BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I paid the balance in full on my bank of America world Master card account the due date was XX/XX/XXXX. I think I'm good to have and hold a zero balance on the account but on the statement date I received a financial interest charge of XXXX. I don't earn a ton of money and I was proud to be able to pay the account in full imagine my surprise on the bill day when I am expecting a zero balance there is an additional fee. If the bank calculation is on the Average daily balance of the billing cycle I am being penalized for paying the account in full. Had my pay in full amount balance been disclosed to me at the time of pay off I would have covered the whole amount. So my issue is I submitted what I expected was my full pay off amount and still incurred a fee. Had the banks systems advised me of potential additional charges at the time of payment this could have been avoided. Please urge Bank of America refund the interest charges of 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 2016-12-28
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Equifax is providing me unequal / disparate treatment as it relates to unfreezing my credit file. Their online portal does n't allow me to unfreeze my file so I have to call in. When I call, they taunt me and say that since I did n't do it online I 'd be punished with a five day waiting period. This prevents me from running any credit applications for an extended period of time. They have no technical support department to contact to resolve the issue. Therefore I 'm unable to unfreeze my credit report in a timely manner and the company is clearly unwilling to support this simple issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
equifax is reporting XXXX student loan accounts with the State of NJ XXXX that are passed the statute of limitations and should be deleted from my credit report. They are already deleted from XXXX and XXXX but Equifax continues to verify the accounts when in fact the original creditor already agreed it should be deleted. The account numbers are XXXX ; XXXX ; and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: V and H Portfolio
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This was a {$400.00} loan and I attempted to pay a settlement amount and this company to the amount of a {$400.00} loan up to {$20000.00}. I just want to settle at a reasonable amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14
Company: SCV Inc.
State: AL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I TOOK OUT A SMALL LOAN AND PAID THEM OVER XXXX THEY WENT OUT OF BUSINESS ( XXXX ) I TRIED ON NUMEROUS TIMES TO CONTACT AND NOW THAT WE ARE TRYING TO BUY A HOME A SMALL LOAN IS NOW XXXX. XXXX WAS SHUT DOWN BY FEDS I READ SO NOW SOME GUY HAS BOUGHT THE ACCOUNT AND I AM TRYING TO SETTLE BUT THEY WILL NOT EVEN CALL ME BACK. I HAVE PROOF I PAID IT. IT TOOK ME AND XXXX XXXX TWO WEEKS TO EVEN FIND THEM THEY HAD SOLD IT SO MANY TIMES. THE INTEREST IS 97 %. THIS SHOULD BE ILLEGAL.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently had XXXX student loans with XXXX XXXX that were discharged due to XXXX on XXXX XXXX, 2016. I checked my Equifax credit report and determined that they did not show closed and paid on the XXXX student loan tradelines with XXXX XXXX they left those open but also added XXXX new tradelines with XXXX XXXX XXXX XXXX to my credit report and then reported those accounts closed and paid. I have a total of XXXX tradelines of student loans now. I called Equifax and told them that the information was incorrect and that these accounts are duplicated and it should only show the XXXX original tradelines with XXXX XXXX as closed and paid. I receive notification on XXXX/XXXX/2016 that Equifax has not removed the original XXXX loans but they have just closed them and noted on all XXXX accounts that they were : ( Student Loan Account Transferred Or Sold Student Loan ) which is not accurate. I have tried to get them to report accurate information and I am not getting the service they should provide by law. I would like this information reported accurately as it has caused my credit score to drop significantly ( XXXX to XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Please help! I have been trying to dispute hard inquiries on my credit report that I did not authorize and also XXXX collection accounts that I asked for verification. Below are the dates and number of disputes. I have also tried to call and get help over the phone for the agent to tell me no to every question I had. Also I requested to take a survey however I was hung up on and not connected to the survey. These unauthorized inquires are causing me issues with moving forward in like. 

Confirmation # Status Dispute Date Completion Date Results XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Mailed XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Mailed XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Viewed XXXX PENDING XX/XX/XXXX XX/XX/XXXX ( Estimated ) - XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Viewed XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Mailed XXXX COMPLETED XX/XX/XXXX XX/XX/XXXX Expired

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from a debt collector dated XX/XX/2021 from Midland Credit Management attempting to collect a alleged debt. I sent a notarized letter dated XX/XX/2021 disputing the debt pursuant to 15 USC 1692g ( b ) which states the debt collector shall cease collection of the debt while it is being disputed until the debt collector obtains verification. On the XX/XX/2021, Midland Credit Management violated my consumer rights by reporting the account in dispute, to the 3 major credit reporting agencies XXXX XXXX and XXXX Also this account was previously deleted already through a dispute process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
All three credit bureaus : XXXX, Equifax and XXXX can not explain my credit Score while all scores are different. None of these bureaus can explain the Score process nor specifically why my credit score is being negatively impacted by their own records, due to " revolving credit not being established long enough ''. Their own records indicates my revolving credit has been established for 14 yrs, 10 months. This was NOT reflected on my credit bureau until I disputed I negative rating from XXXX, which was removed. Nearly immediately all credit bureaus this New Negative factor as stated above, arose and not one of these bureaus cares or can explain. Some have said perhaps it will clear up in a week, a month, they blamed algorithm 's ... ..etc! This is not satisfactory and the longer they all go not correcting this, the more my credit score suffers while I strive to improve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Please reference Case Number XXXX. Similar Issue but with Equifax. However, Equifax is stating that stating that this item belongs to me. This is an issue with the treatment of inaccurate information pursuant XXXX XXXX XXXX ( XXXX ). Please provide this information to XXXX County pursuant XXXX XXXX XXXX as I 'm currently speaking with them about a motion for stipulation and enforcement of county ordinances to show that this item does n't belong to me. This is the only additional information/step that is not included in Case Number XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I called Equifax and XXXX  and XXXX  on XX/XX/2021 all to remove old accounts and also fraudulent inquiries from my credit reports. Only XXXX  did so and without any issues whatsoever. Both Equifax and XXXX  seem to not want to do their job. 
The accounts from Dept Of Education are closed from over 7 years ago and were transferred and are in good standing and the old CLOSED accounts should be removed. The Dept Of Education agrees to have them removed and also provided me with a letter stating it was the responsibility of the credit bureaus to remove them now. Also the fraudulent inquiries that were done without my consent were only removed by XXXX, and need also to be removed by Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, 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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX phone # XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX has reported a collection notice on my XXXX  Credit report in the amount of {$6000.00}. 

The collection has been reported as a past due amount. Which is not reflected on my credit history anywhere EVER. I don't know who this company is and have never done business with them. 

This company does not have any contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
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: Account information incorrect

Complaint:
Hello, XXXX XXXX has my mortgage account and they have been incorrectly reporting my balance to the credit bureaus. My current outstanding principal balance is {$300000.00} according to my statement, XXXX website and their customer service representative. XXXX reported to credit bureaus on XX/XX/2020 that my balance is {$310000.00} and on XX/XX/XXXX it has reported my balance as {$310000.00}. Please note that according to XXXX statements and their customer reps my balance is still {$300000.00}. My credit score dropped by more than 10 points over this balance adjustments that are incorrect. I spoke to XXXX rep in XXXX, who was very rude and told me that he doesn't know who is reposting this that I should file paperwork with Experian. I did, and Experian came back to me saying that this is a correct amount according to lender. I spoke to XXXX again in XXXX and was told to fax them my credit bureau information. I did it the same day and was promised to hear back by XX/XX/XXXX. Today is XX/XX/XXXX and I still haven't heard back from them! Also in comments on this account on Experian it says - " Student loan - payment deferred '', which is WRONG, it is not a student loan. I don't know who is doing this but they need to be retrained to not make mistakes on customers ' credit files. This is an unacceptable mishandling of my information and I expect it to be fixed immediately. 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 2017-01-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Checked my credit report and found there was a hard inquiry for XXXX that I did not authorize. I did not apply for ANY credit on XX/XX/XXXX. This is being reported at XXXX of XXXX credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Frontline Asset Strategies, LLC
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection trying get my money danger my credit score because account is opened fraudulent out my concerns trying fixed error with this company credit one now send me collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX account is being reported as 1st date of delinquency as XXXX 2015. The account was paid in full well before that date so how can the 1st date of delinquency be XXXX 2015. please have them delete the whole XXXX account /file from the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When we mail our mortgage payment on time for due date it is processed in a timely matter in 3 days. When it is after the XXXX of month and near late date of XXXX it is not processed in a timely matter, but we are told it did not arrive by XXXX and then charged an {$80.00} late fee. The lender is Caliber Home Loans XXXX XXXX XXXX XXXX TX XXXX. If this is a common practice it should be looked into and a possible class action suit brought for this practice of holding payments by check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: UNITED MORTGAGE CORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started working with United Mortgage Corp out of south florida. The first phone call was great, they really are good at pulling you in! I spoke with the manager for over an hour and then i was passed off to XXXX XXXX. He thought he would be able to get my a conventional loan and after put the the software stated i would need to go FHA. I was original told my rate would be no more than 4.5 % max. He told me the fed came out and rates went up ( this was XX/XX/XXXX ) ( rates haven risen yet, but most likely they will later today XX/XX/XXXX ). Anyways my rate was now 4.875 % for conventional but since i couldnt do that he locked me in at the same rate for FHA!! i was skeptical, i called another firm and he told me that he could get my FHA at 4.25 % about a {$50.00} a month in payment based on my principle. His lending fees were also over XXXX the new guy was XXXX. I feel that if i wasnt willing to take a risk to try the new lender ( i was already under contract ) i would have been stuck paying a much higher rate than i am now. I know it is illegal for mortgage lenders to make money off the spread but why was their rate over .5 % more? Someone padding pockets at UMC? Please use UMC in XXXX XXXX XXXX if you never want to be able to reach your loan originator, and want to pay a rate way to high! Oh yeah XXXX XXXX also lost another mortgage of a client that was working with the same real estate broker as mine and he has the nerve to ask my realtor why he is losing business. XXXX ITS BECAUSE PEOPLE ARE NOT IDIOTS AND ARENT GOING TO OVER PAY YOUR RIDICULOUS COMPANY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-12-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Always apply any freezes and unfreeze to report online. Attempted to temporarily lift credit freeze online for a certain amount of days and received error message. Attempted again TWICE and payment processed and charges fee TWICE but freeze not lifted without written letter that I have since submitted. No fee should be charged if freeze was not lifted and there is no reason why my account should require request in writing unless this is retaliation for filing earlier complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
I disputed a collection account as paid in full and XXXX and the creditor have not updated the account correctly which is a violation of the FCRA. I disputed the account XXXX and XX/XX/2021. The account balance was {$3400.00} and the debt was settled for {$870.00} per the settlement letter received. I submitted the information to XXXX and they stated that the company verified that the original amount is correct and didnt update the account as closed and paid in full. Which is incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX reported my account passed due which was due to mobile app issues on their end. Did not get alerts or notifications of payment due. Unable to login to app Transunion XXXX  XXXX  All show this info that was no fault of my own

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 2021-07-11
Company: EQUIFAX, INC.
State: UT
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Mobile application not working. No alert or notification of payment due. Unable to login. 

Finally deleted app and reinstalled Payment would not have been late if I was alerted

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 2015-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
on sunday XXXX/XXXX/15 bank of america show i owed a minimum payment i payed twice the minimum they showed they recieved it XXXX/XXXX/15. they now show i owe a minimum payment i maintain they should not show payment due till is realey due i think that could make people late if they think their payment is paid

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation