BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-25
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification via my credit monitoring service that I had a collection placed on my account. This dropped my score over XXXX points. I never received a notification of owing the debt or that I could dispute the debt. I requested verification of the debt and the only thing they sent me was a bill from XXXX. This debt was previously with another debt collection company and I contacted XXXX and they said I did not owe the debt. I communicated that to Southwest Credit Systems and they told me I owed the debt. I have only received 2 communications from them and that was after they reported my account to the credit bureaus. Additionally this account is from 2015 which is 7 years old but they are reporting it as if it was new.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$970.00} XXXX  XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy US BKPT CT XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/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 non-monetary relief
Consumer complaint received 2016-07-29
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have tried to get a Mortgage from US Bank and have submitted all taxes & XXXX forms etc, what ever they requested. After multiple delays on there part, mortgage agent went on vacation for two weeks as did XXXX XXXX the Supervisor for this XXXX Colorado area, I was pushed aside, have been ignored on phone messages and emails. They I was told I do n't need a prequel letter til I have a sales contract. The real Estate Agent said without prequel letter we ca n't lock in rates or move forward?? So being XXXX, & US Bank is aware of this, I have been pushed aside for bigger loans as mine is a very small loan. Discrimination is playing a factor into all this from the fact I 'm XXXX and easily tricked into the wrong protocol as told to due & the fact my loan is not a large loan and is not considered as important. But locking in rates, getting a prequel letter comes BEFORE CONTRACT!!! This I have been told is not true saved on my email from US BANK Supervisor and US Bank Mortgage Agent.

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 2020-03-19
Company: EQUIFAX, INC.
State: NC
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:
For about a month now I have been in contact with Equifax regarding some accounts that were already asked to be removed from my credit report by myself and assumedly by XXXX. XXXX   and XXXX  have removed the accounts from their bureaus. Equifax has not. Equifax has removed the creditor 's name ( XXXX  ) but is still reporting the remainder of the account information for the accounts in question ( there are some generic numbers in place of XXXX 's name ). They told me that XXXX had not requested that the information be removed and they would have to request that the information be removed from the report before Equifax would remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Several years ago in XXXX of XXXX, I bought furniture from XXXX XXXX   a furniture company in XXXX XXXX CA for a promotional offer of 0 % interest for 36 months. They stated they would take a minimum balance every month for 36 months until debt was paid of. On XX/XX/XXXX I was given a {$970.00} interest charge and on XX/XX/XXXX I was given a {$1400.00} interest charge ballooning my balance to {$6700.00}. No one will answer my questions and they say it was in the contract however as we they explained to me in person or over the phone my balance would never be charged interest.

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 2015-05-16
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am disputing all of the RCS Mortgage late payments on my XXXX credit report. 

This Mortgage loan was included in my Chapter XXXX Bankruptcy which was filed XXXX/XXXX/XXXX and completed successfully XXXX/XXXX/XXXX. The mortgage, initially with XXXX and than with RCS, was included in the bankruptcy. On the bankruptcy its value is {$47000.00}. 

On XXXX/XXXX/XXXX there was an Order Granting Relief From XXXX XXXX. This let RCS get the collateral which is the property. In no way does the wording say that the creditor could collect money from the loan, it just gives them the house. 

Each of the RCS late payments are after our bankruptcy was successfully completed. So this loan did not even exist at the point of the late payments. So there is no way that we could have a late payment on a loan that was already eliminated through bankruptcy. 

Here is how our Bankruptcy Attorney explained the Stay to us : '' You filed chapter XXXX. You surrendered a home and allowed the creditor to foreclose. In order to do that the bankruptcy court has to lift the stay to allow the creditor to go after the property. The Order from the bankruptcy court does not say anything about allowing the creditor to seek money from you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: HI
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. These are the items that needs attention : XXXX XXXX XXXX PL XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. These are the items that needs attention : 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 non-monetary relief
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: NJ
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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  DEPT OF ED/XXXX DPT ED/XXXX  XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DEPT OF ED/XXXX  DPT ED/XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX DEPT OF ED/XXXX  DPT ED/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: U.S. BANCORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Good Morning, I am asking for help to reduce my car payment. I currently pay {$620.00} a month for a vehicle. I could n't afford the vehicle, but because of a XXXX I developed while I was in the military XXXX, I could not stop my compulsion to get what I wanted. I am a veteran and I was diagnosed with XXXX and XXXX XX/XX/XXXX. I have recently had some success at treating my condition and the VA notified me I am going to lose some of an entitlement due to the change in my XXXX. Some of the decisions I have made financially were in direct contrast to being well thought out. When I purchased the XXXX Dodge Durango I traded in a XXXX Nissan Altima Hybrid. There was nothing wrong with the hybrid but I was so convinced that I needed a new car that I could n't see the compulsion was determining my decision rather than making a rational decision. I had so much negative equity ( XXXX ) that was adding to the Durango that I should have been able to stop and walk away. But because of my condition I could not recognize getting the new car I wanted was more important than knowing if I could afford the car. And now that I am losing just over {$2000.00} a month, and I am XXXX, I know I ca n't afford {$620.00} a month ( This is n't the only bill of course - I am addressing all of them so that I can make my my budget work. ) Really, I could n't afford it then either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Net Credit added a XXXX dollar late fee to my account after i just made two payments of XXXX in XXXX, i wasn't aware of the charge in till the next month. Then they reported to the credit bureau that my account was thirty days behind. When I spoke to the customer service rep on the phone in XXXX she said nothing about a XXXX dollar late fee. As a result my credit score went down 76 points. Also the interest rate that I'm being charged is illegal in the state of south Carolina. I talked with another customer service rep on XX/XX/20 and he told me that the customer service rep should have added the XXXX dollar late fee to the two payments i had just made, and that it was Net credit fault. I called a member of management and talked with them on XX/XX/-20 about the contract and the high interest, also about the late fee, she said it was nothing she could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2020-03-17
Company: EQUIFAX, INC.
State: OH
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:
I only took out 6 loans total with XXXX XXXX of whom is now XXXX. 
XX/XX/XXXX for {$1800.00} PAID XX/XX/XXXX XX/XX/XXXX for {$1300.00} PAID XX/XX/XXXX XX/XX/XXXX for {$1300.00} PAID XX/XX/XXXX XX/XX/XXXX for {$2000.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX XX/XX/XXXX for {$4000.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX XX/XX/XXXX for {$3500.00} PAID XX/XX/XXXX WAS ACTUALLY PAID IN XXXX ***NONE OF MY LOANS WERE EVER LATE OR DEFAULTED AS THEY WERE PAID OF BY XXXX XXXX IN XXXX OF XXXX I HAVE ENCLOSED DOCUMENTATION OF PROOF OF STATEMENT THAT I HAVE AND THEY ARE TRUE AND ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am unable to pay through their online account system because they claim my account is past due. My account is allegedly past due because they didn't send their " welcome '' packet in time to make a payment. We actually attempted to make the payment when Fay Servicing took over and they didn't let us because the account hadn't officially been transferred my the normal payment date. They will not call me back and I'm growing increasingly concerned they're making it difficult to pay in order to put people further into debt. 

They also have failed to send me a W9 form in their " welcome packet '' but threaten me with fines for not turning it into the IRS. I have multiple properties and have never experienced this treatment. 

Their online portal also does not state how much I have in escrow. This is concerning because my loan was serviced by a different company and was transferred to this one so I'm unsure if they collected the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a Capital One card for years and I asked them to take off the monthly fee that I had been paying for years and they refused so I paid the entire amount of {$1400.00} off on XX/XX/2020 and closed the account. Now they are saying that I owe another {$18.00} for interest even though I paid the entire amount due. I called Capital One and spoke with two people, one told me here was XXXX, and I can't remember the first ones name, but XXXX went into a long reason why I was still paying interest. I told her that with this system I would be paying interest forever and I don't think it is legal and if it is, it shouldn't be. When something is paid in full that should be it!!!!!. Please explain to me how and why they can do this. Please publish this because I am sure the consumer is not aware that they are being charged interest even though they don't owe anything anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-17
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account originated from XXXX XXXX XXXX XXXX. This account has been sold to three different collection agencies and inaccurate information has been placed on my account and I lost 75 points in total off of my credit score and I was refused a loan because of them. This same account was placed on my account twice by two different collection agencies at the same time after they sold the account to another collection agency. In addition, the amount that I owed was changed from XXXX to XXXX dollars. This information was reported on my credit report by another collection agency. Secondly, Common Wealth Finance keep re - aging the same account and confirming that this information is accurate when it is not during every dispute. This is a clear violation of the Fair Credit Reporting Act and my rights. Lastly, I am requesting since they have violated my rights more than once that this information be removed from XXXX XXXX, XXXX   and XXXX  credit bureaus immediately. TThank you for your assistance in this matter. My contact information is XXXX XXXX, XXXX, Georgia XXXX.

Company response to consumer: Closed with explanation