BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2018 I noticed a credit card taken off my credit report. I also noticed that the same card that has been taken off my report without my consent is also reporting to all three credit bureaus but, they removed it without knowledge to why there affecting my credit. I have been paying all my credit and it is still below 550 on report although 1 account would not lower my score to that point of a drastic change. I am also have been compromised with emails, and it seems that someone is using or interfering with my identity for some apparent reason. The past 90 days my credit has been paid timely and the banks state there being told to lower my score based on my credit scores that I believe is being compromised deliberately through this computerized system that is able to do fraud acts to consumers since this breach of identity with the credit bureau who was compromised all my scores are below and my cards are being removed even thorough this would have helped my score it seems someone is affecting my credit score to prevent me from moving forward. I would like an investigation. I have six credit cards and one was taken off without no explanation and no one seems to have any idea to why it was deliberately moved. That would change my scores and all the banks have lowered all my credit cards based on whatever is going on.

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 2019-02-26
Company: Comerica
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
A thief has intruded on my XXXX XXXX card twice and stole out of both times, second time recognized me at a store after he had charges filed for stealing my card then the money off card ilived on XXXX XXXX in XXXX indiana XXXX area wen card then was changed to another addy then funds were removed. inever knew about fraud thru alerts or anything till i called to find out where disabilities monies didnt get placex on card on day was supposed to be deposited. Come to find out they tried to gather and change all my mailing info and then passwords. This was possible as they stole mine and spouses id 's and social sec cards and birth certificates. The only thing didnt have was pin numbers. But as the theft happened the second month i found out the pin was somehow bypassed. XXXX   XXXX tho has police report from XXXX district of the Impd fraud unit. XXXX   XXXX took longer then the 90 days allotted and then wen i called quickly sent letter after my inquiry that no fraud took place to avoid admitting they had no security that a person intruded and changed my account. They never investigated and then i lost home and bills sky rocketed as i cldnt pay bills like i did every month. I never got my money back so basically they robbed me a third and fourth times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Eagle Accounts Group, Inc.
State: TN
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:
Child support back pay reported as dilequent and not paid. I have been paying on my back pay child support since the parenting plan signed XX/XX/2017. I owed {$4300.00}, Ive paid {$100.00} a month per papers and it is reported I haven't paid and deliquent. I need the information corrected and reported on time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
In an effort to get out of debt and improve my credit score, I did a cash out refinance on my home and used the cash to pay down 3 credit cards. On XX/XX/2019, I made a payment of {$9000.00} to my Bank of America credit card. This left me with a remaining balance of {$3200.00}. On XX/XX/2019, I received an alert email from Bank of America stating that they had decreased my credit limit from {$12000.00} to {$3400.00} effective immediately. No notice or specific explanation. They did manage to tell me that any purchases I recently made or automatic debits may not process and would be returned. This effort to improve my credit score is now futile because this decrease in my credit limit will negatively impact my credit score and my utilization ratio. Immediately after receiving the alert email I called Bank of America and was told that the only department that could make any changes, was in a " back office '' and not accessible to the staff. Only a shady business would say such a thing and treat their customers this way. 
On XX/XX/2019 I received another email from B of A. This one informing me that my statement was available and I had a payment due of {$120.00} and my credit card balance was now {$3300.00}!!! I had made no purchases. I decided to print 2 of my credit card statements. The statement before my {$9000.00} payment and the one after. As per the Credit Card Accountability, Responsibility and Disclosure Act of 2009, my payment was was not allocated as required by law. They did NOT pay off the highest interest rate balances on my card first ( Bank Cash Advances at 21.49 % ) As a matter of fact, they paid very little toward the Bank Cash Advances. They applied the largest portion of my  payment toward my Purchases at 8.49 %. So I am still being charged 21.49 % on a large portion of my remaining balance. This added an extra {$43.00} to my balance due. They are violating the law and think they are untouchable. Apparently being sued by the government for prior violations has not deterred them.

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 2023-02-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I went to a car dealership and i was told they were only going to pull from their in house which was XXXX dealership. But they did not. These listed below were unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
they suspended account without en explanation. I tried call them I cant get brought. when I get through and tell them to get my balance from the account. they hang up. my disputed charges were declined without en explanation. my internet access has been closed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This all has too do with Equifax website ( myequifax ). I have tried too use this website since XXXX XXXX with no results. I have contacted Equifax about this problem many, many times and they don't know or care how too fix the problem. Anyhow, when I try too log in too Myequifax site, it will not allow me too log in and keeps coming up with a message that says they are temporarily unable too complete this request, please try again later. I finally had too file a complaint with XXXX  back in XXXX XXXX and still have not received any help on this issue. Now, I have the same problem with their site ( Lock & Alert ).  They finally had a guy call while I was in the hospital that left a message on the aswering machine that he was showing several errors on these websites and too call him and he could help get this corrected. Well, after many months of the same problem, I called him ( XXXX XXXX or XXXX ) on XXXX XXXX XXXX too get some answers and he said he would get back too me the same day or at least the next day and never heard a thing from him. He also suggested that I lift my freeze for good and just lock my report with the product I have with Equifax that I pay for. He says that is the same as having a freeze which is not correct.. I repeated that I need this website too work when I want too lift a freeze and I want these so called errors corrected. I even tried resetting the password even though I had the right one and it said it sent me directions too my email but never received anything in my email. I have even tried different browsers too see if the website would work but the same thing. Sorry, but I am so fed up with Equifax on this subject because they don't seem too care at all and one more problem I have is them is calling me and not being able too understand them enough because they can not speak good English.  Like I said before, I want this website ( Myequifax ) too work like it should work just in case I need too lift my freeze in the future. I do have a pin # too lift it using the automated system but want this website too work as it was intended, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
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: Account status incorrect

Complaint:
I checked my credit report and there is a collection that is still reporting on my credit when it should have been deleted. XX/XX/XXXXalready deleted the collection account. Therefore it should be deleted also by TransUnion andXX/XX/XXXXThis is really affecting my life negatively, due to COVID-19 I lost my apartment, and im unable to get a another one because of this collection account that is supposed to be deleted. I am begging you please to solve this situation. I am really struggling at this moment. I am a very responsible person, I have a 100 % payment history. This collection is literally ruining my life along with COVID-19.

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 2019-02-26
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
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 took out a Home Equity Loan from First Citizens Bank, XXXX, SC XXXX on XX/XX/XXXX in the amount of {$43000.00}. Payments were made on time from XX/XX/XXXX thru XX/XX/XXXX. No payments were made from XX/XX/XXXX thru XX/XX/XXXX. First Citizens charged off the loan on XX/XX/XXXX. 

On XX/XX/XXXX, I received a notice from Mr. XXXX XXXX XXXX, XXXX, Attorney for First Citizens. He stated, that pursuant to the South Carolina Supreme Court Administrative Order XXXX, I had the legal right to be considered for Foreclosure Intervention, which included a loan modification. See attached file ( # 1 Right to Intervention XXXX ). 

On XX/XX/XXXX, I wrote Mr. XXXX, stating that I would like to discuss a loan modification See attached file ( # 2 My Request for Intervention XXXX ). Subsequently, I received a phone call from First Citizens. After some discussion, the First Citizens representative agreed to the loan modification, providing I repay all past due amounts, agree to a new payment schedule, and sign a Confession of Judgement. See attached file ( # 3 Judgement by Confession XXXX ). I was also told that the executed Judgement would serve as the modification document. I further agreed to have First Citizen draft payments against my bank account on a monthly basis. All payments have been made on time and as agreed from XX/XX/XXXX thru XX/XX/XXXX. See attached file ( # 4 First Citizens Statement XXXX ). 

Under the Modification Agreement, once the past due amounts were paid, all subsequent payments were to be applied to Principal only. In the Spring of XXXX, I discovered that First Citizens had charged {$2100.00} of my principal payments to interest. First Citizens agreed this was the case See attached file ( # 5 First Citizens letter XXXX ). First Citizen has  never updated their records to correct their error. 

XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-02
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Master Card with Apple but the credit card is issued by Goldman Sachs Bank, the bank have been charging me excessive interest charges ; example, I received in my XXXXe a notification to make a payment to avoid extra charges for XXXX so I made an initial payment of {$500.00} in XX/XX/XXXX and so I kept getting messages of the same thing so I made another payment of {$200.00} on the XXXX  of XXXX and the bank still charged me {$120.00} in interest charges and this is not the first time, this is been going on since I got the credit card. No matter how much I pay to avoid interest charges, the bank still charges me with more interest charges and it is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Professional Recovery Consultants, Inc.
State: NJ
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:
To whom it may concern ; I have been receiving calls and now a threatening collection letter to collect a debt or it will be reported to the credit bureaus. I have contacted the original creditor via email to inform them of the calls and that the address on file for me was incorrect. Therefore, I was not receiving the bill. I have since made a payment of {$100.00} on XX/XX/2020 of the {$290.00} balance using my Health Savings Account card. XX/XX/2020 is when I received the first call. However, I must halt future payments due to the pandemic. I informed them additional payments will be made when I resume working. I then started to receive the collection letters. I received one dated XX/XX/2020 which still shows the full balance of {$290.00}. 

Any assistance will be greatly appreciated. I have provided the collection agencies information and the email I sent to the original creditor, XXXX. 

Regards, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NXXXX XXXX XXXX XXXX XXXX # XXXX Professional Recovery Consultants XXXX XXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Original Creditor XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, CT XXXX Email I submitted to the Original Creditor : XXXX on XX/XX/2020 Today I received a call from a collection agency. I was not able to make out the company name but it was regarding a bill. Apparently the address on file is an old one and therefore I was not receiving any bill and my bill was sent to collections. 

I was able to go on your website and make a payment of {$100.00} today toward the {$290.00} balance using my HSA card. However, I will not be able to make any further payments until I return to work. 

Due to the COVID-19 companies such as yourself are suppose to have compassion on the out of work/unemployed/furloughed and or terminated employees and suspend collections and payments due until after the pandemic. Without having income should my bill go into collection during this time? Especially being that the bill has been going to the incorrect address? 

I would appreciate it if my bill was retracted from the collection company it was sent to because the bill is being sent to an old address and a partial payment has been made. 

Feel free to contact me via email, mail or by telephone. 

Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I break down my monthly mortgage payment into 4 weekly amount to satisfy the monthly requirement by the XXXX monthly. PHH does not apply my payments as they are received, they put them into a suspense status or apply the amount to the principal. I have written to them several times in addition to calling them regarding the correct posting of my payments. It doesn't help. I am disputing 2 late charges with them again for XX/XX/XXXX & XX/XX/XXXX payments. PHH reported me late on XX/XX/XXXX. All final funds due ( {$1100.00} ) were paid by Monday XX/XX/XXXX, which was the next business day as the XXXX fell on a Sunday. PHH again reported me late XX/XX/XXXX when the XXXX payment was paid in full by XX/XX/XXXX. Payments were sent as follows XX/XX/XXXX {$700.00} XX/XX/XXXX {$700.00} XXXX {$700.00} XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
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: Information is missing that should be on the report

Complaint:
I had identity theft and XXXX XXXX XXXX  closed my account. Once I proved the identity theft XXXX XXXX XXXX  reopened my account XXXX XXXX took this account off the " Closed Account '' list but never restored it to my credit file as an active account. If they restore this account it would automatically increase my credit limit and lower the percentage of credit usage which would dramatically improve my credit score. They obviously are not in the business of improving consumers credit, they exist to lower our score and make it difficult to maintain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I sent letters to the credit bureaus regarding inaccurate & unknown things that I have on my credit report. It's been two month today & I still can see those innacurate & unknown things on my credit report which means they didn't do anything about my problem. It is plainly stated in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been 60 days today so they should be deleted immediately. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased my vehicle on XXXX XXXX which was financed through SunTrust bank. I had requested to have a pushback on payment twice which added an additional four months on my 72 months to 76 months. I did not know that they sold SunTrust to Truist at anytime during the XXXX or XXXX until I started calling regarding my account. If my account began with the first payment on XXXX why would they say that it matured on XXXX and the four additional months bought it to XX/XX/XXXX? If my loan matured in XX/XX/XXXX my additional four payments would have bought me in to XXXX. They would say that my loan had matured that there were no more monthly payments even though I was still making my {$420.00} online payment to them. I called over twelve times and every time I got a run around with no answers as to why I had a balance of XXXX. I knew that I had that balance for I received an email on from Suntrust stating that amount. Emails were sent to them, phone calls and no one ever answered to as to why this amount. I feel that in the transfer of sales from SunTrust to Truist they never did the right thing in posting payments and that there was an error somewhere in my account on their behalf. I have paid off my account and never ever received an answer to all the extra money which I believe that I should be refunded for my payments were made online every month and in adding the dollar amount it does not come up to the payoff even if I add extra for late payment which is no where near the amount. I would receive phone calls about my balance owing but no phone call as to an explanation. No one has no clue as to why.

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 2020-05-27
Company: Bread Financial 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: Account information incorrect

Complaint:
I received a XXXX XXXX credit card in XXXX of 2011 when purchasing a toaster oven online and returned the oven when it malfunctioned for a full refund. Instead the credit card statement showed a balance due of {$5.00}. I wrote the bank - Comenity of Ohio the issuer of the card about this but they refused to do anything. Over time the balance grew to {$44.00}. 
Comenity reports this account delinquent and my credit report is now bad. Several bank card companies have reduced their credit lines to me referencing this delinquency. 
Last month Comenity sent a letter saying that as I have a " good payment history '' they forgave {$30.00} of the amount shown past due. My current statement now shows a balance due of {$15.00}. Thus over five months the incorrect {$5.00} has increased by {$10.00} all of which is the $ XXXX monthly minimum interest fee times 5!

Company response to consumer: Closed with monetary relief