BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-03
Company: Endpoint Resolution Services (ERS)
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a Phone Call from Endpoint resolution stating that they are representing for XXXX, And that I had to Pay them immediately! I have tried to have them to send Me a letter to verify if they are legitimate. I have been getting repeated harassing Phone Calls from various locations. And Today when I called to ask For a Letter, The person who has Been calling me threaten me and was very Rude, had said if I did n't Pay by XXXX Friday XX/XX/2016 they were going to take me to Small Claims Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Received free credit report from Experian. XXXX unauthorized charges appeared on my credit card.

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 2022-11-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The web portal to freeze/unfreeze my Equifax credit report ( on my.equifax.com ) does not work half the time. It is XX/XX/22 at XXXX pm eastern and it has not been loading for at least XXXX minutes. There is no error message- it just keeps loading. 

I am a software engineer and I know it is not my system 's fault. I have tried multiple browsers and machines. 

I have found it not working several other times this year ( and I only check it several times a year ) The automated phone line is also not working, so I have to wait until business hours to unfreeze my account. 

I believe that they intentionally do not support it in order to steer unwitting consumers into paying for their credit locking product, which would provide no purpose if their credit freezing tools worked. They use a lot of misleading wording on their website to steer people towards that scammy service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: WI
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:
XX/XX/XXXX I submitted a dispute concerning a chapter XXXX bankruptcy which was discharged in 2012. By law a chapter XXXX bankruptcy can stay on your report only 7 years.

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 2021-07-28
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:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.

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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I opened a new credit card with XXXX XXXX and as always I set up automatic payments through their automatic system right away. Two month later without having a single alert or notice, I discover that they destroyed my credit history reporting two late payments. My credit score went from good to fair and I cant apply for any more credit! I already spoke with them and told them that I set up automatic payment which didnt go through. Also I moved to the new address from XXXX XXXX to XXXX XXXX XXXX, XXXX and didnt receive a single bill that my account is overdue to my new address. My understanding was that I setup automatic payments but their automatic system fails on purpose so they can collect their fees. 

Please help me. They destroyed my credit history while it was their fault because they had problem with the automatic payments system. I spoke with their representative and she said that it happens to other customers! I dont trust this company any more when they do such unethical practices - not only stealing millions of dollars but destroying credit history which causes hardship for families. This was such a mistake opening account with them. Wish I never dont this. Also they promised me 0 apr for a year ( that was the reason I signed up ) but then they charging me 28.24 % Please publish my report so it is visible for all the people to read! 

Thank you so much! 
XXXX XXXX XXXX account number ending : XXXX My cell : 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 2022-11-13
Company: HYUNDAI CAPITAL AMERICA
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Obtained loan thru Kia finance XX/XX/2022. Car was totalled XX/XX/2022 insurance company paid all of balance except for approximately XXXX on XX/XX/2022. On XX/XX/2022 the balance was paid in full loan was closed. As of XX/XX/2022 Kia has yet to update my credit file. My credit file has not been updated at all showing any payments or closing since XX/XX/ 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 2016-03-16
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
UCB collection contacted my XXXX XXXX time in one day and disclosed my debt to my supervisor and told her that they will be sending the sheriffs to the job to arrest me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card
Issue: Privacy

Complaint:
When I submitted request for card I was not immediatly offered to Opt out of solicitations, surveys, thisrd party notifications and other distribution of my personal info. After I received my card, I received Opt out letter and called in XXXX times as I kept getting e-mails. Called tonight as I received " Survey '' This iscourge of corporate america privacy. If you contact them they sen nd you survey. I told them do not send me surveys, Solicitations by phone, e-mail or mail. I just want a bill/statement NOTHING else. # x they toldOK '' they ca n't do it. They say XXXX days to stop. Why could I not have opted out on approval without delay??? I asked for Resoulution spelist or Executive dept and was tol " NO '' not possable by XXXX # XXXX in XXXX XXXX XXXX XXXX/XXXX/2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: AR Resources, 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: Was not notified of investigation status or results

Complaint:
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 Please freeze this report and update my correct information. The XXXX makes it impossible to access my report My name is XXXX XXXX XXXX My addresses is XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX phone numbers XXXX I have not opened any new accounts, clear all the inquiries that have no account attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Williams & Fudge, Inc
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me practically every day saying how irresponsible I am, once I stopped answering and blocked their calls they then began to call my Mothers and Aunts phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Innovative Credit Solutions
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have no clue who these people are they just appeared on my credit report as collection. I have never received any kind of documentation from them, I got their address off my credit report sent a letter asking for validation but never received it. I do get phone calls about once a week from an automated caller telling me he will be serving me with papers at either my residence or place of employment but nobody has ever showed up at either place. I want this removed from my credit because all of my accounts have been in good standing for last 8 years.

Company response to consumer: Closed
Consumer complaint received 2017-02-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This morning I looked into my bank account to discover I was XXXX dollars overdrafted, and the reason for this was XXXX and XXXX rides. I contacted my bank representatives and was told by the man I spoke to that the reason this happened was because when the service is requested, the money is withdrawn immediately, but then at a later date it is cancelled, then ACTUALLY removed a few days later, so, when I thought I was being careful and making sure all my transactions were going through, they actually were n't. Yesterday I noticed the first overdraft fee ( XXXX dollars ) had been charged to my account and I was alright with that, figuring something like this had happened, but at XXXX dollars I realized something really needed to be done. I do not think I should have to be charged for things that I had been told I have already paid for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I got a kohl 's credit card in XXXX CA. When my first payment was due I called a representative of Kohl 's and ask them to change my billing date to the XXXX of every month to keep from getting charged late fees every month. The first time I called was XX/XX/2016 to get them to change my billing date. I was told I had to pay my balance up before they would make any changes to my account. I called them again today on XXXX/XXXX/2016 and again I was told I have to pay my balance up including any late fees. I explained my situation to them and they was not willing to work with me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
TD Bank I opened a secured credit card with TD bank with a {$600.00} deposit I received the card I used {$640.00} on the car XXXX paid the card off the XXXX {$640.00} all the purchases that I made had posted and was paid which was the entire {$640.00} TD bank though still have the purchases showing as pending and posted and are hold my full amount of available credit of {$600.00} until the pending balance which has already posted falls off I this isn't right especially because this is a secured card if I make my full payment that full payment amount is supposed to be available to me. But because I'm a XXXX individual they are doing this if I was a race of another XXXX I wouldn't receive this treatment they're always locking my card and wouldn't make my credit available to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had just received my credit update today, and my credit scores have dropped, and it 's because of this debt that I do n't owe. I 'm so furious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing, and its Agents, and Legal Representatives are fraudulently misapplying mortgage payments an my Account ( Loan # XXXX ). 
Documentation from Ocwen in XXXX XXXX, XXXX states my Principal balance is about {$140000.00} and I was {$4700.00} in arrears 3 Payments ( Not True ) XXXX XXXX, Ocwen stated I was 4 payments in arrears and the amount was {$5900.00} plus Attorney Fees ( stated by Paralegal ) Again not true I have paid XXXX, XXXX XXXX and XXXX XXXX payment above principal and Interest due, I have being paying Ocwen XXXX above normal payment amount only to stop the Harassment and intimidation to attempts by Ocwen to get a Modification agreement signed by me, and increase term of loan by 40 years XXXX XXXX, met with Ocwens lawyer, and gave him documentation that I was ahead of schedule on a Amortization schedule of original loan. 
Ocwen and their Agents, as well as the Attorney have altered my loan payments, by going in the account and REV ( which according to Ocwen, stands for Reversing the payment ) Now Ocwen is stating my Principal Balance is {$140000.00} I would ask for Forensic Accounting of this Account, however a sixth-grader can see these figures have been altered. I have been making payments, however my Principal is going up?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: AL
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 XXXX credit files with equifax and have called multiple times to get them merged. I have sent my verification information several times. I keep getting the run around. Every time I call they say they dont have any information. It is beyond frustrating and you can not get a supervisor on the phone or file a complaint with equifax. This is the only credit bureau that I am having a problem with. The others are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: PA
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 have personally disputed an inaccurate account with this CRA as well as the furnisher of this information twice. On XX/XX/2022 i mailed in a certified letter to Equifax to dispute this incorrect information they are reporting. I called into Equifax on XX/XX/2022 to ask why no dispute has been opened on my behalf about this account and was told that i disputed this account before and they will NOT reinvestagate this account. 
Equifax is reporting an account from XXXX XXXX XXXX ( a debt collector ) on behalf of XXXX XXXX XXXX due as of XXXX XXXX in the amount of {$1000.00}. I have a letter from the original company stating that the amount of {$1000.00} was due on XX/XX/2022. How can an account be past due from XXXX if it isnt due until XXXX. I also sent a certified letter to this company to verify this debt with NO RESPONCE. This inaccurate account needs to be DELETED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me from moving forward with my life, so that I may provide for my wife and children. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent items be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
XXXX/XXXX/15 : I attempted to withdraw {$100.00} from a PNC bank ATM and only received {$60.00}. I reported the discrepancy and was issued a provisional credit pending the outcome of the investigation into the dispute. 
letter dated XXXX/XXXX/15 : I received a letter indicating that the transaction was processed correctly and the money would be withdrawn from my account. Upon receiving this letter, I called PNC to request the documentation of the investigation and was told that I would need to call to speak with the disputes department. 
XXXX/XXXX/15 : I called to request documentation of the investigation and was told that there was no documentation to be sent and that I could not speak directly with the disputes department. When speaking to a manager, he informed me that PNC saw no error reported by the ATM in question. He said that I could reopen the dispute and it should be resolved within 45-90 days. I informed him that they only had a maximum of 45 days to resolve this to which he disagreed. The manager stated that PNC was doing me a favor by reopening the investigation. He then dismissed my inquiries into why and how the initial dispute was never fully investigated and pushed to have me end the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is the XXXX complain I'm filing with CFPB. I have a HELOC account with US Bank for past 15 years. This HELOC was tied to a lawsuit. I have already paid the amount of the loan in interest! US Bank had been horrible. I am uploading a few pages of the statements. US Bank has charged me thousands of dollars in other charges ( please see the XXXX I made to show. I have been paying the interest on time, but they keep charging me late payments. After 15 years, I won the case and got paid for the exact amount of the HELOC. I paid $ XXXX on XXXX. XXXX. ( see XXXX XXXX US Bank statement. Because they have made many mistakes in calculating interest, I am not paying the last {$750.00}! I believe my balance is XXXX. US Bank can close my HELOC ( I do not like them ). I have talked to many case managers, because they have a high turn over on employees! The most important person was : XXXX XXXX XXXX : XXXX. She admitted many mistakes in calculations on my HELOC! 
I have even messaged XXXX XXXX, XXXX. of consumer through XXXX! 
Please help me and advocate for me. I am done with US Bank. They need to bring the balance to XXXX. Please help me.

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 2021-07-28
Company: Shellpoint Partners, LLC
State: CO
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:
I have a commercial loan I closed w a broker in XXXX of XXXX through XXXX. Both XXXX and my broker told me multiple times it would not show up on credit bc it was a commercial loan. Both their websites actively advertise this. 
Anyway everything was fine until my loan was sold to shellpoint mortgage out of XXXX. They are reporting my commercial loan on personal credit as of this month. 
Shellpoint mortgage said they can bc I am a guarantor. I paid over $ XXXX to buy down loan and have a prepayment penalty. Either the broker and XXXX actively lied to me or Shellpoint is in the wrong. I need to know who and how to resolve.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: AMERICAN HONDA FINANCE CORP
State: NY
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 just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due, yet it is closed and the balance is XXXX Lets correct this or otherwise remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2022, AMERICAN EXPRESS XXXX, received an Affidavit of Truth from XXXX XXXX and accepted this letter via certified mail. In XXXX, after over 30 days of no response, a cease and desist was sent to American Express and was delivered. There was still no response to the documents being demanded. In XXXX, another affidavit was sent to the company after noticing that several payments do not seem to be showing as applied to the account. After reviewing the online account to see if it was applied on the statements it was noted that the statements were not accessible on the website. They also are not being mailed, so there is no proof of what is owed and what has been applied or that this supposed debt is valid per the Fair Debt Collections act. The reporting of this account was also disputed and was not honored per the FCRA. No proof has been submitted in either instance. As a consumer, I have been forced into continuing to make payments without validation due to the concern that there will be negative reporting on my credit report even though I have no proof this debt is valid and the validity of what is owed.

Company response to consumer: Closed with non-monetary relief