BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: EQUIFAX, 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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 XXXX XXXX I called Capitol One to pay off my credit card. I first used my rewards to pay {$170.00} then asked to pay the balance. This is on Capitol One 's taped line. The young lady said my balance was {$5000.00}. I then paid that amount. I asked twice if that was all that was owed to have a XXXX balance. She said yes. Next month I got a bill for {$110.00} and some change. I called and talked to 3 different people. The bill was for interest and service fees. When I went thru their company to pay it off and was told I still owed more, I was very irate. I don't believe I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 non-monetary relief
Consumer complaint received 2021-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
HI, I have been disputing this fraud account on my credit reports for years!! I have wrote numerous validation letters to the collection agency through the years & they have no proof this is my account, I explained to them it's not mine, & IM A VICTIM OF FRAUD/Identity theft! I never opened an account in XXXX with capital one & then capital one sold it to Portfolio Recovery Ass. In XXXX! This collection company has violated my rights several times by ignoring my requests & reporting fraud on my credit reports. I have no contract with Portfolio Recovery ( nor XXXX  XXXX  ) & they keep sending a copy of a bill with my name on it, any one can use your info & create an account! It's against the law for a 3rd party collection agency to report on my credit reports with no validating contract & signature, for more than 120 days. I am fed up with this company! I deserve for this fraud to be off my reports asap. I have already filed an identity report with the federal trade commission & they still are illegally reporting this fraud account on my credit report to XXXX XXXX, XXXX has removed it, I appreciate if they remove this fraudulent acct. ASAP It is hurting my credit & I don't deserve this, when it doesn't belong to me! 
THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: AMERICAN EXPRESS COMPANY
State: VT
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 requested a lower APR/Interest rate in XX/XX/XXXX. I received a generic response to my last CFPB complaint I submitted on this topic stating that APR was based on credit history and scores. I have over a 750 credit score and 100 % on time payments ; the reasoning provided in AMEx 's form letter was not responsive to my individual situation or request.

I started to email corporate requesting a specific reason why I was being denied a lower APR in XX/XX/XXXX. I was told to wait for a response several times, then I was told that a lower APR was available for my account, but I HAD TO CALL AND SPEAK TO SOMEONE ON THE PHONE IN ORDER FOR AMEX TO APPLY THE LOWER APR RATE TO MY ACCOUNT. AMEX claims that this is for security reasons that I must call.

I was told by the 'executive assistant ' if I would not call, that they would not apply the lower APR and they also would not respond to anymore emails. AMEX has been unresponsive to my requests to apply the lower APR for over 10 business days, despite my repeated requests to apply the lower APR to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just looked into my credit report and saw a bunch of inquires that I didnt allow on my report. I contacted XXXX XXXX to get it fixed and they were no help they told me to contact the companies its self, I did that and then the creditors gave me a run around and then i called back to XXXX XXXX and they said they couldn't help further. I want these inquires that I did not make on my credit report off. 
They did give me a file number : XXXX Inquires : XXXX BRCLY BANKED XXXX XXXX XXXX  ( 3 times repeated ) XXXX ( 2 times repeated )

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 2018-09-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just looked into my credit report and saw a bunch of inquires that I didnt allow on my report. I contacted XXXX XXXX to get it fixed and they were no help they told me to contact the companies its self, I did that and then the creditors gave me a run around and then i called back to XXXX XXXX and they said they couldn't help further. I want these inquires that I did not make on my credit report off. 
They did give me a file number : XXXX Inquires : XXXX XXXX XXXX   SYNCB XXXXXXXX XXXX ( 3 times repeated ) XXXX ( 2 times repeated )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient has aggressively hounded me at home, work, through family, friends and people I have not had contact with in many years. It's very tricky attempting to navigate their system in order to provide options in order to get my loans out of default. My loans are now over double what they originally were which is directly related to fees and interest making my loans more than double to originating amount. I have a 4 year degree that is now costing more than my yearly salary. I get nowhere working with them and would like to know what my options are. I understand this company has been sued in the past for unfair practices and I would like to join any current petitions or suits filed against them related to the mishandling of student loans. Any time I returned their calls in the past the option shoved down my throat was to go into a forbearance. Once that was exhausted they suggested I take on a third job or that my husband take on a second one ( this is unrealistic ). No one there has provided me with any realistic options consistent with our level of income. I am already in XXXX other student loan rehab programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-10-11
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2021 Citi closed my credit card account ( account number XXXX ). Before closure there was several hundred dollars worth of rewards cash back that was met through normal card spend in accordance with the card 's terms and conditions. Upon account closure none of this cash back was accessible or redeemable. As of the time of submission for this compliant, I have still not been reimbursed or otherwise given the cash back earned and accrued while the account was open and in good standing. Attached with this complaint are the two most recent statements, showing the cash back before ( {$680.00} ) and after ( {$0.00} ) account closure.

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 2019-05-20
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is regarding : EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Phone Number : XXXX Website : http : //www.eos-cca.com/ I was reached by telephone on XX/XX/2019 in regards to a legitimate debt that I was unaware of at the time for approximate sum of {$2000.00}. The debt collector explained to me that he's collecting a debt, etc ... 


I asked the representative multiple times if this currently, or will, reflect on my credit report. He explained clearly that it will not as long as a payment plan or payment was received. 


I told the collector that I was willing to pay the debt in full to prevent any damage to my credit, however, if I could set up a payment schedule of {$500.00} per month, I would prefer it ; again on the terms that it will not reflect on my credit report. He explained clearly again that it will not reflect on my credit report. I agreed to the plan and have been paying by the terms since. 


On XX/XX/2019 I received multiple credit alerts that there was a derogatory collection account posted from EOS CCA originating from XX/XX/2019 for the sum of {$1500.00}. This was explicitly a violation of the terms and agreement that the debt collector explained to me. In addition, the first payment of {$500.00} was not posted until the next day of origination ( the XXXX, during the call ), so the balance shown in collections was already post-payment ( not the original {$2000.00} balance and which also shows an invalid date of XX/XX/XXXX, not the XXXX ) which shows that the debt collector issued this credit hold after explaining the terms of the payment plan and setting the agreement that this would not be reflected on my credit report. 


After calling EOS CCA on 3 separate occasions on XX/XX/2019, they initially found no record of a conversation with a previous representative, but acknowledged the fact that a payment plan was in place and that there must've been contact. They also explained that there should have been no agreement with the representative and that they would never strike a deal to " not '' inform the credit bureaus. They explained that they would review the tapes and that I was supposed to call back within 48 hours to speak with a manager. 


EOS CCA misrepresented, misinformed and mishandled me and my information. Without transparency and releasing of the tapes they have on file of my conversation that set the agreement with their representative, I am at the mercy of EOS CCA and their managers, despite of holding my end of the agreement up, giving them the chance to further mishandle and manipulate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Towards the end of XX/XX/XXXX, my contract and leases with XXXX for cellular phone service ended. I chose to end that relationship and change providers. A major reason for that change is that I constantly had a difficult time with XXXX customer service. Credits were supposed to be applied and changes made, but nothing appears to have happened. 

I changed providers on XX/XX/XXXX. On that date, I specifically confirmed with XXXX that the leases on the devices were complete. I then received a bill from XXXX for well over {$1000.00}. I again called and was basically told that, upon XXXX 's receipt of the devices, the bill would be reduced dramatically. I returned 4 of the 5 devices to a XXXX store on XX/XX/XXXX. I returned the other via XXXX on XX/XX/XXXX. 

I do not recall the first phone call, but thereafter I received phone calls from a collection agency saying that I owed XXXX ~ {$1800.00}. On several occasions I explained why that figure is incorrect, but the phone calls continued with no changes. Eventually I explained that any further communications had to be in writing. I received no phone calls for several months. 

Last week, I noticed that the collection company for XXXX reported this purported debt to each of the 3 credit reporting agencies. I initiated a dispute with each of the agencies. Today, the XXXX   dispute investigation was completed, but they did nothing because the collection agency stated the debt was " verified as accurate. '' The investigation results provided the following information for the collection agency : Source Receivables Manag XXXX XXXX  XXXX XXXX, NC XXXX ( XXXX ) XXXX On XX/XX/XXXX, I called the number provided and spoke with a representative. I called at XXXX XXXX EST, and the representative terminated the call at XXXX XXXX  EST. I tried to explain the ongoing issues, and why the debt is invalid. The representative was combative and uncooperative. I explained that my prior phone calls from XXXX will show why the debt is invalid. Her response was that it is not her responsibility to dispute the debt. I explained that I do not have access to the XXXX database. I then tried to have the representative explain the basis for the debt. She said that the debt was because I terminated the leases early. This is something I had never heard before. I explained that, regardless, I had not terminated the leases early, and asked her to further explain the purported amounts owed. She refused. She said that I was cutting her off and the conversation was going nowhere. She then terminated the call. 

They have refused to address this issue, and I have no other way to have them acknowledge that this debt it invalid.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper home loan company refuses to take my payment over and over after we took a covid 19 payment forerance XXXX I started back on payments in XX/XX/XXXX where they would only take a portion they told me only of XXXX of regular payment amount which was XXXX my loan payment is XXXX normally so that's what I did for three months on time. I was told after 3 payments this way they would work with me and refinance to terms for covid 19 relief. I was then given papers to refinance my home in a 40 year loan vs my 20 year loan at same rate which is higher than average interest rate and I didn't want a different amount of years in loan we are already in. I was told by the legally they won't refi my loan or any other servicer for 12 months. My husband is XXXX and I'm XXXX on ssdi since XXXX. I then was very upset they told me this was all they could do and I need to sign it I did not I wanted the amount to be put on back end of loan only or refinance with options for terms and less interest charges. I was very upset and made calls to an Mortage loan office that I have used in the past and was told how they can't do what they are they durning this time gave me no access to online loan details nor was any of my calls going through. I got through to a division of Mr Cooper that deals with issues with consumers and I basically told them you are lying and giving misleading and inaccurate information and making me feel I have to do something that is not what I see nor read about on covid 19 Mortage relief per the government. I was after hours of research able to find out that I need to go to my original payment amount and pay 3 payments on time and I can refi with a FHA or Va loan. My husband is also a veteran but we have a conventional loan at this time. So after knowing this had to call back Mr Cooper stated all the information I had learned telling them how fraudulent there are being and how unlawful there practices are being because again they would not take my payment finally got a representative from Mr Cooper to force my original loan payment for 2 months XX/XX/XXXX and XX/XX/XXXX. I said I would call re the XX/XX/XXXX just to confirm what date to process payment and they didn't want to take it again with out full amount due including payments missed from covid 19 relief or nothing again had to spend hours being transferred to person to person when someone forced payment through.. this has been very stressful and time consuming I feel like I've been lied to over and over for there benefit reguardless of the law please help I would like to get into HUF program when available for the past Mortage and to be given truth from these companies and help not taken advantage of for there own financial gain...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Westlake Services, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I got the loan in XX/XX/2021 XXXX payment was due XXXX. I started paying XX/XX/2021 and continued to pay ahead. Every payment I would call and say please put the amount or the extra amount on the principle and they told me they would but they never did. I want the money paid ahead to go towards my principle. In XXXX a fee on my Statment says UNPAID TAXES/OTHER no one can tell me what it is for and I want it removed.

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 2019-05-20
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
I used to live in XXXX I leased XXXX car my payments used to {XXXX}, never missed a single payment. I then moved to XXXX, sale tax has increased by XXXX dollars. I did not receive any note or letter or notification asking me asking to pay XXXX dollars more a month. XXXX continue to make payments for XXXX} via automatic debit, XXXX continued to debit $ XXXX month.I XX/XX/2017 I was shocked that I was reported for late payment even though I always paid the XXXX via automatic debit, XXXX stated that I had to pay {XXXX} ie XXXX dollars more.It would have been easy for me to pay the XXXX had I known about it. Have never in my life missed a payment. I believe that this is unfair practice since any logical person can realize if I am paying {XXXX} i could have easy been able to pay the who {XXXX} had I known that this my about due .I never intended to delay in payment just dd not know. When I new form my credit report I immediately pain the deference, I beige is unfair to label my credit report with late payment where I clearly paid the money ( XXXX ) every month via automatic debit, for very brief time the amount was XXXX dollars short just because I did now. I contact XXXX XXXX they wot even talk to me and refused to work with me on that. I disputed this but was unable to change this.

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