BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 19 accounts that were paid in full, old accounts that were supposed to be deleted. 
The following accounts are impermissible : 1. XXXX/XXXX XXXX, XX/XX/XXXX 2. XXXX/XXXX XXXX, XX/XX/XXXX XXXX.XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX 6. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX/XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX/ XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX/XXXX, XX/XX/XXXX XXXX. XXXX /XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Dear Credit Reporting Bureaus : I have been monitoring my credit scores weekly for about two years now and I am " stumped '' at the constant fluctuation in my FICO score from week to week. Thus, I have had to break down and purchase XXXX at {$20.00} per month just to try to protect myself further. Monitoring my credit scores and constantly having to fix them is taking a significant amount of time out of my life. This should never be! 

I have a complaint about your FICO score calculations and the fact that there is no " explanation '' as to the CONSTANT fluctuation in my score every week. 
On XXXX XXXX, I checked my FICO score and it was XXXX. Within one week ( today ), my FICO score dropped XXXX points with XXXX ... XXXX points with Equifax ... and XXXX points with XXXX. When I viewed my credit report, I saw that I had done nothing wrong. I continue to obtain credit offers with lower interest rates, I am never denied credit, and I pay my payments on-time with all of my new accounts. 
Since you credit reporting agencies hold so much " power '' over a person 's life ( their FICO score determines if they can buy a house, buy a car, rent an apartment, get a job, and various other " life issues '' I INSIST on a detailed, specific, verifiable explanation as to WHY my scores dropped from each of you. Since your agencies actually assigns a NUMBER which determines whether a person has " very poor '' credit ... '' poor '' " fair '' " good '' and then " excellent '' credit, there must be a certain " MATH '' that you use for each point. I demand to know the math - long form, that you have used to drop my scores. 
I have requested this about 1 1/2 year ago and was given a vague, ambiguous answer by credit reporting agencies that are authorized by the government to assign these FICO scores. This is NOT ACCEPTABLE!!!! 
Since your calculation can keep me from buying a car, home, or even rent a simple apartment. Since you have SO MUCH control over my life ... because of the FICO score that YOU determine. I want to know " specifically '' WHY my score has dropped with detailed explanation. 
When such serious responsibility is given to an organization, then ACCOUNTABILITY is required. 
So, to XXXX ... please tell me why you dropped my score by XXXX points within one week? 
To Equifax ... please tell me why you dropped my score by XXXX points within one week? 
To XXXX ... please tell me why you dropped my score by XXXX points within one week. 
Please take responsibility by being " vigilant '' when an outsider attempts to provide information to assure that it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022 I was the applicant ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis. ) ) 12 CFR 1002.2 ( z ) Prohibited basis means race, color, religion, national origin, sex, marital status, or age ( provided that the applicant has the capacity to enter into a binding contract ) ; the fact that all or part of the applicant 's income derives from any public assistance program ; or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the Bureau. And applied for a DISCOVER credit card via an application where i the consumer am the applicant, was denied of my good faith in extension of my credit. An inquiry was reported without my consent and my social security was used without authorization and there is no open account with discover whatsoever. There reasoning was " THE NUMBER OF RECENT INQUIRIES ''. Completely against the law to deny a consumer wanting to extend there on credit. According to the Equal Credit Opportunity Act 12 CFR 1002 an is discrimination against a creditworthy consumer, 12 CFR 1002.2 ( n ) Discriminate against an applicant means to treat an applicant less favorably than other applicants.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a home equity loan with Bank of America. It was paid off almost two months ago. I received nothing and all information was removed from online so on XXXX XXXX I called and I told them I wanted an accounting of the payoff since there was noting online. They told me I was to receive a {$260.00} but did not send an accounting which at this point I demanded. I reiterated several times my request for an accounting bringing all information current from my last statement. Subsequently I received a check in the mail for {$110.00} with absolutely nothing else - NO explanation as to how that amount had been arrived at. I called on XXXX XXXX an again demanded an accounting of all activity in the account from the date of my last statement up to when the issued the check. Instead of an accounting today ( XXXX XXXX ) I received a letter saying that the lien on my property was released and I could contact the country recorder to verify it. STILL no accounting. I called Bank of America once more and demanded to speak to the legal department. I got the total run-around. The person who was screening my calls said she had to have my credit card number so she could identify me. I had given her the loan number probably 10 times and explained numerous times that this matter had nothing whatsoever with a credit card. I came to realize that Bank of America is withholding financial information from customers to which they are entitled and no matter what you do you simply can not get that information. I figured if this is their policy they must be making XXXX dollars on the innocent public. I intend to find a lawf irm that is interested in filing a class action suit against them. Manwhile I felt they should be registered here. All I wanted was an accounting from my last statement through to when they issued the refund check and how the amount of the check was determined. I have a right to know that information but they refused to give it to me.

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 2016-06-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
someone used my bank card link to my checking account and made unauthorized transactions while I was traveling abroad, it was an identity theft. I file a police report for that matter and contacted the bank and the merchant, submitted a lot of documents and at the end the bank denied the claim for no valid reason at all! its XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Upstart Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
A company that claimed to be Upstart XXXX  contacted me on my cell informing that Ive been approved for a loan, but due to my credit history, the first installment would be due on the same phone call. Instead of withdrawing the funds from my checking account or debit card, I was told to purchase 2 gift cards in the amounts of {$250.00} and {$500.00}. Once the gift card numbers and PIN were provided, I was told the funds would be deposited into my checking account. After waiting for hours, no money was ever deposited. After calling the loan agent 15 times, he picked up on the 15th attempt and to make a long story short, asked more of me, in order to obtain a loan that I was never going to get. In the end, I was denied a refund from this company and denied a claim with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute last month and still have not gotten a response back from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: Wilber and Associates, P.C.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The collecting agent used extremely rude and abusive languages when they called me before XXXX XXXX and during my work. When I try to get more information about what this debt about, they are refuse to give me more details and keep asking me to give out my personal information. When I refused to give them my personal information, the representative threatened me then hang up on me immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from Central Financial COntrol/syndicate office systems I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Central Financial COntrol/syndicate office systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I got an alert on XX/XX/XXXX about a collection showing on my report that is completely inaccurate. I spoke with a representative on XX/XX/XXXX and was told this information has been on my credit report since XX/XX/XXXX. This is a lie because I pulled my report on XX/XX/XXXX and had no such file. I have attached the current inaccuracy dated XX/XX/XXXX and the report from XX/XX/XXXX. How can you report and verify that this collection has been on my credit report since XX/XX/XXXX but it not be on a report I pulled 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 explanation
Consumer complaint received 2015-06-23
Company: Gold Star Finance, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
THE XXXX APPLICATION FOR THE XXXX LOAN WAS REJECTED. 
I SPOKE WITH THE MANAGEMENT BASED ON THEREJECTION OF THE XXXX LOAN. 
I EXPRESSED TO THE MANAGEMENT THAT THEREAL REASON FOR THE REJECTION WAS THEUSE OF DEBT MANAGEMENT PROGRAMS ONMY CREDIT REPORT AND THAT I RECEIVE XXXXPAYMENTS AND AM ON XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Fenton & McGarvey Law Firm, P.S.C.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
My wages are being garnished for a debt that has expired statutory limits by a law firm that I have never heard of. Garnishment has never been filed with the XXXX Court as presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 have sent several disputes to each on of the credit bureaus : Transunion, XXXX  & XXXX and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.

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 2021-01-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an issue with my XXXX XXXX XXXX credit card issued by Comenity Bank, customer care phone number XXXX. I spoke to a rep and was transferred to an account XXXX. I then called again later that day and tried to escalate my call to a supervisor. I was told it may not be possible to speak to one. 
I have also spoke to customer care for the vendor, XXXX XXXX. 
On XX/XX/2022, I paid my minimum payment on my credit card. On XX/XX/2022, XXXX was paid bring the balance to {$0.00}. I noticed the error and paid the XXXX on XX/XX/2022. 
On XX/XX/2022, my statement cycled and I was charged an interest fee of {$24.00}. This resulted in a fee only statement. Each time I requested the fee to be waived as a fee only statement and was told it was not a fee and therefore could not be waived. 
I could be wrong, but is this not a violation of the XXXX XXXX or XXXX XXXX policy?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I never received a welcome bonus after I had opened a new HSBC account following the instructions stated on the flyer I received from the bank. Since I set up a qualifying direct deposits last XXXX, the bonus should have deposited by XX/XX/XXXX. I contacted HSBC last XXXX to check the status of the welcome bonus and provided all the information the HSBC agent requested at the time such as my personalized code.

When I contacted HSBC via a chat on Mon, XX/XX/XXXX XXXX -XXXX  GMT, an agent named XXXX has the following comments : " XXXX : As there is a concern already raised for you, I see there is a update from our team that they are unable to locate your application. '' I have an active HSBC checking account, which was opened with a personalized code for the promised welcome bonus. Thus HSBC 's inability to locate my application seems to be delaying tactic. If HSBC can't locate my application, it is HSBC 's fault and the bank should pay the bonus immediately but the bank keeps asking me to check back with them a few days later. I contacted them 3-4 times so far based on their recommendations. HSBC keeps stating that they need a further investigation, although they told me today that they are " not able to locate my application ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: AL
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 sent a letter on XX/XX/XXXX to XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: U.S. BANCORP
State: MA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
We turned our vehicle in on XXXX XXXX, 2016 well before the month end date of XXXX XXXX and yet US BANK says the vehicle was n't " grounded '' until XXXX XXXX. They are trying to charge us for an additional month 's Lease that we did possess the car. 
It should be noted that this situation has been going on since XXXX of 2016 with me calling US BANK each and every time they sent us a statement. They are so incompetent that the representatives had no clue as to what was going on ... they would say we were missing documents and at other times saying we did n't pay the mileage fee ... 

These people were the worst to deal with and each and every person I spoke with said the same thing about US BANK as being a terrible company.

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 2020-03-17
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mother past away in XXXX of 2018. I have inherited the property. I have been living in the property for years. I have recently been struggling to make the monthly payments. I would like to assume the mortgage and possibly refinance the loan. PNC Mortgage refuses to speak with either myself or my sister regarding the mortgage. ( My sister had POA previous to my mother 's passing. ) The loan is currently in the name of my mother 's estate, but no estate was ever opened, no executor named. Still, the bank will not discuss the loan options with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
i aslo do not have any contact with my signiture between me and this company to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
In 2014, I applied for a XXXX credit card to purchase engagement rings. I was under the impression that I was receiving credit through XXXX. I was declined for XXXX and they sent it to Monterey Financial. I was making payments to Monterey Fin until I fell on hard times, lost my job, and my child died last year. The agent was rude and disrespectful. She called me after I made online disputes for my credit report. She told me on last Saturday, " Pawn the rings and get the money. '' The prices went from {$1300.00} to {$1600.00} to pay off the account but my report says I owe {$1100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Monterey Financial Services LLC
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
my payment is due on the XXXX the late payment is XXXX, if I mail my payment in via check the company never receives it by the due date or the XXXX, then they charge me a late fee and I end up paying online so they charge the transaction fee. Any month I send the payment by mail they call on the XXXX saying they have n't received it forcing me to pay the late fee and transaction fee. 
Also now that I review the payments I do n't think the interest they charge me is legal it just seems like im paying triple.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation