BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: FIRST HERITAGE CREDIT LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
At approximately XXXX XXXX on Thursday, XX/XX/XXXX I was at my place of busines which was not open for business and the manager at 1st heritage Credit ( XXXX ) he knocked on the door and my manager let him in he introduced himself to her as a welcome to the neighborhood and then walked past her to me and began to collect on my account. I informed him that I did not think this was legal coming into my place of business and he said it was and that he wanted to make payment arrangements or he would take me to court I advised him that I am filing bankruptcy and my attorney would contact him and he continued to collect and urged me to continue to pay outside of my bankruptcy. He did not ask me to verify who I was all he did was call me by my first name and I responded. He continued to collect in front of my peers as well as a passer by who stopped in the office. After multiple attempts of me telling him to please go though my lawyer he finally left. My business was discussed in front of many people. It was both unprofessional and embarrassing. I also believe this is close to harassment. I specifically asked if this was legal, as I know it is not, and he continued to berade me in front of my peers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I have contacted Capital one several times in the past few months on my credit interest rates and asking if they could help by lowering my credit interest. Every time I complain to Capital one, it seems that they increase my interest rate another .25 %. In the past 6 months my interest rate has been raised 4 times, even though I have tried to make additional amounts above the minimum. Each time I have contacted Capital one they have told me that they can not help me and after each contact another .25 % increase was put onto my cards.is there anyway that the FTC can investigate on my behalf on why this is happening. If my interest rates continue to increase I will be forced into bankruptcy. 

I have paid my bills in good faith but they do not seem to care about my on time payments rather just on ways they can increase my interest so that the monthly charges are well above a reasonable rate. 

this pertains to several of my credit cards : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX I am on XXXX and can not afford for every company to jack up their rates well over what I receive in my XXXX  increases. It seems that every time we turn around they are increasing my costs and not increasing my income. The credit card companies seem to be the worst of most of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My XXXX credit card was closed on early this year because I was not making my payments. I contacted XXXX through letters stating that I was going through a financial hardship and they still closed my account as well as keeping 4 late payments on my account. For the months of XXXX to XXXX of XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with XXXX since XXXX. For them to close my account and not waive my 4 late payments knowing that I was going through a financial hardship is not great customer service but terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
On XX/XX/20, I requested that Barclays close my Uber credit card due to the fact my credit limit was decreased. After further thought on XX/XX/20 I decided to inquire about my account being re-opened, as I feared it would impact my credit score by closing my account. I spoke to a friendly lady on the phone and she stated my account was never fully closed and it can easily 'reactivated ' as it was within 30 days of my closure request. She assured me this would have no impact to my credit score as it would be using my same credit account and it would be reported the same exact way since it hasn't actually been closed yet. Now, fast forward a few weeks my credit score has dropped a whopping 55 points despite stellar credit history on all my other accounts. Upon investigating, and speaking to the credit bureaus, the only change that occurred were " remarks added '' on my Barclays Uber Card and my old account was closed, with a new one being opened. This caused a huge impact to my credit report and Barclays flat out lied about how this would be handled. They ASSURED me that a new account would not be opened and reported.

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 2023-01-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There is incorrect information 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 2023-07-29
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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow  reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

I have attached a police report, FTC Identity theft, and Affidavit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: WLCC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a {$500.00} loan from a lender online. To date, I have made payments of {$150.00} every two weeks. I have paid approximately {$750.00}, and the company says that all of my payments have gone to interest alone and that I still owe {$580.00} on a {$500.00} loan. They also have annotated in my account that my loan has been paid off every two weeks and that I have renewed my application for a new loan every two weeks as well. Each time, they charge me between $ 130- {$150.00} as a finance charge and says that I have a new loan in which the principal is {$10.00} less than the previous loan. My account actually has several loan numbers assigned ( XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ), but I only applied for one loan. It says my annual interest rate is 764.328 % and that I will pay finance charges upward of {$3700.00}. I called the company and told them that I believed they were breaking the law with the level of interest being charged, the restructuring of my loans as new applications, and in regard to the finance charges. I believe my payments have been incorrectly applied to the principal as well. The only information I was given was to check the website for the legal terms. I verbally withdrew my previous consent for automatic withdrawals from my checking account, which they said they would honor, but I have doubts. Right after I called and withdrew consent for withdrawals, my account status switched from " Active '' to " Collections '' but under the terms, my payment is not due untilXX/XX/2019, so that information is inaccurate. I can not be in collections without even missing a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: TD BANK US HOLDING COMPANY
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 bought a gift card for {$50.00} dollars at XXXX on my XXXX XXXX, my mom attempted to use the gift card and was unsuccessful. I contacted XXXX over the phone and they were unwilling to open a dispute and stated I would need to write them and that the disputes process would turn up a decline since the gift card showed activated. They were informed several times that they can see it still has the money on it and it 's not my fault it did n't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: CA
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:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
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:
I disputed a collection listed on my credit report to the original creditor, and received a letter from the original creditor which stated, my balance to be XXXX, since the hospital had failed to bill the insurance company in a timely manner. I was never responsible for this bill. I am attaching the letter sent to me from the original creditor. I also contacted the collection company XXXX, via email as well as by phone, nevertheless, this bogus collection has not been removed from my credit, but instead has been updated to be valid. 
I disputed this collection with XXXX, XXXX  within the last 30 days. I received an update from XXXX on XX/XX/2019. The dispute resultwasthis collection is valid per XXXX and is still on my credit report, and is delaying the process for my home mtg.loan to be approved. In fact the house I wanted to purchase has just now been sold to another person. 
XXXX  XXXX XXXX  ( XXXX  ) has not been removed this from my credit report. I am attaching the letter from the original creditor.

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 2017-09-22
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It was n't timely, but I did 100 % pay off my student loan debt. However, after checking my credit report it shows that I have a balance of {$0.00} but does not show that I am paid in full. I 've contact Navient via email, phone and fax and this issue is still not resolved. Even when I spoke with their customer service they stated that I do n't owe any money but I 'd have to contact another department that took care of that issue ... but they only accept faxes! I sent a fax with my the copy of the credit report and a letter months ago and have not received a response. If I 'm wrong and owe them, fine, but contact me so I may know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Social security had showed me as deceased in XX/XX/2018, after the death of my father. They gave me a letter to give to creditors and credit bureaus showing they made a mistake and that I was very much alive. One creditor ( XXXX XXXX ) had charged off my acct and closed it in XX/XX/2018. After they received my letter from social security, they reopened and sent Equifax stating my acct was open and that I was not deceased. I've called Equifax and disputed this on several occasion and so far nothing has changed. I really hope you can help me, I'm just so frustrated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had a background check by XXXX for a job application. The background check has me listed as living in Oregon two times. I have never lived in Oregon, so someone has used my identity. Their information on where I have lived is all wrong. I have had two addresses in ten years, it has me down for 5-6.

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 2020-07-13
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan Servicing Company : NationStar Mortgage-Mr. Cooper are withholding Property Damage Insurance Proceed checks for needed repairs on home. 

Property Damage Insurance Proceed checks that NationStar Mortgage-Mr. Cooper are refusing to endorse over, NEVER made a single insurance premium. 

As a matter of fact our mortgage company is XXXX XXXX   XXXX, where in we did a refinance $ XXXX back in XXXX. 

NationStar Mortgage recorded as Assignee ( Loan Servicing Company ) against our property in the form of a Lien on XX/XX/XXXX, which put NationStar Mortgage in 4th position. 

According to the Secretary of State of California, in year XXXX NationStar Mortgage LLC, was not authorized to conduct business as a Foreign company in California, until XX/XX/XXXX. 

With NationStar Mortgage LLC recording in 4th position as Assignee and unsecured Lien-holder, effective on XX/XX/XXXX and not authorized to conduct Foreign business in California, until XX/XX/XXXX, NationStar Mortgage LLC, is in an unsecured position and has no rights to withhold our Property Damage Insurance Proceed Checks, that need Endorsement by NationStar ... so that we can proceed with property damage needed repairs. 

Honorable CFPB much help on the above issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
HSBC. 

I, XXXX XXXX, had lost my job in XXXX. Notified the mortgage lender, HSBC, of the matter. I didn't land a job until approximately 3 months later, informed HSBC that I will began making payments in doubles until I was caught up, however, they had told me that there was a new policy stating that the whole past due amount ( totaling appx. 5000.00 dollars ) would need to be paid. Furthermore, no payment smaller than the past due amount would be accepted. 

At that time, it was winter going into spring, in XXXX New York. Therefore, I was behind in the heat and electricity, the car loan, and owed back payments in child support. There was no way for me to be able to pay the amount that was requested by HSBC. Hence, the house ended up in foreclosure. I could not afford a lawyer, at that time and still can not. 

After many phone calls, and time passing, the loan that had plagued my life, had been closed. The house was sold in an auction in XX/XX/XXXX of XXXX, according to XXXX XXXX XXXX XXXX ( contact info : XXXX ). Although, on my credit report it shows that the account had been closed on XX/XX/XXXX. I do not understand how they had closed the account on this date when I was still making payments until I was unemployed. To make matters more confusing, this Monday, XX/XX/XXXX, I received a notice via XXXX XXXX stating that I owe HSBC a past balance of {$120000.00} dollars, yet the loan was for {$55000.00}. Even more confusing is that it states that I made a payment on XX/XX/XXXX. I WAS LIVING IN XXXX!!!!!!!! THE HOUSE WAS SOLD ALMOST A YEAR BEFORE THEN!!! WHICH, I HAD NO PRIOR INFORMATION ABOUT!!!!! 

I called HSBC ( contact info : HSBC BANK USA NA CREDIT INFORMATION DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ) looking for more info on the matter and they had directed me to XXXX XXXX XXXX XXXX. No one had given me any information proving to me that I owe the amount, yet there is still another account on my credit report showing that I do not owe HSBC anything. I will print a copy of the report and send it to your mailing address along with a copy of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX {$500.00} through Paypal Credit to 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 monetary relief
Consumer complaint received 2019-03-13
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
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 responded to a telephone call message left by Ford Credit. Instantly, I realized that I had not been paying my monthly auto loan. I responded immediately by calling the number left by the message. I then explained to the representative that I had not been receiving the monthly billing statement, which I rely upon as a reminder to pay my bill. This was due to a XXXX   mailperson, who frequently puts my mail into other boxes in my neighborhood kiosk mailbox. She also frequently puts neighbor 's mail in my box. Complicating matters was the fact that I had been away on vacation for most of XXXX, my last payment being in XXXX. When I returned from vacation, I paid all bills in my held mail, but the Ford Credit statement wasn't in the stack of mail waiting for me. It was also not delivered in XXXX or XXXX. I received the call from Ford Credit on XX/XX/XXXX. The credit representative, upon explanation, waived the accumulated late fees and I immediately sent in a payment covering three months, with my next payment scheduled for XXXX, which I then begin paying regularly as before. I also went to the Post Office and spoke directly with the Post Master, to ensure that misdelivery would not happen again. I then was notified of activity on my credit score by XXXX and others, so upon looking, I found that my credit score had dropped from XXXX to as low as XXXX ( XXXX  ). I wrote an appeal to Ford Credit to amend their report, or file another to help address my falling FICO score, but their response was basically that they would not assist in my request. I have made regular ( never late ) payments to Ford Credit on new trucks since XXXX and never before or since missed a payment. I am merely asking for credit reporting assistance from the CFPB to bring back my credit score to something over 800, as I immediately remedied the problem and have not been remiss since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07
Company: EQUIFAX, INC.
State: IL
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:
I am a XXXX XXXX that is currently being suppressed from achieving the American dream by Equifax. 

Recently, all my rental history was added to give a complete accurate account of my credit assessment abilities. Equifax failed to re-score or do a comprehensive risk assessment of my credit history and now their action is obstructing my application for a home to gain the best rates.

Company response to consumer: Closed with explanation