BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: IL
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:
hi transunionhas a 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 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a Bum. 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 .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 XXXX 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 XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2017-01-26
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This has been disputed numerous times. I have not received any validation of the debt that I owe. No paper work showing my signature. The dispute was sent back in XXXX so it 's well past the 45 day time for the response for the validation of this debt. It has also been over the 4 years so the statue of limitations has past to collect on this debt per the state of Texas debt guidelines. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, I purchased a refrigerator from the sears online outlet. The cost of the refrigerator was {$1400.00}, the fee to deliver the refrigerator was {$380.00}, I also purchased a protection agreement for the refrigerator for {$490.00}. All of the charges related to the purchase of this refrigerator, total {$2300.00}. All of the charges were processed and I have been billed for them on my Sears credit card, but the refrigerator was never shipped and therefore, I never received it. 
I have called the outlet store in XXXX, Michigan ( XXXX ), that processed all of the charges, but failed to ship the item, multiple times. I have called the bank that manages the Sears credit card, multiple times ( XXXX ). I opened a dispute with the bank that manages the Sears credit card, and I have finally received a credit for {$1500.00} for the purchase price of the refrigerator, including tax. And I have finally received a credit, for the {$320.00} delivery fee, that I was charged for delivering that same refrigerator, that was never delivered. But the dispute was closed without giving me credit for {$490.00}, for the protection agreement that I purchased to protect the refrigerator, that I never received. I have nothing to protect! 
I do not have the refrigerator, a credit has been issued for the refrigerator. Because the refrigerator was never shipped. 
I have been credited for the delivery fee, since nothing was delivered. 
For some reason, Sears and the bank that manages their card, continue to bill me {$490.00} to service a product that I do not have. I need to be credited for the protection agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: SYNCHRONY FINANCIAL
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I WAS ASSIGN AS AN AUTHORIZED USER ON TWO ACCOUNT WITH SYNCHRONY BANK, ONE WAS XXXX IN XX/XX/XXXX & XXXX XX/XX/XXXX. WHEN I REPORTED THE XXXX OF THE PRIMARY ACCOUNT HOLDER I WAS TOLD THE DEBT WAS MINES AND I WAS RESPONSIBLE. LOOKING BACK ON THE MY CREDIT REPORTS XXXX (  {$4100.00} ) IS LISTED AS AUTHORIZED USER WHICH TO MY UNDERSTANDING SHOULD HAVE NOT BEEN LISTED AT ALL ON MY CREDIT REPORTS AND LATER THEY LISTED IT AS A JOINT ACCOUNT, AND XXXX ( {$3200.00} ) IS NOT LISTED AT ALL UNTIL AFTER HIS XXXX. I HAVE PROOF OF DOCUMENTS AND REPORTS. WHICH I HAVE BEEN SUMMONS TO COURT.

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 2022-02-10
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2016 Credit Collection Servic ( XXXX XXXX XXXX XXXX, MA XXXX ) agreed by telephone to my request of a pay to delete. A verbal contract is a legally binding this unwritten agreement that consists of all the normal elements of a contract. I trusted Credit Collection Servic enoungh to keep their end of the deal like I did when I paid them a {$190.00}. This account is showing up on my XXXX report I'm giving Credit Collection Servic the benefit of the doubt that this is a mistake on their behalf. This account was supposed to be deleted from all three credit bureaus when I paid the {$190.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I pay my loan back in 2012 I pay my the amount of XXXX, but they are continue putting late fees on my credit account which does n't make sense because I paid that account back in 2012 and it should be close. it was be close by me and he was close by the lender. I have proven that I pay that amount the full amount that they were asking me to pay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My Grievance filing is the following : I have been requesting my Bank to provide me copies of my closing documents on my home for over 30 days. I requested copies of my, The Truth and Lending and ECOA Disclosure, ECOA Appraisal Disclosure, FMNA Form XXXX Uniform Residential Loan Application and A copy of the Appraisal. This has been going on for 30 days and they keep telling me they are looking and or they can not find the documents. I have reached out to The State Attorney Office and the State Banking Commission in my State to also help me obtaining these documents from my Bank. I am reaching out to CFPB to help me obtain these documents on my home from my Bank. 

See Attached letters to my State Agencies for help in this matter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive paid the debt collection company for XXXX accounts in XX/XX/XXXX and XX/XX/XXXX. Requested if this could be removed and I was told its not possible for collection agency to remove it and for me to call credit bureaus but credit bureaus say opposite Please can these XXXX paid accounts be removed? Im trying to buy a home

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: APR or interest rate

Complaint:
I did a kitchen remodel with the home depot, the designer told me I could open a home depot credit card interest free for 24 months. My interest free promotion ended in XX/XX/XXXX. I have my credit card on autopay, as I do all my bills as not to miss a payment. The autopay on XX/XX/XXXX was 7 times the usual amount so I looked up my account and saw that they added XXXX in interest to my balance of XXXX. After the shock I called them, furious, no warning from them about this and was told it was deferred for 24 months and had it explained to me. I wish it was explained to me when I signed everything for my new kitchen. I had a citi bank card and an XXXX with o % promo balance for 12 months. The difference should have been explained, The home depot I went explained none of this. That deferred feature should have been pointed out, That is not truthful or fair business practices. The home depot customer service rep I had on the phone asked if i signed the contract, yes I did along with the kitchen remodeling contract, there were many papers and I trusted my kitchen designer at the home depot to disclose something as costly as this, he knew I was on a tight budget and we kept changing materials etc to lower costs, This can not be legal. I would like that interest reversed and I will pay the balance in full.

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 2022-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Over the past two years, I set up autopay on my jeep loan maybe 6 times. Each time on bank of americas end, my autopay was ended without warning and I only found out when theyd call to tell me Im past due. I always paid right away as I have the ability to pay the loan off, but its a lower interest rate so Ive been leaving it there. It just happened for a 5th or so time and I dont feel my credit score should be impacted because their system is making it difficult to keep track of payments. When you sign up for autopay, there is some trust that it wont be cancelled by the bank without notice.

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 2015-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of america has me in foreclosure. Right now BOA has summitted XXXX different original notes in my foreclosure case. The case started with a lost note count, which they submitted a copy of the note with a blank endorsement on an allonge, then over 2 years later they filed a different note that had the blank note endorsed to Countrywide, XXXX additional endorsements on the allonge, and other markings on the note itself. This note was filed in the official records, dropping the lost not count, with a sworn statement that it is the Original Note. Then months later they submitted another note, with another sworn statement that it is the Original note, that had the original blank endorsed note that was filed with the court as a lost instrument. This is clearly fraud upon the Court. After they submitted the endorsed note in their answers to my request to produce, I filed a Motion For Summary Judgement, on the no standing issues. After I filed my MFSJ, the plaintiffs submitted the endorsed note, into the official records, with notice of dropping lost note count, with a sworn statement that it is the original note. In the plaintiffs opposition to my MFSJ, they filed another note, which was claimed as the original note, by sworn statement, which was the Orignal note that they filed in thier complaint with a lost note count. So they filed a note in the official records, then filed the other note afterwards. The Judge denied my MFSJ, and set the case for trial, when I brought all this to her attention. She said they probably have a good explaination for why they have XXXX Original notes in my case. The only thing the plaintiff said was that the XXXX notes are identical, and that is a lie. I have the transcript from the hearing. I went to Court on XXXX XXXX, 2015 on my MFSJ, and on the XXXX XXXX, 2015 I recieved a letter from BOA that they are transferring my servicing rights to XXXX XXXX XXXX as of XXXX XXXX, 2015 This is just another way of getting away with fraud and forgery. I ca n't afford a lawyer, and the bank has not put anything in my court docs about any trial or anything else. So Bank of America is attempting to slide away into the darkness, like none of this ever happened. I wrote the Attorney General, and they gave me your number, so I am here to file an Official report of what is going on in our Court system. Fraud should not be tolerated in our Justice system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I 've had a bank of america credit card for XXXX years. This month I was charged XXXX $ interest fee on purchases, with a purchases balance of XXXX $ that ran out the XXXX percent apr on XXXX/XXXX/2016. I had been diligently paying the card off, but found out that those payments were always alloted to my promotional 0 % offer of balance transfer currently at XXXX $ that does n't expire for another year. They say they have the right to apply the payments to the oldest promotional offer, but the wierd thing about it is that they intentionally were not showing me that truth on my statements. In my statements for months now they state the XXXX promotional offers and their expiration but next to them where they say " balance subject to interest rate '' all the lines just have had XXXX. So I was never shown the balances of my promotional rates, They kept that to themselves. Basicly so I would n't notice that I was paying off my XXXX percent and piling up my now to be 20 % interest rate. This is underhanded and a direct lack of transparency that misleads the consumer. I 'm wiser now but in worse financial status that I would have been had I known, had they disclosed in their monthly statements what my balances subject to different rates were. Which seems to be the whole point of having that interest summary at the bottom of every statement. But its intentionally left undisclosed so that I do n't have enough control or choice over my relationship with the card issuer.

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 2022-02-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
y name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collection agency is attempting to collect on a debt that is very old, and therefore the collector can not provide a suitable basis for further legal action. The account has been charged off and no longer appears on my credit report. However, the collector continues to harrass me. I receive fequent, often daily, phone calls from the collection agency despite repeated requests for these calls to cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-18
Company: Navient Solutions, LLC.
State: CA
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:
Navient has been allocating my auto-payment incorrectly- skipping payments on the Principal for XXXX loan with the highest interest rate every month. Also in payments made by mail with specific instructions on a separate letter in the same envelope, they have failed to allocate the payment according to the instructions, which were to apply the full amount of the loan to the Principal only of a certain loan. They took part of the payment toward the interest. Navient also makes it exceedingly difficult to gain information or support for paying the loans in the fastest and most efficient way possible. There is no way to allocate extra payments online to only the Principal, no way to increase the amount of auto-payment, etc. I am highly dissatisfied at the service for taking advantage of me as a student who needed to take out loans in order to pay for education- they are irresponsibly handling payments and making people suffer / pay more than is necessary, and hold people in debt for longer than is necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I am a Citi credit card customer for more than 7 years. I made a credit line request from online account on XX/XX/2015. The request has resulted in a Hard inquiry on my credit report. The credit line increase with citi card has always been a soft inquiry for me in the past. I contacted customer service and they informed me that the online credit line increase requests are hard inquiry and the credit lime increase requests over the phone are soft inquiry. However, the website does n't mention any disclosure or notification while I was making the request. The representative asked me to fax or mail the Citi Bankcard Credit Bureau Dispute department.So, I faxed them on XX/XX/2015 explaining my case but I did n't hear back anything for more than two weeks. So, I contacted Citi customer service again as there was no way for me to contact their credit bureau department via phone. This time I asked to be connected to a supervisor. I had to explain my case all over again. After listening to my case supervisor told me that either online or over the phone it should have been a soft inquiry and the customer is always asked if it will be a hard inquiry. So, she assured me that this hard inquiry will be removed and she has escalated it to the Credit Bureau department. 
I received a letter dated XX/XX/2015 and Case no. XXXX stating they are unable to remove the inquiry from my credit bureau report but there was no explanation on why it can not be removed or why it resulted in a hard inquiry. 

Citibank should be transparent in their policies across platofrms ( i.e. phone or online ). Also, they should properly train their representatives as I got different information from thecustomer service agent and the supervisor. Lastly, they should value customer 's time as I had to call multiple times and explain my situation all over everytime.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Avid Acceptance, LLC
State: NC
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:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/2017 As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

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