BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: CO
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:
Today is XX/XX/22 When I checked my credit report there was an Experian alert that said my card was over the limit. I called my bank and they said it hasn't been over the limit and is not now over the limit. 
I tried calling Experian but it's impossible to talk to a person, I only was able to listen to options that didn't apply to my situation. The recording said I had to use their website. 

To use their website they require that I establish an account and become a member. I have no intention of becoming a member and giving them my contact information because I don't trust them. They've already made one mistake that has affected my credit.

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 2018-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
According to the new guidelines, if a tax lien does not have your social security and date of birth, it should be removed from your report. TRANSUNION refuses to remove the lien on my report which only has my name and address. i just applied for a home equity loan to pay my daughter 's school, application was declined because of the lien. 
Same lien was removed by XXXX and XXXX. 

Note that i am currently paying federal taxes through an arrangement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: AMERICAN EXPRESS COMPANY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, XXXX imposed an annual fees of {$170.00} included GST {$11.00}.
I called XXXX customer services on XXXX/XXXX/XXXX at XXXX and spoke to an officer named XXXX XXXX , however, she refused to waive the annual fees. I requested to speak to senior manager. However, I did not get a call back within 48 hours as promised by XXXX. I received call from a lady manager named as XXXX. She reluctant to waive the full annual fees and offered me to pay half of the cost although I have been frequently used their XX/XX/XXXXXX/XX/XXXXat XX/XX/XXXX.. I felt very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Capital One 360 closed my checking & savings account for no good reason. They sent me an email saying that they were closing my account and I could no longer bank with Capital One. Ive been with them for years and they randomly decide to close my bank account. The only thing I " did '' was accidentally transfer money from one savings to checking that wasn't there. I called and told them it was an accident but they didnt seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I DID NOT REQUEST ANY EXTENDED FRAUD ALERT PLEASE REMOVE ANY AND ALL ALERTS PLEASE AND THANK! WHY DO I HAVE TO KEEP REQUESTING THE REMOVAL OF ALERTS THAT ARE STOPPING ME FROM GETTING A LOAN OR EVEN RENTING A CAR!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX DOB XXXX SS XXXX I would like a update on my last Complaint from XXXX as well. Please remove the following addresses : XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, OH XXXX. PLEASE REMOVE THE XXXX FROM MY FILE. I HAVE NO CLUE WHY THAT NUMBER IS EVEN ON MY FILE!!!

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 2019-04-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has past due payment for the month of XXXX and XX/XX/2017. I do not have any late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was approved for an amex everyday credit card in XX/XX/2018. I was mislead by being told I would receive a welcome offer. Upon approval I was told that I would not by receiving the welcome offer and that I would be given a {$500.00} Credit limit to start and that I would have access to a higher line of credit after making my first five payments on time. The following is a copy and pasted email from American Express : Pay on time and increase your credit limit American Express logo Hello, XXXX XXXX XXXX Account ending in XXXX American Express Card View Account Make a Payment Manage Alerts Preferences You can earn a higher credit line on your new Amex EveryDay Card. Simply follow the steps below for each of your first five statements : Use your Card. You must have a balance due each month. 
Pay at least the minimum due on time each month. 


To help you pay on time you can set up automatic payments with AutoPay, where you can customize your payment amount and date. You can also enroll in Alerts informing you when your statement is ready and reminding you of your payment date.

Thank you for your Card Membership.

American Express Customer Care Contact Us | Privacy Statement | Add us to your address book Your Card Member information is included above to help you recognize this as a customer service e-mail from American Express. To learn more about e-mail security or report a suspicious e-mail, please visit us at americanexpress.com/phishing. We kindly ask you not to reply to this e-mail but instead contact us via customer service. 



Terms & Conditions 1. You will receive an increased credit limit if you ( a ) have an amount due on each of your first five billing statements, ( b ) pay at least the minimum amount due on those statements by the due date, ( c ) are not past due on the credit report we review at the time we evaluate the credit limit increase, ( d ) meet federal requirements for ability to pay, and ( e ) havent already received a credit limit increase.

2. Your credit line increase will go into effect by the end of the sixth month after your first payment. 



XX/XX/2018 American Express. All rights reserved. 



XXXX It has been over 8 months and I have not yet been given an increase in credit. The people that i speak to are very rude and are not concerned by the fact that I have been lied to. My credit score sits at XXXX with utilization around 20 % income over $ 70K/year with assets around $ 20K. I'm  not asking for a crazy amount of credit. I am just asking that they keep up their end of the bargain. They lied to me about the welcome offer and they are not telling me lies and even yelling at me, and hanging up on me when trying to explain the issue. I am so angry. I feel like I have been completely manipulated and it's unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
The companies are XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX This account are fraudulent never had applied for credit cards

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 2022-03-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company Carrington Mortgage Services refuses to credit all payments made to my mortgage account. While in bankruptcy ( XX/XX/XXXX ) I received a Foreclosure notice stating that payments for XX/XX/XXXX- XX/XX/XXXX had not be made. I forwarded copies of my bank statements to CMS and they made note of it. By the time this was resolved, my account was in foreclosure and they had stopped taking payments on the account. Inquired to CMS on what to do and was informed that the way to resolve was to request a repayment plan. This was done. I received the repayment plan, but noticed that they repayment amount was very high. When I contacted Billing Dept. they stated they were missing payments on my account. I sent an inquiry to their Research Department asking them to research since the XXXX was discharged and I made payments through XX/XX/XXXX. It was scheduled to start in XX/XX/XXXX. The response I received in XXXX was that all payments had been credited and they were not going to do anymore. However this is not correct. My bankruptcy was discharged in XXXX of XXXX, that means that all parties were satisfied including Carrington.

I wasn't able to make payments from XXXX - XXXX of XXXX. At {$940.00} month x 10 months= {$9400.00} behind. Add 6 months to repay going forward x {$940.00} = {$5600.00}. {$9400.00} + {$5600.00} = {$15000.00}. $ XXXX months to pay = {$2500.00} total repayment per month. However CMS calculation is {$3800.00}. ( I was paying {$930.00} per month at that time ) I made 3 payments of the repayment plan which started in XXXX and received a notice on XXXX that I had been sent to Foreclosure again. All of the payments of the repayment plan were not on time. But they took the money and it should be credited to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I got my freeanualcreditreport yesterday and extremly shoick due to there was 7 unauthorized hard inquiries credit : TRANSUNION : ( 8 UNAUTHORIZED HARD INQUIRIES ) XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXXXXXX : ( 2 UNAUTHORIZED HARD INQUIRIES ) XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX ( 5 UNAUTHORIZED HARD INQUIRIES ) XX/XX/XXXX : XXXX XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : US SM BUS ADMIN ODA and all the soft inquiries in 2 months curently

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX, I mailed requests to all three Credit Reporting Agencies demanding documentation verifying the accuracy of multiple items reported on my credit files with each agency, pursuant to Section 609 [ 15 U.S.C 1681g ], or the Fair Credit Reporting Act.The allotted time frame has elapsed for the companies to respond to my demand, either handling it as a standard dispute, or failing to respond at all, depending on which agency. These are nothing but stall tactics which I specifically warned each agency would not be tolerated. I have attached documentation showing my initial demand for verification. Any failure by each agency beyond this point will result in me forwarding all related documents to my State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: ECMC GROUP, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed these fraudulent accounts on my credit report and I've disputed them several times with ECMC and XXXX  and they are still stating these are mine. The information being reported is fraudulent and inaccurate including dates, amounts and activity status. I lost my identity documents on or about XX/XX/XXXX including my drivers license and social security card. This is an unknown account. Someone tried to attend school in my name. It looks like XXXX have been PAID IN FULL on my report but they are still reporting as charge offs. I've been a victim of identity theft and even had my taxes garnished for over {$9000.00} because of this I now keep several precautions in place to keep this from ever happening again but I need this deleted. This is messing up my credit and I am a single mother of XXXX who has struggled through the covid-19 pandemic to try to become and homeowner and this is holding me back. I have good credit, please delete these 5 fraudulent XXXX  balance accounts immediately. Thank you. 

Account Opened Amount ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00} ECMC XX/XX/XXXX {$0.00}

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 2022-03-08
Company: Experian Information Solutions Inc.
State: MI
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:
in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions 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 2017-12-28
Company: Bread Financial Holdings, Inc.
State: TN
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 never sign up, fill out any application or request any mortgage assistance from XXXX XXXX. this company is shown up on my report with out consent. I have sent a letter on XXXX/XXXX/XXXX requesting that inquire to be remove from my XXXX. this company is listed as a XXXX XXXX agencies with no number address to be able to request proof of signature that authorization was given to pull report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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:
I scheduled online payment of entire balance with a XXXX card held by Bank of America for the XXXX due date- as usual. 
When I received the next statement from B of A it showed that payment had not been received. 
I went back to their site and found that yes, it had the scheduled payment but mysteriously that payment had been cancelled 2 days before it was to be paid. 
This was very odd, I certainly did not cancel payment. 
I contacted my bank, XXXX XXXX, from where the payment was to be sent from and asked my personal banker to investigate it. Their response was " I was looking into the transaction, and it looks like the payment is setup to be deducted at Bank of Americas end. We dont show it being submitted for us. " This cancellation of payment ( that I did not cancel ) has cost me lates fees and interest that are not correct. 
I promptly filed a complaint with them sending the documentation of the payment being set up, email from my banker identifying that B of A seems to have caused the payment cancellation. 
So far from B of A I received a canned response letter about late fees and interest and another canned letter with a phone number that has a horrible phone tree that does not have an option to address the case number. 
It seems pretty clear that they are not going to investigate and correct 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 monetary relief
Consumer complaint received 2021-04-17
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed out a certified letter to SEQUIUM ASSET SOLUTIONS starting on XX/XX/2021, and allowed the 30 day window for collections agencies to respond to disputed collections, they failed to respond to my request in its entirety, so I followed up with another request allowing them an additional 15 days to respond and again they failed to respond, to this day I have received no communication from the company but yet they are still reporting invalid information on my credit reports from all 3 bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I entered into an agreement with Wakefield associates at the XXXX Tennessee office for medical debt. The debt was around {$1200.00}. My monthly payment I was told had to be {$120.00} or they could not assist with arrangements. The amount was paid for several months until I became ill. I then called a Wakefield rep to see if it would ok to lessen my payment for a couple of months and then return the original {$120.00}. I was told that it would be fine as long as I did not stop paying all together. So for one month I paid {$50.00}, the following month I paid {$75.00} and last month I began paying the {$120.00}. 

Beginning from XXXX to XX/XX/XXXXI have received numerous calls at work, which my supervisor does not allow personal phone calls. There have been two men calling stating they represent Wakefield and associates. 

They have been ask not to call again, but as of Friday XX/XX/XXXX the calls and hangups are continuing. The calls are harassing because they either call my direct ext and directly hang up, purposely allow my phone to ring to voice mail and then hang up or their asking any coworker who answers the phone questions regarding my personal business. Recently I have been receiving calls after XXXX XXXX and sometimes before XXXX XXXX. In addition to that, they have taken some of my payments and most recently {$120.00} and are not properly crediting my account. But they are consistently harassing and trying to intimidate me as if they are not taking my cash payments. 

Since I 've been away, I have a temporary house sitter, who witnessed an unknown man and woman in a car. the man approached the mailbox as if he was trying to read the mail. I 'm very honest in my reporting of this incident and I ca n't prove that this was someone representing Wakefield and associates but I simply have a strong suspicion that it was. Especially since my house sitter said that he heard the woman in the car say " lets call the cops, we 'll get her XXXX ''. How is this deemed professional protocol.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have been billed incorrectly by CMG Mortgage for most of the time we have the loan ( XXXX XXXX ). We had to go to small claims court and were reimbursed for part of the money, however the company is consistently over charging us even after they admitted their mistakes. We have tried speaking to them tens of times and emailed but they have not corrected the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: CT
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 company Equifax is fraudulently reporting an account which has fully been paid off on my credit report. XXXX XXXX  for {$130.00} has been paid but they fraudulently refuse to remove it in violation of my rights. fraudulent company XXXX XXXX  is hurt I didn't pay them and paid original creditor iinstead. 
XXXX and XXXX have removed it

Company response to consumer: Closed with explanation