BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: GA
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:
This is XXXX XXXX XXXX submitting this CFPB complaint today to request the removal of the frqaudulent items reporting on my Credit Report. I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Im in debt consolidation program. One of the credit card companies is Nordstrom. Nordstrom has contacted my siblings, concerning my debt. I have never provided Nordstrom with my familys information. They are using third-party tactics to find my relatives. Im afraid they will call my job next.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The home mortgage has been transferred from XXXX XXXX XXXX to Shellpoint Mortgage XXXX. My loan was at a loan modification state. In last 20 days I have called several times and no one got in touch with me though on their website and representative promise that the turn around time is within 24 hours. My loan was in loan modification review statge, when it was transferred to Shellpoint mortgage. I have filed complaint with CFPB for mishandling my modification for last 9 months by XXXX XXXX XXXX and complaint number # is XXXX.

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 2021-02-22
Company: Phoenix Financial Services LLC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called them on XX/XX/2021 after i noticed a debt on my credit report of {$2000.00} i told themI am on XXXX and XXXX that they have paid well over XXXX and who is this from and how can I contat them they told me that they could not disclose this information and that they would let themknow that I was on XXXX. I researched on what they are required to tell me and one of the things it mentioned was the information of the original creidtor I called them 3 times and on all of the 3 seperate occasions they still disclosed the same information that they are not to give me the information as I am XXXX and all my other bills are paid I thought this was a fraud collection agency I did some research and it indicates they are in fact a debt collector agency althought they are they are not following the laws of not disclosing that information to me I feel that they should be reported to you as the Consumer Financial Protection Buereau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I went to the school back in XX/XX/XXXX and graduated in XX/XX/XXXX with a loan of {$40000.00}. The school has closed and I didnt even receive my diploma and have no way to receive it. Due to the closer of the schools ; because of fraud!! And now Im obligated to repay this loan??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: FL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$640.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 3. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a {$940.00} balance that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report. 
4. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 11 XXXX XXXX XXXX  Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 5. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence

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 2022-08-29
Company: CNG FINANCIAL CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I contacted Check n Go on XX/XX/XXXX to complain about the loan terms and their unfair practices to consumers. They logged my complaint XXXX and stated they will get back to me. I received feedback on XX/XX/XXXX basically telling me that I agreed to the terms and they could not help while the loan was active and would not be able to settle the account or come to an agreement until the account was in collections. My thoughts, if I wait for the account to go to collections, then it will be on my credit report, which I am trying to avoid by asking for assistance before it got that far. In the state of Pennsylvania, payday lending is considered illegal according to the Check Cashing Licensing Act of 1998, 505 ( a ). Pennsylvanias Loan Interest and Protection Law ( LIPL ) prohibits lenders to charge an interest rate in excess of 6 % per annum on a loan amount less than {$50000.00}. The Pennsylvania Supreme Court set a rule in XXXX that all lenders ( in-state and out-of-state ones ) willing to give loans to Pennsylvania borrowers must abide by the state laws. I will also file a complaint with the Pennsylvania Department of Banking, since I am and always have been a Pennsylvania resident. The identification and everything else used in the transaction was from the State of Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been trying to get Walmart credit card through Capital One to help me with my interest on both of my accounts with them. My interest is very very high and my family and I have been devastated by COVID in more ways than you can imagine. I am making the payments and have never been late once I need someone from the Corporate office to contact me in regards to my interest rates, and I do not understand why Capital One is not willing to work with me as I am struggling. I do not want to ruin my credit and need someone to discuss my options. I have called about 7 times and no one will help me so I had no choice to make this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: NY
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:
Unable to unlocked my report. I paid for Equafax premium service that allows me to lock and unlock my report. But every time my report is locked, it has been a problem unlocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I overdrew off my checking account at a bank about 4 years ago, and they went through the proper channels and had me garnished from my work, approximately one year after. The full amount that was due was taken.Courts sent me notice that the garnishment was finished and the amount was paid in full, yet it does not show on my credit report. Ive been trying to rebuild my credit but I unable to in certain areas dues to this misinformation. I would like it rectified, and closed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
discharged from bankruptcy XXXX 2015 I have paid my mortgage every month. Mortgage company sold my loan to another and new company saying I owe XXXX or will foreclose on my by XXXX XXXX. I provided proof of my mortgage payments still they persist that my account is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: SC
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:
All of my credit card accounts are incorrect. The balances reported are from 3 or more months ago. A new account was added today XX/XX/22 that was added 6 months ago. There is a credit one with a {$500.00} limit on my credit that shows and I have no knowledge of this account. All of my balances are reporting months late and my husband is on the same cards and his reports on time every month. I have spoke to the card companies and they are reporting on the close date every month.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
All of my credit card accounts are incorrect. The balances reported are from 3 or more months ago. A new account was added today XX/XX/22 that was added 6 months ago. There is a credit one with a {$500.00} limit on my credit that shows and I have no knowledge of this account. All of my balances are reporting months late and my husband is on the same cards and his reports on time every month. I have spoke to the card companies and they are reporting on the close date every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: Experian Information Solutions 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 status incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquires : XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX Name : XXXX A XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX : XXXXXXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Updated : 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 non-monetary relief
Consumer complaint received 2022-08-29
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had this credit card for over 8 years and have consistently been charged increasing interest rates even though i have been paying over triple the required monthly payment for years. In XXXX I requested a lower interest rate and was told i was up for review in a couple of days and that I would be getting paperwork in the mail in a couple of weeks. The recording also said this conversations was being recorded. I waited till XXXX and called again. The women told me I was not up for review until XXXX! I was so mad and told her what I was told by the previous gentlemen. She just apologized and did not offer a review or for me to talk to any one. I then called back and cancelled my card. I am now constantly seeing an increase in my interest rate on a closed account!!!! I called about it and they told me that its a variable and they are allowed to do that!!! I asked them why they didn't lower my rate during the pandemic when the prime was at 3 % if I had a variable? They did not answer. They checked into my XXXX and XXXX conversations and claim there are no traces of them. Of course not!!! Even though the recording said they were being recorded. This Company Chase is a scam. They lowered my credit score XXXX points right away! I may owe them {$140.00} for an exercise bike i purchased from XXXX  I have transferred all my bills to my checking account and contacted XXXX last month about paying for the exercise bike. They had me talk to Chase and they could not tell me anything because the account was closed. I do not want to send the {$140.00} in and it be shown as a payment. I feel they are illegally charging me increased interest on a closed account every time the interest rates go up.I would like to clear up the {$140.00} i may owe and I would like them to correct my excellent credit score that they ruined! Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Rewards

Complaint:
In XXXX 2015 my husband passed away and had an outstanding balance with AMEX and reward points. I was told in XXXX that if I sent them a copy of the death certificate and executor proof they would process the points for me. Called in XXXX, XXXX, and XXXX formal letter sent XXXX, form letters sent to me XXXX, XXXX XXXX,, XXXX called again and someone ( XXXX ) called back and told me I had to have a copy of the will, I faxed XXXX, called XXXX talked with XXXX to verify they had recd. Call yesterday telling me I needed an additional piece of info, either from an attorney or the court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2017-06-20
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I received a Notice of Eligibility from the State of NJ for the XXXX Forbearance. The instructions were to forward a copy to our mortgage company and ask for a letter of forbearance from them. I called my mortgage company on XXXX/XXXX/17 and was told to e-mail a copy of the letter. I did that and have not yet received the letter requested. They call me several times a week and do n't know about the letter. They put me on hold to look into it and then tell me to call back in 10 days. This is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
First there was a dispute filed against charges by XXXX, Bank of America has provided a specific date that the funds will be availbile. Keep in consideration that they provided 2 dates after the date they promised when I never received. This lead to a complaint which is the following XXXX ( CFPB ) So, I was lied to by a Federally ran company by mnultupole employees. So, Bank of America has not provided the refund according to the dates they stated. 

Issue : I put fuel in my vehicle for the amount of {$10.00}, I usually put between {$10.00} and {$30.00}. Well, I was charged by the gas station over {$100.00}. I immediately contacted the bank and informed them ; keep in consideration that they have not resolved the other dispute. 

1. I have never put more than {$30.00} of fuel in my car for at least a year or so, 2. The vehicle is only under XXXX gallons of fuel 3. Fuel price per gallon was not the price it is today 4. The gas station did not have any employee 's working, the door was locked and closed. 

The bank has stated that they will contact me if, again if there is anything that they need or that can potentially cause this to be denied. Well, first of all I was not concerned considering that I did don't put that much fuel i my car but most of all when my vehicle currently at the price per gallon cost {$74.00} to fill up again this is today 's price I did not thing that there will be an issue. 

I am confident, commutable to put my life on the fact that they have manipulated the entire dispute or actually manipulating me by applying the credit for the XXXX transactions than in conjunction taking out the funds that was already credited for the dispute for the fuel. This occurred the same day, 1., Did the bank provide me a single opportunity, 2. Did the bank ask me if I have a receipt 3. Did the bank consider small facts that can show that they made a decision that if this was a situation that was held i court that they would immediately lose credibility Bank of America favors merchants, or better yet merchants that actually bank with them. 
Why would a bank want to potentially loose a business account versus a personal account, so the way to prevent that is by making sure that they provide service to the other person and in return treat me life 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 2020-01-16
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2017-04-05
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
I made a on line purchase on a gaming website called XXXX you buy video games. How ever I purchased a game as a gift for my nephew called XXXX. due to the game being new his laptop did n't meet the requirements. This purchase was made on XX/XX/XXXX. So I went in on my account and requested a refund, which the web site stated I had 14 days to do so. I requested this refund on the 10th day. I let a eek go buy waiting for my refund and I did n't hear anything, I called my bank which I have my jobs direct deposit going into. I 've been with American Express bank since XX/XX/XXXX. I do n't get any help with regards t refunds with this account. this has happened to me several times. The replied to me by email requesting documentation on this transition. I sent them email screen shots of the purchase and ell as a screen shot of the refund request I had to request twice from them. the have denied my claim 3 times and I do n't feel I 'm getting the right judgement. I am going to close this account down due to the fact that I do n't get any help from the dispute department. We never got to play the game and I requested my money back in time so I do n't understand why I ca n't get my refund.

Company response to consumer: Closed with explanation