BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days later but there's still no response. 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 data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I asked for forbearance in XXXX? 2018 because my household income was reduced and instead of getting forbearance I came out of this meeting paying double the payment. This caused even more of a problem because I couldn't keep up with my payments. Then Covid-19 pandemic caused my income to be reduced temporally and I again requested forbearance and was told that my mortgage was not covered by Cares act forbearance and that I wouldn't be able to get any assistance. Then I was told about a grant admittance program that habitat offered and that I should apply. I then applied and was told they wouldn't consider my application because I was behind on my payments?? .. Now I am facing a foreclosure on my home of XXXX5yrs. On top of everything the company is a government program that is supposed help people afford a home in low income situations. Habitat for humanity. I don't understand why I'm not covered under the cares act? Why I can't get any assistance to help me thru this.

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 2020-06-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The first complaint, is that we called 2 weeks ago, and the company failed to add my wife to speak on this account.

Calling in today, she got the run around and got switched to 4 people. 

When she asked for a direct number for me to call back in on they would not provide her the direct number to the hardship department, only to a general number : XXXX XXXX XXXX The second complaint is that they have been unwilling to help us settle this account. For years we had to do auto debit without seeing our account because we couldn't gain online access. They finally restored that for us on XX/XX/XXXX. 

But company is refusing to work with a settlement offer, unwilling to help during a time of insolvency.

Chase I believe is also one of the banks that swooped in and took small business loan money making it impossible for her to apply for protection.

We need our account settled. Wife needs to be added for like the 100th time as authorized to speak on this account. 

This is crazy, a bunch of inept banking folks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 an updated copy of my credit report and I still show listed with in public records a bankruptcy which continues to be listed inaccurate and or not verified. I have since on multiple attempts have forward documents that relate that no such reporting has been given and that alleged third party data furnishers without my consent and or the credit bureaus continue to listed this information.

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 2018-02-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt is out of statue and when they call me they said something about being sued for the debt. They are also continuing to report this to mt credit bureau when it is out of statue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Credit Bureau of the South, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit score back in XX/XX/XXXX and it turns out that I owe {$300.00} to an utility bill. I contacted the company and was told to email a dispute, which I did. I called back a month later, XX/XX/XXXX ( today ) and just wanted an update on my dispute. XXXX, the general manager answered the phone and the mood changed once I told him my maiden name ( XXXX ). 
I just wanted an update and relayed that it was code in as a dispute. I then asked if it doesnt do anything if I dispute an account and he answered with a sarcastic tone, its code in as a dispute but it will still stay in your credit score until you pay it off. Mind you, Im not familiar with how any of this works, a little more knowledge would have been appreciated. 
I added, well wouldnt it seem unfair to you that you call the utility company and tell them youre moving out of state and you pay a fee to close the account but nothing is mentioned about owing anything? He proceeded with a sarcastic tone, it seems fair to me because its for services Id use. ( Which I agree but my main is that I wasnt NOTIFYING I owed the money. ) Then I explained to him that I never received a notice and that I changed my address last month with them. Again, with a non-friendly tone of voice : We dont have a crystal ball to find out where you are, we send it to the best location possible. The utility company sent a letter once and we sent two notices to a XXXX XXXX XXXX Ive never lived in an address like that, and even when you pull my credit report ALL of my addresses come up, but not one XXXX XXXX is ever there. 
Is there anything else I can help you with? He said with a rude tone. 
Do you settle account? 
He sighed and hung up on me. 

I called back and I got a lady on the phone, I explained what happened on the previous call and she said I was speaking to XXXX, the GM, that theres no one higher I can speak to but him. 
I said, so the general manager is the one hanging up on people? She proceeded to transfer me to his voicemail because he wasnt available. 


Collection companies really do make it hard when all youre trying to do is mend your credit score. Id love to pay but I still see that its a bit unfair that I was never notified. If you check my score, thats the only account I owe and its in collections because I was never NOTIFIED. 

I wish I could pay the money to another company, not them. A company that isnt based in the south and whose attitude wont change after you provide your maiden last name - XXXX descent. Sounds sad, but true. 

Also to note, the utility company had all of my personal info, name, dob, Ssn, email, phone number. How come they never attempted a call? Neither did the collection company - not one call.

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 2019-04-27
Company: EQUIFAX, INC.
State: NY
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:
My credit information from XXXX XXXX regarding my account is incorrectly reported. My account is being managed with a Credit Counseling program XXXX XXXX and the agreement with XXXX was for the entire full balance owed. The acceptance letter agreement from them to me states that they would not negatively report my account and they would not charge off my account ( I am uploaded this letter ) The did charge off my account and negatively reported I am submitting a copy of this and the payment record was not accurately reported all payments were made as agreed and {$6900.00} was paid to them to date. 
Proof of these payments are uploaded with this complaint as well as the final statement from XXXX XXXX showing the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I recently checked my credit and noticed my credit card XXXX/ XXXX XXXX XXXX XXXX XXXX # XXXX reporting me 30 days late. I do not agree with that. I never received any statements and thought i had autopay set up. I already paid both credit cards completely off.. I am requesting they remove the alleged late pays as they are extremely hurting my used to be Perfect credit scores. It was over 100 point decrease

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: BARCLAYS BANK DELAWARE
State: MN
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. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2019-04-27
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:
I filed reports. I do not have obligation to accounts. Equifax is only bureau still reporting and not complying with request and investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
I would like to formally request a letter to CCB/XXXX  XXXX stating that the " missed payment '' on my credit report be removed as the account was in dispute at the time due to various factors including the Covid - 19 pandemic. I notified the bank several times that the dental office had taken your money and had not provided me with the services that you were billing me for. At the time, there was not even set a future date to deliver the services, but I was continuously being billed for the unearned revenue. My account has since become current, but my dental work is still not complete, and the aforementioned missed payment is adversely affecting my credit score. I am filling this complaint so that my credit history can be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During a fha refinance, the loan officer asked us to remove auto pay and not pay mortgage, due to his certainty that payoff would be in XXXX. XX/XX/XXXX the loan officer said to pay XXXX. Payment was made from alternative checking account XX/XX/XXXX. Money was in savings, though. The payment was returned for non sufficient funds. 
XX/XX/XXXX an email was received from amerihome stating payment received. Later that day an email was received saying payment applied. I understood as cleared. XX/XX/XXXX and XX/XX/XXXX calls were made to amerihome asking why we were on a covid forebearance that we did not ask for. At no time did I receive any info about XXXXunds  from amerihome. XX/XX/XXXX late night, I noticed money was still in acct. I called amerihome XXXX XX/XX/XXXX to ask what was going on, They said I was on a forebearance again. I immediately paid again and followed up later. I said that the covid forebearance they inappropriately put me on has made the process too confusing and that I asked it not be reported as a 30 day late. They refused. I tried again, they refused. XX/XX/XXXX I recieved an email saying again I was in covid forebearance and that payments would be stopped. I called and asked again what was happening. This was a good time to inform me of the XXXX and explain what was happening. Their miscommunication and automatic covid forebearance enrollment when you call them is the cause of the 30day late payment. I believe this was unfair and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried several times with dispute letters to have this information removed from my credit report. This information has been housed, furnished, and delivered to other companies that are reporting this information without my consent or knowledge. Not only are they reporting it, but it has also been given to other companies outside of my knowledge. This can of reporting I thought is against the FCRA. There are accounts attached to this bankruptcy that being reporting on my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have stated multiple times not to call my cell phone & stated this is not my debt and i continually receive calls as well as emails pursuing this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is the result of many violaitions to the FCRA committed by capital One- They have been negligent and unfair. They are reporting disccrepancies across bureaus, and they have failed to give me a fair solution to this issue. 

Here the accounts details : 1. Account number XXXX, opened on XX/XX/XXXX, limit {$3000.00}. 
2. Account number XXXX, opened on XX/XX/XXXX, limit {$9500.00}. 
3. Account number XXXX, opened on XX/XX/XXXX, limit {$750.00}. 

In order to make the work easier for Capital One, I have attached proof of all my allegations. Mu demand is to get the three items removed from my report. 

Attached documents for Capital One. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Experian Information Solutions Inc.
State: FL
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 have tried this a couple of times and customer service would NOT remove the inquires and their is even a fraud alert on my credit report in reference to the fraudulent inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX These Inquires NEED to be deleted as soon as possible!

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 2021-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had an perfect account with Discover meaning all payments was made on time and usually a payment ahead of time. I had the card since XX/XX/XXXXhad a credit balance of XXXX and only used about XXXX XXXX on the card. in XX/XX/XXXXthey sent a letter saying I can get a consolidation loan to pay off any high interest credit cards. I applied for XXXX XXXX and was told to send proof of income which I am retired so I sent all income I receive from social security also including any other income that's not taxable and I got instant approved and I had 3 cards that was paid off. The very next week I get a call from discover telling me not to use my credit card because they have been frozen and that I need to complete a tax form from the IRS for the past 2 years. I told the representative I been disable since XX/XX/XXXX and won't have filed taxes since XX/XX/XXXX. I also shared with the rep that I had sent in forms from social security as well as a bank statements which I think is personal.and I shared too much personal information already. I went online and signed the tax form to the IRS. I get an email a week or so after asking me to call them and I called them on XX/XX/XXXX and was told my account will be closed because they are unable to verify my address through the IRS because I haven't file taxes in the past 2 years. I told the rep I told them that before and im sure most people that receive social security don't file taxes but we pay our bills. The rep response was that is how they verify addresses. I told her then that's discrimination on anyone that's disable or retired no matter how high the credit score is or how they are able to pay. The company discover will close out their account because they don't file taxes!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: EQUIFAX, INC.
State: MO
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 3 credit reporting agencies are continuing to report these accounts as accurate but they not. I have no knowledge of these accounts and asking that they be blocked from my report. And/ or I'm asking for PHYSICAL documentation of these accounts, XXXX XXXX for {$52.00}, {$56.00}, {$52.00}, XXXX XXXX XXXX {$880.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had a Lowe 's credit card since XX/XX/XXXX. It was taken over by Synchrony Bank within the past 2 years. The bill comes due on the XXXX of the month. I have paid my bill, usually on time or within 7 days. since I opened the account, Within the past few months, XXXX, XXXX and XX/XX/XXXX I paid the bill within 7 to 15 days. XXXX was on time XXXX was 6 days late. In the middle of XXXX, I was injured in a serious accident and was incapacitated for over 6 weeks. During the time I have had the card, the bank has raised my credit availability several times without my asking.
On XX/XX/XXXX I got a letter from the bank saying they were reducing my credit availability from over 4500 to XXXX. Due to several reasons which are questionable to say the least. # maximum consecutive months with a balance increase 6 months, # Used too much of my credit limit within 6 months ( {$1000.00} I think ) # % of time payment was greater or equal to the Balance ( I was never aware the balance needed to be paid off in full every year ) and # low ratio of payments vs amount due. ( I pay more than the minimum amount owed every month.
The real problem is the amount they reduced my credit line to, is an amount which is {$7.00} dollars less than all the fees they are charging, which created an over limit on the account, ( when I was never anywhere near the limit to begin with ) which I am being penalized for, which they are increasing the APR rate by over 10 % which I believe is a predatory action on their part.
I could care less about the limit reduction. What I am upset about is they are using their action in an arbitrary, capricious reasons to destroy my credit when I really did nothing wrong. I paid more than the minimums they asked for. If they needed a larger payment they should have stated so. I am not a mind reader. I want the the credit to be increased to {$3100.00}, to cover the {$7.00} they charged which created the over-limit and I want the derogatory information from this incident removed from my credit report, and all fees made by over limit returned to me, and the APR set back to where it was when the account was issued, Thank you.

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