BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: NY
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:
Tried multiple time past year to have this one account XXXXXXXX XXXX XXXXXXXX removed. I CALLED XXXX the original creditor. My first delinquency with them dated back to 2013. So these credit bureaus are NOT doing investigations as they say they are. The consumer law states 7 years from first delinquency with ORIGINAL CREDITOR. Its been TEN YEARS. This is a violation of my rights. They REFUSE to provide any proof of any information they have. They show no proof how they investigated. Again VIOLATING MY RIGHTS. If they would do their job and investigate they would see this company is fraudulent!

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I do not believe the balance on my mortgage is correct. There amount is totally different from the one i get and there has been a raise in my monthly payment the last couple of years.The increase is done with my escrow account every year.

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 2023-04-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 2023-01-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Had XXXX XXXX XXXX 2022 from XXXX XXXX got XXXX again in XXXX of 2022. I had the homeowner assisted program state employee didnt summit the amount pass due and to bring me current on my mortgage. Im still behind and my case is closed.. Homeowner assistance program closed my file.. 
Im behind 6 months getting letters from state employees credit union and denial letters. 
Im still not fully recovered from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: CITIZENS FINANCIAL GROUP, 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:
Account opened XX/XX/2022 With Citizen Bank With in correct name XXXX XXXX XXXX I have no XXXX in my name With a false home address XXXX XXXX XXXX XXXX PA XXXX I believed my social security was stolen and other information was used to open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Discover financial services had a promotion being offered for me on my current account with them of 0 % for x months on balance transfers. My rate on my credit card from another credit card company was high so I thought I take advantage of this offer. I knew and read that the APR rate would change after the promotional period was over. Where I was mislead was I didn't see or at the very least understand that my payments would go towards the lower interest balance ( transfer balance ) first, then the regular balance. I transferred the balance from the other credit company and paid the transfer fee. I saw no disclosures that payments made on the account will apply to the lower APR account, or the balance transfer. Now I am paying interest on the account and this is contrary to the advertised 0 % balance transfer. Had it been made clear to me that my payments would be applied to the lower APR balance then I would have not made the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
Ive reached out several times to the transunion about disputing these fraudulent inquiries from my account. The inquiries are XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, and XXXX XXXX  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 2023-01-12
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I called CBE Group which is a collection agency for Charter Communications or Spectrum and requested to speak with a supervisor. I was placed on the phone with supervisor XXXX XXXX. I explained to her that I didn't realize a payment was due because I moved. She confirmed once I paid she would send in a letter of withdrawal to the credit bureaus and it would be removed once they received the letter. She explained that they don't do pay for deletion, but since I was unaware a balance was due because I switched residents, she would make an exception and send in a withdrawal letter which would wipe it off my credit completely. I paid the amount and she reassured me I had nothing to worry about. 

I called back XX/XX/XXXX and spoke to a team lead by the name of XXXX XXXX. He explained that the information she gave me was wrong and the most they would do is a letter of satisfaction. I explained to him that XXXX XXXX defrauded me out of a payment and to check the audio recording. He was reluctant to do so. I told him that I would be filing a lawsuit and his attitude was very dismissive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: CA
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX  - CARD SERVICE XXXX Balance : {$11000.00}

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 2023-04-06
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-05
Company: T.S. Holdings
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received a letter by mail or anything prior regarding a right to dispute from IQ DATA International IN. They called my employer maybe about two months ago and when I called back to check what it was regarding they were rude and told me I had no choice but to pay it. I hung up. Now it is showing on my credit for {$3500.00} and I have no idea what it is for. Today, XX/XX/2023, around XXXX, I contacted their XXXX number and the representative told me that he did not have any information to verify the debt. When I asked what my option was to verify the debt he told me that I can dispute it or write a letter to the company asking them to verify the debt. When I asked the representative for the address to send the letter he told me he did not have the address, wished me luck, and hung up on me. When I called back, another representative answered and told me the same but discouraged me from writing a letter saying that " sending a letter will cause the lender to say that I confirmed the debt was mine '' and that it was " not the safe thing to do. '' He told me that he sees it happen all the time and tried to encourage me to file a dispute through him at a charge. When I asked what the charge would be, he kept insisting on me giving my address first so that he can send me some paperwork. I told him I would just call back and he told me to be careful when I call back because " they will confirm the debt. '' All of this sounds like harassment and lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Dear CFPB, I have had this HELOC 30 year fixed loan since 2005. My agreed rate was 6.5 % for the term. Bank of America has been charging me 7.05 %. They are acting in bad faith as they refuse to rectify this issue. My outstanding loan amount is {$38000.00} or thereabouts and should be vacated and penalties assessed @ 10x the loan amount, $ XXXXPease assist me in addressing this matter. 
All the best, XXXX XXXX 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 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have autopay to pay Kohl 's bill monthly and my checking account info on file so payment can be deducted My XXXX payment did not get deducted and I was charged {$29.00} for past due I called Kohl 's customer service on XX/XX/XXXX and spoke with a man who did not listen to me. He just kept asking for a payments I'm trying to rebuild my credit since my husband passed away In XXXX This infuriates me Due to incompetentcy on Kohl 's part

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22
Company: ELITE FINANCIAL SERVICES 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: Public record information inaccurate

Complaint:
Elite Financial in XXXX, SC filed a judgement against me for an unpaid balance on car loan. I paid the judgement off on XX/XX/22 in the amount of {$1700.00}. However, they never filed a satisfaction of judgement with the county clerk and it is still showing on my credit file as a judgement. I am in the process of re-financing my home and my current lender needs something from Elite Financial that states it is paid. They are refusing to provide me that documentation and saying it is noe their responsibility to have it removed. This is impacting my closing date and affecting me financially. I have a copy of the check that was sent to them as well as a disbursement document from my previous lender if you need that. I would appreciate you helping me get this matter resolved as soon as possible. Thank you and let me know if you need further information. 

Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
Truist said they credit an {$85.00} XXXX XXXX credit on their website but however it's been about 3 months and the credits hasn't been issued on my enjoy travel credit 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 explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
XXXX XXXX XXXX on my car has deceased now {$4000.00} still showing old balance of {$6800.00}? 
XXXX XXXX balance is not updated? below? XXXX  % utilization XXXX XXXX XXXX balance on card is not updated? below XXXX  % utilization XXXX XXXX balance on card is not updated,? below XXXX XXXX utilization XXXX XXXX XXXX balance on card is not updated? below XXXX  % utilization XXXX at XXXX has been paid in XXXX! still showing unpaid??? incorrect!! 
All these balances are not being reported correctly at XXXX XXXX reporting agencies Trans Union XXXX 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 2023-01-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX a card was opened with ComenityCB/GoodsXXXX for {$3100.00}, I received the alert to my XXXX account and began to take proper measures to freeze my accounts. I am making this report and I will be making a police report and calling XXXX and XXXX to freeze as well. This account was not opened by me and it is fradulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been in constant contact with Southwest Credit Systems and have formally disputed this collection attempt with them directly multiple times. Finally, I was able to get in contact witXXXX XXXX, the original account holder, who was able to give me a clearer understanding of what is going on. Southwest should not be reporting anything to my credit report and they need to remove whatever information they have placed on all 3 bureaus altogether. My XXXX  account is paid in full and was XXXX has confirmed the account is in good standing. There is no outstanding payment to be collected although Southwest continues to hound me regarding this. XXXX  has informed me this is illegitimate and that this needs to be completely removed. XXXX also promised that I would be removed following my final payment to XXXX directly. I have attempted to have XXXX conference calls regarding this issue with myself, XXXX XXXX and Southwest. They refuse to acknowledge the account is satisfied and in good standing with XXXX  They continue to be extremely predatory and continue to ask me to make payment on something that I have disputed multiple times with them. They have yet to check and verify with XXXX regarding this. I have contacted this company XXXX times since XX/XX/23. They have not returned any of my calls for the XXXX voice messages that I left with the Executive Relations department. They know that this debt is invalid and refuse to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act the list of accounts I have attached in my letters have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX US Department of Education XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 explanation
Consumer complaint received 2022-12-02
Company: MOHELA
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/22 - I called Mohela at XXXX and was on the phone for 1 hour and 19 minutes. During that time, I spoke to one person who told me my XXXX employer certification was not qualified because the signatures were not legible. How is a signature legible? It is a signature. The form is attached and signed by the HR representative of the XXXX XXXX I have worked in for the past 7 years.These forms were already approved by my previous lender XXXX. I asked to speak to a supervisor and was put on hold for over an hour. Nobody answered and when I called back the call center was closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation