BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: Skopos Financial, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Thank you for taking time to read my complaint. XX/XX/XXXX I was in a bad spot and didn't have any time to get my credit in a better place before purchasing a new vehicle. I was pretty much left with no choice but to have a high interest rate loan with SKOPOS Financial. I purchased a XXXX XXXX XXXX with XXXX XXXX miles on it. The interest rate is a daunting 23.99 %. From the very beginning of the loan I had a hard time paying it seeing as though the loan was {$540.00} per month. A few times I got behind and although the company allowed me to add 3 payments to the back of my loan I just can't afford it. I had plans to refinance the loan to get a lower interest rate but I couldn't because the late payments kept my credit score down. I started working diligently on my credit XXXX of XXXX and that's when I started doing extensive research into my automobile loan and I realized that over the last 2 1/2 years I have paid {$11000.00} to this {$20000.00} auto loan and of that {$11000.00}, only {$1300.00} has been applied to the principal amount. {$10000.00} has been applied to the interest. According to my online account I still owe {$15000.00} in interest on top of still owing {$18000.00} on the principal balance. I have spoken with quite a few agents at SKOPOS and no one can seem to help me somehow get out of this loan. I have tried multiple times. I went as far as trying to go through XXXX XXXX and my Credit Union to refinance the loan. The car is currently worth only {$6500.00}. I've taken it to about 9 different car dealerships to try to get from under this loan with no luck. No one will take on the negative equity. It was suggested to me to voluntarily give my car back and try to hurry and find something before it shows up on my credit report. I am at a stage in my life where I am diligently working on my credit and I don't want to ruin my credit by going about this the wrong way. I need help getting away from this company. I take full responsibility for having a few late payments. I am correcting my mistakes. At this rate I will NEVER finish paying off this auto loan.

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 2020-04-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In the summer of 2018 I received an email from USAA, my credit card company stating there had been a change completed to my account. Once I logged on, the company had reduced my credit limit from {$18000.00} to {$2500.00}. They said they ran a random check of my credit report and lowered based on the score. Now, this is not a brand new card. I've had and used this credit card my entire adult life ... Well over 30 years. I never have had my credit lowered by any company. In addition, I know I had taken a hit on my credit score so I wanted to improve my income to debt ratio. I paid off my entire balance with USAA in 2018. My balance was approximately {$14000.00}. Due to the company lowering my credit limit, it lowered my credit score drastically. Thus, as I have been actively working to improve my credit score, USAA continues to thwart my efforts by lowering my credit limit. It completely affected my income to debt ratio, which is why I paid off the debt completely. I could still be running a balance with USAA and they would not have touched my credit limit. 

I believe USAA is manipulating it's credit to it's members. I had USAA for my homeowners insurance and I dropped their coverage. Shortly after this, they lowered my credit limit. 

Since my credit limit was lowered by over {$15000.00}, I've had to work to try to improve my income to debt ratio. {$2500.00} was not much for me to use. I have newer cards where I was automatically given a {$5000.00} credit limit. Twice as much as USAA authorized for a 30 year member. It was improving my income to debt ratio. 

This weekend, USAA continues their deliberate attacks upon my credit again by lowering my credit limit to just {$500.00}. This time it is for non-use of the card. This is ridiculous. I've been with them for over 30 years. It's probably been close to a decade or longer where I had a late payment. I still have their auto insurance. My payments with my other accounts are on time. 

Actually, my payments to all of my accounts are listed as 99 % on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Pursuant to complaint # XXXX I heard from Comenity Capital Bank XXXX XX/XX/2022 ) that my issue was resolved. The explanation was that my payment of {$73.00} had been applied to a previous credit card with the XXXX XXXX XXXX, not the one I recently opened for my purchase for {$73.00}. ( I had not used the previous one for years and forgot about it ). It was the new card for which the interest and late fee charges had increased to almost {$200.00} so I filed a complaint with CFPB, and number for that is listed above. 

However, just this week I received a bill from XXXX XXXX for the old account ending in # XXXX with a balance due of {$53.00}. This included a listing of all the refunds per late fees and interest. 

I also received a bill from XXXX XXXX for the new account ending in # XXXX with a XXXX balance. 
# XXXX. The two bills are attached as is the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I live in XXXX I recently applied for a refinance loan with 53 Bank to combine my mortgage and equity loan together for a lower interest rate. I have had my mortgage and equity loans with 53 Bank for over XXXX years. 53 Bank recently ( XX/XX/2015 ) did an appraisal of my home with a company XXXX XXXX located in XXXX. The appraisal valued my home at {$60000.00}. The appraisal appeared to be based on foreclosed properties and/or condo properties. At one time 53.com appraised my property at {$140000.00}, a couple of years ago at {$120000.00}. 
My complaint is that I feel that 53 Bank uses improper appraisals to deny mortgage loans in my area

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: MI
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:
Since XXXX, each year I have so much trouble with the credit reporting agencys said because of Covid-19 Lacking customer service online services and no live customer service I have spent hours trying to navagate+dispute errors and recieve my free credit reports without haveing and forced to buy their credit moniotoring services to get my credit reports.I know XXXX did not raise my credit score at all while I repaired my credit from XXXX to current XXXX. XXXX has caused me undue stress, kept my scores down while other reports raised as bad debt was lifted.And offer a credit boost but does not have any of the credit unions I was a member at to utilize my monthly paid utilities on time.Plus I have never obtained one free or purchased credit report when ordered all they give is access to the web.Now I am in court with XXXX  XXXX XXXX XXXX when XXXX bought the debt and I was not allowed to dipute with XXXX at all from XXXX XXXX XXXX and now its XXXX and I am unable to dispute fraudulently created XXXX card.With XXXX or any other reporting agency.Something like a third party attches to my access and keeps me from sumitting my requests. 

It has been a ridiculous time consumeing and to have to struggeled with XXXX & Equifax credit reporting. agencies forced to use their web sites. Then keep the consumer from logging in, from provideing statements kept from disputes kept from Security Freeze lifts ( he web sites are impossible to get a credit report mailed to your home address.I do not feel I should have to pay for my free annual credit report.Or have to find somewhere to print a pdf credit report I bought a home Last XXXX and MY credit scores never moved at all from XXXX  after I resolved multiple bad credit reports.My score stayed at XXXX while XXXX sored to XXXXAnd now I have fraud.I was notified by XXXX  XXXX my credit scores have been decreasing.Thru XXXX XXXX I saw someone opened a XXXX credit card.On the XXXX reporting site.I have not been able to submitt any statements or disputes due to Covid19 excuses and lack of customer service provision unless I write and wait 30 days is what it took me to aquire credit reports in XXXXand these credit reporting agencies hold consumers hostage and exspect them to buy a service from them to review or dispute and item. they carry on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Issue: Advertising and marketing

Complaint:
This weekend I went into Costco to look at getting the Citi Visa card I saw advertised while previously pumping gas at a Costco gas station. My main interest was the cash back the card offered. the main advertisements I saw in different places were the high percentages of " cash back '' for different purchases. After consulting a Costco associate at the customer service desk, she confirmed all the things I had seen in the advertisements about the reward, I decided to fill out the application. The application was taken via iPad mounted on the desk. Near the end of the application it asked me to confirm that I had been given the full written disclosures in writing that I could keep. Before I confirmed I asked the associate If she had planned on giving the disclosure and she replied, " Yes, I have them here to take with you if you want when you 're finished. '' I then completed the application and was approved. It was n't until later at home when reviewing the disclosures did I find out that ( on page XXXX of the brochure in much smaller font ) that the " cash back '' bonus was only given annually in XX/XX/XXXX and that it was n't issued as cash at all. Its issued as a coupon only redeemable at Costco. This has proven to be very deceptive advertising and customer service practices. Under the CFPB 's UDAAP guidelines the reasonable customer would never find out in this process the true aspects of a false " cash back '' offer. Its also to be noted that the main informational brochure has on the front page " GO BIG WITH CASH BACK REWARDS '' ... keep in mind that the words " CASH BACK '' are by far the largest font on the entire brochure. On page XXXX of the full credit card agreement it states, " Requests for cash MAY be fulfilled in the form of a check at Costco 's discretion. '' How is this in any way cash back? This is basically a coupon or gift card only to be used at Costco. It would be completely different if the advertisements stated 'Cash Equivalent Back '. As a reputational risk this could easily be viewed as predatory lending relying on customer 's relationship with Costco and the high likelihood that customers wo n't find out the true aspects of this reward program until far later causing unavoidable material financial harm.

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 2015-11-02
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
This is in regards to a Home Depot credit card. I went into the store to make an {$11.00} purchase and was approached at the register by one of the store employees who represented herself as being one of the people in charge of signing up customers for credit cards. She told me that if I filled out a credit application that the purchase I was making would be free of charge, simply for making the application. I gave her the information to fill out the card and was cashed out at the register. Since the purchase was so small and had been represented as free of charge, I did n't bother to check the receipt for how the transaction was actually done.I do n't have great credit, so I was n't sure if I would even be approved, but I was. The first statement came in the mail and had an outstanding balance of {$1.00} and change plus a finance charge or {$2.00}. I immediately called the company to tell them of the deceptive practice, to cancel the card and refuse payment. Over several months, I have called and written to the company regarding this matter, even using the email option provided by Home Depot ; getting no satisfaction. I just keep getting bills with additional finance charges and late fees. I can see that eventually this to will be added to my credit report as a bad debt. Per your instructions, I am sending a copy of one of the bills I have received, but it is an older bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-29
Company: Apelles, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has an unethical practice, bullying XXXX into paying above and beyond what they owe. 
I paid monthly fees for security services on my in-laws home in XXXX, FL. starting XX/XX/XXXX. The in-law moved to XXXX in XX/XX/XXXX & expired on XX/XX/XXXX. The house was sold in XX/XX/XXXX. The ONLY condition of Escrow was for the new owner to take over the remaining XXXX contract. XXXX continued to bill my credit card through XX/XX/XXXX. I called them to inform them of death of the owner & sale of the property as well as the condition of the escrow. After my call in XX/XX/XXXX - which they still have on record, I received no monthly statements and no notice of delinquency until a collection notice was mailed to me from XXXX onXXXXXX/XX/XXXX for a sum of {$870.00}. 
I called XXXX last week & they admit to all of the above but claim I " did not cancel my contract '' This is an unethical practice by XXXX. The clients are XXXX & unable to defend themselves. Most will pay these unjustified charges simply to protect their credit. 
THEY NEED AN AGENCY LIKE THE FTC TO PROTECT THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: IQOR US INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Allied Interstate calls my spouse 's phone repeatedly and continuously using various different phone numbers. In fact, my spouse has XXXX different phone numbers now in her phone as a " contact '' for Allied Interstate. Just today, they have called 3 times in 3 hours between 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 2020-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
The Capital One Rewards card we have been using for over 20 years did not send us a new card this year. Our renewal date is XX/XX/2020 and we have not received our card in the mail automatically as we have for years. Called about it and they are stalling and will not renew our card. We pay our bills monthly, no problems. They have not sent us a new card so it looks as if they are going to dump us. Question one : Can they do that to a customer they have had for years. Question 2 : Why would they do that? We are Senior citizens staying at home because of the Virus and now we have no credit card to use due to no fault of our own. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2015-07-02
Company: Nations Recovery Center
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Nations Recovery has contacted my place of employment three times since I asked them not to do so in XX/XX/XXXX. I work at a call center and they have called our customer service line and asked another CSR to speak to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I paid my balance on my Macys credit card in full. I now see that they have been charging me {$2.00} a month for the past several months. They have also closed my account and I 'm sure this has affected my credit rating as I am showing a past due balance of {$14.00} at this time.

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 2017-05-23
Company: DCN Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Keep getting a phone call from   XXXX   XXXX    ( 3rd Party )   XXXX   XXXX   XXXX  file number, requesting payment for  XXXX  office balance in collections.     I am not disputing the charge but would rather pay the  XXXX  office directl y (   XXXX    XXXX     XXXX   )  due due to unprofessionalism by  XXXX   XXXX . I constantly get call from them where I am being harassed, I get left messages intimidation such us, " serious issue involving yourself '' as if it 's life of death.     A t one time I was blind transfer red to someone else whom I was not comfortable with.     Also, never was known of a balance from  XXXX   XXXX  and that they would send to collections had I not paid, this was never disclosed to me, so I should be able to pay them directly as they never notified me that they would send to collections.     Just recently spoke to  XXXX   XXXX   ( not  sure of spelling ) and again was very rude, threatening to sue, telling me I should pay now when I explained I 'd rather pay the office directly, telling me, " get it out '' " what 's the number '' repeatably in regards to my credit card.     Again, I do not mind paying but do not want to be involved with  XXXX   XXXX , they show no courtesy to the customer.     Please help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Lender has contacted my employer several times. lender is also coming to my work harassing me and other co workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Based on the above bullet points, I and this situation falls into 2,3rd and 4th bullet points. 
At MY parents house, they gave me a letter that was for a potential garnishment. I never was served NOR had notice of any hearing, case or issue that apparently turned into a judgement. on XXXX/XXXX/2015. I went to the courts to file and request a hearing on XXXX/XXXX/2015. 
My employer sent me documentation XXXX/XXXX/2015 of the garnishment basically stating that they are complying with it. I called the courts to see the status of the hearing. They have not yet set a date. The garnishment is from a XXXX Law Offices at XXXX XXXX XXXX. This is illegal and request your help in solving this matter. MY contact information is : XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX. I sincerely appreciate your help in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation