BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I would like to file a complaint against HSBC and XXXX XXXX for discrimination and gross incompetence. I have suffered from a financial hardship from the Great Recession and my spouse 's passing. We have been trying for a mortgage modification since XX/XX/2009 and have received unfair treatment, have been given misleading, conflicting and confusing information. This has been a prolonged loss mitigation review process in which the same documentation was repeatedly requested by the servicer. I have been told by our case manager XXXX XXXX that the loan has been transferred several times, when asked for details he could not/would not elaborate. 
We have been denied a loan modification XXXX times, each time for a different reason ( please see notes in my file ), the last denial being that XXXX XXXX does n't participate in any kind of loan modification program. Since 2009 we have applied for a loan modification, I was given the application that clearly stated loan modification, my case manager had said all along that we were applying for a loan modification, and now I am being told that XXXX does n't participate. ( Please review all of my case notes and any recorded conversations that you have ) and you will see the misleading information that I was given. 
I have XXXX young children, I want to stay in my house, I have no place else to go, my case manager had said several times that I would qualify for a 2 % mortgage with a XXXX year amortization schedule and a principal reduction to help reduce my financial stress. 
After XXXX of my denials I was told by my case manager that I was denied because I am a single mother with XXXX children and no job, I am offended by these comments and feel that I am being discriminated against because of my gender. 
Please give this your immediate attention and contact my brother-in-law that is helping me with my financial affairs ( XXXX XXXX, XXXX ). You have my permission to speak to him on my behalf, I have previously written a letter to the servicer on this ( you will see letter in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: CITIBANK, N.A.
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
one main financial ran an inquiry on my XXXX XXXX and XXXX credit reports with out my permission, and i cant even find out who this company or bank is

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Big Picture Loans, LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I borrowed XXXX. I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$260.00} finance charge, not {$4000.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: F.H. Cann & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company FH Cann and Associates began garnishment of my paycheck without serving me any paperwork. I don't know if I've been sued or what or when the court case was. They are also in violation if the CARE Act by refusing to stop student loan collection after XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX reported to Experian as an open account in XX/XX/XXXX and then reported as a close account until XX/XX/XXXX. Shows on Experian credit as an open account with a late payment and the closed due to pay off. 

The second issue is Experian listing my XXXX  loans from the same borrower for one totaling amount as four separate accounts

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 2021-11-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 2016-11-16
Company: Big Picture Loans, LLC
State: KY
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan in the amount of {$600.00} with Big Picture loans. At the time I accepted this agreement, the disclosure was not visible. I was not informed of the 989.6999 % APR rate until after the agreement was signed. I was told that there would be a finance charge of {$210.00} making the total pay off amount {$810.00} not {$4200.00}. I was unable to view the disclosure until after the loan had been processed and funds were delivered to my account. To this date, XXXX/XXXX/2016 I have paid them a total of {$840.00} and my account still shows that I owe them {$810.00}. I was informed by Big Picture that all of my payments went to finance charges reminding you that they informed me that the total payoff was {$810.00} including the {$210.00} in finance fees. 

Big Picture Loans XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Student loans are appearing on my consumer reports and I have not validated any of these debts. I have sent it letters to the consumer reporting agencies and am now waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
Citibank obtained my credit report without my authorization. I requested a credit line increase on XX/XX/2016 through Citi Online self service. At the time of my request, a disclosure explicitly stated and I quote, " It 's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision. '' Therefore, I went ahead submitted my request and received a confirmation email the next stating my request has been received and will be reviewed. I 'll be contacted with a decision. Several days later, I noticed my credit line has been increased. This happened without further communication from Citi. Earlier this month, when I was reviewing my XXXX consumer report, a hard inquiry dated XX/XX/2016 was placed on my credit report by Citi. I consider this an unauthorized since Citi stated explicitly a credit report would not be pulled and I did not provide my authorization for Citi to do so. This could potential prevent me from obtaining other financial products or receiving a higher interest rate than I would without this inquiry. I 've contacted Citi several times and was placed on hold and transferred with extended period of time with no solution provided. Eventually, I was asked to send a letter to a PO box in order to have this reviewed. I do not feel the burden of proof should be on me since this is clearly an error by Citi. I would like to leverage the assistance of your agency to have Citi resolve their error and the inquiry removed from my consumer report as soon as possible.

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 2015-06-23
Company: Risecredit, LLC
State: SC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Took out loan through Rise XXXX was advertised as a loan to help boost credit and get back to responsible borrowing. Used as consolidation - took out XXXX XX/XX/2014, now it is showing as owing XXXX I contacted lender multiple times asking for reduced payments, and payment arrangments, with no response. It is now charged off and with a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions 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:
To whom it may concern, I am a single parent trying to raise XXXX children. I recently checked my credit score. I have a few hard inquirys i never  authorized XXXX  XX/XX/2020, XXXX/XXXX  XX/XX/2020 and it appears on my credit report I never authorized anyone to run my credit on said dates and i did not try to apply for these cards nor did I ever with said companies. This is fraud and I would like removed from my credit file and to all credit agencies unless you can show me a document stating and showing me where I signed & gave permission. I have no relationship with either company. I also see there are Derogatory Marks the first one XXXX  which is on behalf of XXXX I don't owe them anything they are mistaken, XXXX on behalf of XXXX XXXX   they are mistaken. anything involving those 2 companies they were paid and it was resolved and no where near that amount of money. XXXX and XXXX  both on behalf on XXXX XXXX  pretty sure that one is also something not authorized by me. I am asking under the fair credit reporting act for these to be looked into and to be removed from XXXX, XXXX, experian and any reporting companies. Thank you for you time. I have also attached to photo 's so you can see what I am looking for to be removed as it is all inaccurate information which is hurting my credit 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 2022-04-14
Company: Experian Information Solutions Inc.
State: NV
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:
Multiple disputes submitted to get this bankruptcy removed that is reporting incorrectly. I have been disputing this for years with Experian. 

XXXX XXXX XXXX have removed the item that was being incorrectly reported. 

Experian refuses to remove and continues to electronically validate this item as accurate using a third party services This third party is reporting inaccurate information Please instruct Experian to remove the item as XXXX and XXXX have

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 2017-03-23
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My issue is n't with the debt collection agency, Penn Credit as they were merely doing their job, my complaint is actually regarding XXXX for failing to provide alternate payment methods ( other than traditional check ). My bank account is a green account, and I do not receive paper checks. If I want physical checks, I can obtain bank checks at both personal and financial inconvenience to me as a consumer. By failing to provide alternate payment methods, such as debit card payment or the ability to pay online, they 've significantly impacted both my credit, and my bank account. Every year since 2010 I 've had to wait until my account goes into collections in order to pay with a debit card. This practice seems to be both unfair and deceptive. I have to pay additional fees to the collection company to pay with a debit card, and also the balance of the personal tax increases nearly double in amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This issue is an on going issue and is physically and mentally draining. TransUnion is not impartial. XXXX XXXX was allowed this year to report each month a late payment so that it shows up on my credit report as late payments. That account was closed as of 2016 how can they report as late? Additionally Transunion allowed a {$290.00} false charge to remain on my credit for over a year. After I again sent prove it was incorrect they deleted the items. When an item is deleted Transunion is not crediting my credit report with increased FICO scores. The deleted account should be applicable with a score to match. Transunion allowed XXXX XXXX to delete my mortgage history almost two years ago thereby lowering my credit score. An erroneous medical debt for approximately {$800.00} was removed two weeks ago, they did not increase my score. They should be investigated. They removed an invalid collections item from XXXX and never increased my credit score. So it is situation after situation, where they do not do what is right for the consumer but rather big business. Check my credit history what I am stating should be easily be verified.

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: SKO Brenner American, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
SKO Brenner is reporting a debt that was charged off by XXXX XXXX in 2009 on my report in violation of FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 I sent inquiry to Chase regarding corporate fees and cost accessed to my loan. On XX/XX/2016 I received a response that I was n't responsible for corporate fees accessed XX/XX/2016 and XX/XX/2016 that they are non recoverable. I am concerned as to why fees and cost are being accessed on my loans when it is current. These fees were from XX/XX/2006. I had a loan mod and successfully completed the mod remaining current since that date. Why was n't these fees removed or rolled into the loan at that time? Why are fees and cost still on the loan XX/XX/2016? And if they were not recoverable why are they on my payment history in XX/XX/2016 10 years later? They are in violation of RESPA ACT. I also request recorded documents and letter dated XX/XX/2016 indicate they were unable to locate assignment of mortgage to Washington Mutual and WAMU to Chase. If those documents are not available how was Chase able to began foreclosure proceedings on my loan prior to XX/XX/2006 without proper documentation. Chase was violating many acts. I am demanding all recording documents including my executed modification. Being advised to go to the court house to obtain these documents are unacceptable ask have been paying this bank thousands of dollars. If my recorded docs are not available then where is these docs stored and can they retrieve these docs from that location. 
I would appreciate a response within 30 days. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX account name : XXXX has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : its also states a consumer reporting agency CAN NOT furnish an 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 non-monetary relief
Consumer complaint received 2022-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I am reaching out in regards to my my payment history. I would like to update it with late payments removed. The reason being is because these reports on my consumer report are causing me extreme stress. I am stressed because its not supposed to be there also making it hard for me to network. I seriously dont appreciate this. This is literally causing me hardship, these illegal practices being done! Late payments are literally illegal, Billing Error 15 U.S code 1666b. I would like to demand these be removed. Please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On XX/XX/2020 I received mail from Brinks Money and was surprised that what was inside was legal. Inside they included a prepaid card with my name on it, as well as an account number with XXXX XXXX. The whole mailer is setup to look like you requested this card and that all you have to do is go online and activate it. I'm worried people will activate the card thinking there is money loaded on it and then forget about it and get slapped with their fees of {$9.00} per month to use the card and then another {$5.00} per month for an inactivity fee. The whole thing just seemed very predatory.

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 2020-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
In XX/XX/XXXX I tried to payoff my capital one credit card account in the amount of {$650.00} and XX/XX/XXXX I tried paying off my capital one credit card account again. Doing the process of trying to payoff my accounts I was told that I was committing fraud with my very own savings account with my credit union both times when I tried to do payoff. 
In XXXX after discussing the matter with a senior mgr he told me because I made such a large payment of {$650.00} the system didn't recognize me for such payments that's why they assumed it was fraudulent so I decided to make lesser amount of payments until paid in full. I continue to make my payments with the same savings account continuously until XX/XX/XXXX when my final payment of {$100.00} was called in and successfully submitted over the phone with an representative, the following Monday I called to make sure they posted my final payment and I was shock to hear that my payment was sent back to my account because it was a fraudulent account and they could not accept it, but they continued to take my payment from XXXX until my final payment as of XX/XX/XXXX, aslo I paid my husband capital one credit card with the same account on XX/XX/XXXX and they accepted that payment and said they returned mine, So, I asked if I could just go in a branch to make the payment and the last senior mgr I spoke with told me yes, the following day I went to a branch and was there 1 hr talking with a teller and capital one Bank on my cell phone and they would not allow the teller to take my payment in cash money at the teller window, we had to do an open conversation about my business in public because of the situation the world is in the present time Corona virus and all my personal information was among the public I was embarrassed and confused why they refused my payment to payoff this credit card I was destroyed in my heart and didn't know what else to do, finally I left the bank in tears, finally my husband said let 's try and pay it with his debit card so I did and it was paid in full. 
But I'm truly upset on how they refused me to make a payoff twice and I feel discrimination played a part and wanted me to continue to pay unnecessary fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: DISCOVER BANK
State: MO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
on XX/XX/XXXX I paid XXXX the balance on my Discover credit card. on XX/XX/XXXX I had an email conversation with a Discover rep, requesting that my account be closed. The rep indicated at that time that she had closed the account. 
Unfortunately, I forgot to cancel a recurring payment at my online bank, so a payment of {$200.00} was made, then the next day I got an email from Discover about an increase to my credit line. I just logged into their website to see that I have a balance of $ XXXX ... they deducted {$40.00} from my payment for interest charges - on an account that I had requested be closed, after paying it down to a {$0.00} balance. The rep who told me the account was closed on XX/XX/XXXX made absolutely no mention that further charges would be applied to the account. I opened a chat with another Discover rep to request that, since my account was supposed to have previously been closed, my {$200.00} be refunded to me and the account closed. She did close the account, but is only refunding the {$150.00}. I feel that the entire {$200.00} should be refunded, as the account closure mistake was theirs, not mine. I have an email dated XX/XX/XXXX from a Discover rep confirming that she had closed my account.

Company response to consumer: Closed with monetary relief