with some XXXX. response each and every time meant to send me on a wild goose chase. Purchased a flight in XXXX through XXXX  XXXX XXXX. Due to the pandemic, the flight was rescheduled multiple times. So per the contract of carriage, I cancelled and asked for a refund. I got the US XXXX involved in the dispute with the airline and after several back and forth attempts, the airline confirmed the refund back to PayPal for the original amount of the flight, {$780.00}. See item # XXXX attached. Attachment XXXX is the 3rd time that my dispute has come back from PayPal/Synchrony Bank and even with the airline saying they have refunded back the money, they will not credit my account. Please get this creditor to refund back the money that the merchant already confirmed they sent back. It is illegal for them to continue doing this as I already resolved this matter and I am due the money back.

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 monetary relief
Consumer complaint received 2021-11-17
Company: Experian Information Solutions 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:
Last year I discovered a false account with XXXX XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and both XXXX XXXX and XXXX XXXX they conducted an investigation. I was notified by XXXX and XXXX that the account was no longer being reported and my report was updated. Experian, however, still has not updated my report. I contacted them several times without an answer. Please help me resolve this issue 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 non-monetary relief
Consumer complaint received 2018-06-10
Company: EQUIFAX, 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:
Equifax has a glitch in their system and continues to report fraudulent information on my credit report that does not belong to me. I have tried to dispute this on line and Equifax 's glitch continues to say my personal identifying information does not match theirs. This is against the law. I even lost 31 points from my score fraudulently due to their glitch : The following accounts are not mine and do not belong to me : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX. 
3XXXX XXXX XXXX XXXX. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Td bank credit card XXXX has called my phone three times a day in a 7 day time span They have violated Regulation F in regulation f a debt collector may call you one a week i have phone records and may bring this to federal court if my account is not reopen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
Paid debt through XXXX XXXX. Was told one payment was paid that this would be removed from credit. It has been well over 6 months since Ive paid this account off. Also, it been well over 7 years that this account has been reporting. 10 years to exact. Remove!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Northeast Recovery Solutions, LLC
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A representative from Northeast Resolutions has repeatedly called myself and my family members. They ask my family members to call XXXX and say that this is an urgent message - during the call, they intimidate my family members, use incorrect information, and have called my family members multiple times over the past few days. The representative has called me numerous times and left intimidating messages threatening to come to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This vehicle loan was transferred to recovery was a voluntary return do to health issues. XXXX XXXX was paid on this vehicle by reselling it in fact the balance is wrong. XXXX XXXX offered XXXX dollar settlement. Later was a verbal phone call of a XXXX dollar settled. But only have proof of a letter stating a XXXX dollar settlement which Ill take a picture of for proof and agreed to make payments on. The balance of over 16, 000. Is an incorrect balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX Original creditor name : XXXXXXXX XXXX XXXX  ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : Online In Sv Original creditor name : 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 2021-11-30
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I had a previous HELOC with U.S. Bank since 2018 in good standing. This year I decided to increase my line of credit and submit my application again with U.S. Bank. I did not know that by this application, my previous HELOC will be closed and a new one will be open. As a consumer, I thought this will be same as when you request to increase your credit limit on a credit card. 

During the process no one from U.S Bank ( online staff and branch staff ) explained to me that this process will close the existing HELOC. 

Now they have applied the Early Closure Fee of {$500.00}

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 monetary relief
Consumer complaint received 2022-08-10
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
we get calls randomly from Harris and Harris saying they are a debt collection agency and want me to call them at such and such number ... ... ... ..We have no outstanding debt and so I know its a robo call or something. We used to get them a year ago also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Why didnt Freedom Mortgage approve me for the COVID 19 loan modification?, Im receiving unemployment.

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 2019-11-19
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Title loan
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:
For the past 14 months prior to XX/XX/2019, I consistently paid my Ally auto insurance on time to increase my credit score, usually paying more than the monthly amount. In XX/XX/2019 I thought that my payment had already been made. I didn't realize that the payment didn't go through until I noticed a 30 late mark on my credit score. The balance owed wasn't a full month due to the previous months over payment covering a portion of what was owed for the month. This was exactly 3 days after the 30 day mark. I immediately called Ally and made a payment of {$1000.00} immediately which is over 2 months worth of payments, I also filed a reconsideration request for the 30 day late mark in hopes they would remove this in good faith. In my reconsideration I offered to pay a fee to have this removed or even pay the entire balance off incase this was an incentive to have this removed from my credit. After over a month and several calls with various customer service reps I was finally denied by a customer service rep and still have never been allowed to speak with anyone that makes the decision in this entire process. I was not late due to lack of funds which I can prove with bank statements, it was a simple mistake that I need reviewed as the drop in my score has now made me ineligible to secure a home loan. This lender is notorious for ignoring consumer requests like this and reading on numerous consumer reports, they typically ignore requests unless letters are sent directly to the CEO.

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 2019-08-27
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXX and Transunion are reporting incorrectly a late payment in XXXX, 2018 on the XXXX account number XXXX. ( Please see page 2 attached from our credit report. ) The mortgage payment is due on the first day of the month. We get paid on the XXXX of every month. The mortgage payment would not be considered late until after the XXXX of every month. I set this account up on Auto-Pay to deduct the mortgage payments on the XXXX of every month, but for some reason this payment was not pulled on the scheduled day of the XXXX and consequently it was zinged as late. This was not our error. We had the account set-up for automatic payment and this was clearly a banking error. We contacted the representative and they said they would remove this late however, they have yet to do so. This incorrect reporting of a late payment is harming my credit score and this late needs to be removed from our credit report. We have contacted the ( 3 ) bureaus to remove this however, we have not been successful.

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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Several of the Bureaus have not responded to me at all on this issue however, XXXX specifically claims to have verified information that does not belong to me and I know can't be verified because I contacted the source of the information that they have listed on their website and they are not reporting this information nor can they verify it. 

The information that I am referring to is the item " XXXX XXXX Bankruptcy ''. 

Transunion and XXXX have completely ignored my request with XXXX communication to me. I am attaching supporting detail here as well that shows there is no Bankruptcy on " XXXX XXXX ' " Consumer Report for me. XXXX XXXX is the Agency all of which use to verify such information per their very own websites.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27
Company: Kashia Services
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I received a payday loan for {$400.00}. Every week thereafter they took payments from my checking account. The initial payment of {$85.00} was taken on XX/XX/XXXX and each Friday after that they took {$60.00} until XX/XX/XXXX. The total that they received in all was {$450.00}. XX/XX/XXXX, I was notified by the company that they were unable to take their payment. I responded on XX/XX/XXXX by letting them know that I was currently unemployed and didn't not have any income at this time and that I would like them to stop attempting to take the funds from my checking account. I asked them to consider the loan settled because they had received {$450.00}, that payday loans are in fact prohibited in the State of Maryland and that there is an interest cap in Maryland of 2.75 %. I also asked them to stop any collections activities. Their representative XXXX XXXX ( XXXX ) replied stating that the automatic ACH has been stopped and that I have a balance of {$960.00}. She offered me a settlement of {$720.00} ( 75 % of my " total balance '' ). She also stated that I should make arrangements to pay the loan off If I didn't they would proceed with collections activities and that I would be responsible for any court fees assessed. I replied and stated that I would not be paying that amount and that I would be bringing this issue to the attention of the FTC and the Maryland Consumer Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Joined the financial program to settled for payments of all the credit cards 5 yrs ago and completed all the settlements by paying them little by little. I thought its all done and settled until one of my credit card claims I still owe them causing that particular credit card ding my credit score.

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