BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-15
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Nickname, Account XXXX XXXX XXXX - XXXX I am appalled by the fraudulent actions committed by the Pentagon Federal Credit Union following a BILL CONSOLIDATION LOAN that I requested from it. In order to be thorough with explaining the scheme applied by the Pentagon Federal Credit Union to defraud me, it is imperative that I break down with the series of events designed the organization to rip me off through the loan. I am a victim of identity theft and no one can apply for a loan under my social security number without first confirming my total identity through the telephone. When I applied for the loan through the Pentagon Federal Credit Union website, I was informed that a decision on the load could n't be made without contacting me first and I waited until I received a phone from the credit union the next and I was informed that based on my credit score, I was approved for BILL CONSOLIDATION LOAN AT A OF 9.99 % and a check and other documents would have been sent to me. I received the check from the Pentagon Federal Credit Union about 1 week later without other documents to substantiate the promised interest rate and I proceeded with cashing the check since I relied on the information which was given to me verbally ( 9.99 % ) when my information was verified by the loan representative. Two weeks later from the date when I received the cashed and also cashed, Pentagon Federal Credit Union sent me documents WHICH PROVED THAT THE INTEREST RATE CHANGED FROM THE 9.99 % WHICH WAS AGREED UPON TO 17.99 % WHICH I NEVER TO. I agreed to pay {$450.00} on a monthly basis and I was being charged {$620.00} on a monthly basis instead. I called Pentagon Federal Credit Union on multiple occasions to resolve the issue, I was informed twice that they would have resolved the issue with the interest rate, but they never resolved it. I later called multiple times to speak to a supervisor, only one lower level was willing to call me back amongst all the request that I made, but he was n't willing to help me and he also mocked me. I was n't willing to make any payment to the Pentagon Federal Credit Union until this interest rate situation is resolved and the credit union still continues to send negative information under my name to the Credit Bureau Agencies. I am willing to make payments for the CONSOLIDATION LOAN I owe to Pentagon Federal Credit Union until the interest rate issue is resolved. I have heard before that Pentagon Federal Credit Union was fraudulent, but I never thought it was that bad. I just hope that other military member and federal employees wo n't have to face similar issues with Pentagon Federal Credit Union in the future since it seems this organization is use to committing fraudulent acts as such.

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 2021-11-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a certified letter to XXXX and Equifax to investigate the following inaccurate information on my credit report, which includes but is not limited to : Incorrect Names Incorrect Employment Incorrect Address Incorrect Credit Information In addition, I asked these XXXX companies to please send me all notices of corrections to anyone who received my credit report in the past XXXX months. 

These XXXX companies have failed to comply. My credit information on my report is very importand to me and I wish to get incorrect information off my report history as soon as possible. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Bank of America charged me an interest fee charge of {$47.00} on XX/XX/2019 for credit card balance of {$3900.00} due on XX/XX/2019 according to the statement dated XX/XX/2019. On XX/XX/2019, I made a payment of {$4800.00} before the due date of XX/XX/2019. The balance left was {$260.00} as of XX/XX/2019 because this was a pending charge therefore I could not included it in my payment. 

On XX/XX/2019 Bank of America statement shows a second interest fee charge of {$50.00} for a balance of {$260.00} which was due on XX/XX/2019. 

I called them on XX/XX/2019 and talked with XXXX. 

He stated they charged me the second interest fee for the balance carried from XX/XX/2019 to XX/XX/2019 but I emphasize that the due date for that balance ( i.e. {$5100.00} XXXX was XX/XX/2019. As I mentioned above, I paid {$4800.00} on XX/XX/2019. Therefore I should not be charged interest for 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 monetary relief
Consumer complaint received 2022-08-14
Company: IQOR US INC
State: SC
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:
There is account on my credit file that is fraud, XXXX XXXX and Allied Interstate are reporting information to my transunion credit report that 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 explanation
Consumer complaint received 2022-01-11
Company: Mercedes Benz Financial Services
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Paid an unauthorized downpayment transaction on a vehicle at the dealership in a consumer finance charge and everything was not included in the finance charge, such as insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I was taken advantage of after several of accounts were removed form my account then replaced. This is a updated report that was recently pull and none of my reports from the bureaus are reflecting. Please correct information. Once information is removed, you can not go back and put it on my report again which you did. I am being taken advantage of, many practices are been broke by your company. You have hurt my ability to obtain credit and I cant get a sba loan for my current business. Please XXXX XXXXELP ME IN THE TRYING TIME. I CURRENTLY HAVE XXXX AND HAVE BEEN IMPACTED BUT STILL I PAY MY BILLS ON TIME. I WANT ALL NEGITIVE ITEAMS REMOVED FROM MY CREDIT REPORT AFTER SEVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY UNDER THE 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 2019-07-18
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MIDLAND FUNDING Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$4300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$6300.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$4300.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount midland funding removed themselves from XXXX but NOT XXXX need explanation why they removed from one but not all others? the orginal credit was XXXX XXXX XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX, TX XXXX I just got my report and I think it is wrong! I was told I have the right to have an investigation done. The XXXX XXXX Account depicts an old account as a charge off. I paid the account opened in XXXX off completely. I opened a new account in XXXX and XXXX XXXX reported I opened it in XXXX and charged off the new account. The account on my credit report is false. The Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be reinvestigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Account XXXX XXXX XXXX Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. 
( A ) IN GENERAL.If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2017-10-15
Company: EQUIFAX, INC.
State: AL
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 have contacted XXXX about several accounts on my report via phone and mail and they continue to send a report that states the information is certified to be valid yet I have requested them to provide proof of the accounts that I am disputing several times ... 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also stated they will no longer investigate ; however, they are failing to provide how these debts are valid. I have stated to them that a letter stating that the debt is valid is not verifiable proof ; however, I was informed they can not make a creditor send any information and that as long as the accounts match my social then that is considered as valid debt. 

I have sent over 10 certified letters and made numerous calls and they have yet to provide me with an explanation or update my reports. They also stated they do not have to reply within 30 days in they choose not to investigate negative items on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 I was approved for an Amazon Store Card from Synchrony bank. I did not make any purchases using the card. The only balance on the card was from my XXXX XXXX subscription, which apparently moved automatically from my existing credit card over to the new Synchrony Card. 

I applied for the card expecting to be able to make payments online. However, every time I tried to use the Synchrony website 's " pay as a guest '' feature, I was met with a nondescript error message ( something along the lines of " unavailable. try later. " ). I never would have applied for the card had I known paying online was not an option for me. Synchrony 's customer service was not able to resolve this. 

Due to the a ) unforeseen balance on the card and b ) inability to pay online, I racked up delinquencies on the card. The resulting impact on my credit was way out of proportion considering the circumstances, and the fact that this all stemmed from the {$9.00} subscription charge with no other purchases. 

Upon explaining the situation to Synchrony Bank 's customer service, I was promptly shut down and to my knowledge no report was filed and no additional information was relayed to the credit reporting agencies. 

The net effect is that one {$9.00} charge and a faulty website have affected my ability to get approved for an apartment.

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 2018-03-27
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2017. Regarding a Medical Debt. I have no prior knowledge of the account in collection. I have no relation to this account. A medical bill in 2017 will need to be disputed. Please respond within the 14 days. thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I do not have any Real Estate. I never owned 5 cars. I never had 7 credit cards. I am a 100 % XXXX Veteran and was approved for department of education school loan forgiveness. I would like for all of these to be removed from my credit report. For my Hard Inquiries please provide original signatures that I ALLEGEDLY signed ... .I believe someone has used my name and identity. Thank you in advance for your help. 

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 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 2017-10-15
Company: Experian Information Solutions Inc.
State: NY
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 had just submitted a complaint about XXXX credit reporting agency I am uploading the documentation that proves they are reporting a chapter XXXX bankruptcy on my credit report for XXXX XXXX XXXX XXXX when I never ever filed for chapter XXXX I want this removed off my credit 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 non-monetary relief
Consumer complaint received 2022-01-11
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:
My property was stolen my cards were used fraudulently i reported it to the companies they refused to remove the fraudulent charges

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I attempted to obtain my free credit report on XX/XX/2022. I can not access my report because Transunion claims I have an open dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The balance that is shown from my charged off XXXX loan 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 explanation
Consumer complaint received 2017-10-15
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Statement date XX/XX/XXXX received notice from Ditech of escrow shortage in the mail.
Tried to call several times but could not get through due to heavy call volume due to the hurricanes.
Statement date XX/XX/XXXX received notice of service transfer from Ditech to XXXX XXXX XXXX XXXX. It clearly states Ditech will stop accepting payments received from you after XX/XX/XXXX. 
Called upon receipt of the service transfer notice and spoke to XXXX customer service rep # XXXX about the shortage and service transfer. 
XXXX told me I needed to make no payment until XX/XX/XXXX because of the service transfer and that she was applying undeclared extra funds paid to my account to the escrow shortage, a late fee, and principal. I would send extra money every month thinking it would be applied to any shortages and principal. I requested a statement describing what she had applied to our account. She said she could not provide one at that time.
I just received a debt collector notice from XXXX dated XX/XX/XXXX. We make our payments every month and pay a little extra. I pay bi-monthly due to our finances. We did not pay XX/XX/XXXX because XXXX, XXXX informed me NOT TO PAY. We have no idea what is going on. 
I have not received a bill from the above named new company as of XX/XX/XXXX. 
Thank you, XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a certified letter to Experian and XXXX to investigate the following inaccurate information on my credit report, which includes but is not limited to : Incorrect Names Incorrect Employment Incorrect Address Incorrect Credit Information In addition, I asked these XXXX companies to please send me all notices of corrections to anyone who received my credit report in the past XXXX months. 

These XXXX companies have failed to comply. My credit information on my report is very importand to me and I wish to get incorrect information off my report history as soon as possible. 

Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Medical Society Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with 2 accounts listed under XXXX XXXX XXXX XXXX. I requested a validation on XX/XX/XXXX as there were accounts listed that I did not recognize as I have always had insurance that fully covers my medical. On XX/XX/XXXX I reviewed my credit profile again as XXXX XXXX XXXX XXXX had not responded and 1 account was reflecting as disputed however I never received validation and the other account was still reflecting as not disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX. Credit report was reviewed again on XX/XX/XXXX and the accounts are still reflecting on my report and I do not believe the accounts belong to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on the accounts and these accounts continue to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and that all information is correct.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
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: Account status incorrect

Complaint:
OnXX/XX/XXXX, I petitioned the court to include my Student loan in my chapter XXXX bankruptcy. It was approved and my bankruptcy was discharged. This account should be closed and has been closed since XXXX

Company response to consumer: Closed with explanation