BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-10
Company: Glass Mountain Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was contacted by an unknown number this morning, and when I answered I was informed that whoever was calling was looking for my father. They asked to speak with him but I was given no other information such as who was speaking or where they were calling from. Without knowing who I was speaking to, I did not disclose any information. Rather, I asked the caller to identify herself and after various attempts she finally gave me her name. I then asked her where she was calling from ( as in which company ) and she refused to answer. Instead she kept asking for my father. When I would n't disclose if I knew him or not she hung up on me. At this point I was curious as to who was calling soliciting information about my father so I called the number back and asked where I had called. The representative told me I was calling Glass Mountain Capital. I went online to see what this was and found out that it was a debt collector. 

My issue here is the fact that after various inquiries, the debt collector failed to disclose the fact that she was a debt collector. If I had n't called the number back, I never would have known it was an attempt to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Genesis FS Card Services, Inc.
State: GA
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 have several inquiries on my credit report that I have seen recently, that is negatively affecting my credit rating and scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 have several inquiries on my credit report that I have seen recently, that is negatively affecting my credit rating and scores.

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 2022-08-26
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Please research XXXX. This is the agent that XXXX uses that was giving me false information while my home was going into foreclosure. They continued to give me misleading information about my forbearance situation and told me everything was going to be just fine while going through loss/mitigation. All of my phone calls are recorded at XXXX. It seems as if they intentionally were stalling by giving me false information while not communicating with XXXX. I believe there are probably more victims of this situation. If you can contact me, I am at XXXX or XXXX. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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:
Equifax have significantly decreased my points on my credit file on XX/XX/2022. Their has been no charge to my report what so ever and no new collections nothing. But some how my report was dropped over 27points ( see attachments for a complete view of how its been affected ) I checked the updates and it showed nothing. On XX/XX/2022 I check again and nothing was changed but yet my score went up XXXX points. With no change. At this point I feel as if my credit score is not accurate and has Been inaccurately given out to companies that Ive applied for. It is damaging my reputation and causing me significant loss. I am suffering for no reason. 

I have also made complaints prior to this one stating certain accounts are inaccurate on my credit file as well, and have yet to see relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.

Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws.

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I do not understand why my score went from XXXX to XXXX with Transunion. It has the same exact information XXXX went up to XXXX. This disturbs me because I have paid everything on time and XXXX shows the same information as Transunion so Transunion score should not have gone down. Please, please fix this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TCF NATIONAL BANK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
The loan dept at tcf Bank does not answer the phone. I have tried XXXX to 7 times in the past month with hold times being a minimum of 2 hrs and the longest being 4 hrs at which I eventually hang up because no one will answer the phone. I tried calling the regular tcf bank customer service and after a wait time of 45 minutes someone answered the phone but said could not help me with loan services. I made a {$110000.00} online payment with a balance of {$110000.00}. I got a statement today that tcf bank is continuing to charge me interest at a higher rate.I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I submitted a dispute with Transunion because there was XXXX incorrect item left on my mortgage after a previous dispute and the other credit reporting agencies had recently deleted the file after they failed to fix all the incorrect data.It seemed insignificant but I was told it could cause red flags with the mortgage company underwriters. Instead of fixing the report or deleting this file. This agency re-reported previously removed data that had been verified by the creditor after an investigation by the Executive Response Unit. It did list payments as on time but in the written details it listed the payments as being 120 days late and shows reaffirmation in bankruptcy. I was unable to submit supporting documentation when I filed the dispute as the system would not allow me to submit it for some reason. I did not push the issue because I did not think they could re-report information that they had already verified as incorrect. I figured if the other credit reporting agencies deleted the file then this agency would also. We are losing out on getting a new mortgage and potentially losing a substantial amount of money due to inconsistencies in the data that is reported between the agencies and the time it takes to resolve these issues. 
I have attached the letter frim the creditor outlining numerous mistakes on my account. Most of which the dispute department does n't have or fails to provide to the reporting agencies. The triple report that I used to file the dispute and the recently updated report from Transunion

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 2016-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX made an error in reporting amount owed All XXXX bureaus have not updated the info

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 2022-08-26
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 a 10 day summons from a debt collection company called Outsource Receivables was left at my address for a debt in the amount of {$250.00} owed to XXXX XXXX XXXX of XXXX XXXX  for services received at XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 The full amount of the debt was paid online through the hospital 's insurance company ( XXXX ) website. On XX/XX/2022 I notified Outsource Receivables office that the debt was paid and faxed a receipt of the payment to XXXX XXXX Billing Department per their instructions. Also, a few days later I disputed the debt collection account on my XXXX credit report and uploaded a copy of the receipt in the process to XXXX 's website. Now, the account on my credit report has an updated amount of {$760.00} and says the account is still unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I recently conducted a balance transfer to my new citibank card from XXXX in the amount of XXXX. Since this maxed out my citibank card, it significantly lowered my fico score from XXXX to XXXX. I was floored so I decided to just pay off the citicard in it's entirety to restore my fico score. That apparently did not sit well with Citibank so they took my {$12000.00} plus another {$300.00} balance transfer fee totaling {$12000.00} payment on XX/XX/2020, but will not apply it until XX/XX/2020. The excuse they gave me was that my account was too new so they put a hold on the payment and my money. That's {$12000.00} of my money out of my checking account where I have no access to it and it's hasn't been applied to pay my balance! I should not be punished for deciding to pay off my credit card early. I have reached citibank representatives two times but they refused to provide a satisfactory solution. They also refused to provide the phone number of the citibank executive office so I could submit a complaint. Lastly, I feel that I received disparate treatment because of my XXXX surname since I was given a lower than normal credit limit. I also questioned this, but they said that they could not help until after 6 months. I am very disappointed with the way I've been treated by Citibank.

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 2020-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
Bank of America closed both my accounts while I was current on each card ( Business and Personal ). They continue to charge interest and report to the credit bureaus while not affording me the benefits of having the cards.

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 2022-03-27
Company: U.S. BANCORP
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:
As of the XX/XX/XXXX US Bank credit card statement ( closing date XXXX ) the outstanding balance on this account was {$9800.00}, all from balance transfers currently at 0 % interest with the earliest 0 % to expire as of the XX/XX/XXXX statement. The minimum payment required on this statement was {$99.00}, due by XX/XX/XXXX. There were no outstanding purchase balance as of this statement. 

On XX/XX/XXXX a payment of {$100.00} was made to this account to more than satisfy the minimum payment due of {$99.00}. On XX/XX/XXXX a charge was made to XXXX XXXX and XXXX for {$400.00}. On XX/XX/XXXX a payment in the amount of {$400.00} was made to cover this {$400.00} charge. 

The XXXX credit card statement ( closing date XX/XX/XXXX ) shows the {$100.00} payment, the {$400.00} charge, and the {$400.00} payment on the dates above, but it shows an interest charge of {$3.00} and an outstanding purchase balance to {$400.00}, with {$270.00} of this subject to interest at 14.15 %. 

The XXXX statement shows an additional {$4.00} in interest, with an outstanding purchase balance of {$400.00} and {$400.00} of this still subject to interest at 14.15 %. The XXXX statement shows and additional an additional {$4.00} in interest, with an outstanding purchase balance of {$410.00} and {$400.00} of this still subject to interest at 14.15 %. 

No new purchases have been made since the {$400.00} charge on XX/XX/XXXX, and all minimum monthly payment have been made on time since that date, yet interest keeps being charged and a purchase balance is still showing every month. 

This bank is not following the rule dictated by The Credit Card Accountability, Responsibility and Disclosure Act of XXXX, of applying all payment in excess of the minimum payment XXXX to the portion of the balance at the highest interest rate. 

Thank you, 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 2016-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm XXXX XXXX, Ive been trying to solve this problem going on a year now, since ive filed Bankruptcy XXXX and nothing is cleared off my credit, I filed Chapter XXXX and it was discharge, nothing has been remove from my Credit File, all XXXX Credit Bureau keep transferring my Information to each other,, and I also request that Fraud be remove from my Credit file and it has no happened, I 'm filing this complaint because I 'm getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was in default. I made arrangements with Seterus and applied for an assumption. It was approved, I made payments and then Seterus had my house up for auction and it was sold. I was able to stop the certificate of occupancy in time. Seterus admitted their mistake in court. This was in XX/XX/XXXX. Since then it has been a constant battle to get some sort of payment arrangement made. They keep giving me the run around. Saying this or that was not received. I have proof that all communications were received ( my own fax ) Most recent was a letter dated XXXX XXXX, XXXX saying they were in the process of investigating the issues I had brought up and will contact me. Yesterday ( XXXX/XXXX/XXXX ) I received court papers stating a motion to reset foreclosure sale date! I called Seterus today ( XXXX/XXXX/XXXX ) and was told " It looks like we are still investigating. " No other information. This is but a small example of all their evasive tactics to foreclose on my home ... .Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
On XX/XX/2020, I made a purchase on XXXX totaling {$91.00}. The third party merchant is XXXX XXXX 's. Unfortunately, the merchant is saying the product was delivered to my home address however I never received it. Because I did receive several other packages around the same time, this is likely a case of the shipping provider marking the item as delivered but accidentally left it in their vehicle. 

I initially tried to contact XXXX to work out with them but they refused and told me to file a chargeback with my credit card company ( attachment # 1 ). 

I've tried twice to file a dispute with American Express but they continue to rule against me. 

I DID NOT RECEIVE THE ITEM. The item was either left on the vehicle and mark delivered OR the box was stolen. Either way, I REFUSE to pay for an item I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
False Advertising. 0 % Bait and Switch offer. 

I applied for the XXXX XXXX XXXX card from this promotional offer on the Amex site : 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 It quotes : Intro APR & Plan It Fees 0 % intro APR on purchases and balance transfers for 15 months from the date of account opening, then a variable APR, 16.24 % to 27.24 %. 

I clicked on the Apply Now button on that page, and completed the application. After completing the application I was approved immediately for XXXX in credit. I clicked on the terms after my approval and they no longer included a 0 % APR. Never was I informed during the application process that the offer had changed or that I would not be approved for 0 % intro offer. 

So I called XXXX customer service to verify that I do have the 0 % intro offer. I was told it was not 0 %. After talking with 6 different representatives over 1.5 hours who passed me around, I'm told that that offer doesn't exist. Even though I am looking at it on my screen at the link I enclosed above. 

They told me to call XXXX to see how cancelling this card would effect my credit. XXXX told me it would affect me to keep the card or cancel. 

I do not want this card, but my credit has now been affected by both the inquiry, and also when I cancel. I do not want to be affected by this bait and switch promotion and would like my credit reporting cleared as if I had never applied or cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to have the XXXX XXXX XXXX account removed and have been unsuccessful. The scheduled date of deletion is XXXX XXXX and I would like to request an early exclusion as a courtesy.

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 2022-08-26
Company: General Motors Financial Company, Inc.
State: MI
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation