BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: PA
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:
Hello, XXXX XXXX  are reporting misleading information on my credit report that should've been removed last year. These two late payments are well over 2+ years old and it's significantly impacting my credit report. My credit worthiness has taken a big dip because of XXXX XXXX  reporting late payments that shouldn't be reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I ordered a dress from Saks Fifth Avenue on XX/XX/XXXX in Order # XXXX. The dress never arrived, and the XXXX tracking showed that it was returned to sender, Saks Fifth Avenue. However, as of today, XX/XX/XXXX, I have not received a refund. I've called XXXX twice to address this issue, but no refund is forthcoming, despite the fact that XXXX has access to the same. XXXX tracking information showing that the dress was ( a ) never delivered to me and ( b ) returned to XXXX. ( Link to tracking info : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Today, I spoke with an employee named " XXXX, '' whose employee number is XXXX. She refused to issue me a refund and refused to connect me with a manager. 

XXXX has been holding my money for over a month without delivering any product, knowing that the product was not even going to be delivered as XXXX had returned the item to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX two checks were stolen from a company called XXXX XXXX XXXX and cashed under my mothers name at a Wells Fargo bank. These checks were fraudulent and my mother did not cash them. The company filed for fraud and their claim was settled on XX/XX/XXXX. To settle this claim the took the money from a teen acount that had my mothers name on them even though she is not the one who cashed them. This caused these accounts to be overdrawn by {$600.00}. The bank did not notify me that they were taking this money or investigating my accounts. We called them and started an investigation on XX/XX/XXXX. They said that an investigator would call within one to two buisness. However, they did not call and instead re-investigated the orginal claim. We attempted to start the investgation again and was told that they would call within one to two buisness days. However, once again they have n't called. We have coppies of the checks which were hand written. They do not have check numbers, the addresses are different on both of them, the signature does not match my mothers, and the memo on one says weekly wage while the other says employee wages. These checks were also made out within two days of eachother and cashed on the same day of XX/XX/XXXX. One check was written out to the amount of {$270.00} and the other was written out to the amount of {$400.00}.

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 monetary relief
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
There is a tax lien that was paid and canceled with the state of XXXX in 2013. I have the letters from XXXX County XXXX Department of Revenue stating that the lien was canceled. I contacted the credit reporting companies and only one would remove the canceled lien. This lien is keeping my wife and I form buying a house and I have tried everything to get us here.

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 2018-01-03
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do n't have much information on this account, i just saw it pop up on my credit report. This debt is not mine. I do n't owe anything.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: CL Holdings LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company I'm dealing with is XXXX XXXX XXXX. They call multiple times a day harassing me about a debt I believe I'm not responsible for. It is a XXXX phone bill. The debt is now over 6 years old I've been called by them hundreds of times over the years and they keep re aging the debt on my credit report it is currently saying debt is only 1 year 3months. I've disputed this as fraud multiple times but no one on there end cares. XXXX XXXX XXXX is crossing the line with harassment tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: EQUIFAX, INC.
State: NY
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:
1. XXXX XXXX XXXX  is reporting to XXXX XXXX and the three major credit bureaus such a XXXX Equifax and XXXX that my closed first premier card as open with a XXXX credit limit. This is inaccurate and fraudulent. I don't have this card and it paid in full with O balance. 
2. XXXX XXXX is reporting the first premier card muliple/duplicates of the card must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Fleet Financial Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2021, I applied for an auto refinance with XXXX XXXX. After providing my information, I was provided quotes from various lenders. I chose to work with iLending because they provided the lowest rate of all lenders ( 3.60 % APR ). I got a call from XXXX XXXX, and as we started talking about my goal for refinancing, I was told that because of my credit score range, the rate I would get was around ~ XXXX, which is higher than the rate advertised on XXXX XXXX. I proceed to tell XXXX XXXX that advertisement of rates that arent available its a deceptive practice and a UDAAP violation. XXXX XXXX then said that none of the quotes provided by XXXX XXXX  is accurate and that iLending does not have a marketing agreement with XXXX XXXX, despite XXXX XXXX clearly doing advertising work on iLendings behalf. Upon closely examining the disclosures provided on XXXX XXXX site, the following stood out : - XXXX XXXX site states you are approved, and proceeds to provide the terms of the loan approval. A reasonable consumer will have the net impression that the terms provided is for the actual loan approval, not just a quote. Yet, upon contacting the lender, the consumer is told that information on XXXX XXXX is not accurate and a different, higher rate is quoted- Under Lender Notes, XXXX XXXX site states the interest rate quoted may be dependent on the model and year of your vehicle. If you did not enter a model year, or if you finance a different vehicle, then your interest rate may change. It clearly does not state that the rate could change because of the credit score, given that XXXX XXXX already obtained the score and shared that information with iLending. Given that XXXX ) iLending knew what my credit score was XXXX ) The vehicle year and model did not change after the application, its hard to believe that XXXX could not provide an accurate quote and prevent consumers to be misled about pricing of their loans XXXX XXXX stated that the call was recorded and therefore the information provided here can be verified by listening to the phone records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: ENCORE CAPITAL GROUP INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company fraudulantly posted a collections account on all three of my credit reports. I do not who this company is, and, did not give them ANY permission, nor did they aquire my signature to post information on my credit report. Under The Fair Credit Debt Pactices Act, and, The Fair Credit Reporting Act. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One Bank in the month of XX/XX/2019 shows ( ND ) as not reported to XXXX  and needs to be updated as XXXX payment. XXXX goes months with no updated information to payment history. Last time it was 3 straight months no payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to dispute a wrong address with experian online. When I pick identity theft for the reason of a wrong address they give " That reason can't be processed online. Please contact us by phone for assistance at XXXX '' This number goes to a recording with NO help and ends up terminating the call. There is no menu choice to deal with identity theft.

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 2022-02-06
Company: Carvana Group, LLC
State: TX
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:
Purchase the XXXX XXXX from Carvana in XX/XX/XXXX as of XX/XX/XXXX of XXXX today the vehicle that Carvana /XXXX  repossessed I still have yet to receive registration for the vehicle the vehicle just have been sitting in my driveway since XXXX from the time I purchased it with no plates allowing me to drive the vehicle in XX/XX/XXXX when the vehicle was repossessed no one has been in communications with me about anything Carvana XXXX XXXX XXXX they repossess the vehicle and now making me liable for {$25000.00} for a vehicle that I never was able to drive due to their lack of properly filing paperwork and properly communicating with me the buyer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
RE: Citibank Credit Cards;I had my account on auto-pay when something caused the payment to not go through (XX/XX/XXXX  payment was rejected); I was NOT notified via phone of the issue, as I had previously asked. I opted out of auto dialer several times as I do not answer solicitation calls and they do not leave proper messages. I had asked them to call only with a live person if there was an issue with my account. When I called in they told be they used the auto dialer, of which I never received a message from CitibankThey reported me 30 days late to the credit agency without proper notification of being late. I had even logged on to check the account (since they did this one other time) and there was no notification that the payment was late or that the payment has been rejected. I have pictures of the screen to prove it.  This is deceptive practices and I feel I have not been protected as a consumer. I feel they are intentionally not making it apparent that the payment is late to get paid fees and penalties. They intentionally made it difficult see the payment was returned! I checked the website after the payment was supposed to go in XX/XX/XXXX  and again inXX/XX/XXXXand the system gave no indication the payment had not posted. I only noticed because I had not used the card and the balance increased from fees. I was 55 days behind with no knowledge. I have perfect credit other than this creditor, including holding many other cards that have never had this issue.The shady part was the transaction and activity section did not show any returned payments or a fees until AFTER I closed the account and paid it off.  This is a BIG issue for consumers and I feel they need to be investigated for this.

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 2021-11-27
Company: U.S. BANCORP
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, US Bank received my completed paperwork for a Loan Modification - Partial Claim Option. On or about XX/XX/XXXX, I received a packet from US Bank with new copies of the identical documents stating that there was a problem with the original documents that I submitted. I called the lender to inquire about the problem. I was told that my signature was illegible and needed to be signed in legible cursive. I told the representative that my legal signature is on all documents submitted and that the notarized signature that is on the document is proof of such. I also asked the bank to compare my signature from the original loan to confirm its authenticity. 
I was told that they still need my signature to be in cursive and legible and that if it isn't that they will refuse to process my Loan Modification paperwork and the entire amount would become immediately due and reported to a credit agency. I also submitted my complaint via email to US Bank on XX/XX/XXXX. I received an email on XX/XX/XXXX acknowledging receipt of my email, however I have not received anything else regarding my XX/XX/XXXX email. 
US Bank has no legal right to demand that I change my signature just to make them happy. I received the bill for the full amount due in question in the mail today.

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 2017-07-26
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/XXXX, and XX/XX/XXXX I have requested for my loans with Navient XXXX to be placed in the Income Based Repayment Program on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via facsimile and phone and the account still has not been placed in the program. I have now contacted them today spoke with the rep in the federal department known as XXXX and she said she is checking the account status. During this process they repeatedly asked for information regarding my employment. Because I am XXXX the only verifiable income information I have is my tax returns. This information was sent multiple times over. XXXX XXXX had no problem fixing this problem. The rep told me that they received the report but it was never processed on their end. The rep was in XXXX and told me she would send it back for review. In the meantime, I have to wait and see if this gets done by them. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: OPORTUN FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Oportun Card offered a pre qualify link to check to see if I was approved for their card. They state on their website this will not be a hard pull and will not have an impact on an applicants credit. They pulled XXXX bureaus that night and ended up issuing a card with a massive annual fee and low limit, even though I had not actually applied for the card. 

They should have never pulled my credit, based on their own website verbage, and should have never issued me a card without my applying for it. I want the card cancelled and the XXXX inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
So I had this debt removed off my XXXX and XXXX report they couldnt verify the debit but they will not remove it from my XXXX account and its charged off they keep calling threatening to take me to court if I dont pay

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/XXXX, I called Equifax to remove inquiries that I did not authorize. I ask to speak with a US Representative. I was connected to a US.representative and as she was confirming the inquiries which inquiries needed to be removed the call got disconnected. I called back and was connected to different US Representative.  I explained to him what happened and how the previous US  was in process of removing the unauthorized inquiries that were reporting on my credit report. He told me that he was not able to delete or dispute inquires.  I explained to him that the previous representative was in the process of deleting my unauthorized inquiries and how is it that the  previous US Representative I was speaking to could delete inquires but he wasn't able to.  The US Representative was very rude and didn't care to help me address this issue.  He stated that I could not be connected to the previous US Representative.  There is a total of of 15 inquiries from XX/XX/XXXX-XX/XX/XXXX from car loan places and financial loan companies in which I did not authorize to pull my credit. •	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX (XX/XX/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 (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have set up an account on Coinbase and used it to sell Ether coins for a value of {$5000.00}. My phone later stopped working, which lost me access to my account, as I had been using 2-Factor Authentication through a secure app. 

As it happens, I live in a different country than the one who issued my ID. This is one of the use cases for which Coinbase does n't offer a way to regain access to your account, as described here. https : //support.coinbase.comXXXX The customer support has not been responding to any of my emails since then, for a month now. My account is still unaccessible and my funds are locked away. I am now demanding access to my account or full transfer of the funds to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There is a few hard inquiries on my credit report that I do not reconize.

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 2022-02-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There is a few hard inquiries on my credit report that I do not reconize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Experian Information Solutions Inc.
State: PA
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:
A company named XXXX XXXX is reporting an account on my EXPERIAN, XXXX AND XXXX consumer report. XXXX XXXX Code XXXX disclosures thats financial institution may not directly or through and affiliate ( EXPERIAN, XXXX, XXXX ) disclose any personal information. I did NOT give and written communication to report any such information. XXXX XXXX appendix XXXX states that a company must displace notice of reporting information ; that was not provided. XXXX XXXX code XXXX states without my consent the consumer may not communicate in connection with any debt.

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