BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-01
Company: Rosebud Economic Development Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I borrowed a loan for a {$1000.00} and the they have an agreement form stating this. 

ANNUALPERCENTAGERATEFINANCECHARGEAMOUNTFINANCEDTOTALOFPAYMENTSThecostofyourcreditasayearlyrate.Thedollaramountthecreditwillcostyou.Theamountofcreditprovidedtoyouoronyourbehalf.Theamountyouwillhavepaidafteryouhavemadeallpaymentsasscheduled.XXXX   % {$2300.00} {$1000.00} $ XXXXYourPaymentSchedulewillbe : NumberofPaymentsAmountofPaymentsWhenPaymentsAreDue1 $ XXXXXX/XX/XXXX2 $ XXXXXX/XX/XXXX3 $ XXXXXX/XX/XXXX4 $ XXXXXX/XX/XXXX5 $ XXXXXX/XX/XXXX6 $ XXXXXX/XX/XXXX7 $ XXXXXX/XX/XXXX8 $ XXXXXX/XX/XXXX9 $ XXXXXX/XX/XXXX10 $ XXXXXX/XX/XXXX11 $ XXXXXX/XX/XXXX12 $ XXXXXX/XX/XXXXLateCharge : Ifapaymentis3daysormorelate, youwillbecharged $ XXXX.Prepayment : Ifyoupayoffearly, youwillnothavetopayapenalty.SeethisLoanAgreementforanyadditionalinformationaboutnonpayment, default, anyrequiredrepaymentinfullbeforethescheduled. 

This is what I put my self into. I am a consumer who needed help at the moment working pay check to pay check. I was struggling to pay it back and my salary was not enough to cover the bi weekly payments of {$280.00}. 

If I'm late they charge a fee on top of it and the loan was {$1000.00} and if I did continue to pay it bi weekly of just XXXX It will total to about {$3000.00}. 

I'm just curious if this is a legal form of business. 

Thank goodness my father help me out big time on this deep hole, I put myself into. If it was just me I would be paying this bank for the rest of my life. 

We decided to pay it full in one time and it totaled to XXXX. That's the final amount I had to pay due to more than 75 % interest rate. This is a big learning experience for me I had no idea what I was going into. Yes I'm ignorant about the agreemental but I needed the money. 

The point I'm trying to share to anyone here is that is this even legal for someone to charge you that high amount of interest and if you borrow a XXXX dollars you'll have to pay for the rest of your life the XXXX in total of roughly 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 2019-09-05
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My information was stolen and my personal information was compromised and used to open up fraudulent credit accounts. I have contacted these companies and supplied all information that was required ( Police report, Fraud Affidavit, Copy of Social and Driver 's License ) and also filled out documentation that was sent to me from the companies. There has been no resolution for these fraudulent accounts and they are holding me responsible for me being victimized. I contacted " XXXX XXXX '' although it was deemed as fraud I spoke with a supervisor named " XXXX '' he told me that they don't have to clear anything, that they can do whatever they want until they find where the money went. I spoke with several representative at " Macy 's Fraud Claim Department '' I was told that it was deemed as fraud, but then received a letter saying that I am responsible for this account. I contacted " XXXX Fraud Department '' after sending in all documentation, I was told that I am responsible for this fraudulent account. I have never had any accounts with these companies and they need to be removed 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 2018-11-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XXXX I paid a loan to XXXX XXXX in full on the due date. They mistakenly reported my account 30 days past due. XXXX XXXX the area director gave me a letter stating the credit reporting agencies needed to take it off my credit. The credit reporting agencies will still not remove the 30 day late from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: EQUIFAX, INC.
State: NV
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 name is XXXX XXXX XXXX, I have contacted by certified mail each credit bureau as well as the collection agency to only have a failed attempt. My information and one of a XXXX XXXX XXXX have somehow merged. I have provided sufficient information to everyone to only get back send verification. When I ask for verification of these accounts they send to my address XXXX XXXX XXXX information. I know this must violate some privacy laws. If Im receiving her information she might also be receiving mine. My credit score has dropped from a XXXX to a XXXX due to her information being put on my reports. I also have accounts that are not even showing on my reports. I have exhausted all options. So Im not here. Please fix this issue. When my credit is ran they come back with her scores and information. Please Help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
Company: EQUIFAX, INC.
State: KY
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:
Due to the lost of my identification a couple of years ago, my identity has been seriously compromised and all of these fraudulent inquires I'm demanding to be removed immediately for this is hindering me and is a strain on my true credit worthiness. 

Please remove the following fraudulent inquiries. 

1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX  ( XX/XX/XXXX ) 6 ) XXXX XXXX   ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/XXXX ) 8 ) US Dept of EDU (XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) XXXX/XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 have a credit card with American Express called XXXX XXXX credit card which has an animal fee and doesnt have any benefits I have been told by American Express that I should keep this card for 12 months before I apply for a different card and now I have this card for 1 year and 8 months and I have applied for different card to give me benefits and American Express still declining my application American Express keep lying to me as I have sent a complaint before to cfpb and American Express replied back to the complaint saying I should apply for a different type credit card once I have the 12 months period completed abd now today XX/XX/2020 I have applied for American express blue cash back card and it was automatically declined by their system which it means they lied and they still lying Please I need help because American Express likes me to keep the card I have because they charge me annually for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I lost my job just after closing on the house in late XX/XX/XXXX. I used savings to make the payments until XX/XX/XXXX, when I couldn't make the XX/XX/XXXX payment. I have since gone back to work but am behind for XX/XX/XXXX, XX/XX/XXXX and tomorrow, XX/XX/XXXX. I have tried to call the company several times, but am kept on hold a very long time or no one answers. I've sent 4 written messages through the company 's online message center but no one has responded to any of my messages or answered any of my questions. I get at least one letter or statement each day from this company, but no one will talk with me when I call or reach out to the through their website or loan administration portal. I can only make 2 or 3 payments online. Their portal will not allow one payment. I can't make a payment over the phone because I can't get anyone to talk with me. I finally mailed one payment in on XX/XX/XXXX, but they are telling me they haven't received it and it has not been posted to my account and it has been 7 days. I received a letter today telling me that I must make 2 payments on or before XX/XX/XXXX or I will be in the foreclosure process. They will not accept one payment. Only two. I'm not making partial payments, but full payments, but I can't make two at a time. I don't know what to do since this company will not accept a mortgage payment from me but is threatening foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Experian Information Solutions Inc.
State: NJ
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 have a credit card with XXXX XXXX called XXXX XXXX credit card which has an animal fee and doesnt have any benefits I have been told by XXXX XXXX that I should keep this card for 12 months before I apply for a different card and now I have this card for XXXX  year and XXXX  months and I have applied for different card to give me benefits and XXXX XXXX still declining my application XXXX XXXX keep lying to me as I have sent a complaint before to cfpb and XXXX XXXX replied back to the complaint saying I should apply for a different type credit card once I have the 12 months period completed abd now today XX/XX/2020 I have applied for XXXX XXXX XXXX cash back card and it was automatically declined by their system which it means they lied and they still lying Please I need help because XXXX XXXX likes me to keep the card I have because they charge me annually for it.

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 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Disputed to credit reporting agency that I did not open any accounts in XXXX or XXXX. Also, collection agencies are reporting inaccurate information to keep account open just to report negative information to obtain a payment.

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 2018-03-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several letters were written to XXXX to VALIDATE a debt reported by XXXX XXXX as well as several hard inquiries to my credit report due to identity theft. XXXXXXXX XXXX was never validated so needs to be removed. It was removed XX/XX/XXXXbut then re-inserted without a 5 day written notice. I've never received a validated contract with my signature nor have I received a detailed bill validating the charges. This is violation of my consumer rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Marlette Funding, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Hello, Was sent offers in the thousands of dollars, by these companies who claiming I was Pre-qualified for a loan, after applying for a loan from one of these company, suddenly I get turn down and they saying no longer qualified for any loan, with that company. 

Not understanding, what Pre-qualify me in the first place when they made an offer of a loan.? These called predatory loans, and false offers, on person like me.. 

I'm not new to this office, I recently complained before. My complain number is:XXXX. In that case the decision sent to me XX/XX/2017, about my complaint, I'm very displeased with your decision, and moreover, your response offered no consolation to my complaint. 

However, I continued to get offers in the mail with offers over and over again, especially from XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Pre-Approved for {$30000.00} and so. 

These companies are collecting personal information only, not really lending, and the government needs to do something about it, and place a stop to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have informed them on several occasions ( at least 5 times ) and that the only Name, Address, and Telephone # and Employer information that should appear on my credit report is the following : address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX Employer : XXXX XXXX XXXXXXXX  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 2020-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2020 and XX/XX/2020 do to covid there was no late charges due to goverment but they charge me for late and report late to credit burue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2020 XXXX  XXXX put a collections on my credit report. This collections popped up on my bureau report and has greatly lowered my score. This debt collector is saying I owe money that I do not owe. Therefore this collections is an unknown collections debt and unverified collections debt.

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 2018-02-01
Company: Experian Information Solutions Inc.
State: CA
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:
A default judgment is appearing as a collection account on EXPERIAN, XXXX, AND XXXX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX , XXXX XXXX.ACCT NO. 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 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 contacted Transunion on XX/XX/2018 at XXXX to inform them that I am a victim of the current inquiry issue. The representative by the name of XXXX refused to assist me with the removal of the unauthorized inquiries on my credit file.

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 2017-12-23
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In early 2016 I discovered a derogatory on my credit from XXXX XXXX XXXX for {$170.00}. I immediately called them and told them I had never had service with them, especially during the time frame they claim. I filed an Identity Theft Claim with the FTC and filed a police report. I proved it by sending them proof that I was in a XXXX XXXX XXXX in Colorado at the time. I later discovered my ex-wife had used my credit to open several accounts ; some she paid and some she did n't. XXXX agreed and immediately removed the entry from my credit from all three credit reporting agencies. Two months later, a derogatory showed up on my credit from XXXX XXXX for the same {$170.00}, who had taken over XXXX and their old receivables. I went through the same drill with them ; they agreed and removed the entry. A few months after that again appeared the same debt for {$170.00} from XXXX XXXX which had taken over XXXX. I went through all of the drill again ; they agreed, and removed it from my credit. A few months later, a collection agency called XXXX XXXX posted the {$170.00} debt as a Collections account. Once again I proved I did n't owe XXXX anything, they agreed and removed the entry. Now last month, I see that another collection agency, XXXX XXXX XXXX has again posted a {$170.00} collection account to my credit. How do I stop this from just keep happening over and over. XXXX claims they long ago had written off the debt and agree I do n't owe them anything. But all of the subsequent companies just keep buying up old a/r lists and put it on people 's credit in hopes that they will get paid off because they are harming said credit. This is just plain extortion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: DISCOVER BANK
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:
I was checking my credit at my broker 's home because I want to buy a house and I noticed that there are multiple erroneous accounts reporting on my credit profile that I did not authorize. I was a part of a data breach and my personal identifying information was compromised. The accounts and inquiries that are fraudulent are listed below : Account Name : Discover Bank Account Number : XXXX Amount Owed : {$500.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$470.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$800.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$700.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$340.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount Owed : {$2000.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$900.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$0.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Amount Owed : {$290.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$490.00} Found Out About Account : XX/XX/XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX, acct no.XXXX and XXXX XXXX XXXX XXXX  acct no. 
XXXX are two collection accts showing on my XXXX and XXXX credit reports. 
on EQUIFAX ONLY security credit services llc acct no XXXX is showing as a collection with no balance. 
ALL ARE INACCURATE FOR THE FRAUD OF THE ORIGINAL CREDITOR.EACH ACCOUNT IS FOR THE PURCHASE OF A SOFA.IN BOTH CASES THE SOFAS WERE CONSTRUCTED DEFECTIVELY AND BEGAN TO COME APART WITHIN THE 1ST 30 DAYS OF PURCHASE.WITHIN 90 DAYS THEY HAD TO BE DISCARDED AS REFUSE. 
I APPROACHED THE ORIGINAL CREDITOR IN PERSON REGARDING THIS SCAM. 
LIKE THE FRAUDSTERS THEY ARE THEY OFFERED ME A XXXX DOLLAR CREDIT ON EACH SOFA WHICH I REFUSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Nelnet, Inc.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I called Nelnet, my student loan servicer to set up an automatic payment. I am still a student, and when I tried to do this on their website it said I could not because, currently being in school means I don't have a due date, and therefore no need to make payments. 
When I called Nelnet the customer service representative took the time to ask his superior if he could help me set up an automatic payment, the answer was no. He told me I could set up bill pay through my bank. When I asked him for help to do this, he said he didn't really know how it works, I should contact my bank.

Company response to consumer: Closed with explanation