BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-27
Company: Big Picture Loans, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan with Big Picture Loans ( a wholly owned subsidiary of " XXXX XXXX XXXX XXXX XXXX XXXX '' ) at the end of XXXX for {XXXX}. I did n't realize at the time that the APR for this loan was a staggering 683.3731 %. I was scheduled to make a total of 13 payments in the amount of {XXXX} every two weeks following the deposit of the funds. So far, I have made a total of XXXX payments in the total amount of {XXXX}, of which only {XXXX} has been applied to the principal balance. The remaining {XXXX} has been applied toward the interest. Since learning that Big Picture Loans is a tribal lender, I was made aware of the fact that this tribal lenders are not licensed to give or collect on loans in the state of Missouri, where I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2022-03-30
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I tried to finance a car through XXXX  I told them I only wanted my credit ran to one bank but they ran it through serveral other banks. 
It was ran through XXXX XXXX XXXX XXXX two times on 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 2021-11-08
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In XXXX, 2016 I received a credit card statement from XXXX. I never opened a credit card with this store and tried to call the number on the statement. It was an automated system and I could never reach a person. I also wrote to the company to explain that this was not my account. I continued to receive statements and filed a police report for fraud. I also requested a copy of the original application for this credit card ( since I did not apply for it ) but I never received it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a continuation of complaint # XXXX, Bank of America NEVER provided any information about the status of the mortgage application, in violation of the terms of the loan application. 

Now Bank of America HAS NOT provided a response to the above referenced complaint. 

CFPB sent an email to us on XX/XX/2022, which said : " The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. '' Since it is not possible to get a copy of the complaint response from CFPB and Bank of America HAS NOT sent the response to us directly it is necessary to file a new complaint. 

I have to assume that, not only did Bank of America violate banking regulations and the terms of the loan application, there must also be potential illegal financial and borrowing issues that Bank of America is trying to avoid disclosing. If we had received the complaint response, we would have been able to dispute the facts of that response.

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 2022-03-30
Company: Bread Financial Holdings, Inc.
State: OK
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 called Comenity bank they service my XXXX Cc and on XX/XX/XXXX I made a XXXX payment on my XXXX CC and come to find out they ran an audit on XX/XX/XXXX and supposedly due to my credit score went down they decreased my credit limit. I paid on all my CC on XX/XX/XXXX and that increased my credit. I called and the reps at Comenity stated they cant do nothing from their end. I monitor my credit due to Im about to refinance and with them decreasing my credit now it looks again that Im close to my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX, my wife and I closed on our loan for our home. It was to be a conventional construction loan and per the closing disclosure we were not to have an escrow account. From XX/XX/XXXX, toXX/XX/XXXX, we did not receive notification of any changes to our loan until we received a XXXX package on the front doorstep notifying us that we owe over {$7000.00} to finalize the loan. We were not notified of this amount previously and the communication from the company was only the interest bills that we were aware of and paid. I began to dispute this with the company in XXXX, it was not until XX/XX/XXXX that we received another XXXX package on the doorstep in which they state we owe over {$8800.00}. According to our closing disclosure, they opted out of us having an escrow and are now attempting to force into one with a large sum of money due to them immediately. We are not the only family to deal with this as we have met others with the same issues with this company. They have recently told me that the loan was not a conventional loan, but a XXXX XXXX loan, which is not disclosed on the closing documents. We have been told numerous things for them to change later. This company has lacked communication and lacked the ability to follow their own documents and force the consumer into large amounts due without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
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: Information is missing that should be on the report

Complaint:
I 've disputed this info with the CRA 's and they were required to # 1 put the notice of dispute within 30 days of receiving my 1st dispute which they did n't and # 2 the info on my credit report is required to be accurate and complete. Each of the accounts that I have disputed are now missing the original amount.
All 3 CRA 's are stating these items have been verified but I can see that none of them have the notice of dispute like I mentioned and I 've seen that none of them have have the original amount as required. In addition, where 's the proof that any investigation was done?

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 2021-05-11
Company: Experian Information Solutions Inc.
State: WA
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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file 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 explanation
Consumer complaint received 2021-11-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I submitted complaint XXXX to resolve a dispute with Fifth Third Bank XXXX The balance on my credit card was {$18.00} on XX/XX/XXXX while I was waiting on a response to my complaint. 
On XX/XX/XXXX I was charged a {$25.00} late payment fee. 
On XX/XX/XXXX I received notice that Fifth Third was going to pay {$12.00} of the {$18.00} in fees. As soon as I got the email that they were going to pay {$12.00} of the {$18.00} in fees, I immediately called 5/3 to pay the {$6.00} remaining. This posted to my account on XX/XX/XXXX. 
On XX/XX/XXXX I was charged a {$1.00} minimum finance charge fee. 
As soon as I received the check for {$12.00} from Fifth Third, I applied that to the credit card account. It posted on XX/XX/XXXX. 
I have called XXXX XXXX, the woman that responded to my first complaint, at the Office of the President, multiple times and left multiple messages over the past few weeks with no response. My calls always go directly to voice mail. There is no other contact information listed for her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: U.S. BANCORP
State: OR
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:
US Bank advertises a 50 % bonus on points when using points for travel booked through their portal using their premium travel card ( XXXX XXXX ) ; however this bonus is non-existent on their website. After noticing no discount available, I spoke with US Bank customer service who said this was a reward through XXXX and instructed me to call them at XXXX and I spoke to XXXX. During this call I was informed XXXX is not responsible for this benefit and that US Bank customer service would be able to help. 

Unfortunately nobody is taking accountability for this. I am attempting to reserve a hotel on their travel portal which is valued at $ XXXX {$330.00}, meaning I should be paying roughly XXXX points ; however everywhere is advertised as the cash equivalent value, not holding up to their end of what has been advertised.

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 2017-10-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I found in my Equifax credit report my personal information a wrong date of birth. In credit report they have XXXX XXXX XXXX as my date of birth which is inaccurate. My correct date of birth is XXXX XXXX XXXX ( XXXX/XXXX/XXXX ). I want this to be updated as soon as possible. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i sent out a debt validation letter to this company and they sent me a bill statement rather than proper validation of debt. this is not my debt i wish they would remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Problem with personal statement of dispute

Complaint:
I sent a dispute letter on the reporting on certain accounts. They are reporting inaccurately and reporting one account that does not belong to me nor they can verify. This has been an ongoing issue for the past couple months and they keep saying its verified without giving me proper documentation and reporting inaccurately. There is XXXX XXXX  auto loan they kept saying verified with no documentation, XXXX XXXXs that I do not own and reporting inaccurate, inquiries that I mentioned that werent authorized at all and they could not provide and proof of documentation. Medical bill thats being report with an unknown source no name to the company.

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 2022-03-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I FILED FTC REPORT AND MAILED IN ... I NEED THIS FIXED

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 2021-05-11
Company: EQUIFAX, INC.
State: WA
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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 contacted TransUnion Credit Agency on XX/XX/2021 to dispute the duplication of all my student loans. The problem is my student loans were all consolidated a year ago, I tried to explain to TransUnion on four other occasions that all of the individual tradelines for XXXX, US DEPT, XXXX, have all been consolidated into the one loan now. The consolidated loan is also being reported as well. DEPT of ED/XXXX  is the new loan 's trade line entry. All my loans are duplicated and they should not be.

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 2017-10-29
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I 've disputed this info with the CRA 's and they were required to # 1 put the notice of dispute within 30 days of receiving my 1st dispute which they did n't and # 2 the info on my credit report is required to be accurate and complete. Each of the accounts that I have disputed are now missing the original amount. 

All XXXX CRA 's are stating these items have been verified but I can see that none of them have the notice of dispute like I mentioned and I 've seen that none of them have have the original amount as required. In addition, where 's the proof that any investigation was done?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: Experian Information Solutions Inc.
State: CA
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:
It has been years now since I've furnished the proof get to XXXX XXXX XXXX via XXXX XXXX to be untrue because I was completely insured at that time by XXXX XXXX XXXX XXXX XXXX  insurance and that the bill should have gone to that insurance. I furnish proof to the credit bureaus to the consumer protection financial bureau and submitted a prior FTC report regarding the matter yet still it continues to be reported because XXXX XXXX  simply changes the amount and re-enters it as a debt. This is a form of extortion and should not be allowed in our country.

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 2021-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Received " Pre-Selected '' offer from Capital One XXXX. I want to opt out of these offers. Called their XXXX number XXXX. One of the first things that they asked for was my Social Security Number. I hung up. How can I opt out of these annoying pre-screened offers? I get quite a few of these offers. Most of them I have been able to stop, but this one is particular bothersome. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Halsted Financial Services, LLC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or around XX/XX/XXXX I received an email notification that I had a package ready for pick-up at XXXX. I was confused as I had not ordered anything and the label said " Hold at Location ''. The box contained an XXXX XXXX XXXX XXXX, which I did not order. 
I contacted the company that sent it, which is XXXX XXXX XXXX. They did not have an account for me and had no idea why I was sent a phone. Since the Federal Trade Commission states items not ordered but still sent can be kept or sold, I sold the phone on XXXX XXXX, XXXX. 

On XX/XX/XXXX I received a letter from a collections company named Halsted Financial Services saying I owed {$1300.00}. Letter says original creditor was XXXX XXXX XXXX and the current company that owns the debt is now XXXX XXXX XXXX XXXX. 

I called my local Police department on XX/XX/XXXX and filed a report. Police officer advised it sounds like ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 haven't received any supporting documents stating this alleged debt on my consumer report. Some of the accounts came back verified in investigation but with no explanation on how the debt came back verified. It is unlawful to keep these accounts on my consumer report if they are coming back unverifiable. Additionally, I have put in complaints to the XXXX to remove the accounts. The accounts say they notified the reporting agencies, but the inquiry is still on my consumer 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 explanation