BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 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 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 2017-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
The first week of XXXX XXXX, Capital One was advertising ( 1 year 0 % interest rate promotion ) online. I applied online and the second day a representative from Capital One called me on a recorded line to notify me that I was approved for a 1 year 0 % capital one credit card. After XXXX XXXX if I do not pay my balance I will be charge an interest rate of 25.4 %. However, my first statement dated XXXX had 0 % interest rate which was good as agreed. The next statement dated XXXX I saw a interest charge of {$48.00}. I called Capital one and representative said to me that they apologize for the mistake that my account was indeed 0 % interest for 1 year and that they will waive the charges. 2 months later I see my statements and I noticed Capital One continue charging me interest rates and my credits were never given back to my account as I was told previously that I will get credited for the inconvinience. I called Capital one and requested to speak to Supervisor and she told me that my account in a program for 6 months 0 % rate only and then she changed her story and told me I was in a 9 month 0 % interest and I will begin getting 25.4 % interest charges effective XXXX XXXX. But I told Supervisor that I 've been charged interest since XXXX XXXX so it does n't make sense to me. I called again Capital One and I requested to know what program am I enrolled and representative responded " your enrolled 25.4 % program from day one ''. I asked representative what happened to my credits capital one was supposed to remove last month I called and another representative said that I was charge interest in an error and that they had apologized and were going to remove those fees but I never saw any credits on my account. This representative responded that they were no credits on my account b/c I was never enrolled into a 0 % interest rate program. So far I 've been charged over {$480.00} in interest. Every time I call I get different responses and there always apparently investigating my account. I do n't understand.!! ... All calls are monitored and recorded so I know if they are heard they will find discrepancies from CapitalOne representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Paramount GR Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a loan through LoanPal for solar panels. The original loan was for {$36000.00}. The first statement was XX/XX/XXXX. The interest rate is a fixed rate of 3.99 %. I have noticed a wide variability with the monthly interest charged to me while I pay the loan down. Some months the amount of interest increases while I make significant payments to the principal. For instance, my XX/XX/XXXX statement showed and outstanding principal balance of {$27000.00}. The interest charged on that statement was {$88.00}. For XX/XX/XXXX, my principal loan balance was {$27000.00}. The interest charged was {$86.00}. In XX/XX/XXXX, my outstanding principal balance was {$26000.00}. The amount of interest I was charged was {$110.00}. The slight decrease from XX/XX/XXXX to XX/XX/XXXX would make sense with a fixed rate loan. The jump of over {$30.00} in interest from XX/XX/XXXX to XX/XX/XXXX despite paying over {$1800.00} towards the principal the previous two months does not. I will attach all statements that I have available to me along with my complaint. I tried emailing the companys customer service department on Monday XX/XX/XXXX, and I didnt receive a reply. Today ( XX/XX/XXXX ) I spent nearly 20 minutes on the phone this morning with the LoanPal customer service department. They assured me my loan is a fixed rate, and the amount of interest I pay should decrease as I pay more down on the principal. They were unable to answer me why the interest charged increases some months despite me paying down the principal. Their customer service representative encouraged me to get in contact with an accountant. I am filing this complaint after speaking with someone over the phone at your agency. I am concerned that LoanPal is utilizing shady lending practices, and would like some follow-up 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 2019-09-30
Company: VW Credit
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a letter dated XX/XX/XXXX on XX/XX/XXXX from XXXX XXXX XXXX , XXXX that stated " On XX/XX/XXXX, your XXXX XXXX XXXX XXXX account was sold to XXXX XXXX XXXX, which is now the sole owner of this debt. XXXX XXXX XXXX , XXXX ( " MCM '' ), a debt collection company, will be collecting on and servicing your account on behalf of XXXX XXXX XXXX. Your current balance is {$1900.00}. '' I received a phone call from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received 5 phone calls from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received 14 phone calls from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received 15 phone calls from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received numerous phone calls from XXXX XXXX XXXX , XXXX between XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX I was told that I now owed {$3000.00} and I if did n't pay it they would send the cops to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions 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 have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX due to a low credit score. I have pulled my credt and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCY DISMISSED 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 2019-09-30
Company: LoanCare, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was taken over by Loan Care ( XXXX XXXX ) around XX/XX/2019. They have failed to provide me proper accounting upon take over. They have required an additional escrow repayment even though XXXX had just required that before take over. I have paid both additional escrow reserve requirements to ensure no hiccups. On XX/XX/XXXX, I called Loan Care because they had not posted any of my payments and showed I was 3 months behind. I had to provide proof of payment. This took hours! Mid XXXX, I paid the escrow reserve payment of {$110.00} again. On XX/XX/XXXX it came out of my account. As of XX/XX/XXXX they still have not posted it. I have called 3 times and sent 2 emails and they refuse to take any proof that my bank has provided. Now they are saying my XXXX payment is late even though I have provided both a transmittal form from ( XX/XX/XXXX ) the bank and a copy of my bank statement showing they took funds XXXX. They refuse to take that proof either. They have posted a late payment and are now reporting me 30 days late. On XX/XX/XXXX I have spoken to them again and they still refuse to take any proof of funds received. I can not keep calling them monthly when I pay on time. I have always paid on time. I have several mortgages and a 750+ credit score. I can not get through to any real person at Loan Care that can actually correct the issue. A consumer should not have to continually call and proof that a huge mortgage company has their money. This is a waste of time and I can assume I am not the only person having issues. I may be the only person taking the time to make a formal complaint.

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 2019-11-07
Company: REGIONS FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I received two emails from Regions Bank stating that if I opened an online checking and savings accounts ( and some other criteria stated in the main body of the email and in the fine print ) that I would be eligible for a {$400.00} bonus. When I called Regions Bank, they told me that I was ineligible for this, since I do not reside in a state where Regions Bank has a physical office. 

This additional requirement is nowhere in the above-mentioned emails. It is also not on their website ( to the best of my knowledge. )

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 2019-11-07
Company: OLD NATIONAL BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I visited Old National Bank branch ( address : XXXX XXXX XXXX XXXX, XXXX, WI XXXX ) on XX/XX/2019, and Ms. XXXX XXXX helped me open the checking account with {$200.00} promotion. I clearly told her that the promotion was seen on Old National Bank web page when I showed her the web page printout before my account was opened. As I checked the fine prints on the page that there was no specific statement for eligibility, so I mentioned this to Ms. XXXX, and she confirmed that I should be eligible for this promotion. 
My account was opened successfully in the branch ; before I left, I asked Ms. XXXX if the code for the {$200.00} had been applied to the system during my account was opened, and she said she remembered no code was needed during the promotion period, but she would double check with her colleagues the next day, and would follow up with me later. However, I never heard from her saying anything in XX/XX/XXXX. and XX/XX/XXXX., so I followed the instructions to fulfill the requirements towards the bonus, including electronic statement enrollment, direct deposit set-up, and debit card transactions. 
After all the requirements were met, I sent Ms. XXXX an email on XX/XX/2019 to confirm whether all requirements were met ; however, in her reply email, she asked me to remind her if I received the flyer in the mail, and claimed only those who received physical flyers were eligible. This is obviously inconsistent with what she told me when I opened the account regarding the promotion eligibility, so I helped her to recall what actually happened when she opened my account ; because it was not my fault, but Old National Banks error for misleading customers in the situation, so I should not be responsible for losing the bonus. Therefore, the bank should honor the bonus as promised during my account opening. Also, since her email said differently with what she told me when I opened the account, I suggested her check surveillance camera in the branch to confirm what I was informed ; but she insisted that she personally could help nothing on the bonus, and she would escalate the issue. On XX/XX/2019 ( over two weeks from my first correspondence ), I emailed her that if I did not receive any progress from the bank on this issue in one more week, I had to file a complaint against the bank to get my bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several disputes on multiple things on my credit report, by multiple agencies, and on each occasion they are finding out that the reports under dispute are accurate when they most certainly are not.

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 2019-09-30
Company: Experian Information Solutions Inc.
State: MI
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 and associated lenders on this disputed student loan balance, continue to list this account as delinquent on my credit reports. This, in light of the fact that these lenders are taking more than $ 700 monthly in payments from my social security benefits and the co signer on these disputed accounts. While they have finally made good on delivery of the back paperwork needed to try to rectify this loan, I'm not sure how they can take monthly payments and still list my account as delinquent? This is very hurtful to say the least. 
How can I get them to stop?

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 2022-01-06
Company: INDIANAPOLIS NEIGHBORHOOD HOUSING PARTNERSHIP
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To who it may concerned, I was affected by XXXX XXXX and was struggling to pay my mortgage so I contacted the loss mitigation department. I was put in forbearance for three months with the option of loan modification or payment deferral. Based on my situation and uncertainty of things with the pandemic I choose payment deferral, which was approved. Its been approved for 1/2 a year now but no action has been filed on my loan. Its been over six months and Ive called the loss mitigation department numerous amount of times with hopes that this situation has been resolved. No one has returned my calls and Ive been giving different answers from each individual Ive spoke with. My case has also been escalated numerous amount of times and there has still been no progress on my loan as well as no communication from them besides me calling and checking on the status. During this waiting period I was affected by XXXX again, in which I called and asked to defer the entire balance in which I was told that was not possible and only the three months I was in Forbearance would be pushed back. As individuals we have no control over this pandemic that is still affect many people and families today. I would like for this to be took care of so I can continue paying my mortgage which Im no longer able to do because I have a balance and my online access to pay my mortgage is suspended. If someone could get back with me on the next steps to follow that would be great. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-09-21
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 XX/XX/2020 I notified Equifax that my account balance was incorrectly being reported on my credit report. It had apparently not updated. 

On XX/XX/2020 I was notified by email that the investigation was concluded and Equifax deleted the entire account and corresponding trade line. 

I never disputed the account as not mine or requested that it be deleted ; rather the balance updated as appropriate. 

Now correct and factual information has been deleted from my credit history with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2017, someone open a checking account without my authorization. The account was an abuse account and which end up owing XXXX XXXX XXXX XXXX {$2900.00}. I have filed a complaint to Chex System, but they have not responded to my complaint so i wanted to file a complaint with the Consumer Finance Protection. The Chex System reference ID : XXXX. Please check the IP address of the online application, phone number, or me personally coming to a bank branch, you will clearly see that it did not come from me or I have called them ; regarding opening this account. Now, because of this fraudulent activity is making it impossible for me open any type of bank accounts. I want this to be removed from Chex System immediately on false allegation.

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 2023-02-19
Company: Experian Information Solutions Inc.
State: TX
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:
Last month XX/XX/2023, I sent you another dispute letter containing the list of accounts and items that don't belong to me but I still haven't gotten any update about the status as yet. Its been over 30 days. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if do not I receive the correct 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 explanation