BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-10
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have found incorrect addresses and account details on my credit report. I would like to dispute this information and have it deleted

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 2023-01-13
Company: Avant Holding Company, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sent a XXXX XXXX money order for {$850.00} to XXXX XXXX Bank on XXXX XXXX, it was cashed on XX/XX/2022 and I called and recorder the conversation trying to resolve it. They asked me to send documents, after receiving the documents they still refuse to say they received them after they provided me with the wrong email address they had on file and apologized but didn't resolve it he issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: General Motors Financial Company, Inc.
State: SC
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:
GM financial has refused to remove an inquiry that got on their system from identity theft. GM financial is claiming they got permission from the dealership but I never gave the dealership permission to even submit my information to GM financial. GM financial is now refusing to try to work with me to get this removed. I want GM financial to deal with the actual issue that they pulled my credit with no permission from me therefore by law they have to remove it nobody else can do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My daughter and I, XXXX XXXX, signed up for automatic payments for our student loans with Sallie Mae. In doing so, they told me that I would receive a discount of .25 % on my variable interest rate. The discount was never reflected on any of the automatic payments I made. Tried numerous times to get the information requested from Sallie Mae. Was told a supervisor would call me back but no one ever did. The statements I reviewed online still had the original interest rate when the payments were posted. Why would Sallie Mae advertise a .25 % discount when you sign up for automatic payments when they do not honor? Please help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I received a letter from a debt collector XXXX XXXX XXXX stating I owed {$300.00}. I immediately called them to find out why. It was a credit card from Old Navy. I stated I never got a bill and we both looked at the documentation and they were billing a incorrect address. I never once received even the first statement. They had the wrong town of XXXX XXXX CT listed. This address doesnt even exist so all these statements must have been sent back to Old Navy. I asked what the balance was of what I actually purchased and paid it on XX/XX/XXXX on line with the rep. I paid {$130.00}. I asked them to close out the issue as closed but they want all of the rest of the fee amount of {$200.00}. Now this is appearing on all 3 credit reports. I feel that this is irresponsible when even they agree that Old Navy never got the address right or even tried to fix it when XXXX XXXX  seemed to have no problem at all getting my address correct. This is unfair billing practice. Please close this issue out and remove it from the 3 credit reports. I have attached a letter that portfolio recovery sent to me from they got from synchrony bank old navy credit card company with the invalid address.

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 2023-11-11
Company: Continental Finance Company, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I will describe my complaint in short but accurate detail. See attachment for full details. 
The Original creditor, Continental Finance sent me XXXX emails stating that the account was charged off and sold to : Email dated XXXX XXXX ( XXXX. ) XXXX XXXX XXXX XXXX XXXX Email dated XX/XX/2017 ( XXXX. ) XXXX XXXX, XXXX. Both emails states that I should refer any future questions I have regarding the account to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. That is misleading, and deceptive practice. Violation of the ( FDCPA ). 
Continental Finance continue to report onto my credit report making it seems that I owe them. This reporting has been going on for XXXX years. This reporting is a detriment to my credit and character. 

Also. XXXX furnished my private and personal information to two debt collectors without my permission. Violation of the ( FCA ). See attachments for full details.

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 2023-09-05
Company: EQUIFAX, INC.
State: PA
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:
I XXXX XXXX have Fraudulent accounts and unauthorized Inquiries appearing on my credit report. I have attached an FTC Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
To whom it may concern I am writing in response to the correspondence received from a representative of US Bank as it relates to the miss-use of my 2nd stimulus check. The representative indicated that US Bank does have possession of that check and did deposit those funds Into an account that has been closed in excess of four months. That account had been closed for the same reason that my first business account with US bank was closed, due to hacking and theft. As of XX/XX/XXXX fraudulent checks were still being presented according to their fraud liaison. 

My concerns are as follows : 1. It is a business account that a personal check to me was deposited into that I myself, as a consumer can not deposit into my own account. My children and I are XXXX XXXX XXXX XXXXXXXX and still XXXX, XXXX, and my children live in constant XXXX  of their lives. I cant move cause of this. 

2. I spoke With representatives of US Bank in the month of XXXX as well as XXXX to confirm they had not received my second stimulus nor the third check. Each of those times they indicated that because the account was closed that it would be automatically returned back to the IRS. 

3. It was the IRS themselves Who indicated that XXXX XXXX  did have possession of the check as of the end of XXXX in an account with my Social Security number attached to it. It was not until I reached out to the XXXX XXXX XXXX that the bank indicated that they had received it. They then indicated that it had been electronically transferred to US Bank. Upon Which I contacted US Bank and they confirmed they opened this closed account and deposited the {$2400.00} XXXX XXXX XXXX after the previous 4 months being told no that it would reject it and return to the IRS. IF THEY HAD NOT STATED THAT I WOULD OF NEVER COME TO KNOW OF XXXX XXXX  months later. So this statement in this letter is another lie. The ledger clearly say Tax related. So they he couldnt tell where it came from? 

4. I then initiated a trace on the second stimilus check with the assistance of Senator XXXX XXXX and the office of Rep. XXXX XXXX. In my next communications with a representative of US Bank we were told that the check was no longer in that account. They were asked at least twice on that day to verify that what they were saying was true. 

5. I would like to add that I did forward my current banking information to XXXX XXXX  early on with a plea to transfer it to the correct account given the situation with no response. 

It is my hope that a speedy resolution can be devised. 


Cordially, Mr. 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 2023-01-13
Company: EQUIFAX, INC.
State: CA
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 did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.

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 2020-01-28
Company: Experian Information Solutions Inc.
State: AR
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 kept receiving calls from a company stating that I needed to make a payment on an auto loan. I told them various times I didn't have a vehicle financed. I then decided I need to figure out what was going on. I pulled my credit report and I found a numerous of accounts open under my name that I have never opened before. Please remove these accounts off my report. 

XXXX XXXX XXXX {$1900.00} XXXX XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00} CHAPTER XXXX-BANKRUPTCY XXXX {$0.00}

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 2023-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
hello, good afternoon. I hope you are well.. I am writing to you because I just applied for a credit card with capital one and they rejected it because it says that my current credit score that you sent is XXXX as of XX/XX/2023 It seems unfair to me because my current credit score is XXXX in XXXX and XXXX in XXXX, due to the report that you made and sent incorrectly, my credit score was denied. Here I have the letter that the bank sent me saying that You sent a credit score that is not mine... I hope you can solve it because this query lowered my credit score and the card was rejected... I will be attentive.. thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX
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:
On XX/XX/XXXX of XXXX a payment of {$220000.00} was made to an account balance where the total monthly payment was only {$1800.00}. The total paid was applied to loans XXXX out of XXXX and was also supposed to go towards the monthly payment. The representative on the phone spoke to us and said that everything was paid and we would not have to worry about the monthly payment that month because this {$220000.00} was also being applied to the monthly payment of {$1800.00} as well. Fast forward to XXXX XX/XX/XXXX we make a payment of {$1700.00} that is due on XXXX XX/XX/XXXX which does not show up on the account until XXXX XX/XX/XXXX because of the weekend and we get a late payment notice and call HHloans back only for them to say that it should not be applied as late because of the payment that was made of {$220000.00} AND the payment of {$1700.00} that was made on time but their system processed it as late. A few days later it ends up on my credit report for legitimately XXXX minutes as being delinquent and then appearing as paid. There is absolutely no way that something like that gets resolved that quickly and it is an absolute error on HHloans part. We reached out to XXXX for a dispute and they contacted them only for HHloans to say the information was accurate that we missed a payment. This is horrible business and is limiting my ability to purchase a home because of the error of an HHLoans employee or system failure. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am a card holder with Victoria Secret, Comenity bank. In XXXX of 2020 I received my first statement and made my payment a few days late due to a mistake on my end. The full balance was paid of {$24.00}. I contacted customer service and was told this XXXX late fee would be waived. Fast forward to XX/XX/ 2020, I was hours late of paying my full statement balance of {$39.00}. Their cut off is XXXX XX/XX/XXXX with absolutely no grace period for payments. My balance was paid in full, yet the next day, my due date is the XXXX, I viewed my statement on the XXXX. I was charged a {$31.00} late fee on a {$39.00} balance. I contacted customer service today to request the fee be waived. I was met with complete disrespect of the supervisor who advised there was absolutely nothing she could do to waive this fee. When I questioned what exactly her bank was doing to help people during this trying time, she mentioned they are working with consumers with large balances to reduce their minimum payments and interest. Yet a consumer who pays their balance in full, with no financial hardship is unable to be assisted with fees. When I suggested that their bank consider sending email, texts, or calls to help remind consumers of their due date she mentioned this would be a waste of resources and we are all adults here. I believe this policy is doing harm to many, not just including myself. This bank has decided to put fees before assisting their customers, allowing absolutely no grace period or assistance for the consumer. Can a bank have a cut off TIME for payments? Especially in such a difficult time for so many.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am a new resident to XXXX XXXX and they require a copy of my original sale agreement/note/sales contract in order to register my car. On XX/XX/XXXX I called 5/3 Bank ( XXXX ) XXXX on XX/XX/XXXX and requested a copy of my sales agreement and was told it would be emailed 2 business days later and it was not. I then called again on XX/XX/XXXX and expressed the sense of urgency as it is causing me a financial hardship and I was told it would be faxed to me within 2 business days and emailed again within 2 business day, except they would request the fax on a rush. This did not happen. Again I called on XX/XX/XXXX and was told there was nothing they could do and that they would send it to their research department which would take another 2-3 BUSINESS days. The supervisor XXXX refused to escalate the matter and this is why I'm writing this complaint. This has caused me extreme duress and financial hardship as I can not register my car in DC and the VA tags have expired. This means I can XXXXot drive anywhere and I have to XXXX which is cost me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2023-11-12
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, On XX/XX/23 I received a call from Wells Fargo Customer Service number XXXX ( XXXX ) XXXX and they went through some attempted fraudulent charges on my account. I told them all of these charges were fraudulent and I wanted to proceed with pressing criminal charges. I told them I didnt want a new card at this time and I would updated my password and PIN. 

While I was on the phone with the Wells Fargo, I received notification emails that my current card had been added to XXXX play on a XXXX device ( not authorized by me ), then an email that I had requested a new card ( also not authorized by me ). I also noticed {$390.00} had been transferred from my savings account to my checking account ( also not authorized by me ). 

I called Wells Fargo back and told them all of the above information, we went through recent charges and I told them the {$100.00} and {$400.00} atm withdraws from XXXX were fraudulent and submitted a claim. I was told it can take up to 10 days to resolve the claim.

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 2023-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela is illegally trying to force borrowers to recertify before they are required to even though it says on the Student Aid. Gov website that borrowers did not have to recertify during to the pandemic or for 6 months after. 

Because of Mohelas illegal behavior, I am now in forbearance waiting to be placed back on the IDR plan I was on before the COVID pause. My loans have accumulated interest that they should not have because of this. 

I have already filed one complaint and I am still waiting to for Mohela to correct their mistake. 

I believe Mohela is committing a crime by intentionally giving out misinformation that is easily verifiable.

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