BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I took a small XXXX loan out for my son in XXXX. The original loan from XXXX XXXX XXXX XXXX XXXX was sold to another company, XXXX in XX/XX/XXXX and came due in XX/XX/XXXX. 

I never received notification of the changes that a new lender was handling the loan or that the loan was due because the contact information of the new lender was screened out of my e-mail- The new Lender being XXXX not XXXX XXXX. 

I have followed my credit rating score for 10 years on a monthly basis. I have had very good to excellent credit during this time frame. 

In XX/XX/XXXX there was a sudden HUGE drop on my credit score. I immediately pulled a full credit report and saw that XXXX had posted 90 days of delinquencies on my credit report. I immediately called them and explained that I had never received notification that the original loan had changed companies so was completely unaware the loan was due. My husband and I were following the original student loan summary from XXXX College 's financial aid office. 

In addition to this my son was in the process of joining XXXX, and seeking loan deferments from his student loans which we had received current contact information about. 

I explained the situation to XXXX, immediately paid the balance due and set up auto pay on-line. When I asked them to please recind the delinquencies, or forgive them given the circumstances they were completely unwilling to work with me. 

My credit is ESSENTIAL to my family and me because my husband recently became permanently XXXX due to an XXXX XXXX. I will provide any documentation needed. I work for a XXXX XXXX XXXX XXXX and a XXXX XXXX as a XXXX. 

I am requesting your help for recinding the delinquencies on my credit report. 
Any help you can give would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a credit card with XXXX XXXX XXXX in order to establish credit. After using it and paying it off for a few months my credit was in a good spot and I was able to open a credit card with my regular bank. I no longer used my XXXX XXXX credit card and did not think much of it. 

When I got orders to XXXX I was attempting to get a home loan so I could purchase a home and was told that I was declined due to late payments on a XXXX XXXX credit card. I looked into the account and found out I had been charged an " Annual '' fee monthly from XX/XX/2018 through XX/XX/2018. I was then charged interest and late fees on these " Annual '' ( Monthly ) fees. I had not been charged anything XXXX through XXXX, nor had I used my card since XXXX or XXXX. 

I contacted the company and after much difficulty and back and forth they finally agreed to remove all charges and re-report it to the credit bureau. I have statements showing that they credited back my account and I owe XXXX dollars and also closed my account. However, they still reported me as having a late payment in XXXX. I contacted the company again today and instead of being helpful, they gave me the runaround, told me there was nothing they could do and I could contact the CFPB. 

I believe this is an extremely shady business practice. After someone stops using the card for about six months and can be reasonably assumed to not be paying too much attention to it they start charging people monthly and tacking interest and late fees onto these payments. When I got in there I owed almost {$100.00} on a credit card I had not used in six months. When I spoke to them they were very difficult and were fighting me tooth and nail to not remove these fees. They would continually tell me " Oh I can only remove one late fee, '' and then I would be persistent and all of a sudden they can remove two late fees and one of those " Monthly/Annual '' fees. I had a 15 minute back and forth with someone with what the definition of the word " Annual '' means. When I was finally put through to a supervisor they agreed to clear everything within about two minutes, which tells me this is the business practice ; Try to get people to pay them anything they can get on credit cards they are not even using. 

I am a member of the armed services and this is affecting my ability to get approved for a mortgage which means I am going to have to either eat the cost of a temporary living situation until this gets resolved or go a different direction. 

I could not more highly recommend to anyone to steer clear of 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 explanation
Consumer complaint received 2018-11-12
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:
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. Bankruptcy : Discharged CH-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 explanation
Consumer complaint received 2020-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made my payment to my cap1 Walmart credit card instore on the XXXX of XXXX when it was due. I have a reciete showing the date on it. When I called cap1 on XXXX the manager said I must not of made it by cut off and quoted me times for online or over the phone payments. No place on my statement does it say how in-store payments will be processed. I received a {$39.00} late fee for making my payment on time! They should stop taking pymts instore if there is a cut off. 
XXXX was so much better of a company to work with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-12
Company: MOHELA
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:
Mohela Department of education Opened XX/XX/15 Amounts. {$2300.00} Sent letter explaining that I never took this loan, someone has my identity information. 

XX/XX/15 Amounts. {$1200.00} XX/XX/2015 Amounts. {$2500.00} XX/XX/2015 Amounts. {$3800.00} Sent letters and made phone calls explaining. I never took out a student loan. This is affecting my credit and my score. Please find the person that is doing this. I am still getting bills and collection from Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
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:
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. Bankruptcy : Discharged CH-XXXX, XXXX,. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2021, I opened a XXXX XXXX  account at TD Bank. XXXX XXXX XXXX was the XXXX XXXX who assisted me, XXXX. Since the day that I opened the account, I've had some problems. For example, the day I opened the account, the ATM Card machine went down, so I had to swing by the Bank the next day, to pick up my XXXX XXXX XXXX. Then, someone either switched my ATM card or placed a few codes on it that prevented me from paying the XXXX XXXX. I had to call TD Bank Customer service to have the problem fixed. At times, there's a computer glitch when attempting to log into my online account. 
Time went on, I began to see charges that were not supposed to be on my account. I escalated the problem to the Executives after being mistreated by the XXXX over the phone. The Executives credited my account {$18.00}. Later that week, I walked into a nearby branch and had my ATM card switched. Upon obtaining a new card, the bank employees were able to see that I'm the one who makes all the transactions that were being reflected on another person 's account. Time went on. Someone found out my account has nothing to do with the other account, so I guess they went back to square one.They did something to my card that prevented me from paying public transportation fares. I had to call the bank and email XXXX. 
Now, as of this morning, XXXX, I got charged " Paper Statement Fee '' and Maintenance fee on a XXXX XXXX account, first time. After month XXXX. If I'm not mistaken, there's on a fee if the person does not make more than {$500.00} deposits XXXX something like that ). I've deposited over XXXX XXXX dollars ( monthly ). So, were these fees removed MANUALLY from my account the same way the XXXX XXXX fee of {$48.00} were deducted MANUALLY by a third party? If so, this needs to end. That's a crime! Nobody should be allowed to hack or view another person 's account and MANUALLY deduct money. This is why I'm sending this CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: CORELOGIC INC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Me and my husband had applied rent for XXXX XXXX XXXXt but they denied our credit approval showing the reason that there is third person involved in my credit report but later on when I received my consumer file report from the core logic safe rent there is no any other person involved in other words everything looks fine. So now when I asked them about that they said that status should be updated before we proceed. 
Now I did not understand how that third person shows in my report before and why I did not see that third person on my consumer file report. Is that the different things? As my consumer file report looks fine when can I get rid out of this issue?

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 2019-05-23
Company: KEYCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I wrote a check on XX/XX/XXXX, to an individual, to rent a vacation property in XXXX for a week. The check was a deposit on the rental of the property for {$300.00}. Shortly after mailing the check, I cancelled the reservation and was told there would be no charge. The check cleared my bank account on XX/XX/XXXX, eight years and 11 months later. 
I contacted my bank and they told me the check was stale but not invalid and that I needed to talk to the payee to resolve the issue. In trying to find the payee I discovered that she passed away in XX/XX/XXXX. I am sure the endorsement on the check is fraudulent. It has the payees name and then states pay to the order of her son. 
This, now a third party check that is almost nine years old, was cashed by Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: First Federal Credit Control, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The XXXX 's visit in question and billed for {$490.00}, on XXXX/XXXX/XXXX, was to have been paid by an agreed third party corporate concern. A statement to that effect was hand written by the patient on the medical intake form the day of the visit and the same was done on all subsequent intake forms and visits by the patient. Had this not been the agreement the patient would have refused the service or XXXX XXXX would not have preformed the procedure. This was a referral by the XXXX XXXX of the patient in this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Big Picture Loans, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Big Picture Loans was suppose to withdraw {$120.00} on XX/XX/21 but did not.. I received an e-mail from them on XX/XX/21 to contact them and I did. The representative I talked to could not resolve the problem and told me that it would have to be resolved at the next level up..The representative kept placing me on hold during the call, which was very aggravating. But she said it would be looked into and asked for my phone number. I heard nothing until XX/XX/21 by receiving a text that my payment was past due and to contact them. I contacted them and the same process as before began to start. I was being placed on hold. I believe this is an attempt by the company to have additional interest accrue to make extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
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:
Hello. I looked into my credit report around XX/XX/18. I saw that my credit report had a XXXX credit card. I never signed up for one. So I disputed it on experian. They said that it was accurate. I called the XXXX XXXX and they said that there is a credit card with my social sercurity number on it but they can not discuss it with me since my name isnt on the card. I disputed it again with Experian and they are still saying that it is accurate. The has good history but its XXXX dollars limit. I would like to have the card removed from my report. ASAP.

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 2018-06-19
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The XXXX XXXX, calls me at least 3 times a day to tell me my payments are behind, the last time I spoke with them I told them I don't have lots of time during the day to discuss this and I would like to be granted access to view my account history or payment history or either emailed or mailed the payment history to compare what they have to my bill pay history. I always use bill pay through my bank to make payments, they refused to provide me with access or written proof of my payment history and rudely told me I needed to start making my payments via XXXX XXXX or XXXX XXXX  or they would always report my payment as late regardless of when it is received, the representative told me for their company the received is when they begin processing the payment not what is on the check from your bank sent via bill pay. They have since that conversation began reporting to the credit bureau 's late payments of. 30 and 60 days, those reports have drastically effected my credit score. They refused to reply to any of my emails or letters.

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 2019-05-23
Company: ABSOLUTE CREDIT  LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2017 I went to medical clinic in XXXX NY when I was in college XXXX XXXX XXXX I had XXXX and then had XXXX XXXX to the XXXX. The doctor transferred me to XXXX XXXX by ambulance I did not consent to this because I was given XXXX XXXX The cost was {$1700.00} and my insurance XXXX XXXX XXXX, would only cover the cost if proper reasons are given for ambulance use from one facility to another facility. The ambulance company XXXX XXXX XXXX will not provide proper paperwork, XXXX XXXX and XXXX XXXX XXXX will not follow up. I have insurance through my Dad who is a XXXX XXXX. We are trying to straighten this out but everybody is pointing at the other guy and the collection company is threatening me all the time nonstop. How do I straighten this out. Please Help. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NYXXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
You have the wrong address being reported to all 3 credit reportimg agencies. My only address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. The XXXX XXXX address belongs to XXXX XXXX XXXX   Also as show of goodwill I would like all 4 late payments removed as payments are now being made on time. I would like to purchase a house and tgis is hurting my credit. Please remove all 4 late payments as follows : 30-59 days-XX/XX/XXXX and XX/XX/XXXX 60-89 days- XXXX and 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 explanation
Consumer complaint received 2018-11-12
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: Account information incorrect

Complaint:
You have the wrong address being reported to all 3 credit reportimg agencies. My only address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. The XXXX XXXX address belongs to XXXX XXXX XXXX   Also as show of goodwill I would like all 4 late payments removed as payments are now being made on time. I would like to purchase a house and tgis is hurting my credit. Please remove all 4 late payments as follows : 30-59 days-XX/XX/XXXX and XX/XX/XXXX 60-89 days- XXXX and XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12
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: Account information incorrect

Complaint:
You have the wrong address being reported to all 3 credit reportimg agencies. My only address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. The XXXX XXXX address belongs to XXXX XXXX XXXX   Also as show of goodwill I would like all 4 late payments removed as payments are now being made on time. I would like to purchase a house and tgis is hurting my credit. Please remove all 4 late payments as follows : 30-59 days-XX/XX/XXXX and XX/XX/XXXX 60-89 days- XXXX and 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 explanation
Consumer complaint received 2019-05-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
There were promotional purchases that had huge interest rate increases if not paid in full. The expiration was not properly highlighted to me as I use paperless statements. It is buried in the normal monthly statement and even though they send out a separate notice that a monthly payment is due and the amount and the date they did not send out a separate payment that the special interest rate was expiring. I think this is done purposely to incur huge interest fees on people that are otherwise unaware that the promotion is expiring a year or two after it is applied. 

Even normal credit cards will send an email notice of promotions or something that is about to expire that is separate from the normal statement. I think this is especially egregious on a card that is used purposely for medical expenses. It prays on a separate set of the population unfairly.

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