BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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 paid for XXXX in a payment in full of balance and somehow I 'm still charged $ 80+ in  interest?

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 2022-08-30
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have been a cardmember of American Express for 26 years. I noticed my minimum payment getting higher and higher and I was barely using the card. I started reviewing my statements and realized not only was the APR going up on new purchases, but purchases from way back in the past. I had no idea that they could raise rates, except on new purchases. Now I can not afford to pay this and every payment I make is not making a dent in the exorbitant rate ( at one point it was 12 %.. then it became 16 %.. then 20 % .. now the rate for past purchases is 22 % and the APR for purchase is around 26 %. I never miss payments so this isn't a penalty. 

I contact American Express and the best they could do is lower APR by a point .. which is still making me unable to pay my bill. It seems like I am totally at their mercy to charge whatever they want, whenever they want. And I am never late on any payment so I have no idea why I am getting penalized this way. 

I do not recall this ever happening and I do not recall seeing any communication on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received fake bill for XXXX charges that were not made, were never mailed, and XXXX states that the referenced account never existed and is fraudulent.

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 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
As of today, I am in receipt of the letter sent to me on XX/XX/2022. File number XXXX which by the way, I had to get my XXXX speaking neighbor to translate for me. Because I do not speak the language The correspondence stating that the disputed accounts have been verified is unresponsive to the complaint that I submitted with the CFPB on XX/XX/2022, complaint # XXXX. 
this company is once again using one of their XXXX tactics to stall and intimidate. In order to avoid sending me the documents that I specifically requested. 
In my former complaint to the CFPB, I stated that I requested proof of my consent, in regards to the following accounts ; XXXX XXXX XXXX partial acct # XXXX XXXX XXXX ; Partial acct # XXXX. 
15 U.S.C 6802- Obligations with respect to disclosure of personal information ( B ) The consumer is given the opportunity, before the time the such information is initially disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 2021-04-22
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I paid a XXXX payment on the web to NEW REZ LLC SHELLPOINT. I requested to have the payment credited back to my account since I was refinancing. They stated they would. On XX/XX/2021, I see the XXXX was reversed on XX/XX/2021 and as of today XX/XX/2021, I have never received the money. I have called repeatedly and have been lied to, hung up on, promised the money would be back in my account, would be mailed to me (? ), credited to my account for the mortgage. Please check on this and let me know how can this be resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX LOAN NUMBER XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Nelnet, 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: Reporting company used your report improperly

Complaint:
The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( Great Lakes Student Loan ) placed on my consumer report by XXXX XXXX, and XXXX. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove Great Lakes Student Loan accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to Great Lakes regarding the alleged debt they say I owe. I do not owe Great Lakes any money. Great Lakes has yet to send me anything bearing my wet-signature proving that I owe them anything. Great Lakes does not have my consent to furnish my Consumer report or share information with anyone. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as XXXX XXXX, and XXXX  prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) THIS IS A DIRECT VIOLATION OF THE FCRA AND FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/2019 Specialized Loan Servicing modified my mortgage loan. 

While I was doing research I found Monthly Distribution Reports which are provided by XXXX XXXX, the Master Servicer of the trust that my mortgage loan is said to be a part of. These Distribution Reports are reports report on all aspects of these loans so that the IRS and the Trust can see what is going on. 

Surprisingly to me the information I found has a lot of discrepancies. Either XXXX XXXX, XXXX XXXX  XXXX, and Specialized Loan Servicing are defrauding the IRS and the Trust or they are defrauding me. Either way I suspect some fraud on their part like I have always suspected. 

I have attached the Loan Modification Agreement, copies of the pages of the Distribution Report that is pertaining to my mortgage loan ( note that mortgage identifier is my originating mortgage loan number which is XXXX which you can verify on my Note which is also attached here to ). 

You will note that the Principal Balance also called Actual Balance has a discrepancy of {$52000.00} The Balloon Amount listed on the Modification Agreement vs. the amount listed on the Distribution Report has a discrepancy of {$500000.00}. 

The Deferred amount on the Modification Agreement vs. the amount listed on the Distribution Report has a discrepancy of {$140.00}. 

It is clear that there is some type of fraud that is involved in these documents. My Modification Agreement should be reflecting the amounts that are listed on the Distribution Report which is suppose to be the documentation everything is based from.

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 2020-04-23
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
TOYOTA MTR XX/XX/XXXX {$19000.00} 09 XXXX  XXXX  XXXX  XX/XX/XXXX {$4800.00} 06 XXXX  XXXX  XX/XX/XXXX {$0.00} 11 XXXX XXXX  XX/XX/XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: NJ
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
in the beginning of XXXX I had a job offer that was a very high promotion ; a week and a half later I got denied the position and they told me it was based on my credit profile I havent checked my credit report in years and when I did I found major inaccuracies and accounts that I never opened or filed so I start contacting the creditors and also start contacting the credit bureaus on my behalf and I kept getting no progress this has not only been XXXX  for me having XXXX XXXX and XXXX XXXX but also XXXX  for my family because I didnt get the promotion that my family needed ; this is my last resort and try getting off the inaccuracies off my report and try to better my life and make ends meet after this terrible pandemic situation that hit us early of XXXX. Not only was my FCRA violation that they disclose my credit profile to an employer without giving me written consent and another FCRA violation of 15 USC 1681 I with the disputed inaccuracies after a few times disputed I dont know what else to do..

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Has Violated My Rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency even if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-08-30
Company: EQUIFAX, INC.
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:
Consent and privacy laws Equifax is violating I never gave them written permission and I've been getting denials for loans I'm aware that I am a consumer and a natural living being I've been denied about all the loans that I put in and this is hurting me purse this is hurting me because of the XXXX I have an eviction coming up this is because of Equifax for giving people information that I never gave them written permission to give my information 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I contacted select portfolio servicing to make a payment on the phone since my draft payment did not process on XX/XX/2021 and when I contacted select portfolio servicing the representative said he could take my payment which was not the payment for XXXX because it already processed but it hadn't and I was trying to make the payment that was received before XX/XX/2021 and I XXXX the payment on Friday XX/XX/XXXX with a note to apply the payment for the XXXX payment which was returned to avoid reporting the payment late to the credit bureau since they couldn't process it over the phone and If I made the payment it would have applied to my XXXX payment instead of the XXXX payment because the mortgage system currently showed it was paid. I want the late payment removed from my credit report because the mortgage company system could not process the payment for the month of XXXX on XX/XX/XXXX which is not XXXX and they did not tell me I could do a wire transfer to note on the form this payment was for 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 2017-04-07
Company: Receivables Management Partners, LLC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
RMP Services is on my credit report and this does not belong to me. It has a balance of {$220.00} and it indicates Medical. I would like it removed from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: CoinZoom, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX  / XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( the Fraudsters or the Companies ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing Coinzoom 's services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in Coinzoom which is regulated. Coinzoom customer service is not responding properly. They are not sensitive to resolving the customer issues like this. Being financial institutes, they are more capable of tracking the transactions and retrieving the money and returning it to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan was recently transferred from XXXX to FedLoan Serving. I have no complaints about XXXX and was never late on a repayment with them in three years. My first repayment with FedLoan servicing was late because I was never properly informed of what servicer my loan went to, when my new payment was due and where to go and pay it. By chance, I stumbled upon FedLoan 's website and logged in to see DELINQUENT attached to my loans. This is unacceptable and may very well affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 filed a previous complaint on XX/XX/XXXX, ( COMPLAINT ID XXXX ) against TransUnion. My credit score continues to drop around the first of every month without any explanation for the drop, when the other scores from the other two credit bureau continue to go up, TransUnion score decreases for no apparent reason, here is a history of my score since XXXX XXXX. The fluctuation in my credit score with TransUnion started XXXX, XXXX. On XXXX my credit score drop from XXXX to XXXX a 30 point drop. My credit score increased to XXXX on XXXX. XXXXI made my complaint with CFPB on XX/XX/XXXX, and my credit score increased on XX/XX/XXXX by 33 points to XXXX. I thought I had everything fixed until I checked my score again and it had decreased again on XX/XX/XXXX. by an additional 34 point. It appears I had lost some additional point from XX/XX/XXXX XXXX XXXX, from XXXX on XX/XX/XXXX, to XXXX on XX/XX/XXXX. After making a called to XXXX on XX/XX/XXXX. and being told I had duplicates credit reports my credit score went up 38 points on XX/XX/XXXX. to XXXX, it went up an additional 17 points on XX/XX/XXXX. to XXXX. It drop 4 points on XX/XX/XXXX. to XXXX. This is the problem, on XX/XX/XXXX, my score drop 69 points to XXXX for no apparent reason. The other credit bureau increase my score by 4 points on XX/XX/XXXX. Something is seriously wrong with TransUnion reporting model. I spoke with a customer service agent and her supervisor today, neither was able to explain the reason for the drop. The supervisor XXXX XXXX XXXX instructed me to write you all for help again. Thanks

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 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 below address do not belong to me, please remove the below addresses. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX the below accounts do not belong to me, I have tried to contact them and i get no where, these accounts need to be removed from my credit report. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Credit Limit {$17000.00} balance {$1500.00} Account # XXXX XXXX XXXXXXXX TX XXXX ( XXXX ) XXXX UNPAID BALANCE CHARGED OFF CLOSED DATE : XX/XX/XXXX B XXXX Opened XX/XX/XXXX credit limit {$750.00} balance {$750.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX BANK XXXX Opened XX/XX/XXXX Credit {$300.00} balance {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA 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