BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-27
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 is missing that should be on the report

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-10-27
Company: Experian Information Solutions Inc.
State: MN
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:
There are many mistakes appear in my report without my understanding.

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 2022-11-18
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:
15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Multiple emails from this XXXX XXXX- some from XXXX XXXX XXXX some from a XXXX XXXX . 

Over the past year or so I have received no written notice regarding this debt and payment options. I do acknowledge I may be liable to pay this and will clear it- but am not comfortable sharing personal information and credit card over an email. They will not provide a call in number or collection person to make payments or where to mail in money order payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: McCarthy, Burgess & Wolff, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection agency represents XXXX, in order to do what they want, I would have to violate XXXX laws, by climbing on a roof, and risk electric shock.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email from Equifax on Sunday XX/XX/XXXX stating that I'm trying to apply for credit card through XXXX XXXX  which totally not true. That same day i filled a dispute with Equifax and on Monday I contact Equifax to complain Equifax refuse to take my complain. I contacted XXXX who is credit monitor through my company to filled a complain. On Tuesday my online dispute through Equifax came back stating the information is accurate Immediately i contacted Equifax the same thing happen again refuse to help in this matter and it's affecting my credit score. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Multiple accounts were opened in my name with XXXX XXXX XXXX XXXX, including : a checking, savings, and a credit card. But I personally did not open these accounts and have no offiliations to XXXX XXXX. My identity was stolen. I have already reported fraud to the company XXXX XXXX on XX/XX/2022. Since then, whomever opened these accounts has charged up a credit card bill of {$1800.00}, is not paying the monthly payment, and now my credit score has been effected.

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 2018-10-26
Company: EQUIFAX, INC.
State: FL
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:
When applying to refinance my vehicle, the lender reported equifax had no record of me. 
I called Equifax and they agreed-I had no credit or report. I am a homeowner, business owner, and have my background and credit pulled annually by government contractors. 
Equifax was absolutely no help as their phone operators and management could not speak english well enough for me to understand what they were saying. Can anyone suggest a remedy to this frustrating experience? 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My car was deemed a total loss on XX/XX/XXXX of 2020. The lender, Wells Fargo, was notified that my car was totaled by the insurance company, XXXX, in early XXXX. Wells Fargo is continuing to charge me late fees for a payment that should have been made post my car being totaled and them being notified that the car was totaled. I was under the impression that all payments and late payments should be stopped and the insurance company should be responsible for anything outstanding. 

I am now being penalized daily for late fees and past due payments because I'm waiting for Wells Fargo and XXXX to finish communicating about my loan payoff. This does not seem like a fair practice. To charge consumers egregious costs due to the company 's own slow processing times is unjust. 

I can share more about the details of the case as well as provide emails. Thank you for your time.

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 2023-07-27
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2020-10-19
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Good day. On XX/XX/2018 I made a purchase for {$10000.00}. I was paying off the credit card interest free. I was never late and never missed a payment. The last bill for the balance of {$560.00} I paid by the due date. Unfortunately, in XXXX I got sick with XXXX and was immobile for 3 weeks. Comenity credit card completely ignored all my cries for help and understanding. They ruthlessly slapped with with almost 30 percent interest from day 1. I keep calling them and telling them that credit card companies offer relief and help during hard financial times but they being completely ignorant. 
I was never late. I dont have any balance on any of my credit cards. My husband was sick with XXXX XXXX. I was sick with XXXX and my father is still sick with XXXX XXXX. I am dealing with a lot of stress and they are trying to collect from me money that I do not owe. I paid off everything and do not owe anything. Comenity reported late payment to the credit bureau as well. They are ruining my excellent credit. 
Please, ask them to dismiss the ridiculous interest charge from day 1. 
Account number : XXXX Address : Comenity Capital Bank XXXX. XXXX  XXXX XXXX, Ohio XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: MA
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank of the west is charging me out of the air and their explanation is that they do not know how they get their figures. 

# 1 Bank of the West costumer service in real estate dept. is clueless about the problem and they not willing to correct it. 

# 2 their accounting Dept. is not communication at all to correct the issue and they turning blind eye on me. 

# XXXX Bank of the west is throwing numbers out of the air with vague explanation of why the monthly numbers are not correct. I spoke to bank manager and the person agreed that nothing make sense, accounting does not make sense. I ask for them to audit their account to investigate their unfounded fluctuating fees and bank of the west said they will not do it. Here are the issues : I had a HELOC account for about 2 years and on XX/XX/2020 I applied for emergency disaster forbearance. I was on forbearance for 3 months and and my end date was in XXXX of 2020. I communicated with bank of the west and asked what is the final amount to pay for the 3 months of forbearance so I can catch up and get to normal chargers. They said {$1800.00}. I paid {$1800.00} in XXXX XXXX see image In XX/XX/2020 I get a bill for {$480.00} and I paid it thinking by now this is correct and account is back to normal. 

In XX/XX/2020 I see my account online about {$900.00} was due. I called and asked what is this high fee for and the reply was that is the remaining balance for the forbearance. After XXXX days Bank of the west corrected it to {$170.00}. Which did not make sense and they did not give me explanation what is {$170.00} is for. I paid {$170.00} to satisfy this bank. By now I started to suspect that Bank of the west playing scam games or fraud charge tactics. 

In XX/XX/2020 I get a bill for {$520.00}. I paid it In XXXX I get a bill for {$400.00}. I called Bank of the west asking why is XXXX bill {$520.00} and XXXX bill dropped to {$400.00}. Bank of the west answer was that XXXX bill has some remining balance of the forbearance. At this point I HIGHLY SUSPECT Bank of the west is XXXX  me as we confirmed in XX/XX/2020 the payment of {$1800.00} was the final bill to end the forbearance and this bank scamming me. their accounting does not make sense at all. AND I AM NOT CONFIDENT THAT THEY BEEN CHARGING ME CORRECTLY SINCE I GOT THIS HELOC. 

I checked some past recites and again I see high and low accounting charges. I want this bank to be audit since opening HELOC ACCOUNT to date, specifically my HELOC 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 explanation
Consumer complaint received 2023-05-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I mailed a dispute letter for this account on XX/XX/XXXX stating that the charged for this account from XXXX 's XXXX was not accurate. In that letter, I explained that I ordered a sofa that was not delivered and was charged for on XXXX XXXX. I also asked for the signed delivery receipt to ensure it was delivered to the correct address as I did not sign for it. Please review the letter sent. this was also disputed with the credit bureaus as it now reports as a late or past due payment. 

XX/XX/XXXX As per the previous message, we have made it passed the 60 days to allow time for your organization to review the disputed information. To date, I have not received any results or updates via email, mail, or direct message showing the requested verification of the purchase and delivery. At this time, my account is reflecting as past due and is accruing late charges. If the results of the investigation were mailed, please provide the tracking number and information so I may validate the arrival of the results within the proper time frame. If the proper method of verification has not been completed as requested in the previous message chain, my request is to have this dispute closed as it is beyond the time legal frame for completion of an investigation, and I would request that the balance be reflected as XXXX, with no known knowledge, and it should be removed from my account and from the credit bureaus. As of this date, there are no late payment reflections on my account, and I would like to keep it that way as I have been more than cooperative in handling this dispute in a timely and proactive manner. Thanks, 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 2017-06-24
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Frequent calling examples : XXXX midland credit Called sat XXXX at XXXX, XXXX, XXXX XXXX midland credit Called XXXX at XXXX, XXXX XXXX midland credit Called XXXX XXXX, XXXX ( verified myself ), called again at XXXX XXXX midland credit Called XXXX XXXX, XXXX ( verified myself ), called again XXXX This pattern has occurred frequently for over a year. <P/>This company also scheduled a post dated payment for a payment arrangement without my authorization after I had told them I did not want to post date any payment. They used the card information for the payment I made and authorized for that day and also scheduled a secondary post dated arrangement that I did not agree to and they attempted the withdraw funds from my account without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21
Company: HEARTLAND PAYMENT SYSTEMS INC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For about a month I am trying to pay my loan via XXXX debit card, but the new website for Heartland ECSI is not allowing me to do so. I spoke to customer service and they told me that there was a problem with the website but 3 weeks have gone by and I still cant pay through the website. 

I filed a complaint with CFPB and in XXXX XXXX the company replied to me saying that yes, that payments with XXXX card using XXXX could be made. I have tried to pay again using XXXX and I still am not able to pay. I inmediatelly answered to their email but they have not responded, and I am still not being able to pay using my XXXX debit card. 

I now live in XXXX and I am very worried because I want to pay my student loans and this company is not allowing me to do so after they changed their website. 

I am afraid also that they will give me late fees because payments are not able to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXX XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm having a problem removing fraudulent information from my credit profile, that is recorded with XXXX, XXXX, and transition. I was XXXX in ferderal for seven years and some used my information please have it all removed. XXXX XXXX XXXX XXXX XXXX, acct # XXXX, address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX , acct # XXXX, address : XXXX XXXX  XXXX XXXX, XXXX , VA XXXX. And there are about 5 inquiries on my report that arr fruadulent. Proof of my release and copy of ID with correct a dress is attached to this document.

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 2020-10-19
Company: Experian Information Solutions Inc.
State: IN
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:
ACCOUNT : XXXX XXXX was granted a judgement against me. 

Status and information is incorrect. 

The company agreed to settle the account and remove the debt from my credit reports after the settlement was paid. 

I paid the amount agreed upon in a lump sum but account has remained on my Credit Reports.

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 2020-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I request verification like the original signed consumer contract from Portfolio Recovery Associates Amount {$4200.00}. I sent them three letters requesting documentation like the original signed consumer contract as required by FCRA, but they never produced it. The only sent a letter the original creditor sold the account to Portfolio Recovery Associates. I sent three letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020. They could not produce verification of the debit. They said they verified, but Who verified no documentation was sent to me. How did they verify the debit? This is showing as a collection and hurting my credit. In addition I noticed today a second account has appeared as collection in the amount {$6700.00} now I will be starting the process with this account. I have sent three letters to all three credit bureaus as well which I will be filing complaints on as they did not provide the required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: JPMORGAN CHASE & CO.
State: IN
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:
From XX/XX/2018 to XX/XX/2018 Chase Bank had charged me XXXX NSF transactions total of all transactions is XXXX. 
I had called Chase Bank center 3 or 4 times did not resolved anything Best regards XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief