BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-13
Company: U.S. BANCORP
State: VA
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:
USBank is increasing APR interest rates on customers with " Good Credit '' which I see is an unfair practice and then they will review after six months if I qualify for an APR reduction. As a good consumer, this looks like they are trying to increase their income by increasing my interest rate to 18.74 % which is unfair for someone with a credit score of XXXX. Based on the scoring models commonly used by financial institutions, my rating is considered " Good Credit ''. My payments were on time and always more than the minimum payment required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 have an acct that is being recycled by collections agencies for XXXX. It has been sold 3 times in the past year alone. I have disputed the amounts several times. The credit bureaus remove it then allow it to be added back by another collection agency. XXXX XXXX, then XXXX XXXX  and now XXXX XXXX. XXXX XXXX NEVER ONCE contact me by mail or phone and advised me they are now attempting to collect a debt that is not owed. They all are continuously violating my consumer right and requesting acct for XXXX removed PERMANENTLY. There are inaccuracies with amounts and all have bypassed the allotted timeframes to collect. They have violated several federal and state laws. I have also written SEVERAL letters requesting unauthorized inquiries be removed from my credit and still has not been done by either of the credit bureaus

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 2018-09-13
Company: ENOVA INTERNATIONAL, INC.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$950.00} from CashNetUSA on XX/XX/2017 and another {$430.00} on XX/XX/2017 and another {$300.00} on XX/XX/2017 ( in total, {$1600.00}. ) I have since repaid {$1800.00}. My balance remaining is still somewhere around {$700.00}. I was unaware that the loan would have such a high interest rate. I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I made a serious mistake by entering into a lease agreement with XXXX XXXX in XXXX NC. XXXX XXXX XXXX. At the time I went to just look around, my XXXX lease was expiring. I defiantly was pressured into this vichle. I am XXXX and the simply wore me out. The went so far as to drive me back to my home with a salesmen to pick up my puppy, so I wouldn't leave and not come back. The said they did not want anything to happen to the XXXX XXXX I was turning in. I was looking for a payment of about 260 . I finally got out about XXXX XXXX that night, with the car. When they sent me to the financial man he gave me all these papers in small print to read. I stupidly trusted him. There motto is Our customers are always for life. Now I know why. They failed to tell me I would get a bill from XXXX for XXXX because I did not buy from them, plus I was billed for some damages on the XXXX. They did not want me to go with the salesmen as I was supposed to do., to get the pay off. The knew I was going to be billed and that would have stopped me from leasing the XXXX. Instead they turned in themselves and a few days later I received a XXXX $ bill from XXXX. Within two days I receive a bill for over 350.00 + . From Hyundai. When I returned to ask about this they never told me I would have that bill as soon as I left wth the car. In addition to that I find the finance man put two warranties on the car. One for maintenance and one for one for Master tech, whatever that is. I was unaware of that. After much haggling they removed the warrantees and gave me a credit. To make matters worse my daughters company closed and she was without a job. She still does not have a job and now has XXXX and it will be 6 weeks before she can even think about it. She has moved out so I have no help from her. Now the payment was impossible. I am behind and they Want to reclaim the car. I will never catch up. I have pleaded with them as I live on SS. It's a constant battle. I returned to the dealership and asked for help. I tried to turn it in and get an older car from them. No never. They want me to lose the car so they can repo it and then sell it cheap and I would be paying for a car I don't have. I am desperate and have no where to turn to. This's lease is now almost one year old so I have two more years of torture unless I die first. I guess I would be out of the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Account Info Reference Number XXXX Court XXXX XXXX CT PA XXXX is showing on credit file after being XXXX. Bankruptcy having a negative impact on credit file. Sent letter to courts for validation no information was received. Been over XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021, Bank Of America placed a hold on my account for " fraudulent transactions ''. I cant remove the hold because I no longer have access to the phone number I registered my account with, and I was told I'd have to visit the branch I opened my account with, the problem is it temporarily closed. They refuse to let me update my personal settings regardless of me providing my personal information. They also havent sent my new debit card in the mail and it's been over 3 months. So I can't enroll in online banking neither. The hold is unneccessary, they flagged me for transfering money to my XXXX XXXX XXXX XXXX card, because that was the only way of me accessing my Funds I've been needing since they have failed to send me a new debit card. I need help updating my personal settings

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 2021-04-23
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am writing to delete the 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 Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: MOHELA
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:
Dear MOHELA/DOFED & XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be removed immediately. 

( Screenshot below )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
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: Credit inquiries on your report that you don't recognize

Complaint:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.

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 2019-10-04
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Merchants and Professionals Collection Bureau is trying to collect a medical debt incurred by my former domestic partner. On the phone in XXXX, they said the debt was for my XXXX  ; however, I have never been sent an addressed, itemized statement of charges from the reporting clinic or the collections agency. I told them I would not pay until I was sent statements addressed to me showing responsibility for the debt ; that is, a list of services and who they were provided to. After the call, they put a number of collections debts on my credit report, XXXX to be exact, that I had no knowledge of, claiming that I was jointly responsible. When I disputed the items on my credit report, they removed all debts except XXXX for an amount of {$260.00}. They have since sent me a notification saying that they have verified the credit reporting account, but, I have yet to receive an addressed notification from them or the clinic or credit agency specifying the services that I am being billed for or who the services were provided to ( i.e., my XXXX or my former domestic partner ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
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: Information belongs to someone else

Complaint:
I sent in all the proper paperwork to show i had identity theft to each of the credit bureaus months ago and they still have not removed the accounts

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 2017-11-18
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX XXXX,2017 a payment of {$240.00} was made on my student loans. The payment was made to AES success but was never applied to my account. I called and was told the incorrect account number was listed and that prevented the payment from being posted to my account. However when reviewing the payment details the correct account number is included on the payment. The representative I spoke with located the payment and said I could send proof of payment and they could apply it to my account. I sent in the documentation request but the payment was never applied to the account. I called back in and spoke with a representative who said the payment was returned on XXXX XXXX. However, prior to calling in, I received an email stating they were processing the information and would update my account on XXXX XXXX. I requested to speak with a supervisor and was connected to a lead representative who stated the payment was returned on XXXX XXXX. I then asked for a supervisor and was connected to a supervisor named XXXX who informed me that she could not verify the payment was returned and she would investigate and call me back. She called later that evening stating she was still investigating and would call back the following day. I did not hear back from her so I called back and was told no supervisor was available and I could leave a message and someone would call me back within 48 hours. I received no call back and I called several days and was given the same response. On XXXX XXXX I called in again and was told they needed an ACH tracing number to locate the payment and apply it to my account. I spoke with XXXX again and was told I would receive a follow up call to confirm receipt of the tracing number. The bank called to provide the payment information and the following day I called back in and was told by XXXX a supervisor that they never received the information from the bank. However I received confirmation from the bank that the information was provided. As of XXXX XXXX the payment has not been returned and my credit has been negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
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: Account status incorrect

Complaint:
I have sent 3 certified letters to equifax, XXXX, and XXXX  regarding the status of my XXXX XXXX XXXX. The account is marked closed when it should be reporting open and the account is reporting delinquent when the company deleted the delinquencies and also credited the account for {$280.00}, the correct amouth that should be reporting is {$510.00} not XXXX. Equifax, XXXX, and XXXX  is reporting inaccurate information regarding this account. This is a violation of the FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: EQUIFAX, INC.
State: GA
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:
Equifax, XXXX and XXXX are reporting the below student loan incorrectly and have not sent me a physical copy of a signed document showing that I opened the account specifically with this company. 

XXXXXXXXDEPT OF ED XXXX XXXX XXXX XXXX   MOXXXX  This debt is showing up as a student loan and showing that I have a credit limit that has been surpassed. I need physical documentation that would show an actual credit limit extended by this company. 

This information needs to be removed immediately from all 3 credit bureaus according to the OBLIGATIONS OF FURNISHERS UNDER THE FCRA. 

If this inaccurate account is not removed from my credit report, it will continue to cause harm upon me and I will have my legal representation file suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter in the mail on XX/XX/2021 from American Coradius International LLC claiming that XXXX has sent my account to collection in the amount {$9100.00}. I have once opened a XXXX credit account in my life, and my one and only XXXX account is in good standing. I have no idea how this outrageous amount of money was tied to my name. Seems like a feeble attempt to extort money out of hard working people. I do not have any collections shown on any of my credit reports, nor do I have any debts shown to XXXX on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had auto pay with XXXX XXXX XXXX XXXX in XXXX, CA for wifi service only for years. XXXX XXXX got sold to XXXX when my service is established and continues with XXXX without any complication to this date. 

I learned accidentally thru a credit report that I have collection posted to credit bureau last year. I found out from XXXX that Waypoint Resource group posted for XXXX XXXX - XXXX XXXX XXXX in XXXX, California. 

I contacted both Waypoint and XXXX/XXXX  and disputed the charge of {$170.00} and asked explanation how come I was not notified by either XXXX or Waypoint of such action- and do I not have the right to know what is going on on my back plus how come I have two other existing accounts for 2 of my homes with the same company if I am considered delinquent and reported to the credit bureau XXXX they were not able to explain why. 

At the end, the account was posted fully paid with XXXX balance but since Waypoint has not sent any deletion letter, the credit report still shows the collection posted on my credit report with negative impact. 

I repeatedly asked WayPoint Resource to remove /delete with letter of deletion- they declined ; contacted XXXX XXXX as well- both giving me run around for {$170.00} which is mostly their failure to collect old router when they set up new router with new company name plus all my accounts were auto pay. 

Please help remove the stigma that continues to harass me to this date. 

Please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Bread Financial 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:
I opened a XXXX XXXX credit card to get a discount on a purse for my wife for XX/XX/XXXX.  then the nightmare started!! 

I paid for the purse with the newly opened XXXX XXXX credit card The purse was out of stock at the XXXX XXXX IL store and had to be shipped to my house I never received the purse in the mail and notified the store. 

The store told me they would look into it but the color purse I originally ordered was complete sold out I had to purchase the same purse but in a different color at the store it was in stock - the store and Comenity Bank has records of the second purchase I paid for the second purchase with my XXXX XXXX credit card again and paid it off in full when the statement came XXXX said they would investigate and said the post office had confirmation the first purse was delivered to my home and left in my mail box. 

I said I live in a rural area and if it was delivered it was never received by me or anyone else in my house, and the post office would often leave packages in front of my mail box or on the driveway by the street. They said the post office left it in my mailbox. This is 100 % not true because the purse was to big to fit in my standard and only mail box. It was impossible to get the purse in the mail box!! 
What made matters worse was XXXX XXXX went out of business and wouldn't return calls or letters I sent. 
I notified Comenity Bank and they were absolutely horrible to deal with. I called and kept asking to talk to supervisors and also wrote many letters. I went on like to find out more about Comedity Bank and their reviews were terrible. They have zero empathy for anyone and are like robots. 
I asked everyone I talked to at Comenity Bank would they pay for a purse they never received? The standard reply was its not their problem. I said I wasnt going to pay for something I never physically received. 
Harassing phone calls started and kept continuing all hours of the day and weekends. They were very unprofessional and exstreamly ignorant. 
I finally had to tell them to stop or I was going to call the Police. 
I have filed complaints with the credit reporting agencies and Comenity takes it off the credit report then puts it back on. Its just a game for them This has damaged my FICO credit score and is unfair that they can and do treat people like dirt with no compassion or repect. Then they are allowed to damage their credit. I have always worked hard and paid my bills on time and do not deserve the unfair tactics by Comenity Bank. 
Please Help

Company response to consumer: Closed with explanation