BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Still have one fraudulent hard inquires on my frozen credit made by XXXX and no other details. 
The company jumped from " In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. '' straight to " We hope this resolves your concerns. '' without any mention of resolution. Is that the work of a robot or incompetent employee? Anyways, 2 out of 3 fraudulent hard inquires on my frozen credit have been removed. The left the most vague one which is XXXX. Don't know what bank that is or how to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
bank of america closed my checking, savings, credit card account due to some one hacked into my online account and withdrew to a neg bal. i tried to explain i was not at the location stated by the bank bank stated the IP ADD was located in a different state. i have proof that i was in XXXX tx and said day. they closed accounts what money was in accounts was never returned and flagged credit report, and 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 2015-12-01
Company: Filings and Claims Inc.
State: CO
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Was contacted 3 weeks ago and set up a payment plan for a check that is from 2008 they told me if I did n't get the {$250.00} paid off that they would be charging me {$1900.00} and take it out of my tax return. 
A week before the payment was due they called repeatedly about 6 times through the week to remind me over and over of my payment. 
My payment was due today but I had not gotten to the bank yet to put money in. They started calling at XXXX and called my phone XXXX times in a row back to back. I was in a different room dealing with my neices at the moment. I had answered the XXXX call from them and told them to stop blowing up my phone. They called back XXXX more times in a row. 
This is harassment and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: CITIBANK, N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have had a bank account at Citibank for 13 years. At the time of opening, i negotiated a package with no monthly fee and no minimum. I just noticed on my online account that I am being charged a monthly service fee of {$25.00}. I looked back, and this fee was assessed month after month since XX/XX/XXXX. A total of {$270.00}. Citibank CLAIMS they sent me a letter telling me of this change, but they could n't have because I never would have agreed to it. I called and made a stink and only got {$100.00} back. This from someone who has XXXX bank accounts, a credit card and mortgage with this bank, and who certainly has less money to burn than Citibank does.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-07
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received documents from a local processor or server from MCM Midland Credit Management , Inc. also Midland Funding. All of these names or company names are on XXXX sheet of paper of the letter. It is for a debt that is being collected for XXXX, also XXXX XXXX XXXX Bank. I called and made arrangements for this account to be taken care of by allowing them to collect {$50.00} a month until the debt was paid. They have since taken out two months worth of payments. I received another set of paperwork, that is dated XXXX XXXX, 2015, and it states that I need to sign the documents and send them back, or " Failure to sign and return these documents will delay the settlement of your case and may result in the continuation of litigation. '' I called the office of this company and/or group of lawyers, as on the documents it lists XXXX names of attorney of which only XXXX signed? I am really confused, so I had my wife call to get information as to why I need to sign this after making arrangements two months ago and they have already agreed by taking payments out for the Months of XXXX and XXXX. When my wife called, the lady who answered was very rude and kept asking her if I was being represented by an attorney and my wife said she had consulted someone. The lady at this office would not transfer my wife to the account manager unless she answered her questions as to whether I had an attorney or if I was being consulted. My wife said, just transfer me to the account manager. The lady stated our account manager was " XXXX '', but she refused to transfer my wife to discuss the matter and find out what exactly to do and why. My wife was frustrated and hung up because the lady was rude and would not even let her finish her sentences. It 's impossible to deal with people who wo n't answer questions and explain details, therefore, why am I making an effort to pay a company that deals in this manner. I have made many arrangements and have successfully paid old debts, on time since our lives have come back together financially. I do n't feel I should have to deal with a " gate keeper '' in order to pay this debt or be insulted in order to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: INTERFIRST MORTGAGE COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced a property with Interfirst. Loan only, no escrow. Made XXXX payment and then they sold it to another firm, also called Interfirst ( but the loan number changed ). Once I had made a payment, I set up online access and checked my account. I found I had a past due amount of {$2400.00}. I called to complain, and eventually they discovered that my mortgage had incorrectly been flagged as escrow, so they had sent a check for {$2400.00} to my property insurance company. Once they realized it, they called that a balance due and wanted me to send them a check in the same amount to cover it. ( But one person there, in their insurance department, said that the escrow flag had subsequently been removed, so if I sent the check they wouldn't be able to handle it, and would just apply it to principal ). Another person said, no, send the check- it'll be fine. So I sent the check on XX/XX/22 and they cashed it on XX/XX/22 ( see attached ). Today I received a statement ( attached ) showing a past due balance of {$2400.00}, and indeed, the XXXX I sent them had been applied to my principal. They are generally incompetent, in my experience. I want them to apply the payment I sent them to the past due balance that they caused me to have through their own incompetence.

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 2017-01-21
Company: College Loan Corporation
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I noticed on my credit report this student loan was reporting as 90 and 120 days past due in XXXX and XXXX XXXX.I believe this information to be erroneous. I have tried contacting this company and contacting the credit bureaus to no avail. There are several reasons I do not believe the reporting is erroneous : 1. I am attaching a copy of my college transcript which shows me full time enrolled through summer quarter 2012, which would have ended in early XXXX 2012, which would have meant my loans should have been in forbearance. The would have been removed in XXXX so the most the loans could have been in 30 days past due. 
2. I was never given any information from the lender about the loan. I called the lender last night and spoke with XXXX, who was very helpful. He advised that calls were made to phone number ( XXXX ) XXXX. That is not and has never been my phone number. My phone number is area code XXXX. I had XXXX repeat the phone number on file twice. He also advised a correspondence was mailed to XXXX XXXX XXXX That was not the correct address for me at that time either. 
XXXX advised me that during a call to set up payments on the account in XXXX 2012, when my account was current and I was being proactive, I would have supplied the lender with the false phone number and address. That seems illogical for someone that proactively called in a made a payment. I pleaded with him to pull the call and listen to see what occurred. He called me back this evening and stated the call ca n't be reviewed due to retention policies. However, he advised that he has to assume the lender did what they were supposed to do. So if you do n't know who made the error, it has to be the customer? That seems unfair and deceptive. I feel helpless in having this issue resolved. Please 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 explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: AL
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 filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reportin

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 2022-08-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: EQUIFAX, INC.
State: WA
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:
Originally noticed a hard inquiry on my credit report on XX/XX/2019. Called Issuing bank and requested to have the account closed due to identity theft. 

Noticed on XX/XX/2019 that the account now has a balance of {$890.00}. Called XXXX again on XX/XX/2019 at XXXX PST. Spoke with XXXX, and was told no one ever documented that I wanted the account closed or that it was fraudulent. Explained I called before, and XXXX stated he would close the account and take care of the issue and I would not be responsible for the outstanding balance due to it being fraudulent. 

Since then, I have put a fraud alert on my 3 credit bureau accounts, as well as freezing my credit files. 

I received a letter in the mail on XX/XX/2019 from XXXX bank with a NEW credit card. I called on XX/XX/2019 at XXXX and spoke to XXXX . He stated that they decided to open a new credit card to pay for the amount due on the account that was previously closed, because they determined it was " my account ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
After a short sale on our home, a XXXX XXXX home equity loan was not forgiven. Though I tried to settle, I never received a response from XXXX XXXX. A couple of months ago, I called XXXX XXXX and was casually informed that XXXX XXXX decided to mark the loan settled in full and the balance owed is {$0.00}. However, they could not send me anything in writing confirming same. In addition, although the item is now reported as " closed '' on XXXX and XXXX, on my experian credit report it remains open, as if there is an open balance. I asked wells to fix it and they have not. I disputed the item with experian, and after an investigation was performed, the item was not changed, and remains as an open balance. This item on my experian credit report is not allowing me to get approved for a mortgage. I feel I have done all I can, but am hitting road blocks in every direction. I feel XXXX XXXX should have correctly reported this home equity line of credit as closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute with the 3 credit breuaes and I was no given a formal investigation or a response for the accounts I disputed! Transunion sent me a letter that had nothing to do with the disputes claiming it was someone else.

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 2022-04-12
Company: CURO Intermediate Holdings
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This Speedy Cash Loan Was Supposedly to Have Been Granted On XX/XX/2021 For {$1400.00}, Account # XXXX. I am Completely unaware of any of this. I received what current information from The Collection Agency following an update from My Credit Report. Someone also recently had a Fake account in my name with The XXXX XXXX XXXX As Well Tht I had to recently get closed. Ive frozen my credit account in XXXX due to Suspicious activity concerning fraud & someone constantly trying to get accounts & loans in my name. I attached a letter from The XXXX XXXX In Proof that Im Having this current issue with ID Theft. Theres Been Several Attempts, Ive Attached Those As Well, Someone Ever Attempted To Change My Mailing Address. Ive Never Owned Or Had A Email Address Other Than My Primary & Only Address Which I Have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Was targeted for {$500.00} business checking offer. Fulfilled requirements. Have not received my payout.

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 2022-09-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am being charged interest when I paid my card off and when I went to make payment on a late fee I was not able to access account. I tried to contact customer service and their system was down its been months and still cant get a hold of a representative. This is after we were told we would not be charged for not being able to pay on time because of their system problems and I was charged almost {$37.00} plus interest on a card that is paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-24
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have spoken with Navient on several occasions. The first time I spoke with a guy and I am assuming he pulled a TLO because he knew who lived in my household. He then told me  Navient will g o after mother and my sister because they are co-signers and they are n't. I have explained to them that I can not afford to pay them {$1100.00} only {$200.00} will go to the principal ... so they did an income expense they see that I barley have {$100.00} left over and they still want me to pay {$350.00}. They call me all the time today they called me twice in the same hour. They want me to pay {$150.00} to refinance the loan and my payments will start over in  XXXX  and I will be back in the {$1100.00} boat. I ca n't afford to prolong the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
i spoke with a representative XX/XX/XXXX a sr account manager she informed me my account was restricted on XX/XX/XXXX i was never informed by any representatives or statements that my account was actually closed and i no longer have or will ever have access to it. i was told previously when i made my first payment that i would eventually have access to my account but the representative couldnt give me an actual date because she said it was computer genrated so i went along with making my payment of XXXX which is an over payment because my statement only required me to pay XXXX for XX/XX/XXXX. when i called in with questions i am certain that representative seen my account was closed and i would never have access to it but instead of her giving me the option to pay on a closed account i was lied to and deceived into making a payment without my permission on a closed account, yet when i spoke with a representative i informed her that my credit report does not show my account as closed but your telling me that it is and she is telling now that its not closed its restricted but you can never have access to it but its not close ... which does not make sense ive been told so many stories and have spoken with 6 sr managers and no one is making sense to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Nelson Cruz & Associates LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I dont know who this company is and they keep sending collection letters to my relatives addresses. These letters are obviously harassing me and I dont think its right. They have no right to be sending letters to people related to me when I dont live there. They are making me feel threatened. I will be speaking to an attorney for harassment. I am no expert when it comes to legal stuff. But i know that I could file charges against them for harassment. I have never had an outstanding balance with XXXX. Their merchandise was obviously returned. And its been like 6 yrs that I havent been to any of their stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address showed up on my places I've lived an I've never live in Florida in my life, an secondly you keep lowering my credit scores saying I've been late on credit card payments, I usually pay them early!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: IL
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 Reporting act XXXX XXXX XXXXaccountNumber XXXXhas violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

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

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 2020-03-27
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I call GM about helping me out with my Lease payment, since I lost 66 % of my income and they said that the only persons they are helping are those customers that have finance their car and not the people who have a Lease them. I think that's unfair since both have to make car payments. I feel GM talks  lot and dose very little to help all customers.

Company response to consumer: Closed with explanation