BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: Credit Karma, LLC
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: Problem with personal statement of dispute

Complaint:
Credit Karma promised I would get approved for a loan. Which I applied and my score dropped because I wasnt qualified which they stated to me I was in the 100 % approval. I would not be going through this if theyve never offered it to me. This is not the first time this has happened to me while using Credit Karma, They should not give false information, especially to people like me who is trying to fix their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have 2 credit card accounts with Barclays Bank. I have attempted to pay off both accounts in full and used the total balance due as the amount to pay the accounts in full before the due dates shown on both statements. However, the amount shown as the total balance to pay account in full that was showing was insufficient and I was charged additional interest of approximately {$70.00} on one account and {$50.00} on the other account. My concern/complaint is that the total balance that should have been showing on my statement was in fact not the total balance and Im being charged additional interest. If I had known that the balance was higher I would have paid that amount to avoid any additional interest charges. This is very deceitful by Barclays because I was not allowed to pay off the account in full because they reported an incorrect payment due to pay off the accounts in full so they can charge me the additional interest for an additional month. I tried calling Barclays and the customer service rep XXXX in XXXX told me it was for residual interest but was not able to explain what that amount was not included in total balance due I asked for a supervisor and was put on hold for over 30 minutes after which I hung up.

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have three credit cards with XXXX XXXX XXXX. I was recently out of work due to the pandemic and was not able to make payments. I spoke with them and got my cards up to date, and asked them could they please remove the late payments that were reported to my credit report, as I thought the government asked creditors not to report late payments due to the outbreak. XXXX XXXX informed me that they could not remove the late payments. The late payments occurred in the months of XXXX And XXXX of 2020 on all 3 cards. Im looking to have these late payments removed from my credit reports as it is damaging my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: ALLIANT CREDIT UNION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Website shows Alliants COVID-19 Emergency Programs Throughout our 85-year history, Alliant has been committed to serving and supporting our members in good times and in bad. Today, were ready to help Alliant members impacted by the COVID-19 pandemic with emergency loan and emergency loan-modification programs. 

With my bad credit i was denied a loan. My credit went down last year due to my health issues. Ive been trying to maintain my credit however, being sick and XXXX took awhile to get had me go into collections on some stuff. Which ended up having me not able to get any loans from any lenders. 

How am i able to get out of this credit debt or pay them when I can not get a loan to help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: MD
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 719XXXX 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 2016-01-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
The bank ( Wells Fargo ) mistakingly applied a home equity line of credit payment to " principal only '' instead of interest and principal. The next month, when I went to mail a check, the account was in a past due status. On the payment coupon I recieve every month, there is no " principal only '' option, so someone at the bank decided on their own that I must want my account to lapse into past due status. As a result, my HELOC account was placed on restricted status and negative information may have been reported on my credit history. It was completely the bank 's mistake. They offered to retroactively fix it, but I believe my credit history has still been negatively effected. If I did n't say anything, I 'm sure the bank 's mistake would have gone unnoticed and I would have suffered for it on my next loan application. I want to bring it to the CFPB 's attention so other consumers wo n't experience the same poor record keeping and payment processing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Going through the options, there isn't a description adequate enough to describe my complaint or concerns. I have filed a pervious complaint only for Navient to gloss over the document provided and not address my initial compliant. 
" When Navient stated they have no record of my loan being closed and to submit a copy of the revelant section of my credit report, I did that. In my original complaint I submitted a copy of my XXXX XX/XX/2021 credit report where it clearly list my student loan as closed, account status " CLOSED. '' That's the reason for my inquiry. This caused my credit score to spike to XXXX and then suddenly drop again. I've already inquired with the credit company and they stated they are reporting what Navient reported. '' If my student loan was canceled under the Biden Student Loan Cancellation program, I want to know. I don't want to be paying on a student if that's the case. Navient needs to address the document enclosed with the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am a former employee of Wells Fargo. While an employee, I had all of my accounts there per the firms requirements. I left about a year ago and moved my investment accounts, but kept my checking, XXXX accounts and mortgages with Wells Fargo. I had a PMA account which would have a fee, but due to my having all my accounts there it was waived and ATMs at other institutions were credited back. Recently Wells Fargo sold their XXXX accounts to XXXX Bank. In doing so, my account was free at Wells Fargo and now has a monthly fee of {$3.00} a month without notice or ability to modify. Additionally, Wells Fargo no longer counts the balance of my XXXX towards my total balance at Wells Fargo which subjects me to monthly fees of {$30.00} a month and I no longer get the reimbursement for using non Wells ATMs. What bothers me the most is I was not notified in advance, and I have sent XXXX messages to Wells with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Linebarger Goggan Blair & Sampson LLP
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I understand that I have been reported to a collection agency for unpaid toll fines. I want to pay or settle the account. I 'm asking for the additional fees to be removed and that I am charged only for the original fee associated with the toll violation. I 've tried to call the collection agency but the hold times are in excess of 45minutes only to speak to someone that will not help resolve the balance. I do n't know how to move forward. Registration holds have been placed on my vehicles and this will only beget more fees. Can the bureau help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 global payments sent notice that they were reversing a previous decision to refund my money, and took the money back, XXXX out of my checking account. previously we had messed up a repair on a customers vehicle, that customer took his vehicle to the dealer had it repaired at the cost of XXXX so global payments went ahead and took XXXX out of my checking account. after numerous attempts to fix this called global payments one last time, no one will call back, after sending me on a goose chase with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
TransUnion, XXXX  and XXXX  has stated that they have verified the bankruptcy listed on my credit report by reaching out to the US Bankruptcy court. I reached out the US Bankruptcy court and was advised that they had not verified this is information. Im requesting that the Credit Reporting Agencies confirm when did they verify the bankruptcy information on my credit reports with the US Bankruptcy Court? Who did they speak with at the courts? If this information has not been truly verified as the CRAs has stated, please permanently delete the bankruptcy from my credit reports because the CRAs have provided me with false information which is against the FCRA Act.

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 2022-09-06
Company: EQUIFAX, INC.
State: PA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello I have been the victim of Identity Theft, and the thief has opened several accounts with Synchrony Bank ( which operates many different store cards ). I have been able to shut down two of those accounts but there are more appearing on my credit file as recently as two days ago. I am struggling to recover from this identity theft. 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
After many attempts to resolve these issues directly with TransUnion to no avail, I have no other choice, but to file a formal complaint against them for their multiple violations of the FCRA and my consumer rights. Please review the issues at hand outlined below : 1. TransUnion has consistently over the past several months pre-maturely deleted positive credit tradelines from my credit report reducing my credit score and minimizing my credit history to only 2 years which adversely affects my ability to borrow and/or build credit XXXX XXXXXXXX XXXX XXXX. While I understand that accounts can be removed after 10 years, many of these accounts were only 5-6 years old. 

2. There are multiple accounts that are reporting an incorrect last payment date which causes the negative accounts to report longer than 7 years which is allotted by law. Specifically, XXXX XXXX XXXX, which is reporting a last payment date of XX/XX/2018, 4 months after the vehicle was returned and the account was permanently closed. No such payment was made. TransUnion kept this stance for accounts that were included in bankruptcy, making the last payment date on every single account the date the bankruptcy was filed when many of those accounts received their last payment 2 years prior to the filing. This caused those accounts to report 2 years longer than they should have. 

3. There are closed and paid in full accounts that have a current pay status of " Account 120 days past due ''. XXXX XXXX XXXX {$40000.00} loan that is at a XXXX balance and has been since I sold the home it was attached to in XX/XX/2018, continues to report a status that just isn't possible. While the first mortgage with the same lender reports " Paid ; closed ''. This gives the impression to other creditors that I have a mortgage that is currently 120 days past due. I do not. XXXX XXXX states that they are NOT reporting the account this way and XXXX is reporting this on their own accord. Despite their efforts to correct this and mine, I am still being asked to send in additional documentation. This account has been in violation for YEARS. I am done sending in additional documentation especially when you could not ever be 120 days past due on an account that is closed and paid off.

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 2016-06-02
Company: V and H Portfolio
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been continuously called by Office Vance Huffman, XXXX XXXX XXXX, XXXX VA XXXX asking for my son XXXX. They have called my cell phone multiple times and have now threatened to report me for " illegal activity '' as I am erroneously representing to be XXXX. XXXX is XXXX and still a dependent. I have his permission to act in his name. They are calling about a bad debt for a " XXXX in XXXX New Mexico. '' First this was never rented there. Secondly none of my family has ever been to that city. Third the last XXXX digits of the social security number they provided are wrong for my son. Fourth, I am not sure how they even got my cell phone number. I have advised them on more XXXX phone calls to stop calling but they persist in their harassment. What can I do to stop this nonsense?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I checked my credit report it let me know that I owe XXXX XXXX dollars I did n't understand why because I did n't have XXXX before my first time I open a XXXX contact was XX/XX/2016 and I 'm currently with them now as my phone company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid all mortgage payments to Quicken Loans on time, and we were in good standing. 

One day, XXXX County told us that we actually did not pay the property tax, and they charged {$4000.00} + late penalty. 

I asked Quicken Loans, but they told us that the title company miscalculated the amount, and we would have to pay {$4000.00}. 

We asked our real estate attorney, but she told us that her title company did not make a mistake. 

I asked Quicken Loans again, and they told us that their title company miscalculated the tax payment, and they would cover the late penalty portion, but they told us to pay the missed property tax immediately and would have to pay {$250.00} more per month in the future. So, they basically admitted their fault. 

Last year, we borrowed an additional {$25000.00} to replace the entire roof ( about 5,000 square feet ) because XXXX/XXXX  did not allow us to renew homeowners ' insurance without replacing the entire roof. We had about {$9000.00} in our bank account, and we would have a financial crisis if we paid {$4000.00} in full Plus pay {$250.00} extra per month in the future. 

So, we asked Quicken Loans for some relief, considering the financial impact of their error and coronavirus. For example, - {$4000.00} one-time credit to cover this unexpected big payment ( so we can focus on the future $ 250 monthly payment ) - or, waive/forgive the interest payment for some period ( so we pay less amount without extra fee or interest payment ) They admitted their fault, but they refused to give us any relief even though we are having this issue by trusting their calculation and decided to borrow money from them. 

They just offered an option to spread {$4000.00} property tax over 1 or 2 years WITH expensive escrow fees. In other words, they made a mistake, they can make more money, and we will lose more money over time. 

As a result, we were virtually forced to pay {$4000.00} in full to avoid expensive escrow fees. We can not understand that they made a human error and caused big trouble and tried to make more money. 

So, we have {$6000.00} in our bank account, and still have to pay {$250.00} more per month. This is a very scary situation where we don't have much spare money in an uncertain economy because if we lose a job or get one more expensive unexpected bill, our home would be foreclosed. 

We also wonder if he was mean to us because we are XXXX. As you may know, many XXXX  are hated just because of coronavirus unrelated to us. Although they made a mistake, they just put a burden on the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Kikoff Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have file numerous dispute with reporting agency XXXX about this fraud account that does not belong to me that last dispute was file in XX/XX/XXXX i also files in XX/XX/XXXX i filed and sent documents as they requested the account has not been removed i filed the FTC report they removed all the other account and inquires but not the KIKOFF LENDING LLC account

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 2016-09-02
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card
Issue: Credit determination

Complaint:
Chase has a credit card labeled Chase Sapphire Reserve. I have applied for the credit card and was rejected due to having too many cards opened in the last 12 months. They wouldnt tell me how many " too many '' was. My credit is clear and I have been a customer of Chase for over a decade. I asked them not to increase their credit exposure by reducing the limits on one of my other cards ( total of {$34000.00} ) and they would not stating only that too many cards were open. I do n't understand why if their exposure is unchanged they are able to deny me a superior product advertised to present clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My wife and I went to our local Chase branch to discuss an issue related to fees. The brand manager became rude and unprofessional and refused to help us. I advised her of our intent to contact the CFPB and we left. A few days later the branch manger sent the police to our house and later they closed her account.

Company response to consumer: Closed with explanation