BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
Company: Reach Financial LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had a consolidated loan with XXXX XXXX XXXX and at the end of the process, the remaining amount owed was transferred to Liberty Lending , LLC at 27 % interest. The payments towards the loan with Liberty Lending began in XX/XX/XXXX. I was in the XXXX XXXX until XX/XX/XXXX and started a civilian job immediately following terminal leave. I was laid off in XXXX of XXXX and requested a forbearance. A 60-day forbearance was granted in XX/XX/XXXX and my first payment was due in XX/XX/XXXX when the forbearance ended. In XX/XX/XXXX, Liberty Lending told me that I was late on my payments and began to charge additional interest and late fees. Payments can only be made via the website. I have paying what I can every month. Today I went to the website and can not make a payment, see my balance, or any other account information. I have called the number on the website several times to no avail. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Multiple unauthorized hard inquiries on my credit report within a couple months time. 

XXXX : - XXXX XXXX XXXX XX/XX/23 - XXXX XXXX XXXX  XX/XX/23 - Capital One Auto XX/XX/23 XXXX : - XXXX - XXXX XXXX XX/XX/23 - XXXX XXXX XX/XX/23 - Capital One XX/XX/23 - XXXX XXXX XXXXXXXX XX/XX/23 XXXX XXXX Bank XXXX XXXX XX/XX/23 XXXX XXXX XXXX is listed as XXXX XXXX, which is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2022-04-01
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been communicating with Bank of America since XX/XX/XXXX regarding a temporary financial hardship. My mother was ill and then died, leaving me with paying her bills until I could sell her house. XXXX XXXX delayed things further. All this time I had been communicating with Bank of America via written correspondence and providing whatever documentation they needed. In spite of this, they began foreclosure proceedings. My estate attorney permitted me to do a partial distribution of the estate funds on or about XX/XX/XXXX. I sent Bank of America a payment of {$7200.00} " to catch up '' on missed payments. They returned the check to me. The foreclosure proceedings continued and a date was set. On XX/XX/XXXX I sent a cashier 's check for {$13000.00} and that also was returned because " the amount was not correct '' even though I had VERIFIED by phone the amount with a Bank of America employee. At this point I have to wait for the cashier 's check to be returned to get ANOTHER cashier 's check. My foreclosure date is XX/XX/XXXX. All of this back and forth " cat and mouse '' game is going to cause me to become HOMELESS! Plus, I am working TWO jobs. So having to leave work to get a cashier 's check and then also to go to a XXXX XXXX sending point to mail the payment overnight is causing me to lose time from work! All of this XXXX is causing me to become 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 2021-10-28
Company: DISCOVER BANK
State: TN
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 been an outstanding customer and absolutely enjoy my Discover Card. However this year and last year have been incredibly difficult as I know it has been with everyone. I am a XXXX XXXX and in XX/XX/2021 caught XXXX XXXX and I missed my XX/XX/2021 payment. The next month my husband and I brought the account current and worked very hard to stay on top of everything. However in XX/XX/2021 my husband lost his father due to XXXX XXXX. The unexpected funeral costs impacted my family heavily. I have been working extremely hard to keep my good payment history and account in good standing. I called the customer service phone number on XX/XX/2021 to ask if a one time goodwill exception for the late payment in XX/XX/2021 could be removed from my credit reports due to XX/XX/XXXX and how it has effected my family this year and I was given incorrect information and the lady was not very nice or helpful at all. Not knowing who to call or my next direction as it relates to this matter this was the only place I went to for my next step. I am trying very hard to move into a new home and start fresh and leave the grief behind. My husband is currently working three jobs right now to pay off my balance and we have a scheduled payment in the system to do just that on XX/XX/2021. I know these last two years have impacted everyone. But I am just trying to keep my good payment history and status with my Discover card in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I know that consumers have the right to personally inquire about their credit reports for free once a year. I did so using the website XXXX. They could not verify my identity, so XXXX requested I fill out a paper request and send in the US mail along with documents proving I was who I said I was ( copy of XXXX, Driver 's License, pay stub ). All three credit agencies ( XXXX, XXXX, and Transunion ) separately asked AGAIN for the same identifying info to be sent in. XXXX finally gave me my credit report after satisfying identity verification. With that agency, I was able to dispute an address online, and after their investigation, they determined that the address did not belong to me, and removed it the next day. With TransUnion, once I received my reports through the US mail, I was able to dispute online that same address. But now, with XXXX, they have asked a third time for identifying information to be sent in with my dispute. I could not dispute online, they would only accept through fax or mail. I am not comfortable sending documents with sensitive, personal identifying information a third time JUST to dispute an address. This process is cumbersome and invasive. ( They also gave a list of three items that they required to prove my identity, one of which is a utility bill. I rent, have a roommate, and all utilities are listed in the roommate 's name, so I am unable to meet that requirement, and sent XXXX extra identifying documents in hopes that it would fulfill the need of once again proving I am who I say I am. ) I work for a financial institution and understand the security checks necessary to prevent ID theft, but sending sensitive documents three times is ridiculous. How can the three credit bureaus not accept documents by a third party that they themselves contracted with to supply credit reports directly to consumers?

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 2017-06-14
Company: Experian Information Solutions Inc.
State: MO
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:
I have reached out several times to the court and each credit agency. I tried not to mail sensitive information and I think sending it this was is much safer. The chapter  XXXX  bankruptcy reporting on my credit report does not reflect my correct date of birth. The date of birth on the reports is  XXXX / XXXX /  XXXX   and my date of birth is  XXXX / XXXX /  XXXX  . I have now included my actual live birth certificate as well as my social security 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 2017-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Pprtfolio recovery calls several times a day and late at times. I have asked them to stop calli ng ne and to  instead swnd me documentation proving that this is indeed my account. I have asked them to send some detailed statements as this is not my debt and they refuse and instead resort to calling over and over to intimidate. I have had to block their calls and still have n't receiv ed ANY detailed bills or proof this debt is mine. I would need more than 1 bill to get an idea as to who ' s debt this is as it could be ifenity theft. This company is abusive with their calls and behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Multiple credit report inquiries that i do not recognize were done on XX/XX/XXXX. Some were even duplicates and I already have a car loan that i purchased earlier this year. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-06-14
Company: U.S. BANCORP
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
To whom  it may c oncern, on  X/XX/17    I did apply online for a "  XXXX   XXXX   XXXX   XXXX  '' offered by U.S. Ban k National Association. Th e terms of the offer I replied to, showed a {$0.00} introductory annual fee for the first 12 months, after that {$80.00 } ( see  attached offer_terms.PDF for comparison ).  <P/> On  X/XX/17    I did receive the "  XXXX   XXXX   XXXX   XXXX  ''. However, the accompanying credit card agreement terms show an annual membership fee of {$80.00}  ( se e attached cc_agreem_terms.PDF for comparison ).  <P/> If I had n't thoroughly read these terms and had just started using this credit card, I would have incurred that fee, without ever having agreed to such terms.  <P/> Sincerely,  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 2017-06-14
Company: EQUIFAX, INC.
State: IL
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  had a note with  XXXX , the balloon payment was coming due  XXXX   XXXX ,   XXXX  .  XXXX   XXXX  contacted  XXXX  in  XXXX  of   XXXX  .  XXXX  advised  XXXX   XXXX  to continue making his monthly payment and  XXXX  would work with him on getting the balloon payment refinanced.      XXXX   XXXX  continued to send in his monthly payments and work with  XXXX  on a refinance.  XXXX   XXXX  made payments in  XXXX ,  XXXX ,  XXXX , and  XXXX . In  XXXX ,  XXXX  returned the  XXXX  and  XXXX  payment and advised  XXXX   XXXX  that he was in default and  XXXX  would no longer accept additional payments.      XXXX   XXXX  was ultimately able to pay off the balloon payment in  XXXX  but  XXXX  continues to report to the Credit agencies that  XXXX   XXXX  failed to make his  XXXX ,  XXXX  and  XXXX  payments. This is making him in excess of 120 delinquent, even though  XXXX   XXXX  made the payments.     We contacted  XXXX  and attempted to resolve but they are stating that he was in default because he did not make the balloon payment. However,  XXXX  made an oral agreement to accept the payments and then accepted some of the payments but is reporting  XXXX   XXXX  did not make a payment in  XXXX  when he did make the payment and  XXXX  accepted the payment.  XXXX  is also reporting  XXXX  and  XXXX  payments not made when they were made, but returned.     We have disputed the information with  XXXX ,  XXXX ,  XXXX , and Equifax.  XXXX  continues to insist that the credit reporting is correct, despite having received payments in  XXXX ,  XXXX  and  XXXX .      XXXX   XXXX  has been denied credit because of the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I  XXXX   XXXX  CC NUMBER  XXXX   XXXX   XXXX   XXXX  WAS COMPROMISED ON   XX/XX/XXXX  FO R {$2400.00} I HAVE HAD SEVERAL FRAUD COMPLAINTS AGAINST THE CARD AND HAVE CHANGED THE NUMBER SEVERAL T IME. USSA visa IS T HE CARD I AM REFERRING TO. THIS IS THE LIST OF OTHER CHARGES THAT I HAVE TRIED TO REPORT FRAUD ON. BU T 1 ) THEY KEEP CUTTING ME OFF 2 ) TRANSFERRING ME TO A NEW PERSON 3 ) CAN NOT FIND MY INFO 4 ) TALK TO ME TERRIBLY 5 ) SCREAMED AT ME. 6 ) TREATED ME TERRIBLE, LEFT ME ON HOLD FOR 2 HO URS. I HAVE TRIED EVERYTHING TO GET THIS RESOLVED. I HAVE BEEN A VICTIM OF FRAUD IDENTITY THEFT. AND THE CARD WILL NOT TAKE MY CLAIMS. O N  XX/XX/XXXX  I   HAD SOMEONE HELP ME WITH A FRAUD CLAIM AS I AM BOR N IN  XX/XX/XXXX AND HAV E A HARD TIME UNDERSTANDING THERE TRANSFERS, AND SAME QUESTIONS OVER AND OVER. MY HELPER REPORTED THE FRAUD WITH ME TOD AY  XX/XX/XXXX  I  CALLED TO FOLLOW UP AND THEY TRANSFERRED ME AROUND F OR 2 HOURS AGAIN. I HAVE A HELPER WHO HAS FILED 2 FRAUD CLAIMS WITH ME AND STILL THEY RUN US AROUND AND PUT US ON HOLD AND SCREAM AT HER ... I HAVE TALKED  TO  XXXX  DISPUTE, AND FRAUD, TO  XXXX ,  ( NO LAST NAME )   XXXX   ( NO LAST NAME  )  XXXX   ( NO L AST NAME ) AND TO  XXXX  AT CARD SERVICES, NON OF THEM HELP ME THEY JUST TRANSFER ME TO ANOTHER DEPARTMENT.   I HAVE ALSO BEEN CHARGED {$150.00} PER MONTH FOR 12 MONTHS BY    XXXX   XXXX   XXXX   FOR SERVICES TO HELP ME. THEY HAVE NEVER HELPED M E ... DO N'T KNOW THEM EITHER. I AM AT MY WITS END WITH THIS PLEASE HELP ME THIS IS SENIOR CITIZEN ABUSE. I HAVE NO MONEY TO PAY THESE RIP OFF COMPANIES. I NEED YOUR HELP. PLEASE CONTACT ME AT  XXXX   XXXX  THIS IS THE LIST OF COMPROMISED CARDS.  XXXX   XXXX   XXXX   XXXX  AND CARD  XXXX   XXXX   XXXX   XXXX  THEY HAVE  XXXX  FRAUDULENT CHARGES ON THEM. PLEASE HELP  XXXX   XXXX .    XXXX  XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Eastpoint Recovery Group, Inc
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a false and misleading letter from Eastpoint with a logo on it alleging I owed a debt. The alleged debt is disputed. The alleged debt has not been validated. 

To EASTPOINT RECOVERY GROUP , INC., and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

I have no recollection of a business relationship with Eastpoint Recovery Group , Inc. ( EASTPOINT RECOVERY GROUP , INC. ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX XXXX and Eastpoint Recovery Group , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # XXXX, has violated my rights. 

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 The debt that is being reported on my consumer report is only on XXXX, the credit reporting agency has failed to report accurate and complete credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Oklahoma Student Loan Authority
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
While in graduate school I tool out student loans serviced by OSLA. Upon graduation I returned to XXXX XXXX and asked OSLA to apply SCRA protections to all loans disbursed. OSLA denied my request multiple times stating that pervious XXXX XXXX service time has disqualified my from further protections. Since my student loans were not disbursed during a time of XXXX XXXX service I beleive OSLA is violating the SCRA, the Consumer Financial Protection Act, and corresponding state law by charging me an amount in interest over what I am legally required to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a letter from Wells Fargo in XX/XX/2017 indicating that my account ending in XXXX was being closed by the bank. Then in XXXX of XXXX nearly XXXX later I received a letter from Wells Fargo indicating that the same account XXXX had been adversely affected due to an excessive hold placed on a deposit to the account. As I was the sole account holder and authorized user and had stopped accessing the account upon receipt of the XXXX  letter, an unauthorized party accessed the account to make the deposit and almost certainly make debit transaction. Unauthorized access to AuthorizeXXXX Account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
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:
Im a victim of idenitiy theft..I submitted several disputes with the creditors and the credit reporting agencies ..creditors told me its the responsibilitiy of the crdit reporting agencies to remove the fraud accounts ..the credit agencies are refusing to remove some of the accounts. For the past 9 months I made several disputes with my police report ... Experian told me they can not accept my report but never gave me a reason why. I went back to the police department to see if they where contacted by the credit reporting agencies ..They said No..So why wont they accept my report? I followed there directions and supplied them with a offical police report..on XX/XX/2020 The received the attached letter from experian stated i should contact the creditors and when i contact them they say its up to the credit agencies and address XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX NJ don not belong to me which XXXX is reporting account from XXXX and XXXX that Fraud and XXXX  is reporting XXXX, XXXX and that are fraud..attached also is my police report

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