BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-16
Company: Riverwalk Financial Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been paying XXXX XXXX XXXX for a XXXX account since XX/XX/XXXX & they refused to update my credit report to show that I was making payments. On XX/XX/XXXX I came to an agreement which I got in writing from the before making final payment. They agreed to remove this from my credit report however today XXXX they told XXXX that I still owe them {$3400.00} when they have been paid in full. I called them & they deny confirming this to XXXX. I am caught in the middle & my credit score suffers & I am being denied credit due to this unfair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: NY
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/2022 I sent in a dispute. Its been about two weeks and still no acknowledgment of them receiving my complaint. I want every document pertaining to the this entry that your agency uses to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and 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 2017-07-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Chase removed my online access to my credit card. They stated they did so because the card was closed some three years ago. I have an outstanding on time payment history with this card. My last online payment receipt is attached. I can not pay this card over the phone per Chase because it is closed. I do not get a paper statement I have the " paperless option ''. The only other possible way to pay I have now been told is to supposedly go to a Chase Bank. However, I am not always in locations that have a Chase bank, as I travel extensively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
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:
I viewed my credit report with Equifax online on XX/XX/XXXX, report # XXXX. I found incorrect information involving inquiries by an unknown co. ( XXXX XXXX ( this one affects my credit score ) and XXXX XXXX XXXX dated XX/XX/XXXX ) also incorrect town of residence ( it says it was reported in XX/XX/XXXXthat I lived in XXXX Pa XXXX ( I'v lived at my present address in XXXX, Pa since XXXX ) and an inquiry by XXXX XXXX XXXX XX/XX/XXXX . I'v never applied to XXXX XXXX for Ins. as far as I can remember. Equifax only lets you file a dispute if your accts. or creditor info is wrong. They do not give you an opportunity to correct the information that I listed above. Nineteen yrs at the same address is important I think for any possible creditors to see and my credit info does not show that. The inquiry from XXXX XXXX on XX/XX/XXXX was a hard inquiry which means it affects my credit score, and an inquiry by XXXX XXXX while not affecting my credit score, is at the bottom of a long list of insurance companies that I was trying to find a better rate with. I did not go to XXXX XXXX because my car was too old by that time to qualify for their new car replacement option. Equifax does not give the opportunity to remove or dispute any of this type of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was being proactive and reached out to the company, Synchrony Bank prior to my XXXX 2017 payment being due on my Care Credit account to advise them XX/XX/XXXX's payment was going to be late due to some financial issues but I assured them both XX/XX/XXXX and XX/XX/XXXX 's payment would be paid in full by XX/XX/XXXX 's due date of XX/XX/XXXX. They kept calling me several times a day after this conversation. I spoke with them again about a week later and explained the same thing. I continue to get several calls and voicemails per day. I finally got fed up with them harassing me all day on my cell phone while I am trying to work so I called them this evening on XX/XX/XXXX when I got off to set up a post dated check of {$180.00} for XX/XX/XXXX and XX/XX/XXXX payment plus the {$27.00} late charge they charged me, just as I promised I was going to do in the previous two conversations I had with them. They assured me after I post dated a payment with them out of my bank account the calls would stop. I set up that payment today when I called them back at XXXX ( per my phone log that I have included in the photos ). I received a confirmation # of XXXX. As you can see in my phone log I have attached in photos, they then proceeded to call me again 20 minutes later at XXXX. I called them back again at XXXX and advised them to stop harassing me and calling me that I just set up a post dated payment covering both payments and the late fee. I also told them that this has been the very first time we have ever been late on our account in approx 2 years and they needed to stop. In the past 2 days, they have called me 8 times and left me 3 voicemails ( see photos of phone logs ). This is harassing and excessive for the first time being late and not even being 30 days past due. This absolutely is ridiculous and needs to be addressed.

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 2022-02-18
Company: CURO Intermediate Holdings
State: IL
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:
AD ASTRA RECOVERY SE has been sending me collection notices in the amount of {$340.00} the collection has been reported as derogatory. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX XXXX XXXX XXXX and 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 2020-10-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Originally filed a complaint in XX/XX/XXXX regarding same issue. 

Just contacted by XXXX XXXX XXXX XXXX XXXX that my payment is past due ( XX/XX/XXXX ). The check # XXXX for {$50.00} has not cleared. I have been assessed a late fee of {$25.00}. 

To date I have incurred {$120.00} in late fees ( XXXX XXXX  and XXXX XXXX ) due to 53rd Bank 's Bill Pay Vendor using paper checks and not electronic. Also, received cancellation notice from XXXX XXXX XXXX for non payment ( paper check ). Due date was XX/XX/XXXX, paper check dated XX/XX/XXXX, XX/XX/XXXX no payment to XXXX XXXX XXXX so cancellation notice sent to us and lien holder. 

53rd Bank Bill Pay Vendor is late again in processing my bill payments. The vendor continues to submit paper checks in lieu of electronic payments. 

My bill payments are schedule more than 5 days in advance of due date but yet still the paper checks are not clearing by due date thus I am incurring late fees and additional risks of my credit history being jeopardized. 

Recently, 2 of my bill payments via paper check took 10 days to clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion lowered my credit score by XXXX points for no reason. My report shows no changes whatsoever, and when I called their support number to see what's going on they said I'd have to pay for them to tell me why it changed. How is this even legal?

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 2022-02-18
Company: Persolve, LLC - Legal - Series 2
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have been called by Persolve Legal XXXX years ago about a car my mother got in my name and I told them then it wasnt me. Now currently I see that I got a letter saying I am Being sued

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: ID Analytics, 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:
To whom it may consern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. A copy of my drivers licence and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
i was proofing my annual credit report mail to me there was XXXX hard quiry i know nothing about or authorize i called credit bureau and tried to fix this with live rep for credit bureau live rep stated i need to call the company and ask them to contact us to remove iquirys i call companys all 6 and basically told go pound sand back and transfer till system disconnect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: SC
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've written XXXX XXXX ( XXXX XXXX ) dated XX/XX/2022 addressed to the bureaus for the negative items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also mailed a letter for the Method of Verification. It's been more than 30 days and I haven't received any response. Under the FCRA, unverifiable accounts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bank of America A man Called me XX/XX/21 at XXXX about debt collection claiming to be from XXXX XXXX XXXX XXXX. 
We agreed on {$4900.00} total to settle my {$10000.00} credit card debt with Bank of America, he claimed to be a manager from XXXX XXXX. He said they would take XXXX today and i would have to give the remainder by the XXXX Called me from : XXXX ( XXXX XXXX XXXX Said his name was XXXX. 

They took my XXXX XXXX routing and checking number and my social security number. 

Please 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 2017-07-10
Company: AES/PHEAA
State: TN
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 to apply for a pay as you earn payment plan since XX/XX/XXXX. Every time I have applied multiple times and have been told over the phone several time that everything is correct and it will take time to process. It 's now XX/XX/XXXX, the paperwork I resubmitted in XX/XX/XXXX that I was told was there and correct has some how disappeared and I 'm being told I have to resubmit my application and pay stubs for about the 5 time. This has been with my fedloans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I applied for the Hardship Program that USAA apparently offers, and was declined. They stated that our DTI was to high to be approved. We are currently paying {$450.00} a month with an interest rate of 10.1 % and have always remained current with our loan. We are struggling however making our minimum payments on everything and have no money at the end of the payments to buy food for our family. I assumed and the way the rest of creditors work is that a hardship is for people who are having a hard time making their payments. So would our DTI being to High indicate a hardship? Yet, the declined us to help with reducing our interest rate to lower the monthly payments they approved us for borrowing more money to add to our debt!! Makes no sense to me. Instead, we have to go through a Debt Credit Counseling Agency to get on a DMP to reduce our rate down to 3 %. Why is that USAA is willing to work with DMP plan not work directly with their customers? Terrible company and plan on never banking with them again. Very disappointed in how they treat XXXX XXXX military.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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 have been having issues with my Bank of America " Customized Cash Rewards Visa Platinum Plus '' for over a year now. Back in XXXX of 2021, I had called in for technical support, because for some reason, when my account was converted, somehow, my autopay option for minimum payment went away. So after speaking with two ladies in XXXX, they were still unable to help me get it figured out. After much frustration, they told me they were able to " reset '' my account so I could set up autopay with minimum payments. Nope. They finally did something in the background to where my payments would be made. I just realized that I've been getting " late '' fees since XXXX of 2021. Sometimes, the late fee is {$10.00}, sometimes it's {$3.00}, other times, it's {$39.00}. My autopay payments have been coming out and being credited to Bank of America the day it's due! 

I've tried to call in for support, but every time I get someone, the connection is so poor that I can only hear 50 % of what they're saying. This has only added to my frustration, and they always accuse me of yelling, even though I am extremely patient and calm. I encourage someone to pull the calls, because I have been hung up on, and frankly, been disrespected multiple times. I was finally able to get a hold of a supervisor, XXXX, who was able to confirm that instead of making minimum payments. It had only been set up for a fixed dollar amount. She was also able to reverse all my fees from XXXX through now. XXXX was extremely professional, clearly explaining what she was seeing on her end, and offered to help in other areas as well. However, unfortunately, the issues I'm experiencing seem to be outside of her control.

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 2022-02-19
Company: EQUIFAX, INC.
State: TN
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'm getting irritated since these elements from my report are still visible. You have not sent me any proof or documentation that has my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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've written Debt Validation ( XXXX Letters ) dated XX/XX/2022 addressed to the bureaus for the negative items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also mailed a letter for the Method of Verification. It's been more than 30 days and I haven't received any response. Under the FCRA, unverifiable accounts must be removed.

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 2017-07-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a Wells Fargo checking account on XX/XX/XXXX as part of a promotion that would provide a {$250.00} bonus after opening a new checking account and setting up a direct deposit amount of {$500.00} or more within 60 days of account opening. All terms of this offer were met and completed on XX/XX/XXXX. The bonus was supposed to be issued within 45 days of meeting the terms of this offer. It has now exceeded 45 days. The bank is now claiming that I was not targeted for this offer on their internal system. <P/>I have attached the screenshot from Wells Fargo describing the offer as well as a copy of my checking account application email confirming my enrollment in the offer.

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 2022-02-19
Company: TD BANK US HOLDING COMPANY
State: WA
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 had a settlement agreement with TD Bank for XXXX XXXX XXXX XXXX. The agreement letter states that Upon receipt of your payment, your account will be considered settled in full. My credit reports show that TD Bank is still reporting a balance and not Settled in Full as stated in the agreement letter. I also have yet to receive a Letter of Satisfaction from TD XXXX. Our agreement was to pay a lump sum of {$1600.00} by XX/XX/2022. I paid {$1600.00} on XX/XX/2022 and the funds were taken from my bank account on XX/XX/2022. I have called TD Bank multiple times requesting the letter of satisfaction and for my credit report to reflect Settled in Full. One agent told me they dont give these letters or any type of receipt and that my agreement letter and bank statement is all I get. Two other agents told me they in fact do send a Letter of Satisfaction but it takes 7-10 business days. It has been 19 business days since the funds were taken from my account and 21 business days since I paid. I have still not received the letter or seen the change to my credit reports. I tried calling their Specialty Department number that an agent I spoke with gave me. He said the Specialty Department is who sends the letters and updates the credit report however, that phone number, ( XXXX ) XXXX, just plays music. No one ever answers and there is no recoding prompting you to speak with anyone. I am submitting both the agreement letter and a photo of the bank withdrawal from TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I contacted Citi Prepaid cards regaining an expired prepaid card I received. Citi is  claiming that since the card is expired the funds are no longer valid and citing terms and conditions that are different than the terms and conditions I received with the card.

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