BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: IL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX IL XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reported to all XXXX credit bureaus and companies that this was false and inaccurate information reported on my report also identified as identity theft for both companies listed receivable performance with balance of {$1300.00}

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 an account without my written instructions

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 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXXl XXXX opened on XX/XX/XXXX has result of fraudulent activity was charged off by the company in XX/XX/XXXX in the amount of $ XXXX.A police report was filed for this and other fraudulent and identify theft related activities during that time frame.This was already resolved/resolved by XXXX but is still reporting to the other two credit bureau XXXX and transunion. This account does not belong to me and was never verified and is having a profound effect on my ability to secure my mortgage.I was issued free credit monitoring from XXXX be cause by information was compromised they are completely aware of 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 2021-02-03
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I got approve for an XXXX XXXX card for XXXX. I had a balance of like XXXX and some change. My payment was due on XX/XX/2021. I called in on XX/XX/2021 and asked for pandemic assistance because I had filed for XXXX through the Virginia XXXX XXXX and that program would not be up and running until XX/XX/2021, because President Trump did not signed the bill in time, and I would not have any funds until XX/XX/2021 or later. The agent stated " no worries I can remove the late fees and we agreed that I would make a payment on XX/XX/2021. A couple days later they decrease all my credit from my account that made my score go down about 80 points. I have never had a late payment ever on my credit history nor a late payment on all my accounts. from being out of work because of the pandemic I had to live off my cards and under {$300.00} a week from XXXX XXXX so I'm trying to survive with a wife with XXXX XXXX who a high risk individual to covid-19. I only used the card like one time. when called in to resolve the matter the played games on the phone pretending like they was transferring me to another department while still talking to the same agent. I was really was being taken for a ride trying to get them to communicate with me about the matter. I paid the card off on XX/XX/2021 like I agreed to with the customer service agent and was told by the agent that they did not know would my credit would be restored or not while I took a decrease in my credit score. They still did not take back all of the late fees that was applied to my account.

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 2023-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Bank of America has a policy on its checking account that one has to either have 1 ) direct deposit of {$250.00} or more every month or 2 ) maintain a minimum daily balance of {$1500.00} or more every month.

I can not set up direct deposit through my employer so I go with the second option. The bank continues to charge me {$12.00} per month.

Originally their policy defined minimum daily balance as an average. At some point it changed because now they say if the balance falls under for one day, the {$12.00} charge is assessed each month. This is misleading, if not a bait and switch, since most banks define minimum daily balance as an average. And the fee is assessed on a monthly basis not a daily one. Bank of America is not clear in its literature - I had to call someone in person to get a definition.

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 2020-01-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian has allowed another medical charge on my credit report, from the same collection agency named XXXX XXXX XXXX that I reported to the CFPB and on my Identity Theft report as reporting fraudulent information on my credit report. The charge on my credit report for {$400.00} is fraudulent and does not belong to me. Also, being that Experian is fully aware of my identity theft ( that I have reported to them over 5 times ) and which I am still working to resolve, they did not make me aware of this charge being placed on my credit report. I found out through trying check my credit report. I would like for Experian to please remove the fraudulent charge of {$400.00} 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 non-monetary relief
Consumer complaint received 2023-11-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was scammed by a phone caller on XX/XX/2023 who made me believe he was with American Express. I contacted American Express immediately after hanging up with the caller. 
He made purchases without my permission as we spoke. I never gave him my card information because he already must have had it. American Express is holding me responsible for charges of over {$4300.00} made in XXXX. I've been with American Express for over 50 years and never travelled out of the country, including XXXX. They never contacted me by phone to check on the charges being made. I was not protected by American Express as they claim I would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: FL
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX XXXX XXXX ( Loan # XXXX ) is not being reported as a XXXX XXXX. It is reporting as an Other Loan and needs to be reported as XXXX XXXX XXXX to the credit bureaus.

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 2023-11-06
Company: DISCOVER BANK
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have no knowledge of the hard inquires, hard inquiries are a result of identity theft and it must be removed no later than four business days as per 15 u.s. code 1681c-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was granted a one time forgiveness for a late payment that was posted on my credit XXXX credit card XX/XX/2021. We have tried multiple times with my credit card company to have the credit reporting agency to remove the late mark and they have not done so, I also have a letter from my credit card company stating the remark is supposed to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is our final attempt and notice demanding refund/credits, and mortgage payment to be returned to {$1100.00} as per the loan closing contract signed in XXXX. 

Since XXXX of XXXX we have attempted to resolve this out of court, with no results on your part. This is a follow up of a previous complaint, that surprisingly enough as of today XX/XX/XXXX United wholesale mortgage do not want to finally resolve this issue created only by this company, violating the selling contract and ignoring the law and rights we have. 
Since XX/XX/XXXX United Wholesale Mortgage has unlawfully charged our loan account with unlawful charges and has unlawfully created escrows account when not need it. Despite many occasions that we have proved that we pay our own taxes and insurances, without ANY gap in coverage. 
We have been compliant with all the requirements regarding insurance and taxes and XXXX months now have passed with no final resolution/clarification in the mentioned matter. 
This situation with UWM has cost us additional damage, mental anguish, trauma and stress that just last week took me to the XXXX room. 

Please refer to the attached letter from XXXX XXXX dated XX/XX/XXXX : XXXX your loan closed with no escrow account requirement and you are responsible for the payment of hazard insurance premiums XXXX This letter also mentions an for escrow shortage in the amount of {$79.00}, on XX/XX/XXXX a payment of {$94.00} was made which was directed to be pay towards the mentioned escrow shortage above. 
On XX/XX/XXXX I immediately called to the XXXX resolution team at the XXXX XXXX XXXX to clarify that this payment was to be directed to the escrow shortage of {$79.00}, despite several phone calls, and us be very proactive to clarify all of the mentioned above, NONE OF THIS HAS BEEN RESOLVED. ***please find the attached call log.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Between XXXX and XXXX of XXXX, I initiated multiple communication attempts with Equifax in an endeavor to rectify inaccuracies within my credit report. Regrettably, as of XX/XX/XXXX, my credit report remains inaccurate. Disturbingly, I have ascertained the existence of XXXX or more credit profiles associated with Equifax under my name. During XXXX, I diligently furnished Equifax with my driver 's license as supportive documentation, evidencing the inaccuracies present in my information. 

The repercussions of this persistent inaccuracy have manifested in manifold adversities. Firstly, my capacity to secure credit is impeded, as XXXX profile exhibits an absence of trade lines, while the other presents erroneous information. Furthermore, there exist items necessitating dispute, yet I find myself incapable of initiating the dispute process. Additionally, my access to the credit report itself is presently obstructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-10
Company: General Motors Financial Company, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I've been making my payments on time and applying additional principal to my payments. My principal applied to my payments had been going up why interest going down but my last payment, the principal decreased and interest rose. My monthly payment is XXXX and I originally was paying XXXX. I found out after doing this, they weren't applying the additional money to principal by just reducing my next month 's payment. So I called and they told me that I would have to call them and have the payment changed to reflect the additional principal to come out, which I did. Here how payments were applied. 

DATE ACTIVITY AMOUNT - XX/XX/XXXX Payment received. {$720.00} ( {$650.00} principal + {$67.00} interest ) XX/XX/XXXX XXXX {$60.00} XXXX Payment received. {$780.00} ( {$680.00} principal + {$100.00} interest ) XXXX Payment received. {$780.00} ( {$680.00} principal + {$100.00} interest ) XX/XX/XXXX Payment received. {$720.00} ( I made payment of {$800.00} ) ( {$550.00} principal + {$160.00} interest ) XX/XX/XXXX XXXX  {$73.00} As you can see, my XX/XX/XXXX had less principal applied and interest increased

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have formally requested the closure of my Capital One 360 account since XXXX. However, despite the passage of XXXX years, the account remains active. I seek your assistance in expediting the resolution of this matter. This week, I made XXXX new requests to close the account and remove it from my online profile. I was informed that the account couldn't be closed because it was negative, but that is untrue. The attached statement shows this account as XXXX balance since XXXX Today, I spoke with XXXX in the management team, and here is the request number : XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-05
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020, I received a phone call from a 1800 number that appeared to be from Discover card. The person on the phone identified themselves as Fraud services at Discover. They proceeded to tell me that there were multiple fraudulent purchases on my account the needs to be verified. I told them that those weren't from me and she said she'll initiate cancellation. I got another call hours later from a number definitely a discover card number telling me that the card is sent out. I got a call today, from the same number, but the phone call sounds much more legit. I was told that there are still charges to my account. The new person was definitely more professional than the first people. It is likely that the first calls were not even from Discover and were fraudsters spoofing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2018-02-12
Company: Kashia Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Subject : XXXX XXXX XXXX subsidiary Inbox Loan Not Licensed for Lending Activity in the state of CA. 

I began to suspect suspicious activity from the lender when I received multiple calls to complete an application after I had already done so. I was receiving multiple calls, emails and voicemail messages from various representatives of the company to verify my bank account details and at one point received an email that my bank account details were verified although I had already completed over the phone with the representative days before. After receiving the loan, I reviewed my statement and noticed incorrect amounts that were not quoted, or reviewed with me, over the phone. In addition, the monies they were going to take out on the first payment were more than stated. After noticing all of the discrepancies I began to research and found out the company was not licensed to do business in the state of California which is where I reside. In addition, I saw several reports of the parent company " XXXX XXXX XXXX '' was not licensed to do business in several states and were known to do business under various business names one of them being " Inbox Loans. '' After finding this information I contacted XXXX Loans to request their license number and was told by several representatives that they didn't know it or that their Finance department was the only one that had the number. I contacted the Finance department and was also told by the representatives in that department that they didn't know it and my request would have to be escalated. I contacted the CA Department of Business Oversight and it was confirmed by a representative that XXXX XXXX XXXX and Inbox Loan had been reported and were not licensed but I would have to contact FTC to report it. The FTC suggested I file the complaint with the CFPB. I have received numerous calls and messages to collect monies on the loan, often times late at night or at work. I am frustrated and scared this organization will take the information provided and access my personal data, including financial data. Can someone please help!

Company response to consumer: Closed with explanation