BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: MO
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

DATES : XX/XX/XXXX & XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: KS
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Macy 's Credit card.
In XXXX 2017, this credit card company was faxed with receipt and mailed a power of attorney ( POA ) to take control of the account away from the primary account holder due to XXXX. My wife and I were given custodial control. Macy 's ignored this and sent a letter stating that the primary account holder had to approve. We had the attorney get involved, and the account was closed. This is after we were hung up on ( disconnected they said ) twice when we told them the attorney was going to get involved if they did not allow the properly executed and filed POA. We again wrote back with the POA and a letter stating to close the account.
We reviewed the account. Over the last year, my mother in law was making the payments the account reps on the phone told her to make to " settle the account ''. these payments were always one to two dollars below the minimum due. Each month, they were hitting her with close to {$100.00} of fees and interest due to giving her the wrong information and misguiding her.
In XX/XX/XXXX, we were given a final settlement amount, and we sent in a check. We then got a letter addressed to the original account holder stating they could not honor the request, and charging a " minimum fee '' of {$2.00}, and a late fee. We called several times, got hung up on several times, and after threatening legal action, the fees were removed. The agents reported the account was closed In XX/XX/XXXX, they again charged minimum fees, and ignored the POA. We again sent in the POA with a demand to close the account. Several 'disconnects ' later, the account was reportedly closed again.
In XX/XX/XXXX, when my mother in law in her XXXX state called Macy 's to make an order, she asked to have her personal credit card charged for a phone order. Macy 's again opened her Macy 's charge account and placed the charged on the Macy 's card. This was against her wished, ans she was told that they " had her personal charge account on file ''. This is after Macy 's had been notified in writing on multiple occasions that the person was not legally competent to do so, and the account was closed.
We called the next day to cancel the order, and move the charges to a Visa card. We were told this was done - it was not, and we started the whole cycle above again.

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 2023-01-19
Company: Experian Information Solutions Inc.
State: DE
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:
To whom this may concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX XXXX  Original creditor : {$170.00} Balance updated XX/XX/2022 Original balance - Account number XXXX Open/closed Closed XXXX XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX BY Account number XXXX XXXX XXXX XXXX creditor : XXXX Account number XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX Account number XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX Account number XXXX As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights

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 2016-03-23
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loans for grad school were transferred to NelNet in XXXX. I made payments on several occasions paying ahead, but every single time I set up the autopay so it would continue paying. I had some issues with it in XXXX but thought I finally had it working. As I was completing my taxes this year I realize the autopay was again switched off. It 's entirely possible I made an error at some point, but I ca n't tell you how many issues I had with their autopay. I received monthly bills with {$0.00} due this month. I realize now they mean I do n't have a payment due until XXXX. They 're just letting the interest accrue again since I paid ahead! It 's my fault for not catching it sooner, but I was very sure my loan was being paid on this whole time and may have confused it with NAVIENT, my other loan servicer who I 've completely paid off and also receive " {$0.00} due '' messages. So rather than paying down my loans like I thought the last two years I now owe more than I did previously. This is UDAAP at its finest. While my own ineptitude contributed to this, I think NelNet should be put on notice for terrible servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 had two Bank of America credit cards. I stopped using the cards more than two years ago because in my opinion Bank of America has the biggest liars in XXXX XXXX that I have ever dealt with. I called Bank of America on XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX and spoke with a BofA customer representative by the name of XXXX. I asked XXXX why my credit card interest rate had increased from approximately 15.99 % to 20.24 % in a year. XXXX said that the rates were in line with credit card rates, paraphasing, and this is the reason for the jump in interest rates. This is the only credit card that I have that had such a high jump in interest rates. I stopped using Bank of America credit cards for over two years ago and was paying them off monthly with more than the minimum payment each month with only one late payment because I lost the coupon sent. This is the only credit card that I have had that has such an unusual high jump in interest rates and I have had credit cards from BofA before and paid it off monthly the same as this one. The reason why I stopped using BofA credit cards is because of the liars XXXX XXXX, Chair of the Board and CEO sent to me when I requested a mortgage refinance when Countrywide was given to BofA according to reports and he sent nothing but liars to, so call work with me, and they did nothing but lie and I still have the documents to prove it. The credit card ends in XXXX with the latest high interest rates.

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 2016-09-14
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I put a stop-payment order on a check I wrote. The fee I paid for this service was {$30.00}. Then on XX/XX/XXXX, the check was deposited by the recipient of the check, and my bank paid it from funds in my account. There are XXXX problems with this. First, I paid to cancel the check and the bank did not honor that order. ( I was later told the stop-payment order expired after a year, but I was never informed of this. If I knew, I could have renewed the order. ) Second, the bank accepted a stale check 17 months after it was written.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX XXXX {$27000.00} XXXXXXXX XXXX XXXX  XXXX {$7100.00} XXXX XXXX  XXXX {$680.00} XXXX XXXX {$320.00} XXXX XXXX XXXXXXXX {$3900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Dynamic Recovery Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Hello, When I just come from XXXX, I had XXXX years old, much everyting seems to be new and different to me. I start working, but I did n't know that there were people that was planning to make me feel sick and XXXX by bringing me to problems that they sure n't can involugrate me on, i were not inform of much and they violate my trust and laws of respect, dignity and identity, and now I have been harassed by collections agencies, for example this one that I just find in my mail today from : Dynamic recovery solutions original creditor : XXXX original account number XXXX current Creditor : XXXX DRS Account No : XXXX Current Balance : {$10000.00} I feel they just have been disturbing my patience, and they try to charge something that I dont have, something that I did n't purchase. I hope some one can help me to stop the corruption and harassment they have been planning against me and good people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2016-06-16
Company: Duvera Billing Services, LLC
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Since receiving the loan, Duvera Financial has made numerous mistakes with my credit card not going through. The very first month, they input the wrong expiration date, which put XXXX returned payments on my account. There was also a card charged on my account that I do not own. Due to the returned payments, I was taken off the " 90 day '' plan and am now being charged daily interest rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Netspend Corporation
State: NV
Product: Credit card
Issue: Other

Complaint:
i called to report my card was fraudulently used. Later to find out it was a vendor from online and we worked it out. however. the card had been cancelled and i waited for a replacement. the replacement card arrived. it could n't be activated. the card issuer demanded license and ssn card copies. THIS IS ILLEGAL. the id i can see. the ssn card is illegal to ask for. I did n't use that card to open the account. it should n't be required now that they have my money. I have been kept from viewing my credit card histories online. charged when i want to find my balance. my rights are being stepped on. I demand action against XXXX and ask that they be shut down permanently for unbusiness like conduct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am a XXXX year ( XXXX ) mother of XXXX and my husband has XXXX and XXXX ... I 'm the only person working in my household. These negative credit reporting practice system is affecting my ability to find affordable housing or my family and this may lead to us being homeless. Please, help me resolve this issue. I have disputed negative items on my credit report with Experian at least 5 times in 2016. I believe the Experian Credit Reporting agency is in violation of my civil rights and prejudice against minorities, because no matter how many times I provide evidence I paid my debts they are unwilling to remove the old data from my credit report. They continue to report athat least XXXX accounts as collection or late payments. I resolved and paid many all these creditors. Also, I believe this credit company has illegally used and shared my financial bank statements ( I used to prove accounts paid. ) and sent information to XXXX Collections to aid them in continuing to report inaccurate information. This data was used against me with out my consent.

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 2020-05-27
Company: TD BANK US HOLDING COMPANY
State: FL
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:
I have signed up for a TD Bank Cash credit card on XX/XX/XXXX. They advertised a 15-month 0 % interest rate but on closer attention I now see they have in fact been charging interest on purchases within the 15-month period. 

The site does not allow me to contact the bank by secure message anymore. I called on the phone on XX/XX/XXXX and spoke to XXXX. I explained the situation and she refused to fix the issue. I have asked for a case number but she also refused to provide one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Hi Sirs, I ca n't get my credit report that 's why I got denied from credit card companies. Here is my information. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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:
My HSBC US XXXX payments since 2015 do not show anymore on my latest report ( attached - see page 5 ). These payments were all listed complete in the XXXX Report ( attached - see page 5 ). Note that other bank cards are showing all payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Grant & Weber
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:
XXXX XXXX XXXX XXXX. Grant & Weber inc has incorrect information and is affecting my credit! They have a different name on the 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 explanation
Consumer complaint received 2017-03-08
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I did not receive the XXXX-month grace period, after talking with Nelnet, they counted my XXXX-month grace period in chunks during summer semesters that I was n't enrolled. I was under the impression that it was XXXX months after you GRADUATE, not during your summer breaks. I took classes during XXXX summer semesters, but not during every summer. By the time I was notified that my payment was overdue, I had thousands of dollars in interest that had accumulated the entire time I was in school. YEARS of interest while at the same time they were telling me I did n't need to make a payment because I was enrolled in college. It makes no sense. My loans are all broken up with letters of the alphabet, 2 As, 2 Bs, then letters C-G. I 've paid off C, but it cost me {$900.00} for a {$200.00} initial loan. Right now I 'm focusing on the higher interest loans, but after my payments so far, I owe XXXX on my Group D which was for XXXX. Ridiculous. I was getting a mortgage when I found out that my XXXX month grace period was over years ago, I called Nelnet, they had me mixed up with a different person. So they sent me an entire loan information package, all in XXXX, with student loans belonging to someone else. I called back, and they could n't tell me how much I owe, or how long the payments would go on for. 
Right now I 'm trying to pay them off as fast as I can, and I send extra every month. XXXX of my loan groups I do n't technically owe a payment on until XXXX of 2018. I pay every group. And then pay extra on certain accounts, and now I 'm sitting with an email from them saying I 'm {$5.00} short, and that {$5.00} payment is overdue. HOW? I do n't see it anywhere. I never pay less. It makes no sense. But it feels like they are just milking me for every dollar they can get. It 's ridiculous. 
I have a XXXX kids with a XXXX on the way, I was working while in school, the last thing on my mind was babysitting Nelnet when they made the terms of the loan very simple with the grace period and repayment arrangement. They are taking advantage of students, and I do n't think it 's right, fair, legal or just. 
I attended XXXX, as well as XXXX. 
Thanks-

Company response to consumer: Closed with explanation