BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Hello there, My Credit Card Limit was increased from $ XXXX up to $ XXXX without my consent and permission. I dont even know that during the moment i saw my " new '' credit card limit on my cellphone. Bank of America did that and I am wonder do they have a permision to increase ( rise ) my credit limit? Who gon na pay for it? I don need and never ask anyone to increase my limit. What about if i spent the money they gave me and cant fill out the balance. Just wonder! Please help me to get over that situation. I 'd want to protect my right and I need to know what the law says. Can I sue the bank and how. Absolutely agree they have to be punished about their action. Could you explain me please how that can be possible to get increased credit limit without asking for it in 21st century. Tomorrow they gon na increase me up to XXXX XXXX without my consent and permission. Who can stop the bank doing illegal things. They are mafia Also whole my life I am wonder why they can give me 1 % interest keeping my money for a year during they ask 15-25 % interest if I take a " loan '' from them? for same amount. I mean i can go to the bank make a deposit for $ XXXX and then they gon na give me a 1 % interest but in same time same day I can fill out a application asking for $ XXXX loan for a year and they gon na give me those monet with 15-20 % interest. WHAT is the difference why my action is named deposit and their loan. I can give them a loan also for 25 % interest a year who can protect my rights or I am sick to think about that like that. But please tell me what is the difference

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My balance was paid to {$0.00}. I contacted each individual credit bureau ( transunion, XXXX, and XXXX ) about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45 days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.

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 2020-08-12
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX I received a phone call from AFINI stating it was an attempt to collect a debt. I asked the rep to send me a letter and proof of said debt. 

2 weeks later I received a bill from AFNI by way of XXXX. The bill was not enough to verify the account. I have asked for verification but never received anything other than a bill. This account is now on all three of my credit reports and I was not given the opportunity to verify. 

The alleged debt is for the amount of {$530.00}. 

The collection company is also not license to collect in the state of TN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was notified by 5/3 Bank of a surplus in my mortgage escrow account on XX/XX/XXXX. Today is XX/XX/XXXX - 43 days later and I still haven't received a check. My understanding is that a check is to be mailed withing 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: V and H Portfolio
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Vance and Huffman LLC Have recently applied a collections account to my XXXX credit score. Vance and Huffman will not supply me with a copy of the contract I have signed. I am assuming it is because a contract does not exist. I believe this should be removed as I have not recieved any information from Vance and Huffman.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont know who this company is. 
I never signed a contract with this company. 
I never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: Santander Consumer USA Holdings Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have requested that Chrysler Capital send me all loan documents for my Auto Loan. They refuse to comply. I have offered to pay for copies of these documents ; still ... will not comply. They are hiding something, and I will find out. This is illegal and unethical on so many levels. What ever happened to loans being transparent for the consumer? Who knows what Chrysler is charging me if I can not see any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: NY
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 REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: RELIANCE FIRST CAPITAL LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was seeking to re-finance my mortgage to a lower rate. I checked XXXX, and discovered the lowest bid for my situation with a 30 year fixed rate mortgage was with Reliance First Capital , LLC. The indication rate was an APR of 3.315 %, a nominal rate of 3.25 %, and fees of {$3100.00}. We contacted XXXX XXXX at the XXXX, TX office of this firm. He established that both I and my wife have credit ratings of over XXXX. He asked what I would like our new payment to be. I simply said the lowest possible. He finally quoted a rate of 3.875 % with an APR over 4 % and fees of over {$5000.00}. He was very reluctant to provide the APR, and told us there were no fees. We had to badger him about what the new balance of the mortgage would be to finally understand most of the fees were in a higher mortgage balance. This sort of bait-and-switch behavior makes it very difficult to shop for mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: ERC
State: PA
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:
My balance was paid to {$0.00}. I contacted each individual credit bureau ( XXXX XXXX, and XXXX ) about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45 days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/2022 wanted to redeem points ( over 9000 ) for 1 % in cash and switch to different type of card ( same exact account number just better rewards ) this should have been a check issues for over 90 $ reciecved check for {$57.00} called and they said they would send a letter about it and the letter stated that they are unable to reverse redemtions and are final i dont want it to be reversed i want the 1 % that was promised by card and the person doing the transaction on XX/XX/XXXX before switching the card

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 2015-06-16
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
The cardholder XXXX XXXX passed away on XXXX/XXXX/2015, numerous calls to Target Card Services and mailing and faxing the death certificate to XXXX Texas is not helping, they keep sending a bill to our house, make toll free calls etc. This morning I asked to speak with a supervisor, XXXX who simply transfered me to another agent. The agent acknowledged they have received the death certificate. There is no estate and other companies have written off the debts, this company keeps calling us and sending bills even though we have done what they asked of us, to submit a death certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
MISSING INFORMATION ON MY TRANSUNION AND XXXX  MY MORTGAGE XXXX   MORTGAGE ACCOUNT # XXXX BALANCE XXXX HIGH CREDIT AMOUNT XXXX DATE OPEN XX/XX/2015 TERM 30 YEARS ACCOUNT STATUS PAID AS AGREED XXXX   ATTACHMENTS

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 2020-08-12
Company: EQUIFAX, INC.
State: PA
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:
It would be fair to have the negative remarks removed and the report showing it is closed NOT " in dispute. '' OR It would be fair to just delete the negative report after all the hours and days I've spent trying to remove or improve my credit with XXXX XXXX from some collections that occured to me during a medical injuries I sustained and was out of work for 4 months. I have paid all balances to {$0.00}. I don't owe anyone money. They can at least help a willing customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: FL
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:
Experian and XXXX have been reporting these fraudulent accounts under my name XXXX XXXX XXXX is fraudulent on my credit Account # 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 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPICATION ( INQUIRES ) IN MY NAME THEY MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-08-12
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Tellar assulted me. Key bank keeps blocking my acct. I have been discriminated against and they have been investigating for over 6months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Nelnet has been continuing to charge me interest on my student loans despite the fact that the federal government has told them not to due to Covid 19. Further, Nelnet has deferred interest on some loans but not mine and has given no explanation as to why which is discriminatory and in violation of the equal protection of the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: JPMORGAN CHASE & CO.
State: NM
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:
i applied for amazon chase credit card so i could get a discount on large amazon purchase. they approved me however they never sent me a card ( i didnt really want it anyway ) and i have never used if for purchase of any kind. they then call me onXX/XX/XXXXand say i am 30 days past due. after spending half hour calling them back and getting to someone who could help i explained my situation. i told them i never got a card nor used it for anything. they told me that it was a fraudulent purchase and that they would cancel the card send me a new one and nothing would be reported to credit bureaus. they in fact did report to credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been asking Equifax to remove hard inquiries that are not mine due to fraud. I have even sent them numerous faxes and letters along with police reports. I have been told they were in the process of removing the inquiries. I have been checking and calling everyday for months only to find they still remain on my file. Equifax has just now finally added my bankruptcy that had been discharged since XXXX. They have the wrong info from that. I just do n't know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: OH
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 HAVE MULTIPLE ACCOUNTS REPORTING ON MY CREDIT REPORT THAT I DO NOT OWN. I DEMAND ALL ACCOUNTS BE REMOVED IMMEDIATELY FROM ALL MY CREDIT REPORTS, IT WAS ADDED DURING A CYBER THREAT DATA BREACH.

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 2020-08-12
Company: World Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2018 it was open and they dont have proof of it being my debt and its messing up my credit from getting a house World Finance Co # 90

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX I opened the Citi Gold Checking account through a promotion offering XXXX XXXX XXXX miles. I completed the application using the appropriate promo code and took screenshots throughout the entire process detailing the promotional offer and the rules concerning it. I had to spend {$1000.00} on the debit card and complete XXXX bill pays within three months. 

After the application was approved and I had created my online access, I sent a secure message to confirm that the promotional offer was indeed attached to my account and to reconfirm the promo rules. The secure message agent at Citi confirmed the promotional offer for the XXXX miles was attached to my account. A few days later I chatted with a Citi agent to check on the progress of my promotion and what I had completed so far. Again I was assured the promotional offer was attached to my account and I was told I had charged a few XXXX dollars to the debit card and had completed XXXX bill pay. After completing the requirements XX/XX/XXXX, I sent another secure message to Citi to inquire how long it would take for the miles to post. I was told by this agent the following : " I have submitted an investigation to confirm you have completed the required behaviors and qualify for the miles to be awarded to you. '' I then received a communication from Citi saying, essentially, I would not be getting the miles. This was despite the fact that several agents had told me otherwise, and despite the fact that I have screenshots of my application process proving I correctly applied using the promo code. 

Since then the service at Citi has been pretty poor. I continue to get canned responses and no specific reasons as to why the offer wo n't be honored. Agents have assured me a follow-up investigation was opened, but it has been over two weeks since that happened and I have gotten no response. I feel I am being taken advantage of. Had I known Citi would not honor the promotional offer I applied through, I would have left my money in another savings account earning higher interest. 

To top it off, my wife applied for the exact same promo offer on the exact same day and completed the requirements in the exact same time period and she has already received her bonus miles. So there is clearly something wrong on Citi 's end. 

I would really appreciate some real help with this issue. I feel like Citi is not giving that to me, and is not holding up the bargain.

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 2020-01-09
Company: Experian Information Solutions Inc.
State: CA
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:
XX/XX/2013 a XXXX account was opened with XXXX XXXX. This account is a fraudulent account opened by my ex while I was XXXX for XXXX XXXX military service. I had no knowledge this account existed until my social security wages were garnished. Ive contacted the company and disputed this with 2 major credit reporting agencies. This account now reflects a XXXX balance and this is negatively effecting my credit score

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