BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Account was open on XX/XX/2014 I was late twice due to financial hardship and being unemployed. I have been current with my payments since then and they will not remove late payments stated it's against the law to remove reporting from credit bureaus and they can get in trouble with XXXX  XXXX and 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 monetary relief
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: TX
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 2017-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I received four bills ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) for {$19.00} ( {$79.00} in total ) from TransUnion credit monitoring service, however I never agreed to or requested these services. Over a year ago, I signed up for a free account with TransUnion. I checked my credit score once and never returned to the site. I recently discovered these fees in my credit card statements without any notification and certainly no request for the service from my end. I logged into the site today and it immediately notified me that my service had been upgraded and had to accept this upgrade in order to access my account ( this page contained information about the {$19.00} fee ). After accepting I immediately navigated to cancel my membership. I would like to be reimbursed for the {$79.00} that was charged to my credit card and I hope the CFPB looks into this shady practice because it seems to be very common based on blog reviews.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
Submitted a timely dispute for a purchase dated XX/XX/2021 for {$320.00} from XXXX XXXX XXXX XXXX. Initially, I only requested a billing adjustment for half of this amount amounting to {$160.00}. The air conditioning service received in my home was less than adequate, I made the company aware of this and filed a XXXX  XXXX XXXX complaint. On, XX/XX/2021, the company sent an email advising they are crediting the full amount of {$320.00}. On, XX/XX/2021, I reached out to American Express chat to amend the dispute to reflect {$320.00}, not knowing if the merchant is going to follow through with the credit. The lazy representative did not follow through on my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05
Company: Dovenmuehle Mortgage, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, we closed on our new mortgage with XXXX XXXX XXXX  and part of that closing, we were reassured that we could recast our loan. Shortly after closing our loan was sold to Dovenmuehle Mortgage. At the end of XX/XX/XXXX, we called the Dovenmuehle Mortgage and requested a call back regarding recasting the loan. In mid XXXX, we received a letter dated XX/XX/XXXX stating that they had received our inquiry and will respond within the time limit required by law. On XX/XX/XXXX, we called Dovenmuehle Mortgage and was advised that we had to send an email to XXXX. We sent our first email requesting a response to be recasting our loan, which we received no response. On XX/XX/XXXX, we sent a second email again requesting a call to discuss recasting our loan, which no response was received. In early XXXX, we received a letter dated XX/XX/XXXX, requesting an additional 15 days to respond to my inquiry and a promise we will respond no later than XX/XX/XXXX. On XX/XX/XXXX, we spoke to XXXX, Customer Service Supervisor for Dovenmuehle Mortgage, who advised that we had to send a request to XXXX, which we did on that day. On or around XX/XX/XXXX, we received a letter dated XX/XX/XXXX, stating that our Private Mortgage Insurance has been terminated. To date, we are still awaiting a response to recast our loan and have had to pay the Dovenmuehle Mortgage interest for the full amount costing us approximately {$900.00} in monthly interest when it should have been approximately {$330.00} per month and declining, as we would like to apply {$150000.00} towards the {$280000.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am writing to report possible illegal and deceptive practices related to my Capital One XXXX XXXX XXXX store card. I attempted to use my XXXX XXXX XXXX store card online on XXXX XXXX, XXXX. I received an error message, and contacted the number on the back of my card to make sure my account was in good standing. I was told by the representative the account was in good standing, and I had a credit to the account. I asked the representative if my account number was the same number on the card, and he replied yes. After almost two hours of difficulty placing this order, I called the card company again. I was told by another representative that my card was invalid, and that they had sent me a replacement card, that was returned due to an invalid address approximately two years ago. 

The representative was unable to offer an explanation as to why I was able to use an invalid card for two years both online an in-store without issue or notification from the card company. He was also unable to offer an explanation as to why the card stopped working on this date. I have spoken with the card company- Capital One on numerous occasions regarding this account, most recently on XXXX XXXX, XXXX, and was never notified that there was an issue. I was informed I would have to wait 4 to 6 business days to receive a new card, and I would not be able to complete my purchase that day. 

I then spoke with the representatives supervisor, XXXX, who was also unable to offer an explanation. XXXX informed me that, if I could provide him with my account number, he could give me the number for my new card to complete the purchase. I then gave XXXX my card number, which the representative I spoke with approximately two hours prior confirmed was my account number. XXXX then informed me that this was in invalid account number, and unless I was able to provide him with my account number from my statement, which I did not have, he could not give me my new card number. He advised me to get a copy of my statement online, but then informed me that I could not sign up for access to my online statements without a valid account number, so he could not assist me any further. 

After speaking with XXXX, I attempted to create an online account using my card number as my account number and was able to do so- indicating that my card number is, as the first representative confirmed, a valid account number. 

My account is in good standing and the company is preventing me from accessing it, citing inaccurate and conflicting information from multiple representatives. This also presents a potentially serious security issue- if my card has been invalid for two years, why was I able to use it? If my account number is invalid- why was I able to use it to create an online account? This is negligence. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Experian Information Solutions Inc.
State: TX
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:
its been over 90 days and incorrect information is still being reported on my credit report. I have not heard from Experian, XXXX  or 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 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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 2020-06-30
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: Account information incorrect

Complaint:
There is the wrong information disputed on my credit report. Accounts are reporting in errors

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 2018-06-05
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Good afternoon as always, I make my payments on time XXXX usd,  over a 2.600 loan that I took back on XXXX, XXXX representative told me that I can pay more money in addition to my monthly payment in order to decrease the principal amount, the interest rate is 179 % insane but I agreed, anyway when I make a payment with extra money it never goes to the principal, and when it goes to the principal they take between 10 to 15 days even a month to be reflected in the principal amount, so when is time to make the monthly payment they charge me 179 % over the principal they had to has decreased already because I make an extra payment the last cycle, but I does not, they apply 179 % to the old principal amount, and once I make the payment days after the extra money appears and the principle never goes down. 
I pay XXXX usd every month in addition of that I always pay XXXX or more, supposedly the XXXXusd are interest for XXXX usd with 179 %, logical if I pay XXXX additional the principal should goes down XXXX or even a little be more, but with XXXX never happen you call them and they make up arguments, fees and a bunch of things that you never agreed with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested debt validation from this company in 2019, no valid documentation was provided, nor any payments were made to this company. I also disputed this with all 3 credit bureaus. Debt was not removed from my credit report. This Collection company ( Portfolio Recovery Services is affecting my credit score, as they keep updating the account, which is illegally re-aging my account, which affects when it will naturally fall off my credit report. They are reporting late payments on my account showing a balance, which is also a violation. 

With everything going on with Covid-19, and in general it is very important that my credit report is correct accurate. I recently sent all 3 credit bureaus new dispute letters to start this process over to get this company removed from my credit reports for unethical practices. 

Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: ARVEST BANK GROUP, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Arvest Central Mortgage began servicing my mortgage on my home in XX/XX/XXXX after the purchase of my home. Since that time, I have paid a bi-weekly payment to Arvest of {$1200.00}, with the last {$1200.00} being paid before the XXXX of each month to ensure the monthly payment is not late. Rather than applying my payments each month to the mortgage, Arvest instead applies the payment to " unapplied payments '' or " principal '', depending on their fancy. Each month, I have had to call and remind them the payment is a half payment and the other payment will be paid before the due date. In XX/XX/XXXX, Arvest reported my XX/XX/XXXX payment as late, causing my credit score to drop by 150 points, although they had received a full month 's payment and simply added the first payment to unapplied funds. 
I reached out to Arvest, the three reporting agencies and indicated there was an error and provided copies of my bank statements to verify the payment of my mortgage in a timely fashion. Despite this, Arvest has refused to update its reporting and has caused me financial harm by erroneously reporting my payment history, and willfully refusing to update it to indicate that it received my mortgage payment in a timely manner. I would greatly appreciate assistance in having my payment history updated to remove this error. 

Thank you, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We enrolled in automatic payments with Macys several years ago. The payments are automatically processed through their system and taken directly out of our checking account. We discovered that Macys was taking our payment out 1 day after the payment dates, and then charging us a {$40.00} late fee every month. We attempted to get them to correct this error and they were only willing to credit back 3 months of the fee. Additionally, they did not take out automatic payments for two months, they can not explain why this happened, but they reported it on our credit report as being 60 days late, then magically started taking automatic payments out again. They have refused to correct this on our credit report saying it was our error, yet they are not able to provide us with anything that shows why the automatic payments stopped.

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 2017-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Credit report shows presence of derogatory public record or collection, but am not aware of any. Also, shows a recent missed payment which I am also not aware of. I have tried calling but were not able to help me. This is found on credit reporter TransUnion. I also did notice a total amount of 14 hard inquiries which is much more than I remember. I believe car dealership checked loans with other banks without my consent. Please help, as I was not aware of any of these things. I am employed and a student. Thank you very much for the time.

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 2020-06-05
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My unemployment insurance card was stolen out of my mailbox and I have tried and tried to get in touch with the the benefits issuer but non luck. I was supposed to have 2 deposits each {$1400.00} in which equal to {$2800.00} which was unauthorized card use. I cant order a replacement card even though my card is stolen and not in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX XXXX open account Amount of debt : XXXX Account number : XXXX XXXX account I made several attempts to clarify to the company once I received the notices of missing payments that I did not own the account. They would simply transfer the account to a debt collection company. The account is currently with portfolio recovery and they sent a lawsuit in regards to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a XXXX in XX/XX/2016for the account XXXX with Wells Fargo. The identifiable code listed states that collection will discontinue and the account cancelled from the creditor. I was contacted by Wells Fargo on XX/XX/XXXX and informed that they would not sell the account and would cease all collection activity. I am in the process of purchasing a home and due to the balance listed on the account it is making my process extremely difficult.

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 2018-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. I have over 13 inquiries below on my credit report in which I didn't give anyone permission to pull my
credit report. Also, my real name is XXXX XXXX XXXX I need XXXX, XXXX, and Transunion to investigate with each company. To make sure they have a signed document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report. 

Also. I like to inform you that there are judgment and civil judgment on my credit report in which I have never done any business with the company that placed the judgment on my credit report. I like for the two credit bureaus to provide documentation that proves I have done any business with the company who placed the Judgement on my credit report and civil Judgement on my credit report. 
Finally, there is an address XXXX XXXX XXXX, XXXX, PA XXXX. I have never lived at this address I only lived in Texas only. Then there are jobs on my credit report that I have not worked at because I have been in business since 2004. I am the XXXX  of XXXX XXXX XXXX  and XXXX XXXX of XXXX XXXX   XXXX XXXX XXXX. 
I am going to provide two different copies of my credit report so, XXXX, XXXX, and TransUnion can review both reports. 

The companies below did not have the right too pull my credit. 

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 explanation
Consumer complaint received 2020-12-01
Company: Arivo Acceptance, LLC
State: WA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXXOn XXXX XXXXXX/XX/XXXX ARIVO ACCEPTANCE LLC add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation