BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-10
Company: Duvera Billing Services, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Good day, I wanted to surprise my husband with a new aquarium at a total cost of {$360.00} on XX/XX/XXXX. I have been approved with XXXX XXXX XXXX XXXX for {$1700.00}. 

I was appalled at the interest rate. The APR rate on the {$360.00} was 188 %. After figuring the interest for one ( 1 ) year it came to a total of {$550.00}. I truly believe this company called XXXX XXXX XXXX needs to be investigated as they take people with good, bad, and those trying to establish credit to the cleaners. I do have decent credit. 

I did not sign any contract with them. 

The company is nothing more than legal loan sharks. I also believe they need to be put out of business due to the overly high interest rates. The interest rates this company charges is not in any competitive field with banks etc. 

From the reviews I have read on the Better Business Bureau website, they have no intentions on being honorable with their customers. 

The business address for XXXX XXXX XXXX is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX Thank You, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Convergent Resources, 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: Account information incorrect

Complaint:
I WAS TOLD SEVERAL TIMES BY SEVERAL XXXX EMPLOYEES THAT ONCE I PAID MY DEBT AFTER THIRTY DAYS IT WOULD BE REMOVED FROM MY CREDIT REPORT, HOWEVER IT IS STILL SHOWING UP ON MY REPORT. I SET UP DIRECT DEBIT FROM MY ACCOUNT BUT WAS NEVER TLD IT DIDNT GO THROUGH, DURING THIS TIME MY MOM DIED XX/XX/20, FROM XXXX FOLLOWED BY MY FATHER XX/XX/20 FROM XXXX   RELATED AND OTHER ILLNESS, FINALLY MY SISTER DIED XX/XX/20. I WAS STRESSED OUT DURING THIS TIME CARING FOR MY SISTER AND HANDLING MY PARENTS AFFAIRS AS WELL AS BEING A XXXX XXXX WORKING IN THE XXXX. DURING THE HEIGHT OF COVID. HAVING THIS ITEM ON MY REPORT WHEN I WAS EXPLICITLY TOLD IT WOULD BE REMOVED NOT JUST REPORTED AS PAID HAS ADVERSELY AFFECTED FINANCIAL DECISIONS I AM TRYING TO MAKE. AGAIN I WA TOLD BY THREE AGENTS WITH XXXX THAT THIS ITEM WOULD BE REMOVED FROM MY CREDIT REPORT.

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 2021-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received my card from capital one bank XX/XX/2021. I did not activate my card. Today XXXX I received a bill from them reading my card was charged {$75.00} on XXXX. I have still not activated my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
State: AZ
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:
This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I also have enclosed copies of the Federal Trade Commission 's IdentityTheft Report and the Police Report that I have filed on my local police department. I offer my testimony herein that I have not authorized or given anyone access to my private andconfidential records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17
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: Was not notified of investigation status or results

Complaint:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Social Finance, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
In XX/XX/2017 I found a promotion through XXXX, where you could receive points for refinancing your student loans through SoFi. I was interested, and applied through the correct link, which brought me to the SoFi website. I applied, and was approved. I called SoFi to confirm that the promotion was on my account, as there had been some back-and-forth since application for additional documents, etc., and was told that indeed I had the promotion and the points would take several months to show up. 

I waited 6-7 months before calling back and asking about the points, which had not yet shown up. SoFi told me that I had used an incorrect link, and so I did not get the promotion. I asked the representative to check call notes, and he confirmed that I called specifically about the promotion, and was told that I would receive it prior to funding my loan. However, as the promotion has since expired, there is " nothing they can do about it ''. I asked about alternative ways to be made whole, and they are unable and unwilling to do anything. I asked for confirmation of this in writing ( including the notes where I was specifically told I had the promotion, the day before funding my account ) and they are refusing. I would move my loans to another company if it wouldn't adversely affect my credit score/report, but I'm not willing to tarnish my creditworthiness over SoFi 's misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
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: Public record information inaccurate

Complaint:
I filed a dispute from a debt with XXXX XXXX XXXX with all 3 credit bureaus. The problem wasn't resolved my issues I have misleading information been reported to all credit bureaus. I spoke with XXXX at extension # XXXX on XX/XX/2021 approximately XXXX who advised me that XXXX does not report anything once a loan is closed or payed off which leaves me to believe the credit bureaus are receiving inaccurate information from a third party which violates my rights. I'm also having the same problem with a chapter XXXX bankruptcy on my credit file. It states US bankruptcy court in XXXX is reporting this information which is incorrect and inaccurate. I spoke with agent at bankruptcy court who advised they do not report to any credit bureaus.So, my information is been sold by a third party which is misleading and inaccurate information. Please! Delete from all 3 credit files. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 credit card with account number XXXX was deleted from my XXXX credit report and then put back on which is a violation of the FCRA since I was not notified 5 days in advance. Also, the Date last active and the date of last payment is incorrect on all three credit bureaus. So is the payment history. I disputed this account and it was verified. How can that be when it is inaccurate across the board?

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 2020-05-09
Company: Experian Information Solutions Inc.
State: NJ
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:
I have not had a credit card with XXXX XXXX since the year XXXX. XXXX  XXXX is reporting several accounts to the credit bureaus settled in the year XXXX. I did not have this many accounts with XXXX  XXXX. 

When does the write offs leave the credit reportings? These credit card companies have been reporting write offs since the year XXXX. I want the write off removed from my credit reports. It has been over seven years. It is over seven years and the write offs should be removed. My credit score has been destroyed for many years. I made a settlement with these companies and they are repaid through credit torture. It is seven years over the time and I want the write offs 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 explanation
Consumer complaint received 2021-08-17
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: Was not notified of investigation status or results

Complaint:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.

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 2021-08-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We entered into a loan modification with Rushmore Loan Services about 5 years ago. We've made all payments, until XX/XX/2021, which was made on XX/XX/2021. We paid the full XXXX payment and an additional {$910.00} which was to be applied to our mortgage principal. Instead, Rushmore placed the {$910.00} in a suspense file and now refuses to apply it to our mortgage.

Rushmore is the sorriest mortgage company I have ever worked with, all they want to do is charge fees and foreclose on people 's property. We are in the middle of a pandemic never experienced by mankind before. They should be trying to assist people. 

They also engage in predatory lending practices and are well known as a lender who takes advantage of people on every corner

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In XXXX I took out a HELOC through XXXX Bank. During the open period of the revolving line of credit XXXX Bank sold the HELOC to US Bank in around XXXX. US Bank in turn sold the HELOC to XXXX Mortgage in XXXX but failed to release their lien on my property for the HELOC. I have been trying for XXXX months to get this lien on my home released by US Bank. I have been approved for a new HELOC through another bank and can not close because a title search indicates that US Bank still has a lien on my property. I am getting nowhere with US Bank even though they acknowledge they have no records of my owing them any money.

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 2018-04-16
Company: Duvera Billing Services, LLC
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:
THIS ACOUNT HAS BEEN DISPUTD BEFORE AND SHOULD NOT BEEN MY MY CREDIT FILE, THIS COMPANY IS UNKNOWN TO ME AND DOES NOT HAVE AUTHORIZATION TO HAVE MY PERSONAL IDENTIFYING INFORMATION UNDER FEDERAL LAW, AND FDCPA GUDELINES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
( I HAVE SEVERAL INQUIRES ON MY CREDIT FILE THAT I DID NOT DO ) someone use my identity and summited fraudulent applications in my name also open several fraudulent accounts this is my second time disputing this information the reps have told me several times that they did not receive my information I have sent it certified mail now I am making a complaint I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX 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 2021-08-17
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17
Company: Experian Information Solutions Inc.
State: PA
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 Us department of education are in violation of u.s code -15 U.S. code 1681b -15 U.S. code 1681S -15 U.S. code 6802

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 2021-08-17
Company: EQUIFAX, INC.
State: PA
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 Us department of education are in violation of u.s code -15 U.S. code 1681b -15 U.S. code 1681S -15 U.S. code 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced recovery reported on my credit report I owe {$1300.00}, I never heard of company never got anything in the mail or got an phone call, I tried calling number on credit report phone number doesnt work

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
When I cancelled my account I had rewards dollars in the amount of {$110.00}. I asked how to redeem these and was told the easiest way was to just subtract them from my final balance. When I received my final statement of {$180.00} the amount owed was not adjusted for my rewards money. I reduced the amount by {$110.00} and sent them a check for the balance of {$70.00} and considered the matter closed on XX/XX/XXXX XXXX. I also printed a disclosure on the back of my check stating that if the check was cashed my account will be considered paid in full. The check was deposited. When I contacted them about this in XXXX I was told that the employee should not have told me that it would be reduced.I now have received a notice that I owe them {$140.00} including a late fee of {$25.00}. I feel I do not owe them anything and want a letter from this company accepting responsibility for this matter and they consider the balance paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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:
This is not my account. Please remove from my report Ive been dealing with this well over 30 days. 

DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Our XXXX non profit just concluded a fund raiser with XXXX XXXX   XXXX through XXXX. We raised over {$4000.00} and I tried to set up electronic transfer and it will not go through due to some of the protocols at PNC bank. We have a business non-profit account. I called pnc bank and they told me it was because of their security measures and there was nothing they could do about it. This is frustrating. I should be able to set up electronic deposit of funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit report and finding a balance owed by a past rental company, I reached out to them XX/XX/2019 to find out what the balance was for. I was told that I an additional balance after departing the premises. Before leaving the premises and turning in any property owed items, a walk through was taken by myself and manager of the property. I was told, I would forfeit my deposit and nothing else was owed. Five years later, I receive an alert from my credit report. When I spoke with the property manager and asked why wasnt I informed about the debt supposedly owed. She stated because there was no corresponding address listed, it was put in my old mailbox, Which is on their property. Thats was not correct because my mailing address has never changed which is associated with a family members home. Ive always used my mailing address on any application Ive completed. I also asked why wasnt I informed by email or phone. She stated theyre not required to do that. There was no damage in the unit when it was turned over to property manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: BARCLAYS BANK DELAWARE
State: OH
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:
In XX/XX/XXXX, I sent Barclay 's Bank Delaware a copy of my Military XXXX Orders. I noticed there was no chages made to reflect the reduced interest rate IAW Servicemember Civil Relief Act ( SCRA ) legislative law. Around XX/XX/XXXX, I call their customer service numerous times only to recieve bad contact numbers or simply getting the run around. 

On XXXX XX/XX/XXXX, I sumitted a complaint through the Delaware XXXX  # XXXX. Shortly aterwards, I received a call from XXXX stating she'd be handling the matter. 

On XXXX XX/XX/XXXX, it has been 6 weeks since I filed the complaint and I have heard anything

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