BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I have capital one silver credit card and I paid in full balnance on du date. They charge {$110.00} on XX/XX/2018 and again on XX/XX/2018 {$36.00} even I paid full balance before due date. I called and request to rmove interst charges and they refuse to do so. 
I believe this is rip off and custmor service is bad. Do not like to talk. 

I request is anything you can do? 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL POLICE DEPARTMENTS TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-10-07
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/21 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is showing that I owe a balance of {$1900.00} which is incorrect. This balance is not valid and there should be a XXXX  balance on this account. There is no possible way this balance is correct or owed to XXXX due to I switched carriers and bills were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HAVING ISSUES WITH THE CREDIT BUREAUS PROCESSING MY PAPERWORK. WHEN I'VE CALLED TO CHECK ON THE STATUS, THEY SAY THEY HAVE NOT RECEIVED ANYTHING FROM ME BUT I MAILED MY INFORMATION BY CERTIFIED MAIL AND SOMEONE SIGNED FOR IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM A VICTIM OF IDENTITY THEFT AND I SENT THE FIRST LATER ON XX/XX/2018 TO. ATTACHED WITH MY IDENTITY OF THEFT REPORT REFERENCE ID # XXXX  WHICH STATES CLEARLY THE ACCOUNT THAT WERE COMPROMISED AND HAD FRAUDULENT ACTIVITIES ON THEM.

THIS IS THE ACCOUNT THAT I NEED REMOVED ASAP : 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 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX  : You've CLOSED these complaints THREE TIMES IN A ROW, WITHOUT properly vetting, verifying and reporting any final outcome : THAT'S AGAINST THE Fair Credit Reporting Act!!! Plus : I've SPECIFICALLY ASKED YOU NOT TO CLOSE THIS COMPLAINT, NOR the other two before this. I will be forwarding THIS too, to my counsil, your operations department at you headquarters, and social/non social media. Your FTC case number is : XXXX XXXX  : Last week I filed a formal complaint through your escalations team ( Task Force ) at your CORPORATE OFFICE. Why you've closed this complaint BEFORE they've reached THEIR findings, is beyond me. You probably didn't even know that a formal complaint was filed at corporate??? ... I also filed your inability to remove things that are NOT mine, INCLUDING an UNATHORIZED UNDISCLOSED PERS ON on my credit report, that PROHIBITS YOU from removing any UNAUTHORIZED persons or things ( like fifty inquiries from the year 2020 ) doesn't even make sense to a child!!! I've also filed a report with the FTC about you : XXXX. So : 'YES ' ( XXXX ) YOU DO HAVE MY PERMISSION TO INVESTIGATE AND ERASE ANY PERSON 'S NAME REQUESTING AN INQUIRY, OTHER THAN MYSELF : XXXX XXXX XXXX Or if it's without the hyphen ( dash XXXX it'll be : XXXX XXXX ( with both last names ran together ). You're continuing to break the LAW allowing for ANYONE other than myself to even be ON MY CREDIT REPORT!!! 

TransUnion : Thank you for investigating all the year 's 2020 inquiries. Thank you for not only abiding by my wishes, but for doing your best to UPHOLD THE LAW!!! You were NOT reported to the FTC. Nor were you reported to any of your corporate offices.

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 2021-04-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I and two of my family members ( 3 accounts in total ), we all are unable to access to experian score by logging in because after logging in, it take us to " Payment required '' because the card was expired and I was unable to cancel membership on all 3 accounts and put us on free membership and now we're trapped with no way to cancel paid membership and constant redirecting to Payment page.

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 2019-02-27
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: Investigation took more than 30 days

Complaint:
My wife and I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond in 30 days, but have not. Our follow-up letter has also been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, Dovenmuehle Mortgage Inc took over as the servicer of our mortgage. 
In XX/XX/XXXX, the Analysis of the upcoming tax year was performed on the Escrow Account for our mortgage loan. Due to a " glitch '' in the system ( as described by the Customer Service Representative on XX/XX/XXXX ), the monthly Escrow Payments increased from {$120.00} to {$1000.00}. The increase in the Escrow payment would take effect on the XX/XX/XXXX payment. In midXXXX, there was another Analysis performed and it was determined that a glitch occurred in Dovenmuehle 's computer system and increased the monthly Escrow payment in error. 

We are told that due to regulatory requirements, reverting the monthly Escrow payment amount back to the original amount can not take place until XX/XX/XXXX and once the account is current. At this point, the total mortgage payment due for XXXX and XXXX is a total of {$3200.00} ( {$1600.00} per month, of which {$1000.00} per month would be allocated to the Escrow account ), which is {$1800.00} greater than what it would have been if there had been no computer " glitch ''. We are told that we must pay this higher amount for XXXX and XXXX, and then we would receive a check the following month refunding the surplus in the Escrow account. 

At this point, we were informed that your company would not accept anything but a full payment of {$1600.00} for XXXX and XXXX each. We do not have extra funds to pay this erroneous amount, regardless if we will be repaid the " surplus '' at a later date. It is unacceptable that we as consumers are adversely impacted due to a computer " glitch '' on Dovenmuehle 's part.

Additionally, Dovenmuehle did not pay our XXXX XXXX tax payment from our Escrow account ( which had sufficient funds ), which was due by XX/XX/XXXX. In XX/XX/XXXX, Dovenmuehle was informed by the XXXX XXXX XXXX that the taxes had not been paid and there would be a late fee. Dovenmuehle paid the late tax amount in XX/XX/XXXX. There is still an outstanding amount of {$75.00} for the late fee, which caused the tax collector to place a lien on my property. Dovenmuehle also reported a late payment for XXXX to the credit bureaus in the amount of {$780.00}. We have never owed Dovenmuehle this amount. 

Our previous servicer did not properly allocate excess funds we paid when we were late making mortgage payments to the late fee incurred, but rather allocated the excess to the Principal balance. As such, we now " owe '' {$560.00} in late fees when we have overpaid our mortgage by {$600.00}. Dovenmuehle has taken over these late payments, therefore they need to properly reallocate the {$560.00} from the Principal balance to the late fees. 

Each time we contact our actual lender, XXXX XXXX XXXX ( in New Hampshire ), they refer us back to Dovenmuehle without hearing our complaint. At this point, XXXX XXXX XXXX is not properly managing their third party relationship with Dovenmuehle either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days of their receipt. Unfortunately, it has been four months and I have not received any responses from these credit agencies. I am really confused and would like to know why I am not receiving a response as required by Federal Law?

Did the credit bureau receive my reinvestigation request/dispute letters per the date provided by USPS? 
If my dispute was not received, then who has all of my account information, copies of my ID, SSN and bill that was sent via certified to the credit bureau?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: LendingUSA
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This letter is to advise the Consumer Financial Protection Bureau of Lending USAs complete disregard for the terms and conditions that govern the, what I believe to be a usurious, consumer loan. Since XX/XX/XXXX Lending USA has not correctly applied the payments made as set in the contract signed XX/XX/XXXX. 

A letter containing relevant documentation will be attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Concord Servicing Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from the debt collector that If I paid {$1000.00} to the account the balance will be {$0.00} and the collection be removed and shown as paid in full It still remains on my account with a balance no change I have sent the document to verify this communication with and it still remains

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 2020-11-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX 
On XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX 
On XXXX XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Every time I try to file a credit dispute on-line with the major credit reporting agencies system prevents me from doing so. For example when I click SUBMIT on Transunion 's website, I get an error message telling me the system is temporally down and to try again in a few minutes. I know the system is working because I was able to dispute an old address and telephone number. Further, there is no way the system would be down to 2-weeks and it would have been all over the news. Millions of consumers would have reported that the system has been down for over two-weeks. However, when I try to dispute items from XXXX, XXXX XXXX, various other banks and XXXX XXXX Transunion will not let me. I have been trying to dispute these items over 30 times over a 2 week period. I feel like someone is deliberately blocking my attempts to dispute these items. The supporting documents are uploaded successfully, however, the system would not SUBMIT it. Transunion has suspended my account two times in an effort to block me from filing disputes again the banks and XXXX XXXX. In addition XXXX is a third party vendor used by most credit reporting agencies as anyone can see no judgment have been reported by XXXX. This means all of the attorney fees, title fees, property inspection fees, foreclosure fees, court fees, etc. could not have been added to my alleged mortgage. These fees were commingled with the alleged mortgage making it void with legal effect. 

The file entitled credit letter II is the file that I want to use to as the supporting document to dispute the foregoing. The other attached documents as being used to further support my dispute.

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 2019-06-27
Company: Midwest Recovery Systems
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
i took out a small loan with XXXX and couldn't pay it on the payment date so now it has increase and has been sold to an collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America added Hazard insurance and Flood insurance fees to our mortgage payment, the payment is withdrawn automatically from our Bank of America checking account that we have held for over 35 years, when the increase amount was returned due to insufficient funds ( we did not know the payment had increased and therefore on a fixed income there is not additional money available for that adjustment ) Bank of America stopped the automatic withdrawal after one month while we were out of the county and put us in further debt. XXXX XXXX and XXXX XXXX sent in proof of Hazard and Flood insurance on the property, the additional fees were not removed and there are additional insurance fees, late fees, property inspection fees, foreclosure attorney fees, foreclosure expense fees that they are not adjusting so we can pay the mortgage that is due and will not reinstate the automatic withdrawal and will not take any payment that does not include all the above fees and stated will not be refunded. We are in fear of losing our property. Bank of America holds our mortgage for many years and prior to this incident there was never a late 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 monetary relief
Consumer complaint received 2017-12-13
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I HAVE A CARD WITH XXXX XXXX CARD BY XXXX XXXX XXXX AND HAD ACCOUNT ASSURE IN XXXX TRIED TO FILE CLIAM BUT WAS CLOSED BY THE BANK W/O KNOWLEDGE TO CONOMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX, is suing me for a truck that I wouldn't take from the dealer due to being wrong vehicle. Never took truck and Dealer wouldn't give me right truck, wrote up wrong vehicle. The Dealer wouldn't make it right and I told XXXX XXXX not to pay for vehicle. 
Told them the story, but they paid dealer anyway knowing I didn't have it and For some reason, they reported me being paid on time in XX/XX/XXXXand XX/XX/XXXX, but payment according to XXXX XXXX wasn't due until XX/XX/XXXX. so for 2 months they reported me being paid on time which I never paid a dime and then they said they repo 'd truck from XXXX XXXX , la . with 0 miles on truck.. Now I'm being sued. In XX/XX/XXXX I purchased a truck from another dealer and I was under the impression that XXXX XXXX was the one financing truck, But found out after I signed contract, that XXXX XXXX is. Now, XXXX and XXXX   has deleted That XXXX XXXX report but Experian will not They say it is accurate. 
How is this even possible? I have plenty of documents to show everything that transpired. Not to mention that XXXX XXXX lowered the note on the XX/XX/XXXX truck 3 times on their own accord. There never was insurance on vehicle, was repo 'd from another city and never paid a dime but being reported paid 2 times in XX/XX/XXXX, now being sued, but they finance me a new truck in XX/XX/XXXX. Really?? Have plenty documents to counter XXXX XXXX  and experian

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 2018-03-29
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In the month of XX/XX/2017 with reasons for the hurricane that afflicted Florida, I was unable to work, for that reason. Immediately I contacted ALLY Financial, in search of help from them, when the Governor of Florida asked all of them the institutions with which the residents of Florida had credit accounts, loans, etc. That at least they will grant to the borrowers, three ( 3 ) months free of payments as well as also that the interest will not be increased. 
Bearing this in mind, I spoke with a man from ALLY and very cordially answered me that as they did not help me and he told me that he could not send me anything in writing, but that he was free of payments during the months of XXXX and XXXX and that the XXXX payment was to pay only {$220.00} of the {$390.00} I usually pay. 
Then in the month of XXXX I started receiving calls demanding a back payment of {$170.00} and when I called to clarify that situation, they answered me at that time that they did not have to give three months as the Governor had requested, that they were two and nothing more. 

To all the above, you can add, that for reasons of my age and health I have tried on many occasions to take into account my situation and help me in some way, to lower the interest of the loan, and have not accepted. 
And this location comes from XX/XX/2017 to which we add fees for tardies until this month.

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