BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: TN
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:
Experian and XXXX  should not be reporting me as a authorized user on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
BofA frooze my XXXX prepaid account after i reported a XXXX dollar transaction that i did not make. I tried to call them several times to fix it. I still have not got any of the money back and theyve also kept the XXXX i still had remaining and the next deposit of XXXX that XXXX put on there.

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 2018-03-13
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:
Please be advised I have a tradeline from XXXX XXXXXXXX XXXX on my credit report! It is a self lender account as to where I paid a certain amount each month and it is deposited into a CD and at the end of the term ( which I have completed ) I get my money plus interest back! The tradeline is showing I was 30 days late in XX/XX/2017 which is not correct! I was never 30 days late!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was served with paperwork in XXXX for a lawsuit on an old credit card. I entered into a payment agreement with the debt collector to stop the lawsuit. Last week, I got paperwork in the mail that they were pursuing a default judgement. 

On XX/XX/18 at XXXX MST, I called the debt collector to see why I got this paperwork since we were in a payment agreement and they replied that the judgement had already been awarded and I should pay the full amount immediately to avoid wage garnishment. 

The next day I got a notice in the mail that the judgement hadnt been awarded, in fact, the motion was denied as the next step would be a pre-trial conference as I had answered the initial lawsuit with our payment agreement information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My credit score is in the XXXX XXXX. I charge something on my Capital One card every month, and pay it off every month, as I should. Over eight years my credit limit has increased up to {$12000.00} - wonderful, I worked hard to get that card from a {$300.00} limit up to {$12000.00}. Now, they lower my limit to just {$5000.00} because " I don't need that much. '' I have another Capital One card, with a better interest rate. I charge thousands and thousands on that card, and pay it off every single month. I have asked numerous times for a better interest rate on this card in question, they continue to deny it. That is why I do not use this card as much. 

Literally, decreased my credit score almost immediately with the loss of {$7700.00} available credit. I have never paid a single dime of interest on this card - because I pay it off every single month - and this is how I am treated? 

I called them and they said they have had lots of complaints but there is nothing they can do about it. I update my income with them every few months, voluntarily might I add. My income has not changed during COVID, if anything it increased now. There is no reason to punish me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Two charges were disputed 1. Was to XXXX on XX/XX/XXXX for XXXX XXXX. Was XXXX on XX/XX/XXXX for XXXX. I disputed both these transaction as fraud. Goldman Sachs did not file the dispute for either charge when I called. They issued me new card numbers when I called in XXXX and XXXX. I had to call back again on XX/XX/XXXX to find out no dispute had been submitted. On XX/XX/XXXX a representative told me they had not been submitted. I transferred to a supervisor who changed the story and told me they had, but couldnt explain why I hadnt received any information on the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
When I opened my Chase XXXX XXXX card, I chose paperless statements. There is a statement under the checkbox for this online : " We'll still send you email reminders 10 days before your payment 's due. '' ( See attachment. ) My due date is the XXXX of each month. 

1. They NEVER actually send a paperless statement by email. I have NEVER received an emailed statement for this account. 

2. The payment reminders NEVER arrive when they claim they will. My last reminder arrived on XX/XX/XXXX, so it either was sent by Chase five days AFTER the XX/XX/XXXX statement deadline, or 26 days BEFORE my XX/XX/XXXX statement deadline. They specify nothing in these vague reminders ; they don't say which month 's statement they refer to ; they don't even provide a link to the statement in question. ( see attached image of this email, including date it was received. ) As a result, I have racked up late fees and interest charges from this confusion and lack of timely reminders, not to mention the fact that they AREN'T EVEN SENDING ME PAPERLESS STATEMENTS. All of these things tell me that they are doing EVERYTHING they can ( barely legally? ) do to set people up to rack up late fees and interest charges. 

I called them today to cancel paperless billing and have statements sent by mailit 's the only way I can reliably get the information in need in the time frame I need it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-01
Company: EQUIFAX, 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:
on XXXX XXXX, 2017 I disputed two tax liens being reported by Equifax on my credit file, dispute # XXXX. The dispute information came back as verified according to Equifax according to the representative at their company. Something which they have also failed to inform me personally about. Equifax continues to report incorrect and non-validated tax lien information on my credit report. Equifax is reporting two tax liens on my credit report I have personally contacted both the IRS and the XXXX County recorders office and they have stated and assured me that Equifax has never requested nor received any tax lien information directly from these entities. Equifax continues to state that they have verified the information but they have not verified and even more so not validated any information with the source of the information. Allowing unvalidated information and/or using a third party to validate any information is not allowed under federal guidelines. Further under the new guidelines established by the CFPB itself, there is missing information and incorrect information that prevents them from continuing to have this tax lien information noted on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We moved out of our apartment on XX/XX/2018 and we were supposed to get a final all bill by email but never did receive it. After contacting the original company by email requesting the final bill as we never re eived it, they informed me that the bill was sent to an old address on file and that the person who was supposed to send us the final bill whose name was XXXX XXXX never emailed it and also she is no longer with the company. The property manager XXXX XXXX informed me of this XXXX email. She then emailed me a final bill with incorrect charges and overbilling. When I disputed the charges, she refused to help fix the situation and sent this account to collections damaging my perfect credit and any chances of me obtaining a house. They never emailed me the final all bill within 30 days and they purposely sent the bill to a wrong 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
Consumer complaint received 2018-10-08
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never done business with United Revenue Corporation. I do not have a signed contract with United Revenue Corporation. I am not liable for this debt from XXXX XXXX XXXX. This is my second attempt asking for proper debt validation that meets FRCA requirements. On XX/XX/2018 I contacted United Revenue Corporation asking for a proper debt validation. United Revenue Corporation failed to complete this request. An alleged e-bill does not meet FRCA requirements for validation. If United Revenue Corporation can not produce a signed contract from me acknowledging that I have in fact done business with them and am liable for this debt, which is proper validation, then they must remove their erroneous trade from my credit report at once. Inserting erroneous information onto a credit report is a FRCA violation that is liable for payouts starting at {$1000.00} if pursued. United Revenue Corporation does not have permission to contact me by e-mail, phone, nor US mail. All communication is to be kept within the cfpb portal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name XXXX XXXX {$2600.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX   XXXX {$2200.00} XXXX XXXX {$980.00} XXXX  XXXX {$6000.00} XXXX XXXX {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2018-08-01
Company: COOLEY ENTERPRISES INC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have requested no phones call from this company since the beginning of my loan. The refuse to remove my number and continue to call. If I am 1 day late I get threatening text email and calls that they are going to turn my car off. On XX/XX/2018 My account was 20 or 21 days past due and I spoke with XXXX and explained I was getting a loan through my credit union to make the payment because I missed 3 days of work for my grandmothers funeral. That she wasn't accepting my arrangement and was moving forward with my account and then she hung up on me. My account has never been more than 30 days past due and I get threatened with every call from them. I get calls, emails and text with them threatening to turn my car off. 2 weeks ago they shut my car off on a Saturday when I had arrangements set with them and wouldn't answer the phone. I was with out a car until that next Monday. They use the GPS shut off even on 1 day past due. Tells me that because this is tote the note loan I have no rights and they can do what they want because they took a chance on me. Their collection efforts are harsh and abusive. Just because my credit isn't perfect doesn't mean they can be ruthless.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-18
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  XXXX XXXX XXXX refuses to delete an account that is not mine, I have disputed the account on numerous occasions asking for a deletion. XXXX  XXXX sent me a letter showing a signature that is not mine. I also filed a compliant before and XXXX   XXXX advised me to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if XXXX XXXX fail to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. This is my 3rd complaint with this company and they say the same thing each time! I received the validation letter! Which wasnt my signature!!! That is not valid signature! This isnt my debt I already filed a fraud alert on my reports I have done everything I was suppose to do! At this point Im considering getting my lawyer involved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
American Express closed my card and began calling my company over and over again as a result of that closing with their internal debt collections. I asked numerous times for that to stop and finally lodged a complaint. I continued to pay the payment minimum balance but did not set it up on an auto draw so they would assume it would not be paid and start all over. I paid my XXXX payment online minimum balance as reflected in their website and now I am getting calls from an attorney representing them. I believe that this was retaliation for the complaints against them breaking rules and constantly calling my employer even after receiving written and verbal requests not to do so. I am not able to get online to make my payment today and have no intention of settling this debt at a lower amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment both on XXXX and XX/XX/2020 for 30 days and 60 days late. I am not sure how this happened as probably during the time I was going through the XXXX and some medical challenges during covid19, but I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
Company: LDF Holdings, LLC
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2018 I was contacted by XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, NY. She said I owed money to a company and when I asked her to send me a debt validation notice she said " I am sorry we are way past that and I am giving you a courtesy call before we file papers ''. I told her I am not paying anything until I can validate this alleged debt. She also contacted me at my work and called my girlfriend 's cell phone leaving messages on both. I very firmly told her to never contact my girlfriend again and to not contact me at work again. I said, you have my cell number so you know where to find me. She then threatened to contact my HR department to garnish wages. 
On XX/XX/2018 I was contacted my Ms XXXX from XXXX XXXX. She also called my girlfriend and called me at work again. I told her I have repeatedly told your company to never call me at work or contact any of my friends or family. Ms. XXXX also left a voice mail telling my girlfriend she had papers for her too! Once again, during our phone conversation she never stated she was a debt collector or read my mini miranda rights. 
On XX/XX/2018 I get another call from Ms XXXX from XXXX XXXX XXXX. She also called my girlfriends cell phone and called my work number again after numerous times telling to not call me there. I never have received a debt validation notice or have they ever stated my mini miranda rights. I am beyond upset and so mad. This company breaks several Federal laws under the FDCPA. This company believes they are above the law and operate so. They make false threats, intimidate, and lie to you. I have contacted a lawyer already to pursue legal action if they don't stop with their illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: TD BANK US HOLDING COMPANY
State: NY
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:
Hi, I opened an account in XX/XX/2017 with TD Bank. After opening it, I went back to my home country and realized the card and the bank account have my last name misspelled. 

For that reason, I couldn't set up home banking for a while, and because of the $ XXXX monthly fee for printed statements ( that nobody told me about ), my balance went below {$100.00} and I started getting charged for monthly maintenance. 

I've been able to create an online banking account now but I need help with getting credited back the maintenance amounts that you deducted, also because I can't use my money or my card at all. 

After this, they credited my account, the system still sees that my balance was low at some point ( which happened thanks to their actions ) and it now the deductions don't stop happening even though my balance is {$100.00}. They keep deducting a unjust maintenance fee, and I can't fix it since I'm not in the US to go to a branch and they refuse to fix it over email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I own a XXXX XXXX which was completely shut down due to the Covid pandemic. When the situation began I immediately contacted my mortgage company in XXXX. I did not hear back for weeks - ONLY AFTER I filed a complaint with your office and the company was forced to respond. A 3 week forbearance was granted to me in late XXXX as a result. Today I received a new letter from the company threatening me once again with credit report damage and foreclosure if I do not pay. They are telling me I am over 45 days late when I have a forbearance agreement. This is not fair and not legal. I've contacted them to tell them so and am filing this complaint with you because I do not trust them after their prior attempt to harm us. 

I must also mention that the company has in the past few months raised my monthly payment from {$2800.00} per month to {$3200.00} per month. The rate is not adjustable during this period and I am worried they are unlawfully taking advantage of us by adding in fees and costs that are not part of our signed agreement for the mortgage. 

PS : I have attached copies of the forbearance granted in response to your ( CFPB ) action, and the current notice of default to this complaint below. 

The mortgage info and company is : Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, MI XXXX ph : XXXX email : XXXX Mortgage Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation