BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-18
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: Personal information incorrect

Complaint:
Equifax displays false information regarding my name, address and employer. I have contacted them multiple times, disputed the information multiple times and they refuse to update them. My credit Card company has even tried contacting them and they refuse to update. 
I have sent them W2 's Paystubs all proven my legal name address and other information and they claim its false. THey're in direct violation of the fair credit reporting act and they dont care. 

They claim my W2- is not accurate... So The IRS my job SSm XXXX, XXXX XXXX XXXX XXXX, XXXX are all wrong but they ; re correct. 

THey're screwing with my life... with an inaccurate report, I cant get a first-time home owners loan. 

The only information they will use to update is based on creditors...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went to the this location to close an old checking account and request a new account and I ask to speak with Personal Bank not a Customer Services Representative the Representative XXXX XXXX NMLS # XXXX claim that she close my account and transfer my {$1800.00} to new account of Convivence Check and to leave {$69.00} in the for any pending transaction I explain to the XXXX that I need my debt card and she issue me so she gave me a temporary debt and I explain to this Customer Services Representative that I need my debt card. Because the Customer Services Representative was acting like a Personal Bank she did not process the debt card correct I went to use the debt card to pay for my Transportion back to XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX and it declined my transactions and when called the branch the could not explain why it did not work or why it was decline and I called Customer Number on the back of the card and XXXX the customer services represented informed that they could not see any other card that was issue to me temporary nothings. Is it legal for tellers and Customers Services to handled Personal Banking Matter with customer especial when you have request a personal bank is this legal? All misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulatons

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, 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:
XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX RE : PERMISSIBLE PURPOSE To whom it may concern. 

I, ( XXXX XXXX ) never gave ( XXXX, XXXX, Or XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXX XXXX XXXX Unverified Account Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, LVNV Funding, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment.

If you can expedite this request to look into this matter for me, I would really appreciate it.

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: JPMORGAN CHASE & CO.
State: OH
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:
As of today, I received a letter from Chase Bank on my XXXX  account. They are raising my interest rate on future purchases. I have never missed a payment, gone over the limit, and have honored my end of the agreement since day one, and I have been a customer for over 10 years. 
I immediately called to inquire as to why this was happening and was told it was a just a company wide " business decision ''. Furthermore, I inquired as to how payments are applied and was told any amount of payment over the minimum, after interest is paid, is then applied to principal with the LOWEST interest rate first. 
This is simply not acceptable, and I see this as a predatory lending practice. Changing the terms of agreement in any business relationship without cause is simple greed and bad business practice. I asked to reject it, and they reminded me I a can close the account, of course per the card member agreement that would allow them to demand the balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/19 I contacted OneMain Financial for an installment loan of {$1000.00}. I specifically specified that I only wanted an installment loan of no more than {$1000.00}. I made it clear four times that I didn't want a title loan, and therefore not to run my credit report if it was going to be for the purpose of a title loan. When they got back to me, she said I was approved for a refinance on my title loan. I had been clear that I didn't want a title loan, yet they ran a hard hit on my report. I did not accept their title refinance loan. Please support my case against Onemain Financial. XXXX XXXX deliberately did a hard credit report inquiry against my permission and after their supposed credit approval tried to sell me to a title loan that was indeed a refinance to my existing title loan. At the start of the process, I made it super clear that I did not want a title loan and that I only wanted a {$1000.00} installment loan and definitely not a title loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have repeatedly complained to Barclay Bank and via the XXXX XXXX XXXX : I am a XXXX  in the XXXX and my husband is a XXXX XXXX XXXX. We moved to XXXX in mid-2019 and have been experiencing financial hardship. I have demanded that Barclay Bank close my account, lower the interest rate, and place me on a financial hardship repayment plan : they have refused to do this, except for deciding to close my account and do none of the other actions. I did not give them permission to simply close my account : the closure was only authorized in conjunction with the other actions. My husband and I are attempting to get ahold of our financial situation and, during this pandemic, Barclay has repeatedly disrespected us by refusing to follow instructions, refusing to permit reasonable requests, creating bad faith arguments, and refusing to allow us to do what literally every credit card issuer of myself and my husband has permitted. I should not be subject to the arrogance and indifference of this bank, with respect to the XXXX XXXX salaries that both my husband and I have. I made a reasonable request of the bank -- to pay in full, but with lower interest rates -- and they have unreasonably refused.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This is incorrect reporting. It has previously been removed from my credit report because it is inaccurate information. Now, it is being reinserted. 

XXXX XXXX Account Number XXXX Account Type Credit Card Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details - Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$5000.00} Past Due Amount - High Balance {$6300.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Ownership Individual account

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: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive services on the date that the company is stating. I have disputed multiple times as well as asked for a summary of services to see exactly what I am being charged for because I was not seen. I did not receive anything from this stating I even owed anything, the only reason I found out about this collections was due to the fact that I checked my credit report and saw this on my credit report. I have not received any information as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
2 weeks prior to my due date with Vanderbilt Mortgage, I inquired about a 12 hour difference in payment. my payment is due on the XX/XX/XXXX of every month for {$1300.00}. I inquired about a payment arrangement in which they informed me that I have 15 days before a late fee is charged and 30 days before its reported to the credit bureau. my loan was paid at XXXX on XX/XX/2019. it was paid 12 hours and 39 minutes past its due date and Vanderbilt not only reported to the credit bureau, but caused my loan to go into the deficit mode AND caused my credit score to take a 3 point hit. if they had told me this to begin with, I would have just paid it and let my bank account overdraft. I work too hard for this to happen. I have NEVER been late on ANY payment and because of 12 hours and 39 minutes, they reported to the credit bureau after me speaking to 3 different people telling me that I would neither have a late fee nor have an issue with my credit being affected. now, im worried about how this is going to effect me when I go to refinance my home in a couple of months because now, after a year with my home, I have my first ever late payment/credit report on ANYTHING ive ever had. i believe I was lied to, deceived and cheated out of my good score and reporting. I believe under the UDAAP, I was treated unfairly and deceived. I am NOT happy and will be reporting them to the XXXX as well. please get back to me ASAP as I am furious.

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 2020-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020 I temporarily lost my job due to the COVID 19 pandemic. This means that it became legally impossible for me to fulfill my contractual obligations to capital one of continuing to  make my monthly payments. I informed Capital one that I would be out of work because my place of employment closed down. However, I indicated that I could possibly return to work in XXXX. The representative said that Capital One would take my minimum payment to XXXX  in a temporary basis. The representative said that if my situation did not change I could contact capital one again. On XX/XX/2020 I called capital one again and tried to inform an individual whom I believed to be a representative/agent of the company that I would not be returning to work until XXXX but would make every effort to pay all of my balance off as son as I recieved another paycheck in XXXX. The representative was quite rude which I admonished her for. She eventually hung up in my face and did not note the phone call ( her words ). In effect I was unable to verify whether my payments would be deferred or brought down to XXXX. On XX/XX/2020 capital one applied a late fee to my account because I could not make a payment because I was unable to leave the house, go to work and had no money due to the COVID-19 pandemic. I was unaware at the time that the late fee was applied to my account. On XX/XX/2020 after my state opened up and after I was able to return to work and pick up my paycheck, I paid Capital one {$130.00}. I followed this payment with another payment of {$130.00}. I began making these larger payments pay off my entire debt to capital one. I then noticed that I still had a due balance of {$170.00}. When I checked my statement I realized that capital one had been assessing late fees to my account even though the company had been made aware of my financial situation and the fact that my ability to pay at the time the fees were applied was impossible. As an aside Impossibility is a  legally recognized reason for an individual not being able to fulfill their end of a contract. A global pandemic and jobless most certainly counts as impossibility. On XX/XX/203 I called Capital one and asked them to either waive or remove the {$25.00} fees as they were unethical and it was impossible for me to pay at the time they were assessed. The representative refused. I spoke to a manager and the manager refused and said that he was at the top of the customer service hierarchy and there was no one else I could talk to and Capital One would under no circumstance reverse the {$25.00} charge. I told him I would be reaching out to corporate and filing a complaint with the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. Bank of America will be civilly liable under Title 15 U.S. Code 1692k if Bank of America failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Audit trail credit application Respectfully XXXX XXXX, XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been trying for YEARS to get Fedloan servicing to set up a income based repayment ... For some reason it is always stalled out, or can't be processed, or needs more documents, or a signature is missing, even though I am doing everything they ask or tell me. I keep having to put my loans in forbearance which accrues interest and nothing is ever resolved. I have spent hours on the phone, I've tried the website, it just never works. This is the most ridiculous process I have ever seen. I am certain I am not the only person having this problem. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: Home Loan Center, Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
ON XX/XX/2019, I APPLED FOR {$800.00} LOAN AND WAS APPROVE, REQUIRES 200 CREDIT INSURANCE SSCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CCS Financial Services, Inc.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have mailed and tried calling the company to get more info on why this debt is owed. I've attached proof and info that is needed in this complaint. Never got the response from them after I sent certified mail. Filed a complaint case number XXXX and they wanted to see my credit report with it on there for proof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: EQUIFAX, INC.
State: HI
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:
This is like an endless circle now. XXXX has place yet another new inquiry yet again it shows as a hard inquire when it should be a soft, once again like all five they have done on my Equifax report the inquires they are doing are missing a reason code Equifax requires a reason code to properly categorize the Inquire once again XXXX is not providing the reason code to Equifax so they are unable to categorize it properly. They did this on XXXX the again on XX/XX/XXXX then again on XX/XX/XXXX then again on XXXX and then again on XXXX. This has been going on for a month now!!! Take immediate actions to correct these inquires so they can be categorized properly. You are in violation of the FCRA until you provide Equifax a reason code so they can properly make the soft inquires. You did not have my permission to run a hard inquire. Every time I tell you about the last one you did a new one shows up!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a Synchrony Bank Stein Mart credit card. In XXXX, XXXX I received a bill which included a charge for $ XXXX.made on XX/XX/XXXX in XXXX XXXX , CA. This was not a charge I made. I contacted the credit card company and explained the situation. The credit card company explained that there were several attempts to charge on this card and that they had closed it due to suspected fraud. 

In the following weeks, I received a questionnaire regarding the disputed charges. I filled this out and returned to the company ( unfortunately I did not keep a copy ). 

Today I received a " Claim Review Completed '' form from Synchrony Bank indicating, " The Synchrony Fraud Team has reviewed your claim and is unable to approve it for the following reason ( s ) : You authorized, participated in, or benefitted from the purchase. '' I was never in XXXX XXXX in XXXX, nor did I charge {$500.00}. Synchrony Bank should be able to easily verify this as they are already aware of several other fraudulent attempts to use this card on that same day. I feel Synchrony Bank has acted in bad faith in the following ways : First, they were already aware of fraudulent activity on my card, yet sent me a bill for transactions they already suspected were fraudulent. Secondly, they have denied my fraud claim. I have been cooperative with Synchrony Bank and reported this fraudulent charge in a timely manner. I do not understand why they refuse to acknowlege that the charge is fraudulent.

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 2018-03-16
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 is missing that should be on the report

Complaint:
Transunion, XXXX, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : 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 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 explanation