BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-07
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
My balance increased by XXXX $ And didn't close my account

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 2023-12-18
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to log in to make a payment on my XXXX credit card issued by Comenity/Bread Financial on XX/XX/2023. The site was down and I was forced to call Comenity directly because the payment was due on XX/XX/XXXX. The agent I spoke with took my banking details and I asked that she apply a {$150.00} payment to the account. 

On XX/XX/2023, I noticed that the payment had not been debited so I call back and was initially told that the payment was returned by my bank. I explained that was not true as I was looking at the account online and there were no returned checks/ACH payments. After speaking with 5 people for over 1 hour and 45 minutes, Comenity 's support agent explained that the payment had not been returned, rather the account information provided was wrong. I explained that was not possible as I read the information directly from my bank account page. They listened to the call from the previous week and finally acknowledged that the agent from the prior week had entered the information incorrectly. Unfortunately, Comenity had already reported the delinquency to the credit agencies. 

The last agent provided me with a letter stating that the account was in fact up to date and not delinquent. However, the ripple effect of their error has caused major impact to my credit score ( dropping by XXXX points ), which then caused the Comenity to lower the credit limit on the XXXX credit card by 35 % ( from {$2000.00} to {$1300.00} ) and lowered the credit limit on my other Comenity issued card for Ulta Beauty by 25 % ( from {$1300.00} to {$1000.00} ), which has further impacted my credit score. 

I have filed disputes with the 3 major credit bureaus, and I have used the letter provided to me by Comenity, acknowledging the error, to request that my credit limits be restored to the same limit provided prior to the Comenity error.

My issue is the efforts/urgency of Comenity to correct this. All of this was set in motion by Comenity down website and the error in transcribing the banking information, yet, other than their providing me a letter stating the account is not delinquent, there has been zero urgency to correct/restore the credit.

I am reporting as I saw during my search for a direct contact in Bread Fianacial/Comenity, that this company has already been sued once for applying late fees when customers were unable to log into the site to pay their bills and was penalized with a hefty fine. There seems to be no change in their practices. They need to be help accountable for their errors and possibly further penalized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-13
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX there are 5 items that must be removed because they are false. 

1. {$160.00} : XXXX XXXX : It says it is from XXXX. I have a prepaid phone; meaning I pay in advance then get my service. I have no idea when and where this showed up 2. {$170.00} : Caine & Weiner Progressive. I do not owe any money to XXXX. I waited to policy completed and I renewed with XXXX. 

3. {$1500.00} : XXXX  : some emergency room fake charge. Listed three times with different dates exact amounts. FAKE. I have insurance 4 {$1500.00} 5 {$1500.00} Kindly remove all 5 charges listed on my XXXX report because they are false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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've been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2022-01-10
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint that the credit bureaus have ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they are publishing for me. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Their response to my inaccuracies on my credit report have not been investigated only ignored by sending a copy of my credit report with no investigation results or updates. i am having issues updating wrong address and sadly something simple as wrong names of individuals on my report that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on XXXX XX/XX/2023 I received a notice from XXXX XXXX XXXX that I have a delinquent debt originating from Department XXXX XXXX for {$43000.00} and I have no idea why. I contacted XXXX who could provide no information on this debt, only a guess it might be XXXX XXXX. I contacted XXXX XXXX XX/XX/2023 who conformed they have no record of this debt. They forwarded me to XXXX XXXX billing that also stated I have no known debt. At XXXX XXXX XX/XX/2023 I ran my XXXX  through The XXXX XXXX XXXX XXXX web site again no debt. this is very frustrating and scary XXXX  correspondence gives no recourse only pay or suffer a list of posable consequences. I'm not sure who to turn to for help. I guess base legal, file a complaint through the XXXX XXXX XXXX XXXX, and a XXXX XXXX. Again, I received no notice to correct whatever this is it went straight to a credit company for collection very scary please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the accuracy of certain accounts currently listed on my credit report. After a thorough review, it has become apparent that there is insufficient information to verify the debts associated with the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, and DEPT OF ED/XXXX  XXXX. I dispute the completeness and accuracy of the information provided for these accounts. The lack of sufficient details to validate these debts necessitates their removal from my credit report. I request that you conduct a thorough investigation into these matters and, if unable to provide verifiable proof of these debts, remove them from my credit file immediately. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).

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 2024-01-05
Company: Freedom Mortgage Company
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
What happened is I signed a sellers agree And I was told that things were working that werent and that I only have to pay {$1400.00} per year or {$120.00} per month. Then after I signed the contract the HOA started charging me other fees. I can not afford this. I didnt agree to this and no one is willing to help 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 2023-08-13
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went into Wells Fargo XXXX XXXX to make a deposit on XXXX XXXX XXXX XXXX XXXX. I deposit two checks totaling {$120.00}. The teller accepted my two checks and asked me to confirm deposit on pin pad outside his window. I noticed the amount was correct and was getting ready to confirm and told him I wanted email receipt and he said wait a minute. He then touched his computer screen and said its ok now. I then touched the pad to confirm. After I got home I checked my email because it was unusual for them to say wait a minute and touch their screen. As a result I noticed my deposit reflected {$100.00} and said less {$20.00} cash. I immediately contact the XXXX number and filed a complaint. I asked them to review the footage and they will see the transaction on camera and noticed there was no cash back given to me. The bank sent me a letter that they had completed their review and did not give me back my {$20.00}. I contacted the XXXX office in XXXX XXXX and asked them to review the footage to confirm. I also contacted the branch XXXX XXXX XXXX and he was unprofessional and said no multi XXXX XXXX XXXX would review footage for {$20.00}. He was not concerned if his employee was stealing money from customers. i am a XXXX XXXX XXXX XXXX and I need my money. look at the camera is all that is needed to confirm this request. the bank only verify a tellers draw at the end of the day and see no overage and say there was no problem. If the teller put the money in his pocket obviously thee will be no overage in his draw. look at the camera the transaction was made at XXXX XXXX on the XXXX of XXXX at the Wells Fargo XXXX on 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 monetary relief
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-15
Company: EQUIFAX, INC.
State: FL
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, the list of credit reporting agencies and creditors have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602A states I HAVE THE RIGHT TO PRIVACY.

15 usc section 604A section 2, states A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN CONCENT OR INSTRUCTIONS.

PREVIOUS REQUEST TO CEASE AND DESIST THIS VIOLATION HAS BEEN IGNORED BY REPORTING AGENCIES, A CLEAR DISREGARD FOR THE LAW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 I filed a claim towards Bank of America for fraudulent activity. Its been over a week and they have yet to give me back the funds that were stolen from my account or even offer a temporary credit. I have informed them that this activity has caused me to be left stranded in California and I originally live in Florida but for some reason they act like they do not care. Every time I call I get a different response as to how they are going to handle the situation. At this point I have no idea what to do or why I even pay a monthly maintenance fee if they can not even protect my information or at least help with a temporary credit. I was also told by a supervisor that we can not protect against fraud which left me speechless.

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 2023-12-18
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I started with Nelnet in XXXX after being transferred from Great Lakes, got a welcome letter and promptly setup my account, added my current primary bank account ( which was different then what i had with Great Lakes ) and setup auto pay. For the first two months things were fine. Then suddenly on month 3 my bank account reverted to my old one. I get a notice from my old bank that I had overdrafted my account. I also made my payment early from auto pay as well so I was double charged as well. I corrected the overdraft then investigated my account at Nelnet and found my account changed without my consent to my old one. I never provided Nelnet my old bank account info and when I initially signed up it was not present on my account. I tried to reach their customer service line to be met with a 2 hour wait time, I waited the 2 hours to be hung up on without speaking to anyone. I tried emailing them requesting what happened to be met with an email that states they wouldn't respond to my email. 

For the federal government to move all our federal accounts to nelnet while nelnet has improper staffing to field questions from people who are required to pay back these loans is gross negligence. I am afraid to make any changes because of how difficult it is to even get ahold of anyone at my loan service provider for my federal student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Convergent Outsourcing Inc. regarding a 'debt ' they state I owed from XXXX XXXX XXXX of which they recently acquired. The creditor listed on their letter is XXXX XXXX, XXXX. This is a debt I have been habitually harassed regarding every 1-2 years, creditors sell from one group to the next and each time they contact me and all my family members for a debt I do not owe. Previously I contacted CFPB ( Claim # XXXX ) regarding this debt issue and both credit agencies were contacted and both parties said they are not at fault/can not assist and eventually the latest company quit calling once they realized they can not pursue this so called debt. Once again I am being harassed for this claim and when the creditors exchanges debts I will receive more calls and letters. As this 'debt ' originated from XXXX XXXX XXXX XXXX have asked they be involved and resolve the matter as this is a mess of their creation. 

The letter provides an Convergent account # XXXX. Please assist as this is pass the statue of limitations ( XXXX year old so called debt ) and is not my debt. 

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 explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Names are inaccurate All those other spellings are inaccurate. XXXX  AND EXPERIAN WOULDNT RELEASE MY FREE REPORT YET THEY POST ON XXXX XXXX  AND OTHER CREDIT INQUIRIES THESE ITEMS I have inaccurate information on my credit report and it is preventing me from obtaining a house and better business credit. I have not done business with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses need to be removed people are using my name only my current address I want listed I will submit information to all 3 bureaus XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, O-XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, O 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 explanation
Consumer complaint received 2023-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
reportting account that are not my accoutns, reporting Inquries that are not my inquried and alod report latepayments on my crefit report causing my credit to refect a negative report, it also has cause hardship i am unble to use my credit due to Identity theif i can not get approve to get a home its reflecting negative where i am unable to get employment i contacted each account that i disputed and after the credit bruals do they investagation they senda letter stated all accounts are verified which is inccorect i'm demanding that account listed be removed.

Company response to consumer: Closed with explanation