BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
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: Public record information inaccurate

Complaint:
there are several inaccurate items on my credit report including bankruptcy which i have a letter from the courts stating they did not provide this information please assisit me in having this removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Synovus Bank
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i have disputed this account and they haven't been able to verify the debt is mine and they are reporting this inaccurate and unverified debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX I filed disputes with the credit reporting agencies and every time they have failed to show me how they are investigating my disputes.

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 2019-02-09
Company: EQUIFAX, INC.
State: IN
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 Please Note : CFPB Complaint XXXX I did not request an investigation nor dispute. I asked you who updated and verified this account, specifically " Who the XXXX, is making these inaccurate changes? ". 

Do not start another dispute, this would be the fifth dispute and would be the fifth time you failed and lied about verifying the accuracy of this account. 

Either provide a method of verification as requested now for the 3rd time or remove this account. XXXX XXXX does not count as verification. 

I'm done playing this game, either you or XXXX XXXX has been falsifying information on my credit report which i take seriously and which has been a detriment to me. If the CFPB or FTC refuses to do anything i will seek restitution and resolution under FCRA through the courts. This account needs to be removed immediately. Ive documented every form and occurrence of communication with you. Once i start litigation there will be no settling outside of court or dropping. If i start this process it will go full course and what i am asking to do now, which is remove this account, you will have to remove and pay me for not removing it sooner. No games, no threats, just tired of this bs. Remove this account now!!! 

As well i will file a complaint with the FTC, State attorney generals office, XXXX   until time comes for me to see you in court. You have until XX/XX/2019 to remove this account from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Chase card company regarding an XXXX account. I am sure I am not the only person being frauded against. I ordered a book which was somehow placed on a credit card. Only {$50.00} was placed n the card. I returned the book And was only given {$30.00} credit. I did not want the credit card. Returning the item unopened should have resolved the issue. It did not. I ended up months later with a bill up to {$400.00}. How is it I returned the item unopened. And continued to be charged. I want it off my credit. And will work on seeking legal action if need. I have tried to communicate with the company but have been refused to find a solution. I want this off my credit. I don't owe them anything. I told them I didn't want the card. I have one secured card with my bank. That's all I want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-09
Company: TD BANK US HOLDING COMPANY
State: OR
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 XX/XX/2018 I applied for an Ally Bank credit card. On XX/XX/2018 XXXX XXXX accessed my XXXX credit bureau report. 

Subsequently XXXX XXXX sent me a letter purporting to be an Adverse Action / ECOA Notice. This notice, required by law, must describe the real and actually reasons why my application was denied. Instead, Ally Bank subtitled untruthful, fraudulent reasons. 

XXXX XXXX simply regurgitated word for word the four factors that FICO Score uses when describing why one 's credit score is not higher than it actually is. 

For example, FICO stated my credit score was only XXXX because : Lack of recent installment loan information XXXX XXXX stated my application was denied because : Lack of recent installment loan information XXXX XXXX 's actions do not comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: U.S. BANCORP
State: WA
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 have had a US Bank account, of some kind, for more than 40 years. I have been satisfied with their service, until I received a deceptive offer to apply for a credit line limit increase. 

A couple weeks ago, I received a pre-approved credit line increase and was provided a special pre-approval code. My credit score, according to US Bank last week, is XXXX and remains unchanged. 

After deceptively enticing me to apply for this pre-approved offer, US Bank did a hard pull of my credit and then declined the pre-approved offer, even though my credit score remained unchanged at XXXX. 

Now, my credit score has, in fact, been damaged by US Banks intentional deception. This review has been submitted to the CFPB, the XXXX, and the Washington State Attorney General Office.

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 2019-03-18
Company: Halsted Financial Services, LLC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received phone calls from Hastled Financial Services LLC with different numbers and area codes. They calim I owe some debt from XXXX XXXX. I have explained to them this isn't my debt. I have never done business with XXXX. I have told them each time they call that I need them to send me information via mail so I can legally let them know I'm disputing this debt as it isn't mine. Each time I ask them to do this they tell me they can't, they claim they have already sent notice, which isn't true. 
I take great care of my credit and I'm afraid they will report this debt on my credit without allowing me to legally dispute the vadility of this debt. They call numerous times throughout the day using different numbers, each time I ask them the same thing. 

The debt collector information is : Hastled Financial Services LLC ph XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: National Credit Systems,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 belongs to someone else

Complaint:
I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

I XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX  XXXX, MN XXXX Account # : XXXX NATLCRSYS National Credit Systems , Inc.. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: EQUIFAX, INC.
State: FL
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 recently filed a dispute with XXXX  because there is an istallment loan reported on my credit report for a vehicle from XXXX XXXX XXXX that I never recieved if you read the dates on the loan and call XXXX XXXX XXXX they will tell you that the deal was never funded because the dealer was trying to sell me a vehicle that was wrecked and damage I went ahead and cancel the transaction so the dealer is reporting to the credit beuraus as paid by dealer and because of this my credit score is extremely low affecting me getting a job, a house or any future funding the XXXX  report number is XXXX please help me get this item removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get this fixed along with other issues with this company. One issue is they first said I was pass due on my Loan. This has been fixed they misapplied a payment. Now I am dealing with the Escrow Account for my Property taxes. The Yearly Tax is {$2700.00} paid in two payments of {$1300.00} during the year. They have Twice this amount in Escrow I want a refund of the overage. They say I have to wait until XXXX when they do their audit. Meanwhile they are still taking money out for the escrow. I should not have to wait for them they have over charged me already. I can not talk to them directly they only take correspondence and take 30 days to reply. Under your section 1024.17 this is not right. 

Can you Help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Patrick Scanlon P.A.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have had judgement against me thru attorney Patrick Scanlon. I have made several attempts to contact his office for assistance. I had completed their financial/income papers and had asking to be able to make a payment arrangement each month and no response was ever received. Recently I have made several attempts to contact his office thru their online portal email site. I received a settlement offer later datedXX/XX/XXXX stating they would accept {$1200.00} to show the judgement as paid in full. The letter states that I have until XX/XX/XXXX to pay in full and accept their offer. I emailed their office on XX/XX/XXXX to let them know that I was borrowing funds and would be accepting their settlement. Several days later I received notification that they have now attached my wages for the full amount. Why would I be sent a settlement letter if they were garnishing my wages? Their letter advises me that it may be worth my while to borrow the funds, which I have now done and then had my income seriously diminished. Why would they have ever sent me a letter recommending me to take a loan while knowing that they were already having my wages garnished. I have been trying to work them to make arrangements, and receive no responses to my emails. I specifically sent them an email to let them know that I was planning on accepting their settlement and when they could expect to receive the funds. Now I am stuck with a loan that I wouldn't have needed to take out, with a very high interest rate, and an inquiry when they knew all along they were going to garnish my wages. This does not feel right. I am aware that I owe the funds which Is why I have been trying to reach out to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Simon's Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Simons Agency Inc reports on my credit report that I have two accounts one for {$130.00} and another for {$200.00}. Both accounts opened on XX/XX/2018. Nevertheless, I've never received any correspondence form the agency. 

I have not received any service from XXXX XXXX XXXX anytime on the date open or anytime during the year of XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: U.S. BANCORP
State: NY
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:
I called to close this account, XXXX XXXX XXXX, and I got a letter in the mail stating that any automatic charges may be accepted and billed. I had a fraudulent charge ( only {$9.00} ), but thats why I closed it and should any more false charges happen they seem to think its my responsibility. CLOSED should mean CLOSED. This is simply a nasty way for a credit card company to potentially make more money on interest, and billing me. Simply not acceptable

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 2019-02-09
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: Personal information incorrect

Complaint:
I've disputed Experian reporting a bankruptcy on my credit report in 2015. I've informed them to send me information confirming such bankruptcy but to no avail. They only respond by stating the information in accurate. I've contacted NJ Bankruptcy and they indicated they have no record of a XXXX XXXX filing a bankruptcy in 2015. 

When you check the bankruptcy courts public information, the recording mentions nothing about a XXXX XXXX. The information mentions the name of a person who fraudently used my SS # and this information has been filed under identity theft and forward to Experian who still continue to report false and inaccurate information on my credit report. 

Your agency submitted a previous complaint and Experian responded stating they needed more time and I should have the information within the next 60 days. It has now been over the 60 days and they still have not responded and continue to report inaccurate information on my report.

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 2018-07-09
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/XXXX this company made repeated call before XXXX XXXX to my phone after I made several attempts for this company to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company has been harassing me for over 4 years. Im not sure where the original debt came from, but they have called me 3-4 times a week since XX/XX/XXXX, as late as XXXX. They have harassed me for so long I had to delete my cell phone number that I had for 14 years. The debt collect is Wakefield and Associates. The charges are as followes. 
Principal interest date XXXX {$170.00} XX/XX/XXXX XXXX {$330.00} XX/XX/XXXX XXXX {$1700.00} XX/XX/XXXX XXXX {$330.00} XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX The original totals are almost HALF of the requested amount. I have Heath insurance ... this company has harassed me into a depressive state over a few dollars. My girlfriend left me over the XXXX and XXXX of this company calling me every day. After I deleted my phone number they used my girlfriend tax return to get her phone number and hurrassed her, saying that I would be thrown in jail, and she would be charged for protecting my identity from these evil maniacs! How is it legal to double the amount owed! Call me every day! Contact my MOTHER about this debt?! Are you kidding me?!!!! Im at a loss ; im furious, I feel cheated, I dont know my rights, but this is abuse. Theyve threatened jail time, legal litigation, and to come after my home, car, job, and personal effects.

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 2019-02-09
Company: Lotane & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have a case against me for a past medical bill, total amount was {$5000.00}, now its {$4700.00}. 
I have been able to make payments. I have want to get this taken care of. 
Since XX/XX/2018, i have had some issues like : change in job position -- which i make less money now, death in the family & some health issues. I have not fell behind on purpose. I received paperwork not negotiating but ordering me to pay a certain amount on a certain date & I thought if i didn't do that, I would be in bigger trouble. 
So some issues recently forced me to fall behind & now they want my personal finance info. 
case # they gave me -- case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I previously filed a complaint against TransUnion credit bureau. The complaint was not handled. The company is legally and federally liable for accuracy of the reporting information, including score. It is by law. They can not arbitrarily choose a score that is low with no specific reason as to why it is low. That is a violation of the FCRA. Please open the complaint again and pursue it.

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 2019-02-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Select Portfolio Servicing ( SPS ) from XXXX on XX/XX/XXXX. When my loan was transferred, there were a lot of problems regarding the interest rate coupled with monies SPS suggested I owed, however SPS has yet to provide documentation for the amounts in question. 

I contacted Select Portfolio Servicing shortly after my loan was transferred and adv. that my interest rate was incorrect. XXXX offered a rewards program ( XXXX XXXX XXXX XXXX ). Details below. 

XXXX XXXX XXXX XXXX program provides you with the opportunity to lower your interest rate. After a customer makes 12 consecutive months of on-time payments, the interest rate is reduced by one quarter of one percent ( .25 % ) each year. This rate reduction is available up to 12 times, which means that a customer can achieve up to a 3 percent rate reduction in a minimum of 12 years. This program applies only to closed-end real estate loans. The rate reduction is disclosed in your loan agreement ( not including all states and for all loan programs ). 

I made timely payments for the first 2 years thereby my interest rate should have been reduced from 11.2 % to 10.7 %. 

I submitted a copy of the XXXX loan documentation to SPS. Although SPS has yet to provide documentation regarding the outstanding amounts, it was suggested that the interest rate inquiry was resolved. 

While speaking with a representative on XX/XX/XXXX, she suggested that the effective interest rate on my account was 11.20 %. This was extremely disheartening. 

Indubitably, I am writing to file a formal grievance against SPS for not honoring the terms and conditions of my mortgage contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Took out student loan for my daughter on XX/XX/XXXX ; total loan was {$88000.00}. I lost my job in XXXX and was out of work all of XXXX. I returned to work in XXXX at a greatly reduced income. In XXXX I requested payment options but was only offered forberances to the point the loan amount due doubled, {$170000.00}. Only then was I offered a monthly payment which totaled over {$1500.00} month. I am now again unemployed and as of XX/XX/XXXX am being threatened with legal and garnishments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested a paper verification through the USPS because there are 3 debts on my credit report that I know nothing about. I never received the verification. I then contacted the company to request the verification verbally. 3 different reps stated that they would not send out another verification because company policy is that if the first verification sent out is returned to sender they will not send out another one. I advised her she could fax or email me the verification as well. She said they will not. I attemped to do a pay for delete so that way I can just get it off of my credit and they will not do that either. I need verification that they will not send to me. I advised I did not know about the debt and that I could not have signed anything since I don't live in NC. I haven't lived in NC since 2014. They will not send me out verification.

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