BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX Inquiry date : XX/XX/XXXX XXXX OF XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 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 2019-12-23
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: RI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My mortgage from XXXX XXXX was " sold '' to this debt collector. I had received a bunch of harassing calls and letters for payment even though I was set up for EFT. I made a payment over the phone with a representative and paid exactly what was asked. I received a letter saying I shorted by XXXX cents and now they are forcing me to set up an escrow account. They are not abiding by the original terms of the loan either ; they are forcing me to obtain condo insurance when my master plans covers this. When I call the agents are rude or sound drunk and high. They are a predatory lending company and trying to take my property away from me as they are ruthless. This company is not accredited by better business bureau. They should be shuttered once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: ARS National Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from  ARS National Services ,   XXXX   XXXX   XXXX   XXXX  , CA  XXXX , ( P )  XXXX , ( F )  XXXX  regarding a debt that they state I owe. I sent a letter requesting information verifying the debt, including proof of the debt, the date of the last payment and when the debt became delinquent, copy of the last billing statement and if they are licensed to conduct business in the  State of Illinois and provide the name, date, license number of the state agency issuing the license. I received   what appears to b e a Excel spread shee t with what appears to be information that is not in a billing invoice format containing any information requested to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I called my credit card company to inquire about why my cash advance balance has grown while I have been paying off interest plus principle religiously for the past few years. What they said they are doing is, at the end of my statement period, they are assessing interest. Then, they set a minimum payment with a little bit of premium. They take my payment and apply the little bit of principle to the higher interest rate. Then, they take the remaining amount paid and instead of applying it to interest, they apply it to the lower balance and, at the same time, add that amount to the cash advance balance. 

The result is that the cash advance balance accrues and will continue to do so, eventually resulting in the entire balance being assess the often much higher interest rate. 

After speaking to multiple representatives at my bank, consulting with the consumer credit card act and reading my credit card agreement, this process continues to be very confusing. In one conversation this afternoon, at approximate XXXX XXXX EST, I spoke with a representative at Capital One who assured me that my cash advance balance was " not '' growing. Then, after some additional discussion, she pulled up the amount of the original cash advance, {$320.00}. 

Despite making payments over the past 3 years since that small cash advance in XXXX, my cash advance balance - or in other words the amount being charged the higher interest rate - is now {$1400.00} and is seeing a higher interest rate of 22.9 %. 

The small amount of principle is offset by the increase in the cash advance balance. 

I am certain the consumer protection laws was written with the intent that payments would be applied to the " higher '' interest rate balances first but it seems the credit card companies have created a work around that is actually resulting in a situation that is worse for the consumer. I am not sure if this is worse than when the law went into affect but this is probably not the result the drafters of the law intended. 

I feel additional legislation needs to be enacted that would require credit card companies to apply the amount paid to the interest and higher rate principle, not surreptitiously add the amount on to the cash advance balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
Since XXXX of this year, I've been sending update letters to Equifax, XXXX, and XXXX to delete old and inaccurate addresses and outdated information on my credit report. These companies are still reporting old and inaccurate addresses and information even after I initially sent them at least two update letters but they never updated my personal information. These are all of the inaccurate addresses on all three of my credit reports that still haven't been deleted but need to be removed. 


XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX  XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX  XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been dealing with Amex for the last few weeks, i made a payment on XX/XX/XXXX for {$2800.00} to settle this account and get it cleared. I was told no further collection will be happening and reporting will be changed. to this day as of XX/XX/XXXX, my credit is reporting Amex as Late. this was not the agreement settled. I have called XXXX XXXX XXXX and spoken to the reps there and they have told me the reason the system hasn't updated their info is that they may be cant be tracked. This is an issue on their end and the guy has apologized for any inconvenience this is causing. He keeps telling me to call back in another week to follow up. I have called 3 times with still the same story. The confirmation for the transaction is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Ocwen. There is to be an ACH draft at the beginning of the month, generally around the XXXX through the XXXX, as I get paid on the XXXX. This month, no ACH draft. I telephoned and reached XXXX or XXXX through outsourcing and was told that XXXX mortgages were affected, in that an ACH draft can not occur. This is the XXXX time this has happened with Ocwen, the first time in a similar complaint I filed in XXXX of 2014. I am told I may have to pay over the phone every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: NJ
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reached out to the bureaus several time in reference to this matter and it has yet been resolved. 

The account in question : 1. XXXX Account # XXXX XXXX {$9.00} Opened- XX/XX/XXXX 2. XXXX Account # XXXX Balance {$780.00} Opened- XX/XX/XXXX 3. XXXX XXXX Account # XXXX Balance {$1600.00} Opened- XX/XX/XXXX 4. XXXX XXXX Account # XXXX Balance {$2600.00} Opened- XX/XX/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 2021-12-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX XXXX It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. This the second time Ive asked for a response concerning this matter on ( XX/XX/2021 ) I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My checking account - Bank of America # XXXX was closed back in XX/XX/XXXX. The ATM debit card ending in XXXX was the associated debit card to this checking account. 

On XX/XX/XXXX, XXXX XXXX issued a refund on a cancelled flight in the amount of {$370.00} and I was advised to contact Bank of America. I contacted Bank of America and they said they had " no where to post the money '', so they issued a refund back to XXXX XXXX and that I would have to contact them. I contacted XXXX XXXX and they said they have never received any refunds back from Bank of America. 

XXXX XXXX gave me XXXX XXXX XXXXXXXX ( I do not know what this number is for ) Last Dept I spoke with was Bank of America # XXXX Dept- Recovery Bank of America has my money and has done nothing to cooperate in investigating the issue of my refund

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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
1. I received an Offer from CAPITAL ONE regarding a UNSECURED Account in place of the SECURED Account number XXXX. Hereinafter XXXX. 

2. CAPITAL ONE opened UNSECURED Account number XXXX ( XXXX ) leaving me with two ( 2 ) Accounts opened, before closing XXXX and scheduled the return my deposit earlier than expected. 

3. The one ( 1 ) year mark for XXXX required CAPITAL ONE to release my deposit of {$200.00} was to occur in XXXX or XX/XX/2021, in any event. I did not ask or requested two ( 2 ) accounts to be opened with CAPITAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX place made me a Loan in XX/XX/XXXX the payments were set up to be deducted automatically with my permission by XXXX. The money was always available but in XXXX the company reported we were delinquent and continue to report 60 to 90 delinquencies we questioned this with the company and in XXXX we learned XXXX was not licensed to do business in Alabama from your Attorney Generals Office. 
This incorrect and negative reporting continues to impact my credit reports During the initial complaint Alabamas Attorney General was not able to contact XXXX all correspondence were returned undeliverable. 
If XXXX was taking out the payments how could they be delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: OH
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
PNC bank instituted a change in policy with regards to maximum number of transfers from a savings account due to COVID- where they stopped charging fees to consumers for transferring more than 6 times per month from a savings account. I was not informed why this changed - and became accustomed to the added flexibility of being able to move funds freely without restriction. 

In XXXX of this year, they began reinstituting the fee collection process but did not distribute a notice to all of their customers. My savings account had 13 transfers, equating to 7 total {$3.00} fees. 

The bank refunded the fees but it is very troubling to me that the bank changes their position on fees without a proactive notification to customers. I confirmed with a bank representative that they had no indication of sending me a notice during my call which ended at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: LA
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 disputed three ( 3 ), fraudulent Tradelines that are reporting on my personal consumer report bearing the name of XXXX XXXX XXXX. The Tradelines are XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, AND XXXXXXXX XXXX XXXX XXXX # XXXX. 

I have requested that Experian provide the legally required proof required to report these fraudulent Tradelines under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

Experian has not provided any proof and has failed to DELETE the three ( 3 ) fraudulent Tradelines. Therefore, I am demanding that Experian DELETE the Tradelines due to the fact you have not supplied the demanded proof of the alleged Tradelines, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of these alleged Tradelines, nor therefore any such Tradelines, in fact exists. 

I expect the three above listed Tradelines to be Deleted from my Experian personal consumer report within 15 days of receipt of this letter, in compliance with the FCRA. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Experian is in violation of the FCRA and outright refusing to uphold the law. According to the Fair Credit Reporting Act, your company has an obligation regarding the accuracy and integrity of the information you furnish. Continuing to report these three ( 3 ) Tradelines after I have advised you that they are fraudulent constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.

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 2022-05-02
Company: Credit Management Control, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had filed a complaint ( XXXX ) in regard to the interest they were charging me on 4 separate medical bills. The say statue XXXX allows for 5 % annum charge, which I still say shouldn't in regard to medical bills. However even if it was acceptable they are charging me over twice that amount for each bill! For example one bill is for {$870.00}, they are charging {$110.00} or almost TRIPLE. Five percent of {$870.00} is {$43.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: PA
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:
TRYING TO GET SOME HELP CLEARING MY NAME FROM THIS ACCOUNT THAT APPEARS ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2021, I requested for a loan from XXXX XXXX XXXX XXXX. However, I was denied for the following possible reasons : Credit score shows XXXX from Equifax, derogatory public record or collection filed, time since delinquency is too recent or unknown, number of accounts with delinquency, or length of time accounts have been established. Immediately I reached out to Equifax XXXX XXXX XXXX XXXX XXXX & the credit union indicated that the score would have to be 720 or higher. I reached out to Equifax & asked that they explain to me why I was denied a loan because I know exactly what is on my credit report & I only have one acct in collections because I do not owe it. I have a credit score that totalS XXXX what Equifax shows, yet they sent the report showing that my score is XXXX. The Equifax rep said a mortgage score is different & when asking how do you all get that calculation she said she did not know. Again, my overall credit score is XXXX, my home is paid off, car paid off, I am not late on any of my accounts, & I have had these accts for over 7 years. As I stated to the rep how can improve the score if you don't know how or who calculate the mortgage score. So I can have excellent credit so I still can not get a loan when needed. I am needing them to either raise my score or tell me how they are getting the score so I can improve it. I am needing a loan and yet with excellent credit I am not able to get it.

Company response to consumer: Closed with explanation