BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Open loan XX/XX/XXXX amount {$20000.00} 36 months / {$640.00} / month period XX/XX/XXXX to XX/XX/XXXX paid {$640.00} transaction amount on the term of contract no delinquency no late fee. 
period XX/XX/XXXX paid and full the loan {$12000.00} ( overpaid {$64000.00} ) account current payment satisfactory, no delinquency no late fee no past due. 
paid the loan on 17 months current on 36 month therm. loan current every month. 
period XX/XX/XXXX to XX/XX/XXXX current. 
the Co. XXXX XXXX XXXX report my delinquency late payment charge off on XXXX, XXXX and XX/XX/XXXX to 3 credit agency credit report. XXXX, XXXX and Experian. The Co. promise of correction nothing came. 
I lost XXXX point for false report from XXXX XXXX XXXX. 
I contact the Co. on the phone promise of correction to fix the problem. Nothing came. 
I contacted from dispute the 3 credit agencies with additional proven documents. my problem if not fixed date XX/XX/XXXX. 
the Co. XXXX XXXX XXXX return to me the overpayment {$640.00} on XX/XX/XXXX. is never correct the problem of late payment on the 3 Agency. 
I am current loan pay satisfactory and no charge off delinquency late payment

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 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Open loan XX/XX/XXXX amount {$20000.00} 36 months / {$640.00} / month period XX/XX/XXXX to XX/XX/XXXX paid {$640.00} transaction amount on the term of contract no delinquency no late fee. 
period XX/XX/XXXX paid and full the loan {$12000.00} ( overpaid {$64000.00} ) account current payment satisfactory, no delinquency no late fee no past due. 
paid the loan on 17 months current on 36 month therm. loan current every month. 
period XX/XX/XXXX to XX/XX/XXXX current. 
the CoXXXX XXXX XXXX XXXX report my delinquency late payment charge off on XXXX, XXXX and XX/XX/XXXX to XXXX credit agency credit report. TransUnion, XXXX and XXXX. The CoXXXX promise of correction nothing came. 
I lost XXXX point for false report from XXXX XXXX XXXX. 
I contact the Co. on the phone promise of correction to fix the problem. Nothing came. 
I contacted from dispute the 3 credit agencies with additional proven documents. my problem if not fixed date XX/XX/XXXX. 
the CoXXXX XXXX XXXX XXXX return to me the overpayment {$640.00} on XX/XX/XXXX. is never correct the problem of late payment on the 3 Agency. 
I am current loan pay satisfactory and no charge off delinquency late payment

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 2022-12-15
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted Synerprise Consulting by phone on XX/XX/XXXX to resolve this matter. This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1300.00} with XXXX, XXXX XXXX XXXX XXXX credit reporting agencies. 

This debt should have never been in collections with original creditor. Synerprise Consulting has been notified and it has not been taken off my credit report. The original creditor XXXX XXXX XXXX never submitted a claim to insurance for services rendered on XX/XX/XXXX at XXXX XXXX XXXX, XXXX, Texas. If they would have, the bill would have been covered 100 % as I did not have a deductible remaining. After contacting XXXX XXXX XXXX, they have charged the bill off siting their mistake and not submitting a claim to my insurance in a timely manner ( in accordance with Texas laws ). The collection by Synerprise Consulting should have never been put on my credit report and is now categorized as a charge off/collection '' which is negatively impacting my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/21 I sent ExperianXXXX a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responed with a letter included with my credit report stating it was " verified '' through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX  XXXX could not verify this item so they deleted it from their database. 

I then went back to Experian/XXXX on XX/XX/21 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this unverified item which is imploding on my ability to purchase a home and causing me to pay thousands more in intrest every year. 

This item needs to be deleted from my credit report if itcan not be verified within 30 days.

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 2022-01-28
Company: EQUIFAX, 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:
I previously had a mortgage with this company that was paid in full and closed in XX/XX/XXXX. They are reporting that the loan is late in at least 8 months in XXXX. 8 months is as much as I can see on the report provided by equifax ( attached ). I disputed this with the credit bureaus and this company has reported validated these marks as being accurate. This has significantly affected my credit score. Id like this corrected or the account removed from my credit reports completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: AES/PHEAA
State: IL
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:
I applied for Public Service Student Loan Forgiveness as I am a social worker for a non profit company ( in rural XXXX so I am nothing short of impoverished ). I received a letter back that stated " Our records indicate that the loans identified below are expected to be paid in full prior to your estimated eligibility date for forgiveness and therefore the expected loan balance eligible for forgiveness will be {$0.00}. '' I currently owe over {$12000.00} and have been making nothing but interest payments for the past few years which is not helping lower my balance whatsoever. I am currently on an income based repayment plan. I make my payments on time every time. I just applied and received this letter in XXXX of 2017. Just curious how they can already assume it will be paid off by the time my eligibility for forgiveness comes along. I feel discouraged and ca n't see the benefit of remaining a social worker with barely a livable wage and loans sitting on my chest. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: ENOVA INTERNATIONAL, INC.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I made my first payment with netcredit on XX/XX/XXXX. The monthly payments were fixed at XXXX. The last payment was due XX/XX/XXXX. I noticed on the breakdown of principal and interest that large amounts of interest were still being taken out well after 16 months of the loan. The following is a breakdown of payments in principal and interest : XX/XX/XXXX {$250.00} {$98.00} {$150.00} {$2000.00}XX/XX/XXXX {$250.00} {$36.00} {$210.00} {$2000.00} XX/XX/XXXX {$250.00} {$40.00} {$210.00} {$1900.00} XX/XX/XXXX {$250.00} {$0.00} {$250.00} {$1900.00} please note 0 % went to principal XX/XX/XXXX {$250.00} {$36.00} {$210.00} {$1900.00} XX/XX/XXXX {$250.00} {$0.00} {$250.00} {$1900.00} please note 0 % went to principal XX/XX/XXXX {$250.00} {$45.00} {$200.00} {$1900.00} XX/XX/XXXX {$250.00} {$52.00} {$190.00} {$1800.00} XX/XX/XXXX {$250.00} {$10.00} {$240.00} {$1800.00} please note only {$10.00} went to principal XX/XX/XXXX {$250.00} {$59.00} {$190.00} {$1700.00} XX/XX/XXXX {$250.00} {$65.00} {$180.00} {$1700.00} XX/XX/XXXX {$250.00} {$72.00} {$170.00} {$1600.00} XX/XX/XXXX {$250.00} {$37.00} {$210.00} {$1600.00} please note only XXXX went to principal XX/XX/XXXX {$250.00} {$83.00} {$160.00} {$1500.00} XX/XX/XXXX {$250.00} {$52.00} {$190.00} {$1400.00} please note only XXXX went to principal XX/XX/XXXX {$250.00} {$97.00} {$150.00} {$1300.00} XX/XX/XXXX {$250.00} {$100.00} {$140.00} {$1200.00} XX/XX/XXXX {$250.00} {$86.00} {$160.00} {$1100.00} XX/XX/XXXX {$250.00} {$120.00} {$120.00} {$1000.00} XX/XX/XXXX {$250.00} {$140.00} {$100.00} {$900.00} XX/XX/XXXX {$250.00} {$130.00} {$110.00} {$770.00} XX/XX/XXXX {$250.00} {$160.00} {$80.00} {$600.00} XX/XX/XXXX {$250.00} {$170.00} {$78.00} {$430.00} XX/XX/XXXX {$250.00} {$200.00} {$44.00} {$220.00} XX/XX/XXXX {$250.00} {$220.00} {$23.00} {$0.00} it is only in XX/XX/XXXX that there was more paid to principal. I called and they could not give me an explanation. I was put on hold several times. Then they said it was in my contract about the way payments are structured. There is nothing in my contract that refers to how principal and interest are applied. I have always had loan in which the longer you make payments the more principal is applied to the payment amount. currently, I have been on hold well over an hour because I am trying to make a large payment and I want to make sure it is applied to principal. I think they have blocked my number. I am on XXXX. to have made payments where 0 % is applied to principal is outrageous and predatory. I have no idea how to handle this situation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: B&F Finance Corp.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello My name is XXXX XXXX and I was experiencing XXXX  pain from my XXXX  and unable to XXXX. This problem continued for over several months and affected me to the point were I was unable to work which caused me to get behind on all of my bills. I finally realized I need to seek medical attention but could not afford to pay {$100.00} copay and additional money needs if prescriptions were ordered so I went to B & R and obtained a signature loan. I went to doctor and several tests were ran and I was diagnosed XXXX positive and advised it might be causing the additional XXXX issues. The medical problems continued due to the medication needed was over {$2000.00} and I just didn't have access to that kind of money and I also was embarrassed and fearful after receiving diagnosis that my job would find out and terminate me so I was being seen as uninsured. B & R called regarding payment and I advised of my inability to pay at this time due to out of control issues. That's when the repeat calls started and I spoke with each person within their office and explained the situation somewhat but told them it was related to IRS issues. I couldn't gain the confidence to disclose the real reason I was unable to work. They called and threatening wage garnishment, disclosed wage garnishment to all my references, left wage garnishment information on my cellphone and at my job. They left message stating that I would be terminated from my job at law firm if they file wage garnishment. They stated that I was avoiding their calls and that I was a terrible person because I stopped communicating with them. They advised me that when they gave the loan I was okay but now that I cant pay I am a terrible person and need to pay up. They advised me instead of paying my rent I can pay them and live in shelter or stay with family and friends. These actions taken by the company has me stressed and adding to medical issues i am battling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 a credit inquiry by USAA bank on my experience report. This inquiry was not done/ authorized by me. I have called the bank and they are stopping the account but can not remove the inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: EQUIFAX, 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:
Equifax has refused to properly investigate errors on my credit. I sent Equifax disputes regarding three different alleged collection accounts from XXXX XXXX on XX/XX/2022. Ive also sent in disputes outlining XXXX XXXX XXXX violations as well. In my disputes from XX/XX/2022, I listed an FCRA violation and demanded Equifax remove the account as I have the right to do under the FCRA. The alleged collection accounts are reporting i have a past-due balance with them. How can I have a past-due balance with a company I have no relationship with? Under the Fair Credit Reporting Act, I have a right to a fair and 100 % accurate report and if my credit report isnt accurate, I have a right to demand it be deleted from my credit file. Equifax has deliberately ignored all proof and evidence that Ive sent in regarding these erroneous accounts. I even sent in dispute results from XXXX showing that XXXX removed these accounts because it could not verify these erroneous, alleged collection accounts. Upon checking the disputes results, Equifax not only kept these erroneous accounts on my credit report, it also kept the past-due status on the accounts. Equifax is merely parroting information and not conducting a reasonable investigation. I also have a phone recording of an Equifax representative admitting that the company is using stall tactics to intentionally not investigate my disputes. Again, Equifax has ignored my requests and evidence that these are erroneous accounts. Equifax is guilty of enabling Identity Fraud by keeping these erroneous accounts on my credit file. To further support my statement, Equifax added a new address to my credit report ending XXXX XXXX XXXX I have NEVER resided at that address. Equifax is most certainly guilty of Enabling Identify Fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have spoken with over 6 agents in the last few weeks after I was told to call back after my payment post before my late fees can be waived due to emergency XXXX and recovery that took place in my life over the last 10-12 weeks ; I am the sole owner of my account and no one knew my bills or due dates nor was I prepared for my extended hospital stay or XXXX there was absolutely no time to prepare I was promised my fees to waive off both accounts and only received fees waived off my XXXX XXXX but not on my XXXX ending with XXXX I am a long time consumer and would like cap 1 to honor what I was promised now when I call back I am told there is no offer on my account I have no clue what cap 1 reps are talking about and I have no control over how the reps note the account I know what I was told and to further prove my comments it was done on 1 account but not both - I do not need this extra stress after being a customer for nearly a decade if not longer I should not have to file a complaint to resolve an issue but I am tired of calling being transferred all over the place and spending more than 45 mins on each call without a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX, XXXX, original debt is Citibank. I went through hardships and lost my business, aka shop/job after 16 years. Kept paying on dept to Citibank and creditor kept charging outrageous interest, penalties, and fines. Eventually Citibank locked me out of the account and I could not pay my bill then sold debt to XXXX XXXX XXXX XXXX. without any notice to me. XXXX XXXX XXXX XXXX contacted me aggressively and constantly, morning, afternoon, and night including weekends. Eventually got too aggressive and threatening they were asked to stop calling me. I am assuming it is a credit card that I was paying on. XXXX doesn't talk to me and directs me to the attorneys which they also refused to talk to me without giving them my social security number, though there are other ways to pull up my information like address, phone number and verifying that normally is enough. For security reasons I can't give sensitive info like a social over the phone to just anyone. For these reasons mentioned about and not being able to verify the debt, I now question the validity and dispute any allege debt in its whole. I need all information to verify said debt ; payments made information, interest rate, transfers, charges and complete history of " Alleged '' Debt. This creditor and its attorneys have refused to talk to me and get too hostile to deal with. I require all documentation associated with said debt and harrassing action, yelling, and legal action stopped.

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 2020-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was a fraudulent transaction through XXXX  using my debit card. I paid the seller the money but he never gave me my items. So took to 2 transactions of {$48.00}. I contacted Bank of America and they opened a claim and recently the claim was closed and not resolved. I would like the claim to be reopened so I can receive my money back. XXXX also said to contact Bank of America

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 2017-07-21
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I have a secured XXXX visa that is reporting a late payment on my account. On XX/XX/XXXX I mailed a money order in the amount of {$50.00} to their payment address stating that by accepting this payment XXXX agreed to delete all late payment reporting as it is negatively affecting my credit history. I was able to verify that they indeed receive my payment on XX/XX/XXXX and are still reporting delinquency on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: CITIBANK, N.A.
State: NJ
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:
I filed a dispute claim on XX/XX/2019 to Citi Bank Credit card for not getting the quality of services of goods i ordered from a store that is walking distance away from my home. I ordered windows for home to be energy star comply with the area and state where i live but i received a bow window with different design than i asked for and other windows were not energy star comply. the merchant didn't provide me with any paperwork or had me to sign for product description for non return policy. the credit card company denied my dispute while i provided what they asked for and attempt to return the product by talking to people in the store ; credit card asked for tracking number or any approve of attempt to return product, i tried to explain that the store is a walking distance away from my home and i tried to return the product be they didn't accept it and the merchant was very rude talking to me. I told the credit card investigator that the merchandises are available to be return anytime as i purchased what i was supposed to get from different supplier. I feel like i got ripped off and credit card company is standing with the merchant for no clear reason!

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 2019-11-22
Company: LD Holdings Group, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The mortgage took over 60 days to close. When LoanDepot finally scheduled the closing a notary was sent to my house with the wrong paperwork. When asked to sign I was also told I would need to write a check for ~ {$2700.00} which was not what was agreed upon in the closing disclosure. Loan Depot was unavailable to answer the phone during my closing even though it was during business hours. They finally remediated it and I closed on XX/XX/2019. To date, they have still not funded my loan and I have incurred late fees and potential hits to my credit. I followed the advice of my Account manager in late XX/XX/XXXX to take a 2 month payment vacation and have not paid my mortgage. After calling them I have been told that I need to pay my mortgage now because they may not fund it on time. I have been lied to and deceived during this process and I have incurred damages caused by LoanDepot. I was told I wouldn't need to make mortgage payments after closing.

Company response to consumer: Closed with explanation