BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: U.S. BANCORP
State: OR
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:
US Bank is advertising a 0 % APR ( Annual percentage Rate ) for a balance transfer for 15 billing cycles. Yet Because they charge a 3 % fee for the balance transfer the actual APR is of course 2.4 %.

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 2021-05-26
Company: National Credit Systems,Inc.
State: AZ
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:
National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my creditXXXX XXXX XXXX and XXXX  are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact National Credit Systems and XXXX, XXXX  and XXXX correct and remove this inaccurate info from my credit report. 

6. The Balance is outrageous!! {$16000.00} for 1 months rent?? This is insane!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
ATTN : EQUIFAX I WOULD LIKE TO KNOW WHY YOU ARE CONTINUING TO REPORT INVALIDATED, INACCURATE, DISPUTED PERSONAL INFORMATION ON MY PERSONAL CREDIT REPORT? AS I HAVE DISPUTED THE FOLLOWING INACCURATE PERSOANL INFORMATION WITH EQUIFAX BEFORE, AND ACCORDING TO THE LETTER THAT I RECIEVED IN THE MAIL DATED XXXX XXXX, 2016 CONFIRMATION NUMBER # XXXX IT CLEARLY STATES THAT THE DISPUTED ITEMS ARE NO LONGER REPORTING ON MY PERSONAL CREDIT FILE! I HAVE RECEIVED MY FULLY UPDATED COPY OF MY EQUIFAX CREDIT REPORT, AND THE DISPUTED ITEMS HAVE BEEN REINSERTED BACK ON TO MY PERSONAL CREDIT REPORT, AS YOU EQUIFAX ARE IN FACT NO DOUBT AWARE THAT THIS IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT, BY EQUIFAX CONTINUING TO REPORT INVALIDATED, INACCURATE, DISPUTED PERSONAL INFORMATION ON MY PERSONAL CREDIT REPORT! 
THE FOLLOWING INACCURATE INFORMATION SHOULD NOT BE BEING DISPLAYED ON MY EQUIFAX CREDIT REPORT, WHICH I HAVE LISTED BELOW FOR YOUR REVIEW : XXXX CO XXXX- REPORTED XXXX XXXX CO XXXX- REPORTED XXXX XXXX CO XXXX- REPORTED : XXXX XXXX CO XXXX- REPORTED XXXX XXXX CO XXXX- REPORTED XXXX THE INACCURATE ADDRESS INFORMATION WAS DELETED FROM MY EQUIFAX CREDIT REPORT ON XXXX XXXX, 2016, THEN EQUIFAX RE-INSERTED IT BACK ON TO MY PERSONAL CREDIT REPORT, THIS IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT! THE FOLLOWING INFORMATION LISTED ABOVE SHOULD BE COMPLETELY REMOVED FROM MY PERSONAL CREDIT REPORT AS SOON AS POSSIBLE! 

XXXX XXXX THESE INACCURATE TELEPHONE NUMBERS WERE DELETED FROM MY EQUIFAX CREDIT REPORT ON XXXX XXXX, 2016, THEN EQUIFAX RE-INSERTED THEM BACK ON TO MY PERSONAL CREDIT REPORT, AS I AM SURE THAT EQUIFAX IS IN FACT NO DOUBT AWARE THAT THIS IS A KNOWINGLY AND DIRECT VIOLATION OF THE LAWS. THIS INVALIDATED, INACCURATE PERSONAL INFORMATION SHOULD BE COMPLETELY REMOVED AS SOON AS POSSIBLE, FAILURE TO DO SO COULD RESULT IN {$1000.00} DOLLAR FINE PER UNDELETED ITEM. 

( PLEASE REVIEW MY SUPPORTING DOCUMENTS )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My credit report shows an unknown address that does not belong to me, see following : XXXX XXXX XXXX XXXX XXXX, MI XXXX I would like to have it removed from my credit history. See attachment for detail. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-15
Company: EQUIFAX, INC.
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Hi i sent sent Equfax XXXX XXXX letter to validate an alleged dept on XXXX XXXX 2015 registered mail ( XXXX ) according to XXXX post they recieved letter.I excersized my lawfull right under section section 611 ( a ) ( 1 ) ( a ) their method of verification pursuant to the fair dept reporting act. I gave them 35 days to respond, they ignored mt letter. I sent another letter XXXX XXXX 2015 registered mail ( XXXX XXXX ) according to XXXX post they recieved this letter also.This letter basicaly told them they are non compliance of the fdra for not responding this dept has not been validated and its against federal law to keep reporting it.Please delete this derogatory item immediately.They had 30 days to respond any further delays are inexcusable. This is now been 60 days no response, they have blatant disreguard of the federal law.I sent out 3rd letter again excersizing my lawfull rights i told them under section 609 ( a ) ( 1 ) ( a ) i asked to see phyically see an origional signed certifyed consumer contract with wet ink signature on it.Copies of copies are not validation and by law are not considered proof.They have ignored three registered letters and are in serious violation of fcra.Due to their lack of response i presume that there is no proof of alleged dept, nor therefore any such dept, in fact exsists.According the the fdra any inaccurate or any unverifiable dept must be deleted.I want to have equfax comply with the federal law and delete this derogatory dept immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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: Personal information incorrect

Complaint:
XXXX  1. has my address listed multiple time XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX several times and XXXX  has my name wrong. These Inaccuracies must be deleted. 
2. XXXX XXXX account never late and is current. Stop reporting old information 3. XXXX can not be late because its in deferment due to pandemic. It's been that way since the pandemic. 
4. XXXX XXXX XXXX XXXX Can not be 5 times late because it was paid by settlement. XXXX dba XXXX XXXX XXXX XXXX is paid. 
All the accounts above bring a negative ouoom on how creditors see me and the refusal of updating is a blatant discriminatory act seeing from a person of XXXX really stains opportunities to grow and increase chances of getting credit in the future or financial help.

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 2016-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have contacted Equifax by phone and by mail several times now since getting a judgement against them. Please see the two letters attached. 1 is what I sent them and 2 is what they sent me back. I think words like negligence come to mind based upon their response. They seem to think I 'm disputing a judgement on my credit report when in fact I am tryting to collect on XXXX that they owe for {$620.00} to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
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: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax credit bureau in regards to a repossession account with XXXX XXXX XXXX XXXX XXXX. 

I cited - XXXX. EFFECT OF ERRORS OR OMISSIONS. 

I have older credit reports that I can provide to prove that this account has been reporting incorrectly. I have submitted them to Equifax on more than one occasion. Which lead to Equifax updating the tradelines but now with changing the original date of deficiency, causing this tradeline to remain on my credit reports for longer than it should. 

It is the responsibility of Equifax to report factual, and actual instances on my credit reports. Therefore they are in violation of my rights. 

I have attached two files from 2019. It will show what was on my credit reports and what Equifax updated it to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Experian Information Solutions Inc.
State: MD
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:
My first letter to XXXX, Experian, and XXXX was dated XX/XX/2021, and my second letter was dated XX/XX/2021. As of today, I still haven't received any response to either letter. 

XX/XX/XXXX, the letter was about the inquiries, and XX/XX/XXXX, the letter was about verifying the bankruptcies on my credit file. Nothing has been addressed by any of the 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 2016-11-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This Bureau needs sanctioning and monitoring consistently. We have inquired an inquiries and nothing done this bureau suggested you the consumer to contact the Inquiry Companies When it is the bureau to remove them when you call the companies they all suggest bureau removal when Fraud Alerts are filed. We get No where with Equifax they delay removal and refused to delete even with Court Ordered Removals. We are XXXX and look for your help to correct this report and STOP this bureau from doing nothing more than VIOLATING the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Focus Holding Company
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We keep getting automated calls from a " debt collection '' company called FOCUS RECEIVABLES MANAGEMENT. They tell us to call a number, which is XXXX, but we do n't bother because we do not owe any debt. We do not want to receive calls from this company. If they are collecting debt, they are not very good at it. If they are not, they are scammers and need to be dealt with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Big Picture Loans, LLC
State: WY
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
XXXX The pay day loan company keeps charging my account even though I have paid more than the agreed amount and they hang up on me when I try to call them and find out why. They always put me on hold and hang up the call. I have paid {$50.00} over the agreed loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was informed that my account was being closed due to third party deposits inside of my account from two different step cousins, the deposits were coming since XXXX hard to believe if there where a problem that they would allow it for so long, on XX/XX/XXXX I received a XXXX hold on my account I then called the bank and they informed me that I had to take my two step cousins and add them to each account, I took one and added him and once I got around to taking the other one due to schedules they said it was no need my account was being closed anyway, I can get the idea but its not fraud if they knew and didnt think they can open a account. Now my money is being held I have no access to move let alone by kids diaper! Ive called numerous of times and have received so much information my head is starting to XXXX! And there still accepting deposits instead of sending them back so I can atleast have some money! My taxes just got sent another big deposit! Was made! And I cant change it because we all know you cant update your direct deposit on taxes once it sent and the other company i called multiple times no answers so my payment was accepted by boa! Im completely shocked at this and hopping something gives!!!!

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 monetary relief
Consumer complaint received 2015-04-07
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, XX/XX/2015 I filed a complaint against Enhanced Recovery Company , LLC with CFBP case No. XXXX and they submitted a letter Via E-mail to CFBP on XXXX XXXX, XX/XX/2015 in response to my complaint and promised to request a deletion of the collection they placed on all XXXX major Credit Bureau 's from my credit Bureau Reports. 
As of today, XXXX XXXX, XX/XX/2015 Enhanced Recovery Company , LLC have not request a deletion on any of the XXXX major Credit Bureaus ( XXXX ) this action might constitute fraud under both Federal and State Laws. On XXXX XXXX, XX/XX/2015 as a response to my complaint your Agency made the following statement : " In an effort to resolve XXXX XXXX ' concerns, our agency has submitted a deletion request with all credit reporting agencies associated with the account and our office on XXXX XXXX, XX/XX/2015 Please allow up to XXXX days for the credit reporting agencies to process our request. Our agency will have no further contact with XXXX XXXX regarding this account. In order to make our client aware of XXXX XXXX ' concerns, our agency will forward this complaint to our client XXXX XXXX ''. 

Also as of today your Agency are unable to provide the proper documentation as requested in the following Declaration. 
Copies of the original application for this account Signatures associated with this account Billing statements associated with this account Any payment history associated with this accountDue to this fact negative mark is found on my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I am requesting Enhanced Recovery Company , LLC collection to immediately remove all negative remarks of all XXXX major Credit Bureaus and cease any collection activity for failure to validate this debt as promised in the letter forwarded to CFBP and if not I will consult with my legal counsel for suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
They called my mother 's cell phone and NOT ME. When I called to find out who it was & what for. I have NEVER received a debt letter or heard of ERC. When the collector demanded collection & told her that her company has never sent me a letter of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-18
Company: CarFinance Capital LLC, Irvine, CA Branch
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a loan with Carfinancial Capital since XX/XX/XXXX. the due date was requested to change on XX/XX/XXXX after I get my new job outside the USA from XXXX to the XXXX of each month, the change was requested in order to avoid late fees. The finance manager at the time XXXX XXXX who I believe is not longer with the organization agreed and approved to the change but six month later I started receiving harassing calls and letters from the company because the account had accumulative late fees, Then I came to know that the new due date was never adjusted. I had tried several times to come into an agreement with the company about the due date since my payroll date is on the XXXX of each month and by the time I wired the money to usa and I make the payment It ca n't be earlier than the XXXX but their answer is always very rude and with no accomplishment, I am making my payment each month and on time but due to their negligence to fix the situation from XX/XX/XXXX the account keeps increasing with late fees. I have several communication on the phone and the very last ones in writing to the manager of finance department with no reply from their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Big Picture Loans, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I received an installment loan from a company and was preapproved through a letter from this company, which claims to be tribal and in the approval letter claimed that I was one of only a few to be approved for a loan from this company. I then went to the website and applied for a XXXX loan which I was approved for and in the initial repayment schedule showed that I will be repaying XXXX which is reasonable for a XXXX loan. After the loan was completed, I received a call from one of their representatives to talk over what the loan entails. The call lasted roughly XXXX minutes which included a recording I was made to listen to for about 2 of those minutes, afterwards the person came back on the line and proceeded to read a fixed statement in the most slow, monotone and non enthusiastic way possible, seemed like a way for me to tune out what exactly was said in order to cover up mal business practice. Once I received the money which was deposited the next business day, I tried to open the loan agreement online and my browser returned an, " unable to view documents '' page. I went back to the original website and checked to see how the loans were repaid and upon looking I found that the payment structure of such a loan was so outlandish that it made my stomach turn, the original XXXX, which on " your account '' page shows XXXX, but the structure will force the consumer to make a payment of XXXX four times and then a fifth time of XXXX before making any dent to the original XXXX loan and that the total XXXX would be repaid over the course of 24 months. with an interest rate of over 800 % roughly on every repayment. which over the course of XXXX months repayment would be close to XXXX. I was not made aware anywhere in the initial mail, any emails or even in the websites application process that this would take XXXX months to repay wit an out of this world interest rate. I have searched online and not to my surprise I found others who have had similar issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The debt collection company IC Systems has continued to call me every day at least 2-3 time per day even on Saturdays. I have kept track of the dates and number that they continue to call me from. The following are the dates, and numbers. 
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 The above dates are for 2021.

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 2021-05-26
Company: Freedom Mortgage Company
State: GA
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 am a secondary borrower for this mortgage loan. I co-signed with my sister. My sister filed XXXX XXXX Bankruptcy in 2016. This mortgage is under her bankruptcy. The mortgage will not stop reporting this account as delinquent on my credit report. I would like for them to stop reporting erroneous information. They are also utilizing bullying tactics

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 2016-09-02
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I called the company on XXXX/XXXX/16 to request that all ACH transactions be stopped due to a problem with my bank account. I was told it was stopped and nothing would be debited. I sent in a money order as my p/ayment as instructed as an option to pay. I called a 2nd time on However, my account was still debited and I 'm being told there 's nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Big Picture Loans, LLC
State: ME
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I borrowed XXXX from castle payday and they said I would have to pay back XXXX now they tell me the XXXX a month is interest only now the closed castle payday and opened it under XXXX payday

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: LEXISNEXIS
State: VA
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:
Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I have reached out to the court house where the alleged bankruptcy was filed and they have assured me that they do not furnish this information. I have tried to solve the issue with lexis nexis and they only updated the information and did not provide their method of verification.

Company response to consumer: Closed with explanation