BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
My credit limit is {$500.00} only. I have requested for increase in limit for years. I have a very strong credit with XXXX XXXX score have never delayed a payment. Over the years I have opened a few new credit card accounts the other banks have over the period increased my limit to XXXX. Despite several requests, the bank has not increased the credit limit in line with my credit profile and they keep changing the reasons of decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: IL
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
Consumer complaint received 2021-08-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan Servicer states the following on XX/XX/2021 communication to Borrower : " You previously indicated that you have been impacted by the COVID-19 pandemic. '' " The existing payment relief provided on your account is coming to an end. '' Borrower Concerns : Loan servicer is not providing date on when COVID-19 relief assistance is coming to and end. 
Loan servicer proceeding with foreclosure while payment relief due to COVID-19 pandemic is still active.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This is my second complaint. I received another bill today for the amount of {$21.00} which included late fee of XXXX and an interest charge for XXXX. The statement also indicates that previous finance charges and late fees were refunded, totaling XXXX. 
The account is closed and nothing further was charged after the {$5.00} on XX/XX/XXXX, however, Comenity failed to process my XXXX bill pay and a second {$5.00} bill payment until XXXX Their failure to process the first payment timely resulted in my overpayment and being continually harassed and charged late fees and interest charges for an amount that was paid timely and that they acknowledged receipt. 

Please end this continue harassment of bills and impact to my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-28
Company: TMX Finance LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I made a complaint already but I don't know how to add it but I went to get my stuff out of the car when it was repoed and I have stuff missing out of the car and they did damages to my car

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a letter from XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX indicating that I was required to reapply for Income-Based Repayment. The letter stated " We must receive your application by XXXX/XXXX/XXXX. If we do not receive your application within 10 days of this date, payment will increase.... '' The letter does not specify whether the 10-day period includes weekends. 

I resubmitted my application for Income-Based Repayment on XXXX XXXX, XXXX, within 10 days of XXXX/XXXX/XXXX ( including a weekend period ). However, XXXX informed me by phone on XXXX/XXXX/XXXX that it would not honor the terms of its prior letter and was increasing my payment for XXXX XXXX. The company explained that it had received my application and recalculated my payments but that it would not apply the income-based repayment amount to the month of XXXX. It further informed me that the only method of relief from the substantially higher XXXX payment was to apply for a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: NV
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:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX and 60 days in XXXX XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XXXX XXXX, XX/XX/XXXX, and 60 days in XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 30 days late in XX/XX/XXXX. 

XXXX. XXXX  XXXX Account Number : XXXX 30 days late on JXXXX XXXX, 60 days in XX/XX/XXXX, XXXX XXXX 90 days late in XXXX XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: IL
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 71XXXX 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 XXXXm XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-24
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: NV
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 am not an authorized user on this account, they will not remove it, i have no card, no charges, no account all i see is XXXX on the end of the account showing

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 2022-09-29
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I HAVE BEEN TRYING FOR OVER 2 YEARS TO REMOVE A FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT PROFILE. THIS FRAUDULENT ACCOUNT WAS OPENED IN A DIFFERENT STATE AND IT WAS CHARGED IN A STATE WHERE I DON'T LIVE. I HAVE BEEN TALKING TO DISCOVER BANK AND XXXX TO HAVE THIS FRAUDULENT ACCOUNT REMOVED. THE CHARGES AND THE ACCOUT ARE FRAUDULENT. UNFORTUNATELY FOR ME DISCOVER WILL NOT PROVIDE THE ADDRESS THAT WAS USED TO OPEN THIS FRAUDULENT ACCOUNT. I FEEL LIKE THERE ARE PROTECTING THE THEIF BT NOT HELPING THE VICTIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Home Depot balance was paid off twice by mistake and I can not get the money refunded. I have a XXXX XXXX dollar credit that they will not pay me. They have had this money for almost one month. I have called every seven days for 21 days ( 3 telephone calls ) trying to get either the money returned to me OR returned the money to credit card company who sent the check to them. I am told I will get it in a few days by numerous employees and 21 days later they still keep the XXXX XXXX dollars!! 

Balance of {$5300.00} I paid {$390.00} on XX/XX/XXXX I paid {$5000.00} on XX/XX/XXXX Balance then XXXX. And then XXXX XXXX paid {$5000.00} on XX/XX/XXXX This leves a credit of {$5000.00} As soon as I realized that the extra payment was made ( on the XXXX or XXXX ) I telephoned Home Depot and I asked for them to send the XXXX XXXX back to XXXX XXXX. Second call on XX/XX/XXXX, a " supervisor '' stated she needed more information which I provided her and I was told I would have a refund in a " few '' days and she verified my bank account. Today now 21 days later I still have no refund nor has XXXX XXXX received a refund and I called again. Now asked for the SAME information I provided on XX/XX/XXXX to the " supervisor ''. Now they say it will take an additional 17 days. Keep in mind they have kept XXXX THOUSAND dollar since 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 monetary relief
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello to all. I have screenshots and emails from company Wells fargo continuously over drafting my account. Charging my card multiple time in the same week/month. Me calling complaining to the point of me just giving up try with well fargo. Multiple times my account was frozen and blocked multiple times i had to receive a new debit card because the company kept over drafting my card. They kept overdrafting so much that i just didnt use the card anymore after calling and wells fargo closed my account and access to the mobile app.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I have submitted information to the three credit reporting agencies regarding the balances on the following account and they have not updated as of yet and are being negligent. 

XXXX XXXX XXXX Account ending in XXXX confirmed balance of {$520.00} with a credit limit of XXXX. 

Loan Account Number XXXX original amount of the loan was XXXX and the remaining balance of the loan as of XXXX is {$50.00} to be reporting Loan Account Number XXXX original amount of the loan was {$25000.00} and the remaining balance of the loan as of XXXX is {$50.00}. 

I attached documented proof and I want the accounts updated effective 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 non-monetary relief
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX POSTED AN UNAUTHORIZED INQUIRY TO MY REPORT ON XX/XX/2022.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have repeatedly tried to lift a freeze my Transunion credit report online. Every time i check the site, it is unable to determine the status of the freeze on my report. Every time I have to call customer service.

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 2022-08-02
Company: Lendgo, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received an email from a company called " LendGo '' that said refinance rates as low as 1.99 % were available with no fees. I clicked on the website and input some general information and submitted it. My phone almost immediately lit up with calls from mortgage lenders. None had rates below 4.6 % and a couple pf them had the grace to laugh at the 1.99 % rate that LendGo was referencing. 
So, while I was not harmed personally, I think that this company is using false advertising.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I would like to see the Description of Procedure of Reinvestigation that was conducted to verify my account from the reporting that was claimed to be identity theft however came back verified to claim ( s ) # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: GA
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 believe my personal information was breached and I have requested these inquires to be removed from my credit file but Experian refuses to remove them. PLEASE DELETE THESE INQUIRIES I HAVE NO IDEA HOW THEY GOT ON MY CREDIT PROFILE. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXXEAccount Number : XXXX days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX  XXXX Account Number : XXXX days late in XX/XX/XXXX, XXXX XXXX XXXX and 60 days in XXXX XXXX. 

XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXXXXXX30 days late in XXXX XXXX, XX/XX/XXXX, and 60 days in XX/XX/XXXX. 


I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-10-23
Company: WELLS FARGO & COMPANY
State: MI
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:
Credit profile shows unauthorized inquires on report. 

XXXX, XX/XX/2022, WF CRD SVC, XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX  XXXX XXXX, XX/XX/2022,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit report act XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation