BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
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:
I have been trying for over a year, nearly 2 to prove to all three credit bureau 's the information that XXXX continues to report is not accurate. Not only is it not accurate but according to the cares act during COVID the reports should not have even been made. Additionally, I have submitted at least 2 documents to confirm 2 or the 5 late payments reports are not true. I was given an arrangement with XXXX and they lied. I was told in XXXX that if I agreed to a payment arrangement and due to the cares act, missed payments would not be reported. It was not intentional at no time and did not happen. 

This is on going inaccuracies are affecting my life, my credit, and my family. Please someone needs to investigate and have XXXX fix it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: U.S. BANCORP
State: ID
Product: Credit card
Issue: Billing disputes

Complaint:
US Bank failed to process payment for a credit card I have with them, then reported late payments to the credit reporting agencies. I attempted to pay on XXXX XXXX 2014, XXXX XXXX 2014, and XXXX XXXX 2014. Because of misleading statements and actions by their representatives, my account has negative information. 

Details : I had an auto-pay setup that was working fine for months, then a payment was returned for insufficient funds. I tried to make a payment over the phone to one of their reps, long before the " 30 day late '' period. He took my debit card information and went through the motions, letting me know that my payment would be processed. Weeks later, after learning that there was no attempt to debit my account, I again called and spoke to a representative to took my payment information and sent me on my way. This happened repeatedly, and each time they neglected to process my payment. 

On my third call, I was transferred to a manager who informed me that there is some policy where payments ca n't be processed over the phone after XXXX comes back with insufficient funds - that I had to go into a branch to make a payment. At this point my account was many days past due, and it was showing on my credit report. Because of the misleading actions of their reps, I have negative info showing in my account. 

Additionally, I have a witness for all calls and the trip to a local US Bank branch to sort it out. After a thorough conversation with a US Bank representative, it appears that they have conveniently deleted any record of my conversations with them in 2014. I 've gone through their normal process for disputing this, with no results. I do n't know what to do from here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
My house payment was in the XXXX range. US BANK OFFERED A REFINANCE SO THAT WE COULD PAY OFF MY XXXX LINE OF CREDIT WITH THEM. They raised our interest rate by XXXX points. They did not pay off the XXXX line of credit that the claim I owe. My XXXX husband opened this line of credit & ai thin at least half should be removed. They face my husband ( the new one : XXXX XXXX a limited amount & only let him pay off certain debts. We now have a larger house payment, higher interest & they refuse to roll in this line of credit that 's chocking me. We worked again with XXXX at your branch on XXXX only to be turned down. Again & again we have been denied both by VA & US BANK. My husband & I have XXXX or better credit scores, decent income, own XXXX homed & XXXX cars. UsS bank prefers to leave me with their 16 % line of credit ( XXXX ) rather that roll that into our us bank home mortgage. Much more lucrative for them & they will likely end up Peking our house as they are chocking us with 7 % mortgage & 16 % line of credit XXXX XXXX ). My husband has SS & a great XXXX pension. Is his XXXX yr old age a factor? Iwe own XXXX homes free & clear & another only XXXX left on mortgage. The one we 're living in we owe XXXX thanks TO US BANK. Please advise XXXX & XXXX XXXX XXXX XXXX ( also their drive by appraisal of our home was very low -- XXXX trailer in front that blocked the homes view..! ) we are disappointed & my husband has XXXX XXXX XXXX. His stress is now enormous that 's to the lies & the " No '' s we were given. Our veterans deserve better. He has more integrity than US bank will ever know. 
Cheated out of our opportunity in XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA 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 2017-02-15
Company: U.S. BANCORP
State: WA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for US bank loan in the amount of {$6000.00} to rent an apartment, establish my life independtantly from my parents, and begin working. I was not credited the loan. I took out a {$500.00} line of credit and received a report that my credit card was used to purchased a taxi cab service in XXXX. I reside in XXXX XXXX and have not left the state since traveling to XXXX over the summer. My SSN was published via social media accounts and I believe it was likely used maliciously.

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 2015-07-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My husband and I have a joint credit card issued by Chase. Over the past several years the card numbers have been repeatedly stolen by thieves who have access to Chase 's data. The numbers are then used to make fake credit cards to purchase things all over the world. We were told this by Chase customer service representatives. Over at most XXXX years this has occurred on eight separate occasions, most recently XX/XX/XXXX. Each time Chase blocks our account ( because of " suspicious activity '' ) and we find out only when a credit card charge is declined which is quite embarrassing. This then requires us to call Chase, go through a lengthy phone interview and identity verification, receive a new card, update all online bank payment information, etc. 
Finally, after the XXXX time, I wrote Chase requesting compensation for this because it is clearly a result of Chase 's lax security - no other bank 's credit cards ever are blocked in my experience. A letter dated XXXX XXXX was sent to Chase regarding this request ( attachment ) but other than several phone calls promising a substantive response and an email from a XXXX XXXX, no substantive response has been. I have made several calls to XXXX XXXX and sent him an email saying that no response has been received. As of today, XXXX XXXX, nothing further is apparently forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: CITIBANK, N.A.
State: NC
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 have made multiple attempts to get this company to remove the information from my reports but they refuse to do so. I have asked multiple times that they send me a copy of the application because I told them long ago that this account did not belong to Most importantly, the account is outdated and the company continues to illegally report it. I get monthly alerts stating that this account was paid late within the past 30 days and there has been NO activity on the account from what appears to be 2013. This is illegal and they refuse to stop violating laws in place. My credit score has been impacted by a 129 drop because this company reported a payment as late on this inactive account every month.

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 2016-01-19
Company: Paypal Holdings, Inc
State: WA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I was unknowingly signed up for a paypal line of credit in 2005. Paypal was apparently sending invoices to an inactive email address. After I was unknowingly signed up, I was unknowingly caused to use this line of credit during XXXX purchases. I unknowingly accrued interest and late fees until such a time that Paypal sent me a written notice in the mail. When I received the notice in the mail, it was the first time I became aware of the account, the charges and the fees. This must have happened in an underhanded way because I have been a Paypal customer for years and made hundreds of purchases, and never have I authorized or chosen to use anything other than my own credit cards and bank account. I want to join in on the class action lawsuit against Paypal for this illegal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent money via Paypal ( see below ) to a friend, and after 6 days, that money is not accounted for in their account, my account, or in my paypal balance. 
I have been advised that the balance would show up in my papypal account on Thursday, I have been advised that the balance would be returned to my bank account, and I have been advised that the payment was sent. As you can see, these XXXX options do not match, AND, none of them are true. 
XXXX XXXX 2016 XXXX XXXX Money Sent Loading transaction details for XXXX XXXX Money Sent -negative {$300.00} Repeat this transaction Close Paid with XXXX BANK XXXX XXXX Transaction ID XXXX Sent to XXXX XXXX XXXXXXXXXXXX Details Sent to XXXX XXXX {$300.00} Fee {$0.00} Total {$300.00} See details on classic site

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: CAVALRY INVESTMENTS, LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern : I am writing this dispute in response to the recent garnishments that occurred from my paychecks in XX/XX/XXXX and ending in XX/XX/XXXX on a debt Cavalry Portfolio purchased from XXXX XXXX. With the conclusion and full release of the garnishments, I consider this account paid in full. 

Cavalry Portfolio continues to report this account as unpaid for the full amount on my credit file. I have requested validity of this and not received a response. I am requesting this be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: Residential Credit Solutions, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was serviced by Residential Credit Solutions. I tried to work with them, including having the city foreclosure prevention office contact them while I was in the office. The city 's representative spoke to the same person I dealt with, and offered a {$10000.00} good faith payment with the request to help me modify my loan. The woman flat-out refused, and when I called her shortly afterward, she first denied having spoken to anyone, then said she had spoken to someone, but that no offer of money had been made ( I was sitting next to the man when he called her ; I did n't tell her that ). The loan was transferred so many times, the original loan documents were lost. The lender filed an Affidavit of Lost Documents with the court, which is how I found out. I went to my foreclosure hearing and brought up the lost documents to the judge, XXXX XXXX. His response : " They 'll find them. '' He signed the foreclosure order promptly. I continued to try to work with them, even finding a company who tried to negotiate with them with me on the conference call. The Residential Credit Solutions representative was very friendly, very nice, and said he would work with us to have the foreclosure order cancelled. Not long after, I learned that my house was being sold in a week, and it was. 
I tried before, during, and after the foreclosure right up until the house was sold to get anyone to help. I came across this site today just making another query to be certain I had exhausted all my options. My issues are : 1 ) the company did not operate in good faith when they refused the offer of money to partially cure the outstanding payments ; 2 ) the company similarly did not show good faith when an offer to cancel the foreclosure order was made to me and I was lead to believe they were working with me, when all they were doing was stalling until the sale ; 3 ) the original loan documents were never produced, although someone signed an affidavit stating he/she " personally '' was involved in the sale ( which was not possible since the loan had been sold and transferred long after the sale ). 
When I read about the order for penalties against Residential Credit Solutions, I was hopeful there would be some recourse for me. Losing a home is traumatic, but losing XXXX due to someone 's unscrupulous, unethical, and deceitful practice makes it that much worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We Defaulted on our car lease payment in 2018 because the XXXX dealership we leased the vehicle from went out of business. so we called that particular location for a few months but couldn't get a whole of anyone. we were finally able to reach a customer service representative at another location that told us to turn the vehicle in since it was been repossess for the delay in payment which we did. the lease was in both my name and my wife 's. This particular account started reporting on both our credit reports as derogatory. but this account from the get go has always reported inaccurately on my reports XXXX  XXXX  and XXXX  had wrong information on their separate platforms about this account and every time i disputed the errors and demanded that the account been removed from my credit report for been inaccurate the particular error will be fixed but the account will remain. Even though this account was written off as bad debt for the full amount of the vehicul in question after we had made more than half of the aforementioned amount before turning the car in we had a certain Convergent Outsourcing, Inc contact us in an effort to collect the debt. And at this same time this XXXX-XXXX  XXXX went ahead and reported fraudulently on our credit report new payment that we never made and my guest is that they did this to move the status of limitations on this account ahead to the can fraudulently still take our money. Please help us fight this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$37000.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. $ XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4400.00} Status Account charged off. {$4300.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8100.00} Status Account charged off/N

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 2022-05-25
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: Investigation took more than 30 days

Complaint:
Credit companies are not complying with their own policies in a timely manner. On XXXX XXXX I contacted them via mail concerning unauthorized inquiries and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: ENOVA INTERNATIONAL, 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:
In XXXX of XXXX I hired XXXX XXXX XXXX to help with debt management. All companies involved, including XXXX, agreed to repayment plans via XXXX XXXX XXXX. Their agreed upon amount was {$260.00} per month. In XXXX of XXXX I had XXXX XXXX Counseling contact XXXX  to get a current balance due. At this point they said {$3300.00} left to pay. In XXXX of XXXX a final payment of {$200.00} was paid. During this entire time they have been reporting to the credit agencies that I am past due and that I owe them more than what I did, when I was paying them, on time, on the agreed upon amount. They have been reporting this for almost two years and continue to report the account as open and past due when it is not. XXXX entered into a contract, as all the other companies, with XXXX XXXX XXXX, accepting their terms and repayment, but continued to report as a delinquent account when, in fact, they were being paid correctly and on time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Us Bank Mortgage Company gave me a Modification XX/XX/XXXX, My mortgage payment was {$900.00} and {$920.00}, XX/XX/XXXX my mortgage went up to {$1000.00} I fell behind in my mortgage payment and asked US bank for a Mortgage or repayment because I am only 4 months behind. Well after months of waiting I called Us Bank this morning and spoke with Loss Mitigation department, I was told I was denied for both repayment and Modification, I was well aware I did not qualify for Modification, I just ask for a repayment and was denied that also, the person I spoke with she my income was so low and I asked her what did they have on file, the amount they have on file was incorrect and they never asked me to verify if the amount they had in place was correct or not. I have been dealing with US Bank for XXXX now and I am sure they have records showing my income to more than what was on my file. Please look into this for me I truly do n't believe Us Bank Home Mortgage even have the title to my home.

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 2016-09-08
Company: M&T BANK CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage, tried forever to modify it. Then it was sold to another bank. Again I have tried to modify it. These banks have n't sent me statements. I have no idea where there balances are coming from. They tell me they do not have to give me anything. I know I am being ripped off. Now on XXXX16 my home of XXXX yrs is being foreclosed and were homeless. I feel like I had no rights. Its wrong how these mortgage lenders treat people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2022-08-18
Company: RFNA, LP
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Republic Financial keep call me Want there money I have told them to talk to you that yall are the one to call Not me .they call all the time I have talk to and man there his name is XXXX I told them if they had? to call yall and they keep call me they want there money that I do not have having and headline pay this right know that why I ask yall to help me with my bills Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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