BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
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:
On XX/XX/2020 I settled a debt with XXXX, I recached an agreement with collector ( XXXX ) stating as follows, once my debit was payed a letter was sent out to the three credit bureau reporting agencies XXXX, XXXX  and Equifax advising them to take off any remarks relating to this debit. I have tired to reach the credit bureau 's to discuss there role in upholding the decision made by XXXX but i have not been able to secure that decision. I have the necessary documents proving that an agreement was made between me and XXXX to have any remarks regrading this debit to be completely removed from all of my three my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/2020 I settled a debt with XXXX, I recached an agreement with collector ( XXXX ) stating as follows, once my debit was payed a letter was sent out to the three credit bureau reporting agencies XXXX, Transunion and XXXX  advising them to take off any remarks relating to this debit. I have tired to reach the credit bureau 's to discuss there role in upholding the decision made by XXXX but i have not been able to secure that decision. I have the necessary documents proving that an agreement was made between me and XXXX to have any remarks regrading this debit to be completely removed from all of my three my credit files.

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 2015-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
on XXXX XXXX, 2015 I was charged several transactions from XXXX XXXX transactions in the following amountsXXXX. {$20.00}. {$100.00}. {$54.00}. {$120.00}. {$56.00}. $ XXXXtotal amount of {$390.00}. I attempted to contact XXXX through customer service and email I received the same resonse several times stating to look over my XXXX purchase history which I had already done and determined that the charges were not mine nor were they authorized after serveral unseccessful attempts I contacted my bank Bank of America. I filed a dispute. I cancelled my debit card that was linked to my itunes account to prevent this from happening again. Today XXXX XXXX, 2015 I checked my account again to pay bills and once again I have XXXX new XXXX charges all for in the amount of {$100.00} totaling {$430.00}. In the past week XXXX has charged my account in the amount of {$820.00} in unathorized charges. I need this amount refunded asap to my account and for these charges to stop now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27
Company: BARCLAYS BANK DELAWARE
State: NC
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:
I have a Barclays MasterCard that I use for balance transfers to manage some debt. I previously had two 0 % promotional offers from there, and all was recently. Recently I made two more balance transfers at a promotional rate of 0 % online. When I received my recent bill though, the past two transfers were at their standard 18 % interest rate. I clearly would never accept these terms. I have other credit card transfers I could use, but chose Barclay because I liked their promotional terms. But they now say there were no promotional terms. Unfortunately I did this all online and have no evidence of these terms. I talked with three people at Barclays, and an online chat. All said the offers were never there, and nobody offered to have moderate the terms or offer anything to me. They accused me of not being honest. But I've managed debt this way for years, and know the ins and outs of these types of deals very well. I'm not wreckless nor in error here. The offers were there and they refuse to honor the terms. 



. However on my last statement, they show up at 18 %. This is totally incorrect ; I used the online promotional transfer option as I had done before. I need for you to correct your system so that I'm not paying a ridiculous interest rate

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 2022-08-04
Company: Valor Intelligent Processing, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Valor Intelligent Processing llc is attempting to collect a debt from exempt funds they are trying to to get me to pay them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
A phone call, letter and email was sent to XXXX XXXX to correct a reporting error. XXXX reported to the credit bureaus the wrong balance information causing me to lose valuable point and credit worthiness. 
XXXX XXXX reported that my XXXX ending balance was XXXX plus dollars when it was actually XXXX dollars. Please see attached. As of this date, the problem has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Approximately, at the beginning of XX/XX/XXXX I attempted to obtain an annual credit report from Equifax. Equifax did not have suitable information to provide my report and this information was conveyed to me via letter. Said letter is dated XX/XX/XXXX This same letter is addressed with an apt XXXX number. I replied with a copy of identifying documents. Equifax was unhappy with the information I provided and again requested different identifying documents. This letter is addressed with a unit number. I replied with a copy of identifying documents. Equifax was unhappy with the information I provided and again requested different identifying documents via a letter dated XXXX. I replied with a copy of identifying documents. Equifax was unhappy with the information I provided and again requested different identifying documents via a letter dated XXXX XX/XX/XXXX. Equifax demands I provide documents proving I reside within a Unit rather than an Apt XXXX Equifax has sent me a letter at the same address with both Unit and Apt XXXX designation for my apartment number. Evidently, Equifax knows more about my abode than I do, yet will still not provide me with access to my credit report as required by law. XXXX, XXXX and XXXX have all provided me with my credit report to an address with an Apt XXXX designation. This complaint is the second complaint I have filed with the CFPB about the same subject matter. Please see attached documents from Equifax, XXXX, XXXX and XXXX mailing correspondence to an Apt XXXX designation. Yet again Equifax has skirted compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
this is the 3 rd I have requested to have my Credit Freeze removed from my file My name is XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please remove any and ALL Blocks/Freeze from all my credit reports. 
XXXX XXXX SS XXXX I have attached my ID and SS 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 non-monetary relief
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: TX
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:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
transunion and XXXX  has not deleted these creditors and it took them more than 30 days ... .XXXX  -XXXX and 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 2020-04-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a store card with Amazon thru Synchrony Bank, I went to the account via chat to request to have the payments deferred due to the Corvid-19, we have no money at this time, not working staying home, they deferred this month but will have to call next month again if need to defer, however they will keep charging interest which is not fair, their interest to start with is extremely high, they will waive late fees but the interest will be charged, how bad can that be? they are helping but hurting us at the same time. 
I find it outrageous that with what we are going thru at this time this bank wants to keep charging interest to the balances, thats no help, by the time we are able to go back to work we would owe so much more that the payments will be too high to pay. Very inconsiderate in their part. I have a credit card with XXXX XXXX and XXXX and they deferred my payments 90 days with no lates and no interest to be accrued.

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 2021-08-30
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I purchased the XXXX Hyundai  I was leasing from Hyundai Finance They received my check on XX/XX/XXXX {$10.00}, XXXX I waited for the title to be sent and I called XX/XX/XXXX and was told they needed an odometer reading < I was never told that I received the form and faxed it 4 times and emailed once. They keep claiming they never received it I have fax verifications I even emailed the dealership XXXX  Hyundai ( they do not answer the phone ) no response I am at the end of my rope I do not know what else to do

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 2021-08-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Me and my husband had this Wells Fargo credit card in 2002. Myhusband made his payments on the card until he loss his job. Theyoffered us an settlement offer of 4 payments. I made all of mypayments on time. The very last payment I made was on time, butthey did n't process it until the next day. So the customer servicerep. to me I was late on my payment, so they was n't going to honorthe offer. I told them I made my payment on time. He said, '' Well we did n't get it on time, so your late and the payment offeris no longer good. '' I also tried to get the information from my bankto use but it has been more than 7 years the bank do n't have theinformation. I do n't owe them anything at all. I made my payments asagreed and they did n't keep there arrangement. The balance is XXXX. 
They put it on my credit as if I never made a payment and so forth. 
Now they have XXXX XXXX XXXX reporting there information. Thisdebt is more than 13 years old. They still manage to sell info to XXXXto resubmit it on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company is not being honest with what they have done with my money. This is my third complaint. As explained in the first two complaints SP Servicing held my account for one month when they bought it from XXXX XXXX. My first payment was due on XX/XX/2020. I paid on time as I always have. I also applied two payments to my principle. They took all my money paid and applied it to interest with some type of story how " my interest is compounded daily '' blah blah. They also tried to say that there was an error on how XXXX XXXX  processed my interest and they took the extra payments for that, but when I filed my second complaint demanding verification on what they error was lo and behold they couldn't tell me. So they stated that {$280.00} that they stole from me was sent back to me in my escrow check. Not true. You will see on two screen shots that all my money I paid to them in one month went totally to interest and when they were caught they moved my principle payments to escrow without ever applying them to my principle and look at the attachment! The {$280.00} they state was sent to me is guess what? Still sitting in escrow. When I called to inquire why this money was not returned to me I was told it was for " fees ''. Although they couldn't tell me what the fees were for during the phone call. SP Servicing stated that my account was under review and they would tell me in writing within 30 days. So now they must answer why they lied and told you they mailed this money to me as part of my escrow when in fact they did not. Lastly they owe me more money than my account shows, because they never applied my principle payments to guess what? Principle. Therefore, when they quoted my pay-off they overquoted what I actually owed. I need that reimbursed as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX  and experian has not deleted these creditors and it took them more than 30 days ... .XXXX  -XXXX  and 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 2021-08-30
Company: Experian Information Solutions Inc.
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:
On XX/XX/2020 I settled a debt with XXXX, I recached an agreement with collector ( XXXX ) stating as follows, once my debit was payed a letter was sent out to the three credit bureau reporting agencies Experian, XXXX  and XXXX  advising them to take off any remarks relating to this debit. I have tired to reach the credit bureau 's to discuss there role in upholding the decision made by XXXX but i have not been able to secure that decision. I have the necessary documents proving that an agreement was made between me and XXXX to have any remarks regrading this debit to be completely removed from all of my three my credit files.

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 2023-01-04
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30
Company: VW Credit
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Volkswagen Credit Account No. XXXX As of XX/XX/XXXX, there were three payments of {$310.00} due on the lease. The purchase option for the vehicle was {$13000.00}. Thus, the total due payoff the lease and to purchase the vehicle ( confirmed by phone by me ) was : 3 lease payments x {$310.00} = {$930.00} Purchase option {$13000.00} {$14000.00} The leased vehicle, a XXXX XXXX XXXX XXXX XXXX was traded to XXXX XXXX XXXX of XXXX, Ohio on XX/XX/XXXX. ( See attached Purchase Order ) XXXX purchased the vehicle for {$14000.00} and was supposed to pay off the lease and acquire title to the vehicle. 

I was unable to stop my bank from automatically paying the XX/XX/XXXX lease payment to VW Credit, thus I am due a refund of the {$310.00} payment. 

Volkswagen Credit has retained the {$310.00} payment and has refused to refund it despite my making a request on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was trying to pay my mortgage over the phone and the automated system kept telling me that it did n't recognize my account number, when I finally got through and entered my bank account information the payment seemed to go through and I was given a confirmation number. I called and checked on it several days later and it confirmed that my payment was received. When I received my next statement it showed a " payment reversal '' and a late fee charge. When I called to ask why my payment was reversed I was told that I entered my account number wrong. I was charged a {$100.00} late fee. I believe that it was the system 's error that caused this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-30
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Credit Adjusters owes me XXXX XXXX for the damages and violations against me XXXX XXXX The Natural Person & Consumer. NCA sent me a letter stating I owed a debt. In this letter was numerous violations that NCA IS AWARE ABOUT! I have attached an affidavit of truth

Company response to consumer: Closed with explanation