BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: ENOVA INTERNATIONAL, INC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
My credit limit was {$3200.00} and its showing much more than that which is incorrect. I get paid once a month and my payment should reflect that as which was stated when I applied for the loan. Ive sent numerous emails and spoke with many representatives and added the multiple paystubs for the past three months and this circumstance is still UNRESOLVED on your end. 

It was my understanding as applying for the loan I would be making one payment according to the Line of Credit Utilized ( {$3200.00} ). 
Im unhappy with the lack of follow through on your companys end and no timely response to fix this mistake of a loan and how its being handled. A ) One Payment Date : End of Month ( I GET PAID ONCE A MONTH ON THE LAST DAY OF THE MONTH - as specified in my loan application ) B ) MY LINE OF CREDIT SHOULD BE {$3200.00} NOT {$3600.00}. 

Since this has not been rectified on your end after calling and many email threads Im left with no option. Therefore, Im contacting the XXXX XXXX XXXX, Federal Trade Commission, Federal Reserve Consumer Help, Consumer Affairs, and Washington State Department of Financial Institution to forward my complaint about XXXX XXXX XXXX XXXX, the parent company of NetCredit and the XXXX XXXX and XXXX XXXX. 

I hope there is an immediate resolution. My banking records with XXXX XXXX shows the exact deposits which are {$3200.00} for the XXXX. Im also aware that Netcredit is violating my home state 's usury cap of 12 percent, which applies to all consumer loans except those made by licensed finance companies, car-title lenders, payday lenders, credit card firms and banks. Net Credit HAS NO WASHINGTON STATE LICENSES. This is a major concern and violation. I would hope my payments would reflect THE LEGAL Stipulations from my State. As it seems your business practices on Loan Terms IS NOT VALID. I will pay my obligation once your company addresses my concerns and updates the Legal Payment according to the 12 % Usury Law of the State of Washington. Your Company is a Predatory Lending Company that is Charging Unforseen/Hidden Fees and Outrageous Triple Digit Interest to people who are struggling!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Last month I paid off my entire balance on my Capital One credit card. At the time, the balance reflected on the Capital One website was {$2400.00}. I paid the entire balance on XX/XX/XXXX.

A full 10 days later I was still charged {$31.00} for interest. This was not reflected anywhere on the website statement at the time that I had paid my balance. I did call Capital One to let them know this and requested a credit of {$31.00}. They refused stating that this was interest already accrued. However, I stated to them that this should then be reflected on their website for pay off. The associate agreed that this was a flaw on their website and that he would mention this to senior management. The call was escalated. However, the second individual also refused to credit the {$31.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I bank with USAA and have for years. When I check my XXXX  score under the VISA account they show a XXXX  score of XXXX. XXXX  for a very long time has reported my XXXX score as above 800, currently, XXXX. When I complained to USAA they told me that is what is reported by the credit agency, which would be XXXX. I wrote a XXXX  complaint and received a call from USAA that I have to take it up with XXXX. I called XXXX today XX/XX/2021 and I was told that they show XXXX score XXXX. I know that XXXX  uses XXXX XXXX and that is the only number or model that they use. USAA uses XXXX XXXX, which is not reported by XXXX. With a score of XXXX, I firmly believe that USAA under reports so that they can use a higher interest rate if I was to obtain a loan from USAA, which I am not. All three credit reporting agencies all show above 800 and I understand that they may be different and obtained differently, but if XXXX  only reports XXXX  XXXX and shows my score on their website as XXXX then USAA maybe under rating everyone that banks or obtains credit/loans with USAA. I believe it worth a Class Action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: NV
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 received a response from XXXX XXXX and I am not satisfied with the response from XXXX XXXX. XXXX XXXX denied my request to remove a 30 day past due on my credit report. I attempted to make a payment using my phone and I thought the payment went through to my knowledge but it didnt as I later found out. XXXX XXXX website has been down multiple times over the past couple years and I believe this was the source of the problem. When I finally found the error in nonpayment - I posted a payment that was I believe 31 days late and I paid the current bill. I recently changed my cell phone and XXXX XXXX was unable to reach me to notify my of the late payment. XXXX XXXX is purposely trying to keep this damaging information on my credit report when I was only 31 days past due. 

XXXX XXXX is not being truthful when it states the customer has received two invoices to advise of the account 's need for payment. No late payment notices or invoices were sent to my current or previous address. I have never been 30 days past due on any of my previous payments to XXXX XXXX in the past 4 years nor have I been late on any bills for the past 10 years. It is disheartening to learn XXXX XXXX has such a hardline attitude towards the circumstances of my situation.

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 2019-05-22
Company: Experian Information Solutions Inc.
State: MO
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/19 I contacted XXXX XXXX XXXX regarding 4 inquires on my credit report that were processed within a 30-day period by the same company. I was directed to contact XXXX XXXX to ask them to remove the unnecessary inquiries that resulted to their clerical error. I contacted XXXX XXXX on XX/XX/19 via telephone and on XX/XX/19, XX/XX/19 and XX/XX/19 via email to the Vice President XXXX XXXX and Assistant Vice President XXXX XXXX. Both individuals have refused to address my concern about their companies excessive inquiries. I did not authorize this company to run my credit 4 times within a 30-day period. I feel this company has discriminated against me by running my credit 4 times without a valid reason. My credit report did not change within that time frame and this is not typical in the mortgage industry with the exception of minorities applying for mortgages. I have requested the company to remove the extra inquiries from my credit report as they only needed to review my credit once to determine if I qualified for a mortgage loan. They have refused to remove the additional inquiries or provide an explanation as to why they needed to review my credit 4 times within 30 days. XXXX and Experian have also refused to address the issue stating I need to resolve it with the company that ran my credit. This practice against MINORITY applicants must stop!

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 2019-09-05
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AS I HAVE PREVIOUSLY REQUESTED TALBOTT ADAM PROVIDE ME WITH A COMPLETE DETAIL OF ITEMS I PURCHASE REGARDING THIS DEBT I AM BE ACCUSED OF. I NEED A DOCUMENT WITH MY SIGNATURE STATING I OWE THIS MONEY TO TALBOTT IN THE AMOUNT OF {$450.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: IA
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 sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a copy of my credit report. I noticed several collections accounts reported by First Federal Credit Control for alleged medical debt. I wrote a letter to this collection agency onXX/XX/XXXX and sent it to them certified mail. In my letter, I requested validation of the alleged debt and HIPAA authorization. I advised them I did not recall giving my permission for XXXX XXXX XXXX XXXX XXXX to release my medical information to a 3rd party. I requested a breakdown of fees including any collection costs and medical charges. I also requested a copy of my signature with the provider of service to release my medical information to them. Lastly I requested that all reporting to any credit bureau cease until the alleged debt was validated by myself. I did not receive any paperwork showing my signature or authorization to release my personal medical information. I received copies of specific diagnosis codes with personal medical information, service dates and charges. I have also filed a complaint with the Office for Civil Rights due to my strong belief that my health information privacy acts was violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
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: Information belongs to someone else

Complaint:
I have submitted several disputes to Equifax who fails to thoroughly investigate and delete these fraudulent accounts. I sent police reports stating that these accounts are not mine. 

The following accounts need to be deleted within four days. My rights have been violated by Equifax and I will be filing lawsuit against Equifax. 

1. XXXX XXXX Acct # XXXX 2. XXXX Acct # : XXXX 3. XXXX XXXX XXXX XXXX Acct # : XXXX 4. XXXX XXXX XXXX   Acct # : XXXX 5. XXXX XXXX Acct # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Two problems : 1. I paid my property taxes during close of refinance XX/XX/XXXX ( for the XX/XX/XXXX property taxes. ) I also paid them an additional 6 months worth of property taxes to be applied to the escrow account for the XX/XX/XXXXproperty taxes. 
***The title company never paid the property taxes for XX/XX/XXXX. We discovered this when we received our new Annual Escrow Account Disclosure Statement on approximately XX/XX/XXXX. I called AmeriSave 's XXXX  escrow division who after multiple calls and asking for supervisors finally discovered the Title company did not pay the XX/XX/XXXX property taxes. The title company refunded to me on XX/XX/XXXX the amount they were supposed to pay and I immediately made payment directly to XXXX  for that exact amount to replenish my escrow account. I also did the same for the tax penalty the title company refunded to me on XX/XX/XXXX. 

2. XXXX  also overpaid my property taxes. In XX/XX/XXXX they paid the XX/XX/XXXX property taxes. Then in XXXX they paid the full 2020 years ' property taxes, even though they had paid the prior month. Which they can see in their records that they've erroneously over paid the county for these property taxes. 

Since XX/XX/XXXX I've been hung up on, told that my escrow account is correct, and finally when they see their errors they say it may take up to 3 more months for them to correctly replenish my escrow account correctly. In the meantime they have advised me that IF I DO NOT pay their incorrect mortgage payment, which was set to be {$1200.00} more than my correct payment, that my underpaying my mortgage would result in them reporting to credit agencies that I underpaid my mortgage, which would result in a negative on my credit report. 

I've even contacted the head of Amerisave mortgage and had a contact there that said she assured me she would stay with me and that this would be resolved today, XX/XX/XXXX. As of today she has not returned my last email and phone message to her of XX/XX/XXXX. 

I have everything documented and have the exact paperwork and copies of the refund checks reapplied to the escrow account, etc.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I opened an account with Fifth third bank, XXXX XXXX, XXXX in XX/XX/2010. When I opened the account, I was told by fifth third bank that this is a free account and I don't have to pay any monthly or annual fee. Things were working great for almost four years. After four years, I moved to small town in XXXX, Where they don't have fifth third bank. Therefore, I had to open an account in different bank. I was trying to close my account and take all my money out, before I move out from XXXX XXXX, XXXX. I called their customer service and they convinced me to keep open the account. It's safe to have two bank accounts. They also confirmed me that there won't be any monthly or annual fee, Since I have been their customer for 4 years. I kept open the account. Last week, I received a call from fifth third bank and they told me I have negative balance on my account. I told them, when I left XXXX XXXX, XXXX, I had approximately {$3000.00} on my account. How could it be negative? They told me, I was being charge their monthly service fee of {$11.00} every months. Two days later, I called their customer service and they hung up my phone three times. Third time, I was able to talk to their supervisor and he said he can only see my account history for last 12 months and there is nothing he can't do refund money. I asked him whether I could talk to their upper management and get this issue resolved. He said he's not going to brought up this issue to upper management. Then he hung up. I'm extremely shocked and disappointed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: NV
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 received a response from XXXX XXXX and I am not satisfied with the response from XXXX XXXX. XXXX XXXX denied my request to remove a 30 day past due on my credit report. I attempted to make a payment using my phone and I thought the payment went through to my knowledge but it didnt as I later found out. XXXX XXXX website has been down multiple times over the past couple years and I believe this was the source of the problem. When I finally found the error in nonpayment - I posted a payment that was I believe 31 days late and I paid the current bill. I recently changed my cell phone and XXXX XXXX was unable to reach me to notify my of the late payment. XXXX XXXX is purposely trying to keep this damaging information on my credit report when I was only 31 days past due. 

XXXX XXXX is not being truthful when it states the customer has received two invoices to advise of the account 's need for payment. No late payment notices or invoices were sent to my current or previous address. I have never been 30 days past due on any of my previous payments to XXXX XXXX in the past 4 years nor have I been late on any bills for the past 10 years. It is disheartening to learn XXXX XXXX has such a hardline attitude towards the circumstances of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Inquiry from XX/XX/XXXX I spoke to XXXX They told me that the account CLOSED and they contacted all credit agencies. They told me that they had to " Re-Open '' the case and find out why it was not removed they pulled my credit on XX/XX/XXXX without consent nor permission. XXXX XXXX never responded and failed to provide " Factual Records ''. They also pulled my credit on XX/XX/XXXX and again on XX/XX/XXXX. A Total of 15 points got pulled from my credit and this issue was NEVER Fixed. I am demanding in 30 days that " EQUIFAX '' " XXXX '' AND " XXXX '' Delete this from my records. Please see the attached Information from XXXX and you can CONTACT Them directly to verify this was " removed '' yet you guys failed to remove it from my credit file I want " all three removed '' from my credit report in 30 days or Ill seek damages caused. They have submitted this request in XXXX and should of been removed then, XXXX Claims they sent out all documents and request for removal. I checked my credit report and its still on my account. You have 30 days before I seek damages as this is stopping me from getting a loan to my property as this was " 15 '' points taken from my account without consent. 


XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX " XXXX you stated via telephone that all three bureaus were contacted for removal. The company XXXX XXXX Did not have consent nor permission to pull my credit - You Investigated this and found out I was correct and this was not " factual '' records. XXXX Told me that they contacted XXXX, EQUIFAX AND XXXX for removal back in XXXX - They never removed this from my credit nor has XXXX Calld me back to fix this issue. ( XXXX ) XXXX I gave them to many chances they pulled my credit in total of three times I want all three removed not just " One ''. I will cc my Attornery as I plan to sue you in a court of law. 

You failed to remove all three from my credit filed. 
You failed to contact me You failed to keep me updated You failed to send a letter of deletion for proof as your Representative stated he would have them contact me, He also Indicated that they have contacted all the agencies for removal and I had to re-call back in over 5 times requesting removal. 

XXXX / Does not have permission to pull my credit nor did they have consent they contacted XXXX XXXX and failed to remove this. I will not wait more then 30 days and I did seek an attorney for damages as XXXX Pulled my credit removing " 15 points from my credit and refusing to remove this and or send me a deletion record ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
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: Was not notified of investigation status or results

Complaint:
I have a student loan that is a duplicate account. There are late payments in which i was never late on the reported days. Student loans has failed to respond within the 30 day period and did not provide me with no proof for the incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
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:
Have told portfolio more than 5 times to stop calling me and only contact me via postal mail. They keep calling from different ph # s and call almost daily, sometimes more than once per day. Ph # s using : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, including 8 additional ph # s. My phone only goes back to XX/XX/XXXX but since thatdate, they called : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,XX/XX/XXXX, XXXX, XXXX XXXX, XXXX. I spoke to them onXX/XX/XXXX,XX/XX/XXXX, XXXX, XXXX  & XXXX  stating to stop calling me as this is harrassment and again requested all communication to be through postal mail only.

Company response to consumer: Closed with non-monetary relief