BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-22
Company: EQUIFAX, INC.
State: SC
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:
XXXX  student loan servicing provider inaccurately report missed or late payments to the credit bureau, this mistake has had an impact on my credit report. This is affecting my ability to borrow. There are over 18 accounts showing I was late XX/XX/2017 there was no one from XXXX   providing clear information about how to re-enroll in income-driven repayment plans and never knew I could have a qualify co-signer .Which I have stated and beg with XXXX  . I done everything I can to make sure I dont fall behind. Try providing proper documents for questionable payment plans which are read from scripted agents trying to rush you off the phone giving the next hopeless person no option .I am a XXXX single mother with XXXX  kids working hard under the poverty line making less then 25000  years just trying to better myself. My payments and account balance is being improperly used over the past year leaving me to question which amount is true reporting with Credit Bureau. Constantly getting credit reporting alerts either my accounts are increasing or decreasing no one from XXXX can seem to tell me why this continue to happen. During the month of XXXX i know i spoke with someone and sent my paperwork back over in fashionable time and even spoke with my financial counselor at XXXX College XXXX XXXX South Carolina who reassure me everything will be okay and will assist during that time frame. Not to mention that school has bankruptcy and close down. XXXX is a billion dollar company with tons accounts they handle every seconds doesnt want to take time to think or take responsibility that maybe they might just drop the ball on this or many other accounts reporting accurately. All I want is honesty and fairness because this is hurting. They say your past will set you free but honesty this past report is currently hurting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2023-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I'm filing this complaint against capital one for high interest charges that are affecting me of keeping my balance down and keeping my account current every time a make a payment to capital one to try to pay my balance down and keep my account current I'm hit with high interest charges as well as cash advance charges upon when I first opened this account I was never charged for interest and when I read my agreements for this account I don't remember it seeing anything regarding high interest charges every since of XX/XX/2022 I have been charged interest to my account I have spoken with capital one regarding this matter letting them know I can not pay my bill plus high interest charges been billed to my account every time I have a available credit it is taken away from me due to over high interest charges which is unfair to me since I am fighting to keep up with my balance it is becoming a unfair business practice because instead of me paying my bill down I'm just paying interest charges instead and it's not going toward my intial balance I can not pay both only one I'm asking for a billing adjustment from capital one of these high interest charges and reversal of interest charges on my account I'm now over my balance on my account due to overly high interest charges and now I'm having a issue of being issued out a new card due to being over my balance from interest charges a resolution is needed for me to be able to bring my balance down and keeping my account current

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Year XXXX or XXXX. I had a Wells Fargo savings and checking account. Was issued a ATM card that had overdraft protection with crazy penalty charges. After a while of dealing with these ridiculous overdraft charges. I decided to close my accounts. About a month later I was informed that my Social Security back payment checks were sent to my Wells Fargo account that has been closed for weeks now. I spoke with several employee 's at the Well Fargo branch in XXXX, Ca. A few days and alot of calls, I finally got ahold of the branch manager. I couldn't remember his or her name but I remember there were at least two different branch managers or two different people claiming to be in charge. They explained to me very abruptly that my checks were on hold and in no way that they were going to release them to me unless I allow them to deduct the money I owed on my closed account. 
I was stonewalled, I didn't want to be stuck out on the streets with no place to go. The day that my checks where discovered held by Wells Fargo was the day my landlord got feed up with my excuses on my long awaited social security back payment checks. The hold by Wells Fargo caused me alot of grief that year and caused me to be homeless.So when Wells Fargo offered me {$5000.00}. Instead of $ XXXX.I took it and spent most of it on hotel rooms, stolen property and lost personal items that can never be replaced.

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 2022-05-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When I made a payment with the following information provided by Chase, Chase claimed that although this payment was effective on XX/XX/2022, it is posted on XX/XX/2022. Any reasonable people would think effective means posted. 

Account ending in : **** Payment amount : $ **** Effective date : XX/XX/2022 Payment authorized on : XX/XX/2022 My complaint is that Chase provides misleading information, which caused high credit usage reported to the credit bureau and affected my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 several inquiries in all my reports that have not been authorized. I have attempted to write and contact all the bureaus without any luck in solving the situation.

I am here writing all the inquiries done on all my reports separately. 

XXXX : XXXX XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX  Date : XX/XX/XXXX 4. XXXX XXXX XXXX Date : XX/XX/XXXX 5. XXXX XXXX  Date : XX/XX/XXXX 6. XXXX XXXX XXXX Date : XX/XX/XXXX 7. XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX 8. XXXX XXXX Date : XX/XX/XXXX 9. XXXX Date : XX/XX/XXXX 10. XXXX Date : XX/XX/XXXX 11. XXXX XXXX Date : XX/XX/XXXX 12. XXXX XXXX  Date : XX/XX/XXXX Equifax : XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 4. XXXX  Date : XX/XX/XXXX 5. XXXX Date : XX/XX/XXXX 6. XXXX XXXX  Date : XX/XX/XXXX 7. XXXX Date : XX/XX/XXXX 8. XXXX  Date : XX/XX/XXXX XXXX : XXXX XXXX Date : XX/XX/XXXX 2. XXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX  XXXX Date : XX/XX/XXXX 4. XXXX Date : XX/XX/XXXX 5. XXXX XXXX Date : XX/XX/XXXX 6. XXXX Date : XX/XX/XXXX 7. XXXX Date : XX/XX/XXXX 8. XXXX XXXX Date : XX/XX/XXXX 10. XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting 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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
AmeriHome Mortgage company bought my mortgage from another company almost a year ago. In XXXX of this year I got a notice saying I owed {$990.00} in shortage. 
The shortage had to do with property insurance increase. I switched insurance companies that was {$620.00} a year less. 
Instead of my mortgage payment go down it went up to {$1300.00} The first insure reimbursed me {$1700.00} which I gave to AmeriHome Mortgage Co. to apply escrow. 
Now my mortgage payment went up from {$1500.00} to {$1700.00} in XX/XX/XXXX and will go up again starting XXXX to {$1700.00} a month. 
I was told because they paid the second insurance for the year also. 
The first insurance was paid on XX/XX/XXXX and cancelled on XX/XX/XXXX which equalled 5 months leaving 7 months for the new insurance to cover not XXXX mire months. 
The AmeriHome mortgage received {$1700.00} refund of what they paid the first ins. company. They want me to pay 2 months of escrow in advance by XX/XX/XXXX or my mortgage payment will be an additional payment of {$190.00} to my existing payment of {$1500.00} a month making it {$1700.00} in XX/XX/XXXX and in XX/XX/XXXX payment will increase again to {$1700.00} for 12 months unless I pay {$1300.00} by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I closed my account with BBVA due to their terrible customer service. After I closed my account, I received a credit for {$380.00} and I called them to request a check to be sent to me. The amount was deducted on XX/XX/2021 and I was told I would receive a check in 5-7 business days. The check didn't arrive and each time I call the people I speak with have no idea how long it'll take and keep making up new timelines. This company is stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$360000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted through text from ARS. They mentioned they would be willing to take XXXX % for my debt. I texted the number back because it did not mention the company name. I called the company to get more information, and they stated the name of the debt. I wanted to call them back so I could see how much I could afford to pay, and to see if I could check the status of the delinquent account. The representative repeatedly stated that if I hung out, then she would no longer be able to offer this. I then told her that was okay, and I would call them back after I checked on some things. She said thank you and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea what this is pertaining to I have never received notification both company babes listed on credit report seqouia financial services and 10 city of XXXXXXXX no one answers phone calls or returns messages I've recently attempted to remove from credit no response and no form of communication from them I have no idea what these two debt collectors are for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRUIST FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My complaint is regarding my credit card with SunTrust/Truist I do not have all information, because I am locked out of my online banking. 

I have a seldom used credit card with Sun Trust ( not in over a year ). Over the summer, there was an automatic charge for an annual magazine subscription that I was unaware of. 

Not expecting any charges, I never check my online account ( the reason I am locked out of their online banking and will have to be on hold for XXXX minutes to get it working again ). So, the first statement I see shows a charge of {$42.00} for an annual magazine subscription and a {$25.00} late payment fee. I call, make the payment of {$42.00}, and am told they will waive the late fee. 

The next statement has the initial {$25.00} late fee plus another late fee ( I believe it was {$39.00} ). I call again, and they tell me I was supposed to call back again to get the initial {$25.00} fee waived. So I'm charged a late fee on a late fee. 

On XX/XX/21, I made a payment of {$40.00} leaving the balance at {$25.00} ( interest was added to the late fee ). Well, here I am again in XXXX with another late fee on a late fee after, on my initial call, I was told that the initial {$25.00} late fee was being waived. 
At this time, they are saying my new balance is approximately {$52.00}. 

Essentially, for a single charge of {$42.00}, they are trying to usurp $ XXXX in late fees.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There are FRAUDULENT items ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ) and UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated these inquiries. I am submitting a complaint regarding them and for assistance to REMOVE them from my credit report immediately.

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 2021-12-15
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been violated by XXXX XXXX on XX/XX/2021. I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. Listed below are the laws that protect me as a natural person and consumer from the abusive practices exercised by consumer reporting agencies. 
15 U.S. Code 1640 15 U.S. Code 1681 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please remove this inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This Credit Reporting Agency is furnishing information to my consumer report withiut written consent from the consumer. This CRA has willfully violated the FCRA a multitude of times. Pursuant to 15 USC 1681B ( 2 ) These are my written instructions. I need the Two Collections from XXXX XXXX XXXX XXXX XXXX XXXX deleted NOW.

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 2023-07-28
Company: WLCC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I applied for a loan, gave all the necessary and required documentation. I was approved for the loan and was told it would be between XXXX to 2 days that it would be deposited into my account. Hours before the deposit was scheduled, I received an email saying that my application was declined due to a number of reasons. However, those reasons didn't make sense considering the application process. For example, one of the reasons it may have been declined was because they were unable to verify my identity, however they never asked for a picture ID. Another reason they claim the application was declined was because they were unable to verify my bank account information, which contradicts the fact that it was still scheduled to be deposited.

Company response to consumer: Closed with explanation