BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-02
Company: Vital Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I had an end of auto lease obligation to pay XXXX XXXX XXXX XXXX back in XXXX 2015. I contacted XXXX via mail and let them know I was out of work and I could pay small monthly payments until the account was paid in full. Without waiting for a response I started paying XXXX {$25.00} a month, sometimes more if I could afford it. They took my payments and applied them towards my account reducing the principal ( {$1000.00} ) and sent me updated statements with the remaining balance. Yesterday, XXXX XXXX, 2015, I received a letter from Vital Recovery Services LLC, a debt collection agency that required a payment for the alleged debt I owed XXXX. The principal amount was also wrong. Obviously, despite the fact that I keep making monthly payments that I can barely afford, XXXX XXXX XXXX XXXX hired a collection agency while at the same time taking payments from me. This is not a legal action. They can not sell the account to collection agency when I keep making payments and they take my payments. My account is not in default. This will hurt my credit that I am trying to revive while I am looking for a job. XXXX refuses to work with me on this for whatever reasons. I will not pay the full amount to the collection agency because I can not. It is in XXXX best interest to take my monthly payments and get it over with rather than losing the entire money because of poor company practice of handling debt. I know I have a responsibility to pay, and I am very willing to pay it off, but I can not be put under pressure to do so when I am working very hard to maintain monthly payments and find a job so I could pay it off at once and never deal with XXXX again. XXXX of companies work with you on this, they assist you with monthly payments ; however, XXXX does n't train its associates to work with people who have financial hardship and need assistance. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: RI
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:
Negative items were removed off my account. 
XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$2000.00} Credit agency XXXX removed all items after an investigation. By law XXXX has an obligation to report removal of items to the other credit agencies. This agency 's investigation was incomplete and resulted in no findings or backup to said items on my credit report. I need all items removed immediately.

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 2022-07-14
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: Information belongs to someone else

Complaint:
On XX/XX/2022 I received a fraud alert from the company that monitors my credit about an inquiry from XXXX Bank. I called XXXXXXXX XXXX and learned that someone using an address in XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) had tried to open a credit card in my name and social security number. I advised them that the application was fraudulent and they closed it. I have had accounts with XXXXXXXX XXXX in the past, but none for many years. 

Also on XX/XX/2022 I received an email and letter from XXXXXXXX XXXX saying that my application for a credit card had been declined. I called and told XXXXXXXX XXXX that the application was fraudulent and they closed it. I have other open accounts with XXXXXXXX XXXX. 

I contacted XXXX, XXXX, and TransUnion on XX/XX/2022 and had a credit freeze placed on all three credit bureaus. 

I filed a police report. XXXX and XXXX have removed the hard inquiry from XXXXXXXX XXXX. TransUnion has refused to do so.

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 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX and account # XXXX, XXXX account # XXXX, XXXX XXXX/XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX. account # XXXX has violated my rights. 

15 U. S. C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2022-03-20
Company: HUNTINGTON NATIONAL BANK, THE
State: IA
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:
This began in XX/XX/XXXX regarding Huntington Natl. Bank in PA. I contacted the bank over a dozen times as it dropped my credit rating over 100 points without explanation. They failed to respond, and I finally filed a complaint with the Iowa Consumer Protection Division in XXXX XXXX, IA, on XX/XX/XXXX. In turn, this agency told me to send all information to the PA Dept. of Banking and Securities in XXXX, PA. Customer Assistant XXXX XXXX sent an email on XXXX XXXX, XXXX, telling me to send the problem to the Office of the Comptroller of the Currency in XXXX, TX, which I did on XXXX XXXX, XXXX. This agency advised me that my complaint was no longer under their jurisdiction and had been sent to XXXX, IA. I wrote to the XXXX Financial Protection Bureau on XX/XX/XXXX, again on XX/XX/XXXX. In return, I received a form letter on XX/XX/XXXX, instructing me to file a complaint. Fed up, on XX/XX/XXXX, I sent every scrap of documentation and research I had on file to XXXX XXXX XXXX ; XXXX, IA XXXX. I received a form letter dated XX/XX/XXXX, identical to the one on XX/XX/XXXX, and yet another on XX/XX/XXXX. XXXX I expect this type of incompetent service to continue? Or have you gone covert and closed any potential investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: GREAT LAKES
State: FL
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:
I have a consolidation loan serviced by Great Lakes. My repayment plan was a tiered approach with three different repayment amounts. Throughout the life of the loans ( repayment began in XX/XX/2004 ), I have instructed Great Lakes to apply any overages from the loans to principle of the loan ( both on coupons and subsequently in various electronic communications submitted to them ). It has been my practice to submit approximately {$100.00} extra a month above each required payment ( I eventually switched to automatic withdrawals with this instruction ). Whenever I have inquired on this point regarding paying above the loan amount with a live person, I have been told that their policy is to apply overages to interest outstanding first, then principle. Additionally, I have received statements indicating my loan is " paid ahead '' by nearly {$9000.00}, in derogation of what I have told them repeatedly in written, spoken and electronic media. I believe, based on the statements on the CFPB website, the actions of the lender are in violation of student loan regs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 received a letter from bank that they were closing my business account at Chase bank. 
this has been an issue with the bank, no communication and all of the sudden my bank account is/will be closed. with many vendors and clients already with this account is difficult. I am sure. this complaint will not make any difference, but just want to put it in writing since, I feel discriminated and mistreated because of my color and race. 

No description of why they decided to closed accounts. 
just a brief note saying there was unexpected activity on the account. 

They pick and choose on how they want to serve, but they received funds from federal reserved. I am asking for help on this matter. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX their call if you have questions number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Experian Information Solutions Inc.
State: MO
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:
n accordance with the Fair Credit Reporting act incorrect information reported to my consumer reports violates my rights ; 15 U.S.C 1681 section 2 ( B ) States a person shall not furnish information relating to a consumer if the person has been notified by the consumer that specific information is inaccurate.

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 2015-04-23
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband passed away XXXX XXXX, 2014. 

Since that time, TD Bank has refused to talk to me. My husband 's death constituted a hardship, and I have been unable to work on a loan modification, request Florida 's Hardest Hit Funds, or appeal to any other kind of avenue to prevent a default of the loan. 

Despite not being on the Note, I am an owner of the home and should have been serviced. Up to this day I have not yet been serviced - the loan has been forwarded to a foreclosure department of TD Bank, and that is all they have spoken to me about. 

Per CFPB rules, as a successor in interest, I should have been serviced. There was a negligible default on the property of {$540.00}, which has ballooned into {$6000.00}. It continues to snowball. This is a problem that could have easily been fixed had I only been serviced. 

As a result of the default I can not even refinance. I have equity in the home and am perfectly able of catching up - I would also qualify for the hardest hit program with a simple assumption of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: GREAT LAKES
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I borrowed money in the form of " Parent Plus '' loans through the Federal government and Great Lakes for my son 's college tuition since the school said he did not qualify for loans based on his own merit. After graduating five years later, my son ( technically I ) had accumulated over XXXX in loans and interest spread out among XXXX different " government backed '' lenders who all wanted separate payments or I could consolidate the loans on an income based plan which would be a smaller payment my son would have to make through me since he still did not qualify to hold the loans himself. Maybe in the fine print somewhere on page XXXX of the novel of a loan agreement it said that the loan would no longer be a true school loan with all the low interest benefits, but I did not know that at the time of refinancing. Now we are paying 8 percent interest on a modified government backed loan. How is that justifiable morally. The price of his education at the Colorado XXXX XXXX XXXX did n't yield an income representative of the hugely inflated cost he is paying and to add insult to injury, my lower income makes it impossible for me to refinance the loan with a lower interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In XXXX of 2021 I applied for a XXXX credit card through CapitalOne. I was given a {$3000.00} credit limit. Most Visa Infinite credit cards come with a minimum limit of {$5000.00} per Visa Inc., so my granted credit limit is unusually low. I believe an error was made in determining my credit limit. 

Our family income is well over $ XXXX. I have been married to my husband for 47 years. My credit scores have consistently been in the 800 's for many years. When I applied for the XXXX card my scores ranged from XXXX to XXXX. I have two long-term credit cards with XXXX ; one with a {$40000.00} limit and the other with a {$12000.00} limit. My husband and I have had a joint credit card with XXXX XXXX XXXX with a {$35000.00} credit limit since the XXXX 's. I pay off my credit card balances every month on all my cards. I have fully used my credit limits on occasion. We also currently have joint interest bearing accounts with a total balance of around {$350000.00} at CapitalOne and have had accounts with them for more than 10 years. I believe CapitalOne was the only hard credit inquiry in the two years prior to applying for the XXXX card. 

My husband, who is less than one year younger than me, applied for the XXXX card several days before I did in XX/XX/2021. He has credit scores similar to mine and his credit card usage is similar. He was given a {$30000.00} credit line on two separate CapitalOne credit cards, one before I applied for my XXXX card and one after! 

I repeatedly called and wrote to CapitalOne asking for an explanation as to why my credit limit was set so much lower than my husbands. I asked them to review my credit limit for an error and was told it is all done by algorithm, no person reviews for errors or can make corrections and that I will never receive a credit increase of more than 10 % every 6 months for as long as I have the XXXX XXXX I have paid off my XXXX credit balance every month, early on several occasions, and for more than the statement balance due. I have talked with Credit Specialists, Sr. Account Supervisor, XXXX XXXX XXXX and a Case Manager in XX/XX/2021. 

The only conclusion I can reach is that Capital One 's algorithm and credit decision is sexist. 

Additionally, Capital One 's unsigned response to me dated XX/XX/2021 is misleading and not practiced based on discussions with CapitalOne employees. It is stated " credit limit increases are reviewed periodically at undefined times during the year. '' This does not appear to be the case. It appears credit limit increases regardless of use or creditworthiness are limited to 10 percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
n accordance with the Fair Credit Reporting act incorrect information reported to my consumer reports violates my rights ; 15 U.S.C 1681 section 2 ( B ) States a person shall not furnish information relating to a consumer if the person has been notified by the consumer that specific information is inaccurate.

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 2021-11-26
Company: WELLS FARGO & COMPANY
State: NC
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 have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2021-10-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
writing to delete the following inaccurate, contradictory information in my file.. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated as you are going breaking multiple laws. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer on Citi 's website and via email to receive {$400.00} if I open an account with {$15000.00} in initial funding ( with many restrictions in fine print ). 

I opened and funded the account on XX/XX/XXXX by clicking on the offer and providing the information needed to open an account. 

I followed up with customer service on XX/XX/XXXX to verify that I was meeting the terms of the promotion. I was told that I was meeting the terms of the promotion and that I could expect to have my account credited after I kept the funds in the account for 60 days. 

I followed up with customer service to ensure that I was correctly meeting the terms of the offer on XX/XX/XXXX and inquire about the promotion. The representative told me that I was meeting the terms and that I could expect to see a {$400.00} credit on XX/XX/XXXX. 

I followed up again on XX/XX/XXXX to inquire about the offer. I was told that I would receive the {$400.00} credit on XX/XX/XXXX. 

I followed up again on XX/XX/XXXX to inquire about the offer. I was told that a case would be open to investigate my issue. I received a communication on XX/XX/XXXX saying that their investigation was complete and that they were not aware of any promotion offered in conjugation with the opening of my 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 monetary relief
Consumer complaint received 2022-08-04
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 21 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation