BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was part of the XXXX credit information hack. In addition to lack of personal notification that ALL of my personal and financial identity information was compromised, I find it unacceptable that I have to PAY to freeze my credit when I did NOT consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Personal Information CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : 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 2019-09-17
Company: Capital Markets Cooporative, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a payment on XX/XX/2019, and it is still yet to post to my account even though it was withdrawn the next day from my bank account ; however, I continue to receive billing stating my account is overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was charged 21 individual overdraft fees @ {$35.00} each for a total of {$730.00} charged to my account. The reason for the overdraft was a transition to a new employer and the wait time required to set up direct deposit to my account. The email notification that I would have normally received would have informed me that my balance was below the minimum balance. The email account for that notification was suspended when I terminated my employment with my previous company. I never received notification of any kind from XXXX XXXX that my account was overdrawn. I called XXXX XXXX for resolution of the charges and explained my situation. They credited my account back half of the charges. This is not sufficient. There is still a balance of charges totaling {$380.00}. They told me that the 21 individual charges where associated with recurring automatic payments that charge my account monthly. When I look at the charges that came in automatically they do not match up with the 21 charges against my account. I have been a long term customer and feel the charges are excessive and a small price to pay to keep a long term customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A lady came to my home to serve me papers. She left them at my door. I got off work and responded the following day by contacting the courts as directed. According to the papers the address they had on file was my XXXX. I haven't lived there in over XXXX years. I have been residing in the state of Texas for 10 years. The courts directed me to contact the company, so I did. the company said to file this report so that is what i am doing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/18 I received an alert on my credit report stating that Home Depot has inquired a hard hit on my credit report. I am very confused because I did not ask for a credit card or gave Home Depot permission to run a hard inquiry on my report. I did go to the store to purchase a car battery and the clerk XXXX stated that she tried to give me a 25 percent  discount off of the battery but she was unable to do so. I asked does she have a promo code and she said it wasn't working but she can give me a military discount of 10 percent but in order to do so she needed my id to verify it was me. When I got home a received an alert, so I believe the clerk XXXX at store number XXXX at XXXX XXXX XXXX, in XXXX, NY ran my credit without my permission and lied about that she needed my information to verify it was me receiving the discount. I am astonished that this has occurred so I wrote an email to the CEO expressing my complaint. I did not receive a response back from the CEO, but I did get an email from the credit company ( Citi Bank ) explained that my concerns were forward to them from CEO of Home Depot and they would look into my concerns, but phrased the email as I had gave permission to run my credit. I reiterated that I did not give permission and this is considered fraud. They again stated they would look into this matter and get back to me. As of now I have not heard anything and the hard inquiring is still reflected on my credit report. I would appreciate it if you can assist me in removing this hard inquiry of my credit report as I did not give permission to Home Depot to run my credit and this is unlawful. Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
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: Account status incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Personal Information CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX EMPLOYER : XX/XX/XXXX Inquiry XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: ECMC GROUP, INC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Falsely created account and false amount owed ... to collection agency " XXXX '' ... 
XX/XX/XXXX..received letter from " XXXX '' stating the amount owed is the correct amount ... this is not true, since " XXXX XXXX '' received payments of {$6600.00} and {$5100.00} in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi Bank canceled my credit card on XX/XX/XXXX but did not provide complete written notice until XX/XX/XXXX, so effectively they canceled my card without providing any notice. This action is unfair. When I called to have my account reinstated the associate advised that they couldn't offer the exact same product and would have to re-pull credit reports. She further advised that these could be pulled from all three major credit reporting agencies. My credit is frozen due to the XXXX   breach so I would incur a fee to unfreeze each file with each credit agency, then pay another fee to refreeze each after Citi pulled the credit reports. Citi 's actions would cause me an undue burden and are unfair. 

What Citi should have done is provide 30 days notice to allow time for review, but since I am next to powerless in the face of a huge financial institution I received the courtesy of canceled with no written advance notification.

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 2017-07-27
Company: AES/PHEAA
State: PA
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:
MyFedLoan Servicing is a poor company to deal with. This all took place within 3-4 months of XXXX-XXXX 2017. I had to re-certify my income payment and was first given an out of date application, which took a month to hear back from them. My second application was completed wrong and I never heard from them, when I called to check, I was told everything was being processed fine. I had to put my loan on forbearance for 2 months, accruing interest of over {$800.00} because of the job they did. After 3 months of going back and forth, I finally received my new payment amount and it is 3x 's as much as I paid last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Blocked my account from making online payments due to a late payment, if I call the number left on voicemail it's just an automated answering service, called the number listed on my account and it is not in service anymore. Called another number and they gave me another number to call, call it and everytime someone answers the call gets disconnected immediately. They are making it impossible for me to pay my car payment after setting up a plan with them to get it caught up, I am caught up now and now there is no way for me to make 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 2021-04-14
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2021 I call credit acceptance to settle my past due debt. I was advised by 21 credit acceptance account holders that they are settling debts for up to 80 % because of COVID-19. I called 5 times to try and take advantage of this offer, all of the reps told me they knew nothing about the settlement. I was transferred to XXXX, a manager in the collections department, she advised that she knew nothing about the settlement either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Back in the end of XXXX, beginning of XXXX I filed a complaint about this loan which they say is mine. When I try complaining, all the credit bureaus do is try to get me to admit it 's mine. At the time this loan supposedly took place, I was freshly out of the hospital from my second XXXX. I 'm still XXXX XXXX XXXX XXXX XXXX, and the dmv had revoked my drivers license for medical reasons. I called XXXX XXXX XXXX  and explained to them, but they did n't want to hear it. I wanted them to show me the contract that I signed, that would have proved it was n't my being that I 'm right handed. After hearing that I had complained they closed the account, the original opening date was X/XX/2013. The item still appears on all three credit bureaus, and I want it off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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 information incorrect

Complaint:
On XX/XX/XXXX, I received correspondence stating that my balance on a closed account was one amount. On a credit report dated XX/XX/XXXX the amount on the account is not the same as on the previous correspondence sent by them on XX/XX/XXXX. I asked the company to remove the account off of all three credit reporting agencies because of inaccurate information. The company didn't respond at all and left everything as is on the credit report. I submitted the paperwork proving the two different amounts and they totally ignored my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
State: RI
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 have no NEGATIVE items on my report anymore but some of my FICO scores ( diff versions all from Experians paid service ) will be about 100 pts lower and the Experian Ficos with lower scores will ( Experian Fico 2 vs XXXX 2 ) state there is a delinquent account yet my FICO 8 score from the same report states there are no delinquencies. When I try to drill down into the account they are stating is negative in the scoring explanation on my Experian creditworks, there is no account there. Can someone please look into this because if a lender pulls fico 8 from Experian it is only XXXX when my Experian Fico 2 and XXXX 8 are above 750. The fico 8 experian score states a delinquency while the others from experian do not. If you look at my experian credit report, there is absolutely no NEGATIVE information so I don't know why some of the Ficos provided from experian will say there is a delinquency when the reports and scores will be from the same date.

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: NCB Management Services Inc.
State: RI
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 unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: FREEDOM FINANCIAL NETWORK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Tne first year into program things were going great. We were told to direct all inquaries from debt collecters to freedom debt relieve. We were told we have lawyers at little to no extra exspence to handle any and all issues that may lead to court. Then we get served by XXXX. Guess what XXXX  wants all there money RIGHT NOW! and that " i was told not to pay my bills '' is not a defense. So we scrapped together what money we had and paid the bill to make this nightmare end. Two mouths later, at dinner time I get served again by a different debt collector again asking for all there money in full once again. My wife and I were told we would be taken care of by freedom debt relief. But when we get sued we have to settle the case not FDR. I was scammed. Now were stuck in a huge hole being sued by multiple debt collectors. HUGE MISTAKE. I want out and need a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Hi, I recently had my chase account closed. 
There was a balance of {$77.00} on that card. When I logged onto my app to pay I noticed 3 charges on this account that were not mine. I have disputed them as fraudulent before as my wallet was lost/stolen I have submitted a prior complaint as well and have not heard back from anyone

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I contacted the company there were very rude to first XXXX XXXX company. I was willing to pay the full amount of {$270.00}. They have closed my account on 2021. There saying if they were to take a payment of {$76.00} they will not open the account. I ask them if I can pay {$270.00} they said no I'm sorry there is a process that I can make but it takes longer the check might be lost by mail. I mentioned to them I am the client and want to pay I don't want my credit to be affected.

Company response to consumer: Closed with explanation