BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
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:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : XXXX, XXXX Account Number : 519. 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 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation. 2. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation. 3. Account Name : XXXX Account Number : XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation. 4. Account Name : XXXXXXXX XXXX Account Number : XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: PNC Bank N.A.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
They have been contacting me for 3 years about a debt for a car I dont even drive I havent driven in 10 years Im XXXX XXXX XXXX and XXXX of XXXX XXXX they threatening my kids. And wont tell me exactly who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$2500.00} XXXX  XXXX XXXX {$270.00} XXXX XXXX {$640.00} XXXX XXXX  XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
This morning, XXXX, my husband and I attended a XXXX Wyndham presentation for time share potential. After hearing the final packages, we declined everything. The person helping us asked if he could run our credit and made it seem like it was a soft credit run through XXXX. We got home, and I received an email that I am now signed up for a Wyndham Rewards earner card. The topic of a credit card did not come up once during our discussion, nor did I knowingly consent to one at all. I would like to see about getting this account closed without it effecting my credit score, because I did not want it and feel as though I was tricked into it. Thank you.

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 2018-05-30
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am attaching the payment report that GM sent me showing the XX/XX/XXXX payment was made on XX/XX/XXXX which was only 18 days late. I have verified this with your call center staff. I have asked that this be corrected on my credit bureaus and it remains incorrect. 

Furthermore, on XX/XX/XXXX, I called and asked for a deferment. I made a payment of {$800.00} and was told that the deferment was good to extend the loan by two months and that I was now current and told that my next payment would be due XX/XX/XXXX. I paid some other things with the money I would have used for GM payments because I was told I had a deferment. I made a half payment for XX/XX/XXXX on XX/XX/XXXX in the amount of {$400.00} and another half payment in the amount of {$390.00} on XX/XX/XXXX which I believed to take care of the XX/XX/XXXX payment. I then paid what I thought was my XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, and XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}. 

When I looked at my credit report on XX/XX/XXXX, I was shocked to see late payments reporting from GM. I immediately called and complained and made a double payment in the amount of {$1600.00} on XX/XX/XXXX in order to bring the account current according to your records even though I believed it to already be current because of the previously offered deferment. 

I was promised a deferment on XX/XX/XXXX when I called and spoke with your staff. I was not given the deferment that I was promised causing serious damage to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
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: Their investigation did not fix an error on your report

Complaint:
Equifax is still reporting an account that falls under an agreement they created,  National Consumer Assistance Plan.      I received my dispute results on  X/XX/2017   , confirmation #  XXXX .     XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  MD  XXXX  In my dispute, I asked Equifax to follow the rules they created. This account contains eviction fees.     Equifax is not enforcing their own agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Navient Solutions, LLC.
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a credit report from XXXX. In said report were reports from Navient. I attempted to dispute the report/alleged account with Navient based on the mailing address being reported. I mailed the dispute via certified mail and was delivered XX/XX/XXXX. The delivery address was not the address listed in the credit report. The credit report reflects incorrect reporting information. Furthermore, I have not received information confirming the alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: EQUIFAX, INC.
State: AR
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 recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
During this time of COVD my hours at work have been reduced which means my paychecks are reduced. All other financial companies have been very sympathetic and have deferred payments on credit cards, even my car payment. 
I have been calling Citibank since last week. I was able to get through to customer service once and was told Citibank will not be offering payment help during this crisis. I tried several phone contact numbers being left on hold waiting for next available representative for over an hour holding and then disconnected. 
Today I am on hold right now for 2 hours+ 9 ( still holding ). 
I am curious if there is a regulation in place to help out in my situation? I am sure I am not the only consumer going thru this. And this is so disturbing that I am having to go this route at a time when we are all unsure of our future. 
Please assist if possible. 
I have my phone log of dates and times of calling.

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 2016-04-26
Company: Collections Acquisition Company, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Reported to the credit bureau that I wrote a bad check to a company I NEVER had any dealings with- its is called XXXX and the check is in the amount of {$4400.00}!! I have disputed with XXXX - but they said the collection agency isnt taking it off- EVEN THO the collection agency CAN NOT produce ANY Proof- Because there is NONE- I HAVE NEVER WROTE A CHECK TO XXXX- much less XXXX for $ XXXX THATS A HECK OF ALOT OF SODA- dnt you think?!!!!! This is ridiculous, and these companies can not be allowed to do this WITHOUT PROVING their claims for collections!! this is ruing my credit- and its fraud!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have been in some form of bankruptcy since XXXX and paid my last payment in XXXX XXXX. At that point my loan went from a total of {$160000.00} to whopping {$350000.00}. All my loans double in size which should have bankruptcy stay and not capitalized interest. I requested someone from Navient to research how my interest was calculated I received an immediately approval of consolidation in order to stop the conversation. I need help to discern why all my loans have doubled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Arcadia Holdings, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i called arcadia recovery on monday XX/XX/XXXX at approx XXXX and spoke with a female agent who disclosed that the payment i sent in for {$250.00} was just processed on the day of my phone call. on wednesday at approx XXXX i was contacted by a male agent did n't get his name, he made numerous mentions to speaking with me prior to his call that I do not recall being he had a distinct sounding voice. I mentioned to him that I had just verified the debt being paid in full and all of a suddewn this male agent was calling regarding an additional charge of {$100.00} dollars being owed from XX/XX/XXXX. I requested a full transcript of the accounts that they ( Arcadia ) have regarding my ssn # that needs to be paid. This harrassment needs to be regulated and stopped, i 'm making amicable attempts to resolve these matters as best possible with the resources at my disposal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: NJ
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:
My complaint is with Experien. My credit scores have improved over the years with XXXX and XXXX but NOT with Experian! How is that even possible? I recently had 2 Collection Accounts removed and immediately XXXX and XXXX notified me of this information and updated my score. Experian never notified me or en made mention of this drastic change and my score with them remained the same! They have been using the same low credit score for years without change, which is simply impossible! I need assistance in getting to the bottom of this major problem especially since they are mainly used for applying for credit. Please help me! Thank you!

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 2022-08-31
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Inaccurate information such as my name spelled incorrectly. Wrong addresses, collections were supposed to be deleted and it's still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was 100 % discriminated against and the law was BROKEN!!! 

On XX/XX/2022 I used my credit card as defined under 15 us 1602 ( a ) ( I ) to extend myself credit through your company and I was denied. On XX/XX/2022 I received an adverse action email from your company attempting to explain why I was denied. This was clear as day an act of discrimination pursuant to 15 usc 1691 ( a ) ( 3 ). I in good faith exercised my right to extend credit as a consumer, and a creditor and I was denied for NO specific reason. You also violated federal law and you will be held civilly and criminally liable because you violated 15 usc 1602 ( a ) ( p ) you used my credit card with no apparent authority, and I the cardholder and consumer received no benefit. You are now civilly and criminally liable under : 1.15 Usc 1611 2.15 US 1640 3.15 usc 1691e I am appalled at these laws being broken by a company with the reputation that you have!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
The company raised my interest rate from 17.49 % to 29.24 % with no notice. The rate shows as " as of XX/XX/2019 '', but on the Statement from XX/XX/-XX/XX/ the rate remains as it previously was. I was given no notice or alert to the interest rate rising so substantially. All attempts to contact the company have gotten nowhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I was given incorrect information about payment allocation by several representatives. I have a credit card with Bank of America I was told that payments would go to the promotional rate ending the soonest. The way their statements are set up do not allow to see where payments are allocated. I made a {$1500.00} payment based on that information. I was not until the promotional rate ended that I saw that all my payments were applied to a different balance. I called to dispute this and was again given incorrect information I asked for an explanations on why then I was being charged interest and upon further research that information was incorrect. That all my payments were put on the promo rate ending later because it was a cash advance. I asked again why after several calls I was not told this and I was told it was a mistake. The rep told me to go to the nearest branch and talk to a manager and they would be able to help. Talked to her and she told me to wait for her to do research. Waited for XXXX weeks she called me back and said that they were aware they made a mistake and would refund me the interest and allocate the right amounts. This did not happen when calling I was told it was a XXXX time credit and I was responsible for the remaining balance on the nearest ending promo rate. That they would not allocate my payment to this balance regardless of any previous information I was given. I do n't really know what else to do since I would have never ever made a payment that big if I knew it would not be allocated to the balance ending the soonest. The way the statement is set up I had absolutely no clue where my payments where going. I feel completely ripped off and feel cheated. I ca n't believe that so many people would give me incorrect information and find their statements be so misleading. The gave me not any other really recourses. I 'm not asking for a refund just for them to do what I was told would happen on several calls and by a branch manager. I believe that any information given to a consumer should be accurate since its money that we are talking about. I have held my end by always making my payments on time and calling to inquire when I have a question. Their only responsibility to provide accurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed updated without incident. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
placed an extended fraud alert on my credit report without my permission and hasn't removed the alert.

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 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I SENT A LETTER OFF ON XX/XX/20220 TO XXXX XXXX XXXX WITH A ALLEGED BALANCE OF XXXX $ THAT I DO NOT OWE, AND ITS HAS PASS THE 30 DAYS ALLOWED BY LAW TO RESPOND.ON TRANSUNION, IT HASN'T NOT BEEN ACKNOWLEDGED '' MARKED AS DISPUTED BY CONSUMER '' THEREFORE IT IS A VIOLATION AND NEEDS TO BE DELETED BEFORE I CONSULT WITH AND ATTORNEY IN THIS MATTER.

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 2023-02-26
Company: EQUIFAX, INC.
State: LA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: United Shore Financial Services, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Today I called United Wholesale Mortgage to discuss the hardship that has fallen on my family due to the Covid19 pandemic. My spouse and I are currently out of work or had our hours cut back drastically. We are concerned that we may not be able to pay pour mortgage the next couple months. When I called I asked about deferring our next 2 payments to the end of the loan. I was basically told no and that I can fill out an application for Short sale, refinancing, loan modification or repayment which would involve making a higher monthly payment. None of those would apply to us. This is the only financial company that has given us an issue. Not only do we have to worry about no income coming in, we know have to worry about a greedy mortgage company not willing to work with us.

Company response to consumer: Closed with explanation