BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-27
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: Their investigation did not fix an error on your report

Complaint:
This issue has been going on for how many months now. I require that you please step up and assist me in fixing the accounts that I have with XXXX XXXX XXXX, XXXX XXXX. The accounts were not paid late on the month it shows on my credit report.. Therefore this is either an error on their part or someone used my information without my authorization. Either way I would like it fixed from my credit files right away and notify me when its 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 2021-09-10
Company: General Motors Financial Company, 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: Information belongs to someone else

Complaint:
These accounts that appear on my credit report do not belong to me, they are hurting me, please check them XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 
. Identity Theft GM FINANCIAL Account Number : XXXX This is not mine. 

XXXX XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The credit card issued by Capital Bank has installment monthly payments that have been made on this account and setup by me, but have not been satisfied as yet. I am requesting once payments have been satisfied. That this account listed with all 3 credit bureaus, be undated to a Paid in full status/ account closed, also any damaging derogatory remarks listed on my credit file are removed, including this account being listed in charge off status and all prior and current monthly late payment reporting as late or missed. If you are unable to do so, A PAY FOR DELETION of this account would be fine. Please note that this account is severely damaging my credit report and hurting my chances in the future with creditors. Just as negative or missed payment information is reported monthly. The bureaus have stated that a creditor can also update an account status by reporting it and any other revised information to a positive status as they do when reporting negative information. Please acknowledge my request as I am approaching the end of my installment payment agreement. Next payment in the amount of {$100.00} is due on XX/XX/21, next payment {$100.00} due on XX/XX/21, next payment {$100.00} due on XX/XX/21 and Final payment is due on XX/XX/21 in the amount of {$79.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
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: Their investigation did not fix an error on your report

Complaint:
I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. Remove this error, it was never paid late on XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
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: Information belongs to someone else

Complaint:
My Equifax credit report have an account listed that are not mine. I disputed the accounts as " not mine '' but it recently came back as verified.. I have never had an account with these companies..Please delete immediately before further harm is done.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I entered into a contract with Capital One for a credit card on XX/XX/21 and was informed to put a down payment of {$200.00} for a credit line, which is a violation of 15 usc 1605 finance charge. I informed him that I am not obligated to pay pursuant to 18 usc 8. Also I sent an assignment of transfer my rights to delegate the account.

More is alluded in the documents I attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute with Transunion through a Direct Dispute On XX/XX/XXXX. It was indicated to me that the Investigation would be completed by XX/XX/XXXX. It is Now XX/XX/XXXX and they have not communicated with me at all other to continue to say that it is still Under Investigation. It has been 47 days since I initiated the dispute. I have medical coverage and had coverage since XX/XX/XXXX and advised them that if needed I would furnish proof that the debit is not valid. Transunion needs to remove this derogatory remark as it has no validity and it is going on two months since the dispute was submitted to Transunion in the first place.

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 2021-09-10
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: Information belongs to someone else

Complaint:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 

Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!

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 2018-01-11
Company: CITIBANK, N.A.
State: DC
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:
There was a charge on my account for a purchase that I never physically received. This charged was on XXXX XXXX, 2017. I then went on vacation and came back injured. I XXXX XXXX XXXX in my XXXX and XXXX my XXXX. During this time I was not aware or focused on the dispute due to the fact that I thought I could get in touch with the store to get a refund or at least a credit. 

Come to find out, the online store was a scam. I never received my product and now Best Buy told me that they ca n't do anything about it because I did not dispute it in a timely manner. I was injured and again, did not know the online store was fraud and I would not be able to dispute it with them. 

Best Buy then told me to fax over a written note to the investigators to further look into the matter and they would reach back out to me. This never happened. I faxed them what they requested in XXXX, and I still have yet to hear from someone.

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 2018-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
My name is XXXX XXXX last 4 of my SSN are XXXX date of birth XX/XX/XXXX. I  have no idea what these judgments are and have requested verification and validation of debt, but still have not got a response nor have been provided proof of this. Please consider this a direct dispute and the information being reported is wholly inaccurate. XXXX needs to get proof this is my judgment or remove from my credit

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 2021-04-14
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 have called trans union SEVERAL times trying to get these derogatory marks off of my credit. ALL 15 of these derogatory are NOT mine, this is incorrect information on my credit report. i need these marks removed IMMEDIATLEY

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 2019-07-27
Company: CREDIT ACCEPTANCE CORPORATION
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: Investigation took more than 30 days

Complaint:
I submitted a dispute with XXXX  through a Direct Dispute On XX/XX/XXXX. It was indicated to me that the Investigation would be completed by XX/XX/XXXX. It is Now XX/XX/XXXX and they have not communicated with me at all other to continue to say that it is still Under Investigation. It has been 47 days since I initiated the dispute. I have medical coverage and had coverage since XX/XX/XXXX and advised them that if needed I would furnish proof that the debit is not valid. XXXX  needs to remove this derogatory remark as it has no validity and it is going on two months since the dispute was submitted to XXXX in the first place.

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 2021-02-14
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
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:
RewRez loan the balance on my loan is {$150000.00} but in my credit report it has been reported that the balance is {$150000.00} i have been writing to the this mortgage companying to correct, so that my credit will come up but they have refused. just to keep my credit low. 
And they have also reported that i am on forbearance which i am not and for about 8 months i have been writing them to correct that. more than 5 mortgage company have refused my refinance process because of this. 
my credit has gone down because of this. 
This is not a mistake it is a deliberate act to make it impossible to get a loan approval for refinancing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: AZ
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 glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few accounts on my report. Any accounts reported on an identity theft report must be blocked by the credit bureau in accordance with FCRA section 605b. 
XXXX XXXX Balance Owed : {$11000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: SYNCHRONY FINANCIAL
State: CO
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:
While at the XXXX I was presented with a program called, " care credit, '' the process was done while under duress of tooth pain. 
the representative did not clarify how the account was managed, nor did they disclose the rate amount. They did disclose if the amount was not fully paid by a certain date, rate would increase, though ; the rate amount of the increase was not disclosed. 

Covid impacted my income shortly after the account was opened and I was not able to pay off the total amount by the date of increased rate and due to the incredible rate increase ( which was not disclosed ) I find myself paying an extreme amount of interest. 

The customer service rep that I recently spoke with did not take time to verify my identity prior to disclosing information and spoke to me as though I was in collections. 

This company is a predictor lender and I need assistance.

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 2022-01-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive monthly texts from Wakefield and Associates. Each time I call and give them my name and they say its not for me and they will remove my name and they continue to Harass me. Each time I have to worry if my identity has been stolen. I can pull cell phone information to offer as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/XXXX, I requested an interest rate reduction from the credit card company for the 2 credit cards I have from Capital One.They put me on hold said no and I asked for a supervisor. I then was told no again and I had to do a few things in order to request an interest rate reduction successfully. 1. Continue to pay on time, 2. pay more than the minimum amount due, 3. Reduce my overall debt with both cards and 4. Increase my credit score ( XXXX XXXX XXXX ). The supervisor apologized because she saw my loyalty, on time payments and offered me a {$50.00} credit on one of my cards. This can been seen on my statement. 

I then did as was recommended, called back Monday, XX/XX/XXXX and told the cust service rep the situation she transferred me to a supervisor, she said they do n't do that and we got " disconnected ' or what seemed a hang up to me. I called again did the same procedure this sime spoke to another supervisor she also said no and they would not have told me to do the above instructions of give a credit. I told her to check the statement and she said " it does n't matter whether it 's true, we do n't do that ''. And they only offer interest reduction occasionally as offers and I have to keep checking. So basically, never. I checked online and saw many others had the same issue. I feel lied to and mistreated by them. I want the interest rate reduced and of course an apology for misinformation and being hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In the early days of the COVID Pandemic I like millions of Americans filed for a mortgage forbearance. After 4 months of this I begin paying again. Since my loan is an FHA Loan I agreed to a partial claim to pay the missing payments at the end of the current mortgage. We reached that agreement 6 months ago. 

Long story short I cant refinance to get better loan terms until US Bank processes the paperwork for my claim. They know this. They know that Mortgage rates are at historic lows. They are systematically and intentionally dragging their feet about processing the paperwork to keep their customers trapped in loan terms that are advantageous for them but bad for their customers. 

I have given them every piece of paperwork they have asked for immediately. There is no excuse for it to take 6 months to process the claim. They haven't even sent me the papers to sign. I have spoken to them dozens of times and they wont even give me an estimate on how long it will take. 

This is simple financial greed at work. I have no doubt US Bank is doing this intentionally.

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 2019-04-16
Company: Westwood Legal
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving phone call from a company that is called TE & A also know as Trinity Everest and associates. They have been calling from XXXX. The phone calls started in XX/XX/XXXX of XX/XX/XXXX. they threatened me with further legal action .On their voice mails that were left on XX/XX/XXXX, XXXX, and XXXX they stated there is a motion being filed to suspend all bank accounts and tax returns bearing my social security number. if i did not participate they will go forward with due process with out my participation. 
On XX/XX/XXXX.i spoke with them because the phone call had been increasing they stated their name was Trinity Everest and associates. They were trying to reach me regarding a judgment they would be placing against me. resulting in the freezeing of my accounts and collect moneys owed by garnishing my wedges or tax return if the debt i owe is not paid. They claim that an outstanding dept of {$150.00} is owed to XXXX XXXX for an outstanding overdraft fee from XX/XX/XXXX. They claim the debt went into default in XX/XX/XXXX and was up to {$570.00} and now because of their collection services it is up to {$1500.00}. They claimed that if i did not settle this debt a judgment will be placed against me and i will owe {$3900.00} because of the additional collection fees and court costs. 
When i spoke with the company on XX/XX/XXXX I asked to speak to a supervisor he said his name was XXXX XXXX an attorney handling my case. The phone number i could reach him on was XXXX. I asked for them to send me the debt i owed or any information regarding the debt to me in writing but he refused to do so, saying that they had in the past tried, and started giving me a lot of legal jumble in order for me to give him a payment right away, He said if i payed most of the debt by credit card to him it would settle the debt. I offered to pay if he sent me a letter head of the company and proof of the debt. He told me he could not but once i gave him a credit card number in good faith that i would pay he would settle the outstanding debt and cease further legal action, and send me a letter stating that the debt was settled. 
Today XX/XX/XXXX they company continues to call me. I blocked the old number ( XXXX ) XXXX-XXXX so they have called from a different number XXXX threatening me again to make a payment or they will continue with the judgment.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-18
Company: JPMORGAN CHASE & CO.
State: IL
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:
I have 3 credit cards with Chase as the credit cards holding bank. I am slo now applying to refinance my home with Chase. As I am sure you are aware when you apply for credit cards, it is unknown the holding bank. I found this out naturally after the fact. So with the 3 credit cards & now applying for a refinance, I am paying of course interest on ( 4 ) of Chase 's products. I have called in the past to assess if my interest rates can be lowered, to no avail. I have a very good credit rating, yet I feel & think this practice is unfair to collect interest now on ( 4 ) products! Chase should work with me to help lower my interest rates on all products/ services! They have not regardless of my inquiries. 
Being a senior on a fixed income, the lowering of my interest rates would be benefical for me financially. Chase is " ripping me off '' with such high interest rates on each card & now additional interest rate for my refinance. It is not very consumer friendly to take advantage of people. IF you can assist with this issue, thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been receiving unsolicited phone calls from a company called Diversified Consultants that does not identify itself. They contact me using different incoming phone numbers and never leave a message. After doing reverse phone look-ups, they appear to be some kind of " Commercial Recovery, Self-Service Technology and Pro-Active Outbound '' agency. I have not received written notification via the US Postal Service or email as far as why they keep calling me. I do not owe money to anyone personally or commercially and I am not interested in self-service technology or pro-active outbound activities. One website states this company focuses on telecommunication debt. Huh? I have cell phone, landline phone, internet and TV service that has never been cut off due to unpaid bills. 

I want this company to STOP the harassing phone calls to my personal cell phone. 

Dates and times of the unwanted calls : XXXX - XXXXXXXX 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 I am not able to retrieve previous phone calls from this company on my cell phone. This company will not stop calling even when I block their various incoming phone numbers.

Company response to consumer: Closed with explanation