BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Account # XXXX no contract and no signature

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 2020-12-28
Company: Experian Information Solutions Inc.
State: GA
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:
I AM A VICTIM OF IDENTITY FRAUD PLEASE REMOVE FROM MY CREDIT ASAP.

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 2020-12-28
Company: EQUIFAX, INC.
State: GA
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:
I AM A VICTIM OF IDENTITY FRAUD PLEASE REMOVE FROM MY CREDIT ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSWORLD SYSTEMS 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting incorrect information to my credit report. 
-Two year payment history is incomplete with no data. 
-Date last active is incorrect with all three credit bureaus. 
-Bureau code is incorrect with XXXX showing joint owner on a single account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Let me off by saying that Ive had this credit since XXXX with a credit limit of {$750.00} with a excellent pay history. In addition, Capital One open another credit in XXXX and increased the credit limit without requesting it. 
Over the past 3 years, Ive tried numerous times to get a credit limit increase but denied. I received a letter stating to get a credit limit my XXXX XXXX was to pay more than the amount due for 3 months without any late payment. I have successful meet the criteria for a credit limit increase three times as recent as XX/XX/XXXX and denied. I followed everything Capital One asked for the credit limit and I do not understand why it is so difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account was negotiated and agreed upon as a pay for deletion. Account was paid in full. The agent that took the last payment assured me it would be deleted. It has not and is still showing a balance owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
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: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

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 2022-03-18
Company: EQUIFAX, INC.
State: PA
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 belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: PA
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 belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 is missing that should be on the report

Complaint:
Capital One is reporting incorrect information on my credit repot. 
-Capital one is reporting that I was late XX/XX/2020 on all XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I.C. SYSTEM, INC is attempting to collect a debt from XXXX XXXX for {$1100.00}. I lost my job and could not continue to pay as my family became XXXX. Ive just been awarded rapid rehousing and have saved up {$400.00} to settle the debt. I have not been able to reach the company in regards to settling. I am in need of financial assistance.

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 2017-01-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Arbitration

Complaint:
I disputed a {$240.00} double charge, and provided evidence of the mistake. After a month long investigation, Citi bank credited me {$9.00}. No explanation why, and when I call they told me they could not reveal how they got to that number. Not using them any more

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 2016-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have been trying to get my annual free credit report from all the agency so that i can dispute whats on their and every time they keep telling me i have to pay to get a report from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: PLAZA HOME MORTGAGE, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, For 7 months now I have tried setting up an escrow account for my mortgage. I have called Plaza 6 times and sent all insurance and tax information needed to complete the process. In XXXX I mailed the escrow cushion of {$3500.00} which was cashed by Plaza Mortgage. It is now XXXX and another notice has been mailed to me asking for {$3500.00} to start the escrow account. I have called and called and emailed and no one can help. Left a message on XX/XX/XXXX on a managers voicemail to call me to help resolve the situation. 

The company has absolutely no idea how to service a loan. 

The company is acting in a fraudulent and unsafe manor with customers and their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a piece of furniture in XXXX 2015. They advertised 12 months with no interest to pay the total amount. When I received my statement, I began making the appropriate amount each month to ensure a total payoff by the XXXX month. I made XXXX payments in XXXX 2015 so that I would be sure to pay off before the due date. Recently, I went online to check my account activity. They have charged a minimum service fee ( {$2.00} ) and a late charge ( {$35.00} ) every month. I have called and spoken to XXXX different customer service representatives/supervisors, with no resolution. They have offered to remove XXXX or XXXX charges. I have paid through bill payer from my checking account which shows XXXX payments made for 2015.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-09
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I turned in my leased ATS Cadillac to the dealer on XXXX XXXX, 2016 at the end of the lease in impeccable shape. The inspection from Ally was done 3 weeks after I turned it in. I have gone around and around with Ally several times why I feel the charges are not accurate and request that a manager call me - which to this date has never happened. I want them to give me an explanation on what these charges are for and why they are refusing to dismiss - since the car was parked in the lot 3 weeks in a super tight lot - who knows who dinged the car in that time period. 

The car was sold at auction - and knowing that they are trying to make more money from me when they made their money ( and more ) from the auction dealer - is even more ludicrous and appalling. 

I am filing this complaint especially after seeing the XXXX dollar law suit that has been charged against them - and the unfair practices that they are known for.

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 2022-03-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2016-09-29
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Earlier this year my husband and I refinanced our townhouse and opted for a cash out. XXXX XXXX XXXX XXXX mailed FedLoan Servicing XXXX checks dated XXXX/XXXX/2016 - XXXX for {$930.00}, the other for {$9500.00}. I logged into my account on XXXX/XXXX/2016 to check the status of the checks and saw that XXXX checks had been posted to my account as of XXXX/XXXX/2016, but that there was a remaining balance owed of {$17.00}, which I paid online and saw I had a {$0.00} balance. I logged in again on XXXX XXXX, 2016 ( the beginning of the new billing cycle ) to see if there was any further amount due, and my account was still at {$0.00}. This past Monday ( XXXX/XXXX/2016 ), I received an email saying I had a past due amount. I called the XXXX number and was told that the bank had sent a stop payment request for the check in the amount of {$9500.00} on XXXX/XXXX/2016 and that the money had been reversed from my account and the check returned to them ( 15 days after I made my last payment on XXXX/XXXX/2016 ). I logged into my account again, and saw the Paperless Inbox. I opened it and saw that there was a letter posted on XXXX/XXXX/2016, saying that there was an error with the payment, it had been reversed and the check returned to the bank. I was NOT previously notified about this letter, and there was nothing to indicate that I had unread documents in the Paperless Inbox. Our title company said that they had not received the check from FedLoan Servicing and requested a stop payment on the check effective XXXX/XXXX/2016. They confirmed that the bank had NOT issued a stop payment request on this check prior to this date. They are issuing a new check in the amount of {$9500.00} and will mail ASAP. Because of this, as of today ( XXXX/XXXX/2016 ) my account has accrued {$340.00} ( compounded daily ) in interest charges. In order to have this interest waived and/or disputed, I was referred by a FedLoan supervisor to the US Dept. of Education. She told me that she would be sending me something in writing for my records, and would send my case to the financial group for review. I 'm not sure if this has happened. I have contacted the US Dept. of Education, the Federal Student Aid Department, and the FSA Ombudsman Office to file a dispute with them ( which I have done ). I was told by someone at the Ombudsman Office that the FedLoan Paperless Inbox has been an issue for other consumers as well. I 'm still in the process of having this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
Closed three accounts with Bank of America on XXXX XX/XX/XXXX due to poor service and deceptive practice for overdraft protection which was charged to an XXXX XXXX XXXX credit card and then billed fees for cash advance. 

Called and closed checking, savings and Credit card. Bank told me to wait ten days for clearance of any or all charges. Sent me a refund check for savings and checking balances on XXXX XX/XX/XXXX. 

The reason I closed account was for overdraft charges to credit card and fees on XXXX XXXX and XXXX XX/XX/XXXX. The total was around {$260.00}. They never subtracted those fees, closed my accounts and on XXXX XX/XX/XXXX received an alert of delinquent account. 

Spoke with several Departments at BOA and each kept bouncing nme back and forth saying they can not help other department needs to help. Just paid so they would keep from ruining my 780+ credit score. Final call was escuse fronm Checking saying they can not see credit account and that is why they did not clear my charges before refunding my money. Spent at least 6 hours trying to get this straingt and still don't understand why BOA accounts don't interact with each other.

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 2017-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My Alabama state tax lien was paid and released in XXXX -- Income Tax Year : XXXX Case : XXXX Lien : XXXX However, it 's still showing up on XXXX of my credit reports ( XXXX and TransUnion ). The fact that it is still on my credit reports has caused me to be denied a loan and has also caused my FICO score to drop significantly. Other than this tax lien, my credit is PERFECT. 
I disputed this a couple of years ago but each of the credit bureaus told me that it has to stay on my credit reports for 10 years! 
You should also know that I was n't even aware that I owed the state of Alabama DOR any money. I did n't even know there was a tax lien until I noticed it on my credit reports! Needless to say, I paid it almost right away. 
I have worked very hard to maintain an excellent credit rating and have been a law-abiding and attentive consumer. Yet because of a ridiculous rule, I have to suffer this " punishment ''? When is someone going to start looking at these types of situations and realize that they only hinder the consumer? The whole credit reporting system has been messed up for years. 
I have attached a letter from the Alabama DOR stating that this tax lien has been " paid and released ''. How can I get XXXX and TransUnion to remove this negative item?

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 2015-12-26
Company: DISCOVER BANK
State: WA
Product: Credit card
Issue: Payoff process

Complaint:
I have been systematically overcharged interest by Discover Card for the past two years and I would like the overcharged amounts refunded. I had a series of 0 % balance transfers that processed last year, and I have been consistently making payments of {$100.00} each month. However my payments, instead of being applied to earlier purchases, were being applied to the later balance transfers, so my purchase balances were n't being reduced even though I was making payments well over the minimum. Then, as each promotional period expired, my monthly payments were suddenly being applied to the later balance transfers ( with unexpired 0 % promotional periods ), rather than the earlier ones, which were now accruing interest. 

It has always been my understanding that with credit cards in general, and under the account I hold with Discover card, payments are to be applied to earlier transactions before later ones, to higher-APR balances before lower ones, and to purchases before balance transfers. According to their own interactive guide on the Cardmember Agreement : " Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. '' Yet it appears that my payments have been consistently applied to 0 % balances instead of higher-rate balances, to later transactions ( with 0 % interest ) rather than earlier ones, and to balance transfers before interest-earning purchase balances. This appears to be contrary to the cardmember agreement, as well as fraudulent or at best dishonest. 

One way that they did this as you can see from the statements is that whenever a promotional period expired, the remaining promotional balance was added to the account as a new transaction, even though it was n't a new transaction. But even apart from that, my payments - which were always over and above the minimum and never late or in default - were consistently and entirely applied towards reducing only 0 % promotional balances, and not to EARLIER purchase transactions, and EARLIER balance transfers ( which were accruing interest. 

I have been charged a total of {$220.00} interest in XX/XX/XXXX and XX/XX/XXXX. I believe most of this was wrongly charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/2020 I sent out disputes to the credit bureaus. To my knowledge the credit bureaus have 30 days to complete an investigation. In my case, they didn't. So I followed up with a no response letter and still have not seen a change in my credit reports or was notified that an investigation had even been started. According to 611 ( a ) if the credit bureaus do not respond in 30 days the credit bureaus are supposed to delete the accounts in my dispute. Well, they didn't and they have been purposely ignoring my disputes. I am really considering filing a litigation because this is becoming stressful for me. The credit bureaus are not following the law and this is not fair to me. 
Please delete the following accounts immediately : Fedloan XXXX  XXXX 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 2021-04-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2020 I traded in my XXXXXXXX XXXX for a new nissan XXXX. Financing was to be provided by Nissan Financial. I traded my car at Nissan of XXXX XXXX in SC. 
On XX/XX/XXXX I received a call from XXXX Financial that I was late with my payment and they needed a payoff or the car. I advised XXXX that I had traded the car. Upon contacting Nissan of XXXX XXXX they stated that the financing was rejected by Nissan Financial and that I had to come back in and resign paperwork. I did this the next day. I was also told that they would get me credit corrected. I received another call from XXXX in XXXX that the car was still not settled and they had reported me late again to the credit bureaus. I filed a complaint with the CFPB to have this mattered corrected immediately with no resolution. This is the second time I'm am filing this and expect my credit to get corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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:
Please investigate and delete the followwing disputed account : XXXX XXXX XXXX  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 2015-07-27
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
AES loan terms have gotten to the point of being unreasonable. Even though I have expressed trouble making the payments, they have not attempted to work with me to pay them reasonably.

Company response to consumer: Closed with explanation