BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-11
Company: Avant Credit Corporation
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
As stated in prior complaints against Avant Credit/XXXX   the terms of loan were not disclosed at time of approval including interest rate. Several payments were made and have ceased when contract was emailed to me showing rate, which I dispute and have been disputing for several years now. Avant claims I selected the loan amount as well as terms which is not correct, the amount, {$6800.00} was the only amount offered and no terms such as interest rate were selected either. The last payment was made in 2015, Avant has been reporting the account 180 days past due when last payment was made well over 180 days, this is an attempt to get me to pay the loan and also harm my credit score. The bank claims to have screen shots showing the rate/terms, none of which they have shown or proven. Additionally, the application was done electronically and nothing signed, my signature is not on any documents showing I agreed to any terms. Having said that and the fact we are not able to resolve the issue, I request Avant to close the account and send it to collections, I will work with whichever collection agency they refer account to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: MAJR Financial Corp
State: MA
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 was never late on this account MAJR FINANCL XXXX on XX/XX/2019. I alwas pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Bread Financial 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: Information belongs to someone else

Complaint:
I have made many attempts to rectify this situation with the credit agencies and XXXX XXXX This account does not belong to me. I have asked XXXX XXXX to send proof that this account belongs to me and they have failed to do that. I have submitted a FTC Fraud Affidavit to XXXX XXXX and they have failed to remove this account from my credit file. This account was not opened by me. This account is perhaps a mistake in identity or deliberate fraud. Please remove from my credit profile or provide me with proof that this account was opened by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: EQUIFAX, INC.
State: TN
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:
I have an account on my credit report with Equifax from XXXXXXXX XXXX  which is showing as a Charge-Off. I have paid this item and disputed this fact with Equifax on XX/XX/XXXX. The projected completion date was XX/XX/XXXX, and I still have not received an update on this, and it is still showing as Pending in their system ( screenshot attached ). I pulled my credit again today, and saw it still has not been changed, but states " This item is currently under investigation. '' This has been 'under investigation ' for two months! If they can not verify the information, they have a legal obligation to remove it from my credit report within 30 days of the dispute, which they have not done. 

Additionally, they are now PREVENTING me from making any further dispute, complaint or statement on this account. This affects my credit score and my ability to obtain credit. 

I want this item removed from my credit report. At the very least, it should be noted that it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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:
I opened an HSBC master card account and did a balance transfer online from another credit card to this card. As soon as the balance transfer was complete HSBC charged me a 4 % balance transfer fee that amounted to {$190.00} I had no idea I was goin to be charged. 
When I complained they said that the fee is disclosed! I can assure you if I knew there was 4 % fee I would never have done this transaction and I told them if the fee is disclosed it is definitely not in plain site it is definitely hidden and not in plain site at all! 
They said they would credit the fee back as one time courtesy that was on XX/XX/2019 it is now XX/XX/XXXX and the fee is still not credited back. I have called 5 times since and they keep telling me ... tomorrow then Tuesday then Friday then on Friday they say by the end of the business day and they will call me back or a supervisor will call me back and that never happens. I think HSBC is a very dishonest company and how they are handling this is absolutely outrageous! I want my fee back and then I am closing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/2021 I reached out to equifax about unauthorized inquiries on my report. After a slew of misinfrmation and failed security attempts, im told to send my very personal information in to prove my identity, after giving information that is listed in my credit report. There is unauthorized credit in my name and equifax is refusing to assist me in the correct direction. My information has been apart of an equifax data breach. They are absolutely rude and treat you like a criminal, while they are responsible for the leak of your information. I will fax over the items they asked so i can get this stuff of my credit that I did not authorize. Agent was XXXX in XXXX XXXX XXXX Department at XXXX today

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan on XX/XX/XXXXand got approved for the loan and after I check my email the company keep sending me a notification about my payment coming due on XX/XX/XXXX, so I make arrangements to pay a half of the loan which I got approved for {$250.00} and I paid {$100.00} on theXX/XX/XXXX so the new year comes around and I get another notification in my email on XX/XX/XXXX saying I have a payment coming due and I just paid {$100.00} on the XX/XX/XXXXit has not been thirty days for me to pay the remaining balance instead I applied for a extension until I get paid the follow month so I got approved for the extension but in the meantime they charged me {$100.00} for me to extend my extension until the next month but they did not tell me that they charge for an extension they just put it on the account at the last minute saying I knew it at beginning of the contract when I did n't not know so if they keep charging for a extension I would end up paying more than what I borrowed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Merchants' Credit Guide Company
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I mailed a certified letter to Merchants Credit Guide Co to request additional information for verification of debt, including an indication of my responsibility to the said debt ( signed contract and/or promissory note ) amongst other personally identifiable information and my relationship with the said creditor. On XX/XX/19, I received a printed itemized statement of charges ; none of which identified my responsibility to pay. I do not owe this debt and I have not received anything from the collection agency that would convince me that the debt is valid or belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 Diversified Consultants reported falsely on my credit reports i owe them a debt of {$1200.00}, i asked for written prof with my signiture on it that i entered into a contract with them for any services, they may have provided to me it's been more than 60 days and they havent provided any such documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
NavyFCU offers cardholders fraudulent promotions wherein only those transactions in excess of a certain amount are subject to a promotional 0 % APR -- say, either {$500.00} or {$1000.00} for 6 or 12 months, respectively -- but fails to specify in the terms of the offers that these promotions create a situation whereby the only way to avoid paying interest on any purchases not subject to the promotions is to pay the balance in full, including any portion of the balance subject to the promotional 0 % APR. I made 4 transactions total on my NavyFCU credit card within the past 2 months, only 2 of which were not subject to a 0 % promotional APR. Despite making payments by the due date which were in excess of those 2 purchases each month, I still wound paying interest on those purchases. I have been informed today by " XXXX '' that the only way I could have avoided paying interest on those purchases was to pay the balance in full, including that portion subject to the promotional 0 % APR, rendering the promotions fraudulent.

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 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 called Transunion and XXXX, to let them know of unauthorized inquiries on my credit reports and asked them to remove these credit inquiries from my credit profile and they refused, so I sent letters asking them to look into this matter and to remove the inquiries but to date there have been no responses from the bureaus. Since sending the letters more than 30 business days ago, they have failed to respond and honor my request. These unauthorized inquiries are negatively affecting my credit standing and ability to obtain a mortgage.

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 2021-08-18
Company: Experian Information Solutions Inc.
State: PA
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:
These company did not accurately complete an investigation for the fraudulent account on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021.

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 2020-02-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Yesterday XX/XX/2020- XXXX from Midland Credit Management , Inc. called my work number, I was on another call at the time and did not pick up. He proceeded to call my the hotline number for my department and told my coworker where he was calling from. I let him know immediately that this was not appropriate and that I was on the clock, and they should not be using any of my work numbers to contact me. He told me to give him a minute to discuss options. He kept me on the phone for 30 minutes and when I let him know he disrupted my workday and I needed to go insisted I stayed on longer. I finally got off the phone by saying I would call tomorrow on my first break. 

Today XX/XX/2020- I was unable to call on my first break because we were so busy. I planned to call on my lunch. At XXXX XXXX he proceeded to call my department hotline again and told my coworker who he was and where he was calling from, after I expressly asked him the day before not to. He again tried to insist I speak to him. At this point, I was very upset after him getting me in trouble at work the day prior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I receive daily multiple calls from this company and I have tried to tell them I am on the DO NOT CALL list. I keep asking they put me on their do not call list. Yet I still keep getting calls claiming I have something outstanding with them and they can help repair my credit. I want them to remove my number from their call list FOREVER and never to call me again. First they state they are with Helping hands and then they state they are with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received a letter from XXXX XXXX  dated XX/XX/XXXX, informing me that our two mortgage loans were being sold to Shellpoint Mortgage Servicing and that payments due after XX/XX/XXXX, should be sent to Shellpoint. 

I waited until the XXXX to hear from Shellpoint but received no further information. I called them on XX/XX/XXXX and was informed that I should wait until they send me their first monthly statement. They said we have a 60-day grace period to make payment due to the transfer of servicers. 

On XX/XX/XXXX, I received a letter from XXXX XXXX  with no return address or other contact information. This letter told me to make the mortgage payment to XXXX  XXXX  and further, said, PLEASE DO NOT MAKE PAYMENTS TO THE NEW CREDTOR. I immediately paid XXXX XXXX  electronically, for both loans. 

On XX/XX/XXXX, XXXX XXXX  returned on payment of {$1800.00} XX/XX/XXXX email today, I received an email from Shellpoint saying they have no record of my payment for loan # XXXX. There was no further information as to what property it related to or, how much I owed. I tried several times, to call Shellpoint 's contact number ( XXXX ) as posted on their website as well as on their email. Each time, an automated message told me that this is not a working number. 

AT NO TIME THUS FAR, have I received any communication ( except email on the XXXX ) from Shellpoint, to inform me as to where I should pay and what reference numbers I should use.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
This compliant is a follow-up to Square App response, they don't refund errors. I would like Square App., to return my money. I requested the name and additional information about the person and learned they were unaware of the transaction. The information, I have available states the person did not receive any money. If I don't receive my {$100.00}, I am going to file a judgement in court on theft charges. The incident happen on XX/XX/2019, my son was showing me how to use the cash app, my finger pressed the wrong number and send {$100.00}, to a unknown person. I immediately contacted my bank and explained the matter ; they reversed the {$100.00}, back into to my account. On XX/XX/2019, I received a notification, the money had been withdrawn ( again ) back to the same person. The bank informed me to contact Square App., because they requested the money ( again ). The purpose of writing this follow-up, I would like Square to show prove they deposited {$100.00} into the person account with the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
This credit card company changed my address to a Kentucky address send this lady a card on my account in the name of XXXX XXXX she charged bills at a XXXX XXXX XXXX store in XXXX Kentucky $ looks like $ at least {$340.00} reported to the 3credits bureaus that I was over my limit witch I was not they are still telling me to pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: NC
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:
Inacurrate and fraudulent accounts reported from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a Bank of America checking account in XXXX and have deposited my paychecks into it. My employer, a county Government, advised that my paychecks cleared weeks ago. I csnnot draw on the funds because there is a Hold on the funds. Calls to the XXXX BOA and customer service have not helped. I can not pay my bills. Help!

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 2019-10-12
Company: U.S. Collections West, Inc.
State: AZ
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:
Inquiry placed on my credit XX/XX/19. Called in and spoke with XXXX, she took my First, Last Name and last four of SSN before transferring me to XXXX, voicemail left, called again XXXX   informed me she was just a switch board operator when I asked her what the company did or sold trying to figure out why my credit was ran. XXXX then transferred me to XXXX, no answer, and no current answers as to why my credit was ran and what the company is.

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 2020-10-08
Company: EQUIFAX, INC.
State: TN
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:
Public records the court itself did not furnish any of this information to the credit bureaus. But what I do know is that the bureaus get public records information from companies ( a.k.a. Data miners ) like XXXX, or sometimes XXXX. These data miners are for-profit companies that are in the information-selling business. They regularly collect public records information into their database and then they sell it to the main 3 credit bureaus., because it is a violation of the Fair Credit Reporting Act to report false information .Date contact them XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One credit services ( the bank ) unilaterally changed my monthly due date without proper notice. Further, the bank charged late fees and interest to my account and refused to waive after recurring issues with its payment processing function ( s ). In previous inquiries, I asked the bank to look into and address its mobile app payment function, specifically its occasional failure. The banks response and refusal to properly remedy these concerns are catalyst to this complaint. I have attempted to resolve these matters many times with the bank and as recent as today - the banks conduct is egregious and concusses should be forewarned of its lack of service, professionalism and poor business acumen.

Company response to consumer: Closed with monetary relief