BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-20
Company: U.S. BANCORP
State: KY
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 had a card with U S Bank for three yr ( or longer ) and never missed a payment plus I am not over limit never have been and I recently have had some problems so my credit is lower I am working diligently to get all my cards paid and never miss payment. U S Bank decided to jack my interest rate to 23.74 % because they ran a recent credit report. The reality is they are screwing the consumer and with this interest rate I can never climb this mountain and get them paid. This is usery. If they want to help someone like me they could but this is just XXXX the little guy when he is down. I had two cards wsith them Both had never had late payment or been over limit. The cut the limit on the other which negatively impacted my credit score because it affected by utilization percent and now they have done 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 2023-06-19
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a commercial financial packet about 3 months ago as instructed by PHH so I could get much needed financial assistance for a commercial mortgage! I am not currently in default and trying not to be. I have called and emailed several times to no avail! I repeatedly get the same excuse that the packet is being reviewed. I have contacted my relationship manager, XXXX XXXX numerous times to no avail! I keep being told that she's busy and will call back but she never does! This is causing me emotional distress and is unacceptable! I truly believe that I am being ignored due to my rental property being in an urban area. I am seeking legal guidance, this has gone too far, I truly believe their practices are discriminatory!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Other Than Medical XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX These are Fraudulent Inquiries that I've never authorize, nor did i give permissible purpose and I've attempted to dispute these inquiries with the credit bureaus. I've filed a police report to report this as well as Contacting the creditors themselves.

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 2020-01-27
Company: BBVA FINANCIAL CORPORATION
State: MO
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:
Ending balance on XX/XX/XXXX XXXX close of statement ) : {$6600.00} ( Due : XX/XX/XXXX ) XXXX Activity : Purchase : {$1900.00} Total Balance : $ XXXX+ {$1900.00} = {$8500.00} Payments : XXXX ( all posted by XX/XX/XXXX ) ( remember due date XX/XX/XXXX ) Ending balance XX/XX/XXXX : {$0.00} Interest charged on XX/XX/XXXX : {$80.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-26
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I opened a membership with XXXX XXXX XXXXXXXX of XXXX, in the XXXX TX, I used the facility once or twice and never returned. I continued to pay the membership until XXXX of XXXX, when I relocated to XXXX which is 50 miles away from their location. According to their contract, the membership can be canceled, if the member relocate 25 miles away from the gym. I mailed the cancellation form to the address stated on the agreement, however they did not cancel the membership. The account was sold to ALDOUS AND ASSOCIATES debt collection and in XX/XX/XXXX it was reported to XXXX which decreased my credit score by XXXX points. Ive disputed the debt with XXXX they did not remove it. The debt was reported a second time within the same year which resulted in another decreased of my credit score. On XX/XX/XXXX it was reported again as an opened account which resulted in another decreased of my credit score by XXXX points. The account should be canceled as requested back in XXXX of XXXX. The debt should be removed from XXXX immediately because ALDOUS AND ASSOCIATES, failed to include an account number with their reporting, they also violated the Fair Debt Collection Practices Act or the Fair Credit Reporting Act by reporting the debt multiple times and it should not be reported to any other credit 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 2020-09-07
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citbank closed my account 2 years ago this XXXX, without my knowledge. I received a " Notice of account closure '' email on XX/XX/2018 that my account had been closed due to 2 returned payments in 6 months. 

However, I had already called Citi and explain that my sister had recently moved out of my parents house and when she changed her address with USPS she selected to move the whole family which was sent to the CC company and my bank. I had no idea this was done and when I called originally, the bank ( XXXX ) told me they stopped the payment, not due to lack of funds but due to a fraud risk after she changed the address. I was on the phone with XXXX XXXX for hours to make sure everything was fixed. Unfortunately, there was one area they forgot to secure that the account was good again, but I only learned that when I went to make my payment for the CC again. I had XXXX and Citi bank on the phone together at the same time and XXXX explained the situation. 

The Citi representative sent the situation to management but they declined to reinstate my card. I went around and around with Citi and XXXX just to be told I was no longer allowed to have a card with Citi. This was my largest credit card ( I was approved for up to {$25000.00} ) and they closed it on me so I was unable to get another card for anywhere near that amount. I waited a year to reapply for the card and decline again because of my previous situation. 

I have been unable to get a CC approved for such an amount since this event. Regardless of my attempts to provide documentation from the bank, USPS, etc. showing Citi Bank that this was a mistake that was not in my hands.

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 2023-06-13
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 status incorrect

Complaint:
This account was closed XX/XX/2017 with a {$0.00} balance, but is reporting a balance of {$350.00} which is INCORRECT.

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 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX : XXXX Transunion XXXX XXXX open dates dont match up XXXX XXXX XXXX : XXXX Transunion : XXXX open dates dont match up XXXX XXXX XXXX : XXXX Transunion : XXXX open dates dont match up I have attached screenshots taking with the account numbers posted by them i have also attempted to dispute with creditors and furnishers they never sent proof showing the accurate information they clearly have two different open dates which is a mistake by law it must be removed. XXXX removed the account but transunion and XXXX verified it which doesnt make any sense at all.

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 2018-09-24
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
We brought a XXXX XXXX from XXXX XXXX XXXX we did not know so many hard copies to different credit companies would be counted against us. Each one of the inquires since to be counting against me and helping to lower my credit score. 
1.XXXX XXXX Inquiry : XX/XX/XXXX 2. XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX 3.XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 4. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 5. XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX These were send in by one company. 
XXXX gives you a 30-day grace period before certain loan inquiries are reflected in your XXXX credit scores. And XXXX may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For XXXX scores calculated from older versions of the scoring formula, this window is 14 days ; for XXXX scores calculated from the newest versions of the scoring formula, its 45 days. 
These two are the same company that finance my car why would they be counted as two : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY

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 2018-02-13
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 I used an ATM what is apparently a non-coop ATM. The ATM charged a {$3.00} fee. I accepted the Fee as the Navy Federal bank account I have states I have ATM fee reimbursement up to {$10.00} per month. However, later that day I noticed an additional fee from Navy Federal which prompted me to call and ask about the fees. At that time I was told only the fee from Navy Federal would be refunded and not the fee from the ATM. I feel this is a violation of UDAAP as the Navy Federal advert does not make a distinction between Navy Federal ATM fees and other ATM fees. Also, the Navy Federal fee sheet only states that " The owner of a non-Navy Federal ATM may charge a fee. '' The fact that none of the information provided states that fees from non-Navy Federal ATMs will not be refunded is deceptive. I contacted Navy Federal about this issue and they referred me to the fee sheet attached, which still does not differentiate between Navy Federal ATM fees and other bank ATM Fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit report and/or score hasnt been updated on Experian website since 2018. I had subscribed to their membership offer and when I terminated the membership my information hasnt updated since. I spoke with a representative in the membership department concerning the matter. I was told that the report cant be updated because they need a photo ID but Ive sent Experian several copies of my ID with my dispute and/or method of verification letters. I want to be treated fairly as a consumer. I can only see old information and credit alerts. Ive attached a picture.

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 2022-08-05
Company: AMERICAN EXPRESS COMPANY
State: CA
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 NOT BEEN ABLE TO VIEW MY XXXX CREDIT REPORT FOR A FEW YEARS DUE TO A FRAUD ALERT GLITCH ON XXXX SIDE, I WAS FINALLY ABLE TO VIEW IT TODAY ONLY TO SEE THESE INQUIRIES THAT ARE NOT MINE! THESE ARE NOT MY INQUIRIES, I HAVE NO KNOWLEDGE OF THEM REMOVE THEM : XXXX : XX/XX/XXXX AMERICAN EXPRESS : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( all dates as follows ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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 have disputed this account various times for fraud and various inaccuracies on my report. This company has violated my rights under 15 USC Code 1681i and continue to illegally report false 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 2022-07-11
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the account numbers XXXX, XXXX****, and XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( XXXX ) be removed from the following account ( XXXX ) immediately. XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My pay was reduced as a result of the COVID-19 pandemic. On XX/XX/XXXX, I tried calling Wells Fargo to see about a 2-3 month payment deferment ( Moving payments to the end of my loan and extending my maturity date ). I could not reach a person on the phone, so I clicked the " COVID Payment Relief '' option on their website. I messaged their online system that I would like a 2 or 3 month payment deferment. I never received a response and my payments were not pulled via AutoPay, so I assumed they processed my request. I tried calling in XXXX but no response so I clicked the message option again to see if they processed my request and not response. 
I then received a Past Due notice in XXXX. I called and was told to disregard the letter and that they put me in a 6 month " Forbearance Plan ''. I then logged a complaint that I did not want this and asked if I would owe all payments at the end of the Forbearance. I was told no. I told them I've read articles that they have placed people in these plans without their permission and it's not okay. 

In XXXX I received a call from the Executive Complaint teams stating I owe them {$17000.00} in XXXX or they will report me to the Bureaus as delinquent. These are Unfair and Deceptive acts and Practices. They did this without my permission and now state I don't even qualify for a deferment due to my Originator being XXXX XXXX. I asked for a deferment and was placed into a plan designed to make people default instead of assisting them through hard times. They told me there is no record of my Online Messages, where I requested a Deferment. This can not be true. Had they explained this to me before placing me in Forbearance, I would have never accepted it.

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 2020-09-07
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/XXXX I talk with a supervisor with Experian on the conversion I was told to get a Letter from US bankruptcy court.. Soon I receive the letter I sent it Certified mail on XX/XX/XXXX to Experian.. On Today XX/XX/XXXX they update my credit file & the Bankruptcy still on my report this is against the law. I spoke with a Second Supervisor his name was XXXX told me that the letter was correct & this Bankruptcy will be remove. I will upload the letter i sent to Experian. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

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 2021-02-07
Company: EQUIFAX, INC.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Equifax on several occasions disputing and requesting the description of the procedure used to determine the accuracy and completeness of the debt they claim I owe. I have also contacted the creditors in order to confirm the debt they claim I owe. Since these creditors can not verify these debts, Even tho I am the alleged debtor, Equifax couldnt have verified these items. The FCRA, FDCPA and FCDA require a signature on a original consumer contract for a debt to be valid. As per FTC opinion letter of attorney XXXX XXXX XXXX you should be aware that a print out of a bill or itemized document doesnt constitute verification. I would like to inquire how these accounts were verified without providing any proof during my signature. I formally request the method of verification or any document provided during my signature showing that I have or had a legally binding contractual obligation to pay the debt your company is reporting inaccurately. In accordance with the Fair Credit Reporting Act section 168 i, Your company is required to reinvestigate these items and delete them in the absent of any such documentation baring my signature. If you cant show proof that you have verified these debts and you continue to list these items on my credit report I am prepared to sue your company under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
i have inaccurate information been report and this company is doing nothing to help or investigate, i have not received any respond i been totally ignored. 
I sent the first letter on XX/XX/2020. 
please see attached all letters been sent, proof of ID and proof of address.

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