BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2016-03-12
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have a XXXX Bank XXXX XXXX credit card. I received a direct mail flyer over a year ago inviting me to apply for a XXXX Bank XXXX American Express credit card with a {$49.00} annual fee. In the flyer, it said that I would receive a {$49.00} " relationship bonus '' to offset the annual fee if I had any other qualifying XXXX Bank products, including another XXXX Bank credit card. So I signed up. After I was charged the annual fee XXXX, I called to inquire about the relationship bonus and was told that other XXXX Bank credit cards were not eligible for this bonus - only checking accounts and other products. In XXXX, I received the same flyer inviting me to apply for the XXXX Bank XXXX American Express card ( their system must not have excluded me ) and it clearly states that a qualifying XXXX Bank product for the {$49.00} relationship bonus may include a " XXXX Bank-issued credit card. '' I called again today and was told that the card member agreement says that other XXXX Bank credit cards are not eligible for the bonus. This is a problem - their card member agreement does not match their marketing. I would not have signed up for this card if I thought I would be charged an annual fee.

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 2022-10-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, I took a balance transfer offer on my Bank of America Master Card and did a balance transfer for {$12000.00}, by paying the balance transfer offer fee that came to {$360.00}. I set up auto-pay to pay the monthly due. 

In early XXXX the Covid Epidemic hit the world. I am an XX/XX/XXXXworking for the beauty industry and lost my income due to social distancing rules as all Salons were ordered to close. Our only source of income was left to my XXXX-year-old husband who was bedridden last year with XX/XX/XXXX XXXX XXXX, XXXX, XXXX, and a XX/XX/XXXX Since his condition kept on going down, I was extremely busy with taking care of him and taking him to the hospital almost every day for infusions besides frequent trips to the ER as he was vomiting blood. Despite going through the above torture, my husband took care of his clients from the ER as well as from home so that we do not end up on the road with no income. 

Being so involved with managing the household, and my sick husband, I totally forgot about the balance transfer offer as all was set on autopay. 

Come XXXX my husband 's condition got better and I started catching up on the accounting. Upon checking the Bank of America Mastercard statements, I was shocked to see that starting from XXXX of XXXX I was being slapped almost {$200.00} interest every month on a {$10.00} grand balance. I called up Bank of America and explained to them the situation and made them aware that I never received any communication from the Credit Card department that my balance transfer offer expired in XXXX of XXXX and I need to pay it off. I tried to work with the Bank of America rep to reduce the interest since I have excellent credit but they told me flatly that we will not reduce even a penny. 

I strongly believe that I have been duped by Bank of America and taken for a ride as it should be their responsibility to let the consumer know 30 days prior to the offer expires to make arrangements to pay the balance off so that they are not charged 20 % interest in the name of Cash Advance. When I had already paid an upfront fee of {$360.00} that should have covered the Cash advance feature. Moreover, laws should be made that on every statement the date the balance transfer offer ends need to be mentioned, a text or email needs to be generated 30 days prior to the expiration of the offer making the consumer aware. 

The Bank of America rep had no compassion whatsoever and made no genuine effort to resolve this in any way. When I asked for a supervisor, I was told that the supervisor is not going to help me in any way, at this point, I gave up as it was no use wasting my time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: OR
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:
My Experian online account has been hacked. The recovery email attached to my account is NOT my email address and I can not get into my account to lock my credit. Nor can I change the password as the recovery email address is NOT mine. I have attempted to contact Experian on multiple occasions, spending hours on the phone trying to get to a live representative to correct and report this issue. All the phone numbers I have been give are automated and have no choices to resolve my issue. I just want to talk to a person to find out what is happening and how to get it fixed so I am not vulnerable to fraud. I received an address to send paper documents but the documents they want have all my very personal information and I do not feel comfortable or confident that this company can protect my private information when they can't protect an online account or have customer service available to resolve other issues. 
I need to get this account secure again and Experian has offered me no viable or safe options to do so. Experian released my credit information to an unknown source not requested by me because of this issue. I was able to lock and be protected by the other 2 credit reporting 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
under section 1666 of title 15 may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
These late payments are a violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) of the Fair Credit Reporting Act. These late payments are " Billing Errors '' pursuant to 15 U.S. Code 1666b of the Fair Credit Billing Act. These late payments are a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act. These late payments are a violation of 15 U.S. Code 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act.

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 2022-10-28
Company: EQUIFAX, INC.
State: CT
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:
XXXX and Equifax drops credit score every other month by XXXX points for no reason. A CREDITOR IS REMOVED AND THEY STILL BOTH DROP MY CREDIT SCORE BY XXXX POINTS EVERY OTHER MONTH WITH NO INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: Risecredit, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do owe a debt and am paying it down, however, " until the debt is paid, collection attempts must continue '' is what I 'm told. It 's Sunday morning, XXXX XXXX and XXXX CDT. They have called 5X this morning already, on a Sunday, staring with the first call being a XXXX sharp.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Capital Accounts, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a company attempting to collect a debt they say was assigned to them. The company is not licensed to collect in my state. I never signed any documents allowing assignment of debt. I never signed any documents acknowledging right for them to charge interest on the debt. They failed to provide validation of debt, including license to act as collector, charge interest, or proof of assignment of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have disputed a bankruptcy with Experian multiple times and they are not investigating properly. They keep closing my dispute saying the information has been verified with XXXX XXXX and they confirmed its accurate. I reached out to XXXX XXXX and they state they have not received any request from Experian to verify my information and they confirmed I do not have the bankruptcy on my file. I sent the letter to Experian from XXXX XXXX and they still are not investigating.

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 2016-01-16
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX XXXX account in XXXX, XXXX that I closed because I was moving out of state ( to XXXX ). I took all of the equipment less than a week prior to me moving, to the local branch that I normally dealt with and paid them in full so it would be XXXX less thing for me to worry about, this was XXXX 2012. I never once received any correspondence indicating there was an issue until XX/XX/XXXX when it mysteriously showed up on my credit report as not being paid. I contacted them directly and they investigated and wanted me to fax them a receipt, however I told them I did n't have it anymore since it had been over 2 1/2 years and if there had been any problems with it, I should have been notified long before 2 1/2 years and it also should not have been put on my credit report without notifying me first. The XXXX representatives I discussed it with agreed with me, however they said there was nothing further that could be done beside talk to their collections department. I spoke to them and all they wanted to do was discuss payment arrangements which I explained I was not interested in because the bill had already been paid once and I had no interest nor was it fair for me to have to pay it twice. I also filed several disputes with XXXX because XXXX kept reporting it as an active debt, however XXXX currently shows it as a closed account. I explained this to XXXX in my dispute that if XXXX has it closed that they should be reporting the same. In fact, XXXX removed it but then added it back which I did n't understand, but they continue to say after each dispute I make ( I 've made at least XXXX ), that the debt is valid, however it is not and it is hurting my credit and I need it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-03
Company: Priority Financial Services
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was strung out for over 6 months attempting to refinance my home. They had me wait to make payments on my mortgage- but month after month, they could n't do it. I incurred late fees, which they said they would refund, as well as a {$500.00} appraisal that was never needed as they were never going to be able to close the loan anyhow. They gave me false hope and treated me poorly as a consumer to such a important matter. I wrote to them telling them what I 'm asking for and they turned me down. Poor business pratices

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Over the phone purchase was made XX/XX/2016 frrom saks XXXX..Did not receive purchase From.Saks. XXXX claims they have signature of mind ITS not possible .File claim with XXXX they said shipper must file all claims.because of the agreement with saks..Saks never file claim I would like your help to dispute this claim. Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan is with Colorado Housing and Financial Authority. I was approved for a loan modification XX/XX/XXXX and although I had late payment my loan was brought current XX/XX/XXXX. I made my XX/XX/XXXX on time. I filed Chapter XXXX bankruptcy XX/XX/XXXX and although it is my understanding my attorney did not file a reaffirmation, the modification was completed after the discharge of the bankruptcy. I have continued to make payment on my XXXX mortgage, however, despite repeated attempts to get an accounting of my payments I am told due to my bankruptcy they can not send any documentation. 
I received a Notice of Breach on XX/XX/XXXX even though the post mark was 10 days later. I paid the amount of the breach before the deadline and also made my XX/XX/XXXX payment before the delinquent date, as well as applying " unapplied balance to my escrow account. 

My escrow account : I changed my homeowner 's insurance XX/XX/XXXX to save approximately {$700.00} per year. I requested my insurance agent send the invoice to CHAFA to pay. CHAFA paid ( overpaid ) the old insurance company for which it took me almost 7 weeks to locate ( I had been with them since I purchased my home in XXXX. I advised CHAFA of the change and was told I would be responsible to pay the new insurer ( Farmer 's ) and have to obtain a refund from the old insurance company. I received a notice from XXXX which was not the agreed upon cost of the policy and XXXX adjusted my account and I paid the premium to XXXX. In the meantime, CHAFA paid XXXX, again, for the inflated premium and NOT the correct amount. 
CHAFA refused to provide me any documentation as to the status of my loan and today I received a letter that they are continuing with acceleration and foreclosure despite my loan is current, as is my XXXX loan. The letter dated XX/XX/XXXX ( the day I made my XX/XX/XXXX payment ) is postmarked XX/XX/XXXX which is the usual mailing delay with any communication I receive. When contacting CHAFA I am transferred all around from customer service, to collections, to the bankruptcy department and all say the other is responsible for lifting the block for online access or correspondence. In fact, when I call and am given instructions regarding payment, when I actually call back to complete the directions ... they have changed ... In fact, my payment amount has increased 4 times in the past 4 months and I have yet to receive any documentation explaining WHY ... WHEN ... HOW LONG?? So I am making payments NOT the {$1700.00} in the loan modification from XX/XX/XXXX BUT {$2000.00}??!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Below is the original letter that was sent : XXXX XXXX, XXXX Dear Navient Claims Department, My name is XXXX and I am writing a letter concerning my Account. Enclosed is information concerning Loan XXXX ( XXXX, {$5500.00} ) on my account. After a phone conversation with Navient on XXXX XXXX, XXXX, a research request was sent in to determine fees that I was overcharged during the duration of my loan. On XXXX XXXX, XXXX a response to that request was given and I was asked to prove in school deferment during the period of XXXX. Enclosed is enrollment verification from XXXX institutions proving half-time enrollment during the specified semesters. Please contact me regarding this matter. 
Sincerely,

Company response to consumer: Closed with explanation