BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have closed accounts on my credit report from more than 7 years that the credit bureaus will not remove. I also have credit accounts on my credit report originating XXXX even though I was born in XXXX. 

XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXXXXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11
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: Old information reappears or never goes away

Complaint:
I have closed accounts on my credit report from more than 7 years that the credit bureaus will not remove. I also have credit accounts on my credit report originating XXXX even though I was born in 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 2022-04-07
Company: U.S. BANCORP
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:
I've been a victim of fraudulent activity on my credit account that happened to be opening a fraud accounts under my name that doesn't belong to me. 
Date Fraud Began : XX/XX/2021 Amount : {$9200.00}

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 2021-10-13
Company: SYNCHRONY FINANCIAL
State: MI
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 Thursday evening I bought a mini bike from XXXX  XXXX  XXXX  XXXX  in XXXX, michigan. I applied for a credit card was approved for {$1000.00}. I denied the 24 month no interest deal. This deal was {$100.00} to pay 0 % interest for 24 months. I did not want that. I wanted the basic deal of 12 month 0 % interest. So I was charged right from the beginning a {$100.00} fee for my mysychrony account credit card. This is still showing on my balance. I returned to the store and told them I wanted to keep my utilization rate under 30 % so I make a {$760.00} payment. Now my credit score has dropped over 100 points because it is showing a double charge on my account.

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 2022-04-07
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I previously requested from the mortgage Servicer PHH Mortgage Services a complete escrow analysis and the servicer has not provided me the requested analysis and as to why my mortgage payments are increasing. I contacted the XXXX County Assessor 's office and was informed that the assessment on my property has not increased I then contacted my insurance company and they indicated that my policy had no increases. I sent a Qualified Written Request requesting a complete escrow analysis and the servicer has refused to provide me the reason for the increase on my mortgage payment. To this date the PHH Mortgage Services has not complied with my request dated XX/XX/2022 Titled Qualified Written Request for Information & property tax escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: FIRST PORTFOLIO SERVICING INC
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX I graduated from XXXX XXXX XXXX. During my time there I instructed the bursar I was not at all interested in private student loans, only federal, and the only loan documents I physically signed aligned with that fact. I never signed any form requesting private loans for my education at any time. 

Starting in XXXX, I start receiving notices from Activate Financial about an outstanding loan from FA Peaks that has been accruing late fees and interest over the course of two years after the forbearance time ended after my graduation, with no prior notice of debt due. I never heard from this company nor any other regarding private loan debt until the purported loan had already accrued a healthy proportion of the initial principal in fees. I understand I have 30 days after the notice of a debt to dispute the validity of it, but how can I dispute it if the notice doesn't come until two years after the forbearance window? This is clearly fraud on the part of XXXX, a charge specifically for which it was shut down permanently, and Activate Financial is attempting to collect a fraudulent debt. 

Activate Financial nor FA Peaks can reproduce any evidence with my signature of anything I signed permitting this loan. Activate Financial will respond to this complaint only with a collection notice, included here, and a form letter indicating a debt is due as their only defense, which is both lazy and indicative of their dishonesty. This is a bad debt that they continue to pursue in bad faith, and has crippled my credit worthiness for too many years. Please do not let them merely send a form letter indicating this is my debt to close out this complaint, as that will be their only response because they know they can't support their claim with any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Experian Information Solutions Inc.
State: ID
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:
XXXX sold my loan to XXXX who sold to XXXX. BK was filed w/ XXXX so should never have sold. Experian is reporting it as a foreclosure and not bankruptcy status ( see attachments ).

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 2022-04-07
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
The North Carolina State Employee 's Credit Union is adding a forced arbitration agreement to their terms of use, which covers many of the banks services, including online banking. The letter notifying us of this addendum to their terms of use included information about the possibility of opting out. 

Upon contacting them about the opt-out process, they informed me that I must write my own opt-out notice, and mail it XXXX XXXX  XXXX XXXX XXXX Per Statute 1016.7 of the CFPB, this requirement is unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX repossessed my car. The company is reporting incorrect and inaccurate account information to all three credit bureau. I never received a letter stating the company was coming to get the vehicle. I was only late 30 days before XXXX repo the car. On my credit report it shows that the car was repossessed in XXXX which is not true I was in the hospital with XXXX at the end of XX/XX/2021 my car was already gone. My car was repossessed on XX/XX/2021 for being 30 days late. 

the are reporting XXXX different account number for the car loan. XXXX account shows the repo and the other account shows the balance after the car was sold. 

account number ending w XXXX is showing {$1800.00} account number ending w XXXX is showing {$17.00} and is saying unsecured for a car auto. This is inaccurate both account number belong to the car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a Citi XXXX XXXX XXXX XXXX XXXX credit card in XXXX, XXXX. The credit card terms indicated a {$650.00} phone offer for a {$2000.00} purchase using the XXXX XXXX XXXX credit card in the first XXXX months ( screenshot attached ). I did make {$2000.00} in the first XXXX months ( also attached ), and the phone offer showed up at the bottom of my account summary page as " Take advantage of your XXXX XXXX XXXX XXXX XXXX XXXX Offer ''. But recently when I looked at my account I could not find the Phone offer anymore. 

I contacted Citi customer service and they claimed that in their disclosure it stated that transfer balance, account fee would not be counted as a part of spending, which made my " valid spending '' {$1900.00}, and refuse to credit the reward to me. 

I got really confused. Clearly, the threshold would have been met if the membership fee was counted. Their advertisement was misleading in a way that hided significant information. The lacked clear definition of consumption, therefore, misled me.

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 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).

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 2022-03-16
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This is documents for bankruptcy for the car loan, That Credit Acceptance day I owe .The car loan its in XXXX.Calvin XXXX got approved for car loan not me he has it in bankruptcy as we seek. 
It need to be remove off my XXXX  credit not my debt. 
Remove it now.

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 2022-04-07
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2017-10-02
Company: Williams & Fudge, Inc
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Thursday XX/XX/XXXX, I contacted Williams and Fudge in response to a letter I received for my outstanding loan with XXXX University. I spoke with an agent and explained that I could maybe pay {$10.00} per month at which point she offered a settlement for 50 % .The representative called my cellphone on XX/XX/XXXX and my brother answered the phone. My brother stated that he was me but the representative did not do anything to verify this was true other than feed my date of birth and ask for conformation. I believe this is a violation of 3rd party disclosure. I called back and spoke with a supervisor to explain my issues. I was told that I could not settle my account and re enroll. I would need to pay the balance. At that point I explained that I wanted to look at my options to to their violations as well as to see if my loan may have  been affected by the recent lawsuit against the University. I also explained that I am a former member of the military experiencing a hardship but I would refrain from file a complaint against the agency as well as the University if they would accept my offer. He accused me of black mail and said " as a member of the military, you are saying this on a recorded line? '' This statement was made in effort to intimidate me into not filing my complaints as the representative had preconceived notions that I was making false claims in order to get my offer approved. My right to investigate a dispute and well as my right to privacy is protected under the FDCPA. Further more this representative proceeded to over talk me duding most of the conversation. I explained that I am a customer and he should n't speak to me this way. He stated that I am not a customer of the agency. My belief is that although that may be true, they are an extension of the University who needs to treat the customer the same as the University would. I was also told that my offer is ridiculous in his professional opinion. Nobody who has served our country and is experiencing a financial hardship should be told their offer is ridiculous, regardless of the opinion of the agent trying to collect. I am appalled that XXXX University would want someone like this acting on their behalf. I will be looking into my legal options regarding third party disclosure violations, false and misleading statements as well as refusal to acknowledge my option to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Specialized Loan Servicing Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
Unbelievable! URGENT! 

Please refer to my previous case # XXXX. This case was resolved and correct by Specialized Loan Services on XX/XX/2019. I received a confirmation letter as proof ( attached ). 
The correct report was correct for about 1 month. Unfortunately as I am at the end of my Closing Process with my Mortgage Company, this error reappeared, yes WOW! 
I made an emergency call to Specialized Loan Service to let them know of the situation. I was connected to XXXX in the Escalation Department who was involved in the resolution of my previous case. She express her apologies and said the she would immediately sent an alert to XXXX that day to correct this before my closing date, XX/XX/2019. A correction of some sort was made by it was INCORRECT! I had to withdraw from the closing process because this error put me back at square one. 
At this point I am demanding that this error is PERMANENTLY FIXED IN THE SPECIALIZED LOAN SERVICE DATABASE and that I am reimburse the appraisal cost {$540.00} and the emotional stress this experienced has caused me.

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 2022-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX XXXX i received an email from Capital one inviting me to apply for a credit card XXXX, XXXX for using XXXX from Capital One. We invite you to apply for our Quicksilver card from Capital One. Once approved, youll enjoy A 0 % intro APR for 15 months on purchases and balance transfers, with a 15.24 % 25.24 % variable APR after that. There is a 3 % fee for amounts transferred within the first 15 months Unlimited 1.5 % cash back on every purchase, every day A {$200.00} one-time cash bonus when you spend {$500.00} on purchases within 3 months of account opening* No annual fee No foreign transaction fees This offer expires XX/XX/2022. Click to Get Details See Application Terms Having trouble viewing your application? Visit our website and use your personal codes to get started. Reservation Number : XXXX Your Access Code : XXXX I was denied on the same day XXXX XXXX XXXX unfortunately we were unable to approve your application at this time. We know youre disappointed. To help you understand why, weve explained the reason for this decision in a letter or email that youll receive within 10 days. 

I received a letter which totally contain the wrong information I believe the reason for denial is " I am a green card holder and not a citizen '' I contacted the company and they told me that there is nothing they can do. ( Letter attached )

Company response to consumer: Closed with explanation