BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: World Acceptance Corporation
State: OK
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:
I contacted XXXX on XX/XX/2020 as old judgements, more than 5 years old and  also were filed and discharged with Bankruptcy Chapter XXXX and XXXX. I sent in all the proper documentation from my attorney and also explaining the statue of limitations had also expired. I explained this was halting the closing on my home yet they still have not corrected any of the information. This information is no where on my 3 credit bureaus as they have all came off due to statue of limitations and they were in the bankruptcies. 

Contacted World Acceptance on XX/XX/2020 and left message for Bankruptcy department asking to remove the incorrect information of balance owed {$950.00} and reporting past due as this was included in Chapter XXXX payment plan and paid in full as agreed to plan. The information was removed from my Transunion report however not XXXX  or XXXX. I have left messages daily again with the Bankruptcy department as and have received no communication. I have reached out to the local branch to the manager and have also received no communication stating this is not their problem. I have sent in all documentation pleading for help as I need this cleared up asap however zero communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: MO
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 originally disputed XXXXXX/XX/XXXXaccount with Equifax specifically asking them to verify this account ... and if the account was verified I wanted them to send me all documents supporting this account .... Eqiufax has failed to supply me with supporting evidence as I am entitled to according the FCRA consumer regulations ... ... they never sent me any thing verifying this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX a payoff check was mailed from XXXX XXXX to XXXX XXXX to pay off our traded in XXXX XXXX XXXX XXXX. On XXXX XXXX I called them for the status of why I still had a balance listed on their website. I was informed the check had been received but it was XXXX short. I was told that if I paid them that they would backdate the check and it would be taken care of. We are now getting emails about late payments and its now three days away from reporting late on our credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-11
Company: National Financial Group, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A membership was purchased under the pretense that we could cancel at any time. After three months of paying on time I decided that the membership was no longer useful and notified them in writing which they requested that I would be canceling it. After several months they send a letter saying I still owe a balance and it would be turned over as a debt if I didn't pay said amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had my account closed for my capitol one credit card a long time ago when it was stolen by some kid when I lost my wallet and I paid off my balance which was about XXXX dollars at the time but for some reason my account this still open and accruing interest until this day. I dont own anything except a XXXX  credit card which has no balance and I also have a XXXX  XXXX  card as well which someone took it upon theirselves to withdraw money at an atm which totaled out to about XXXX bucks and put me in overdraft which now says XXXX dollars. I cant pay this I dont make enough money behind child support and my rent payments. Im being harassed by many different phone numbers trying to get me to pay as well as bills in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
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:
My fiance and I are soon to be in the market to purchase a home. I prepared be checking my credit report to know my score. While doing so I noticed a few items that are not mine. These items need to be deleted from my credit report. I've contacted FTC and my local police. I'm doing this on my own behalf. There are still items on my credit report that are not mine. Chapter XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. inquiries : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: FL
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please accept the following as both a formal complaint against PHH Mortgage and as Notification of Intent to Defraud ( Fraud, Theft or Intent to Defraud ) by unscrupulous mortgage holders that has come to my attention during the COVID-19 crisis. 
Due to the crisis I contacted PHH Mortgage in an attempt to have 1-3 months of my mortgage payments waived. They did not offer a waiver option but did in fact offer a deferral ' option but its the terms that have me seriously concerned. 
1. they would defer 3 months payments 2. At the end of the deferment all payments deferred would be due in a lump sum 3. If I was unable to make this payment they would consider other repayment options which they would not disclose or possibly a refinance option For folks that have lost employment and with the crisis continuing for at least another month I find it nearly impossible that I ( or others ) would suddenly obtain funds to make a lump sum payment for any deferred monthly payments. 
Is my concern that this practice is laying the ground work for astronomical rates of foreclosure and/or will force customers into a less then equitable refinance positions. 
At this time I am formally requesting that your offices review this practice and determine if it is legal or fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When we sold our apartment we deposited a large sum with Citi. They encouraged being a citi XXXX  account. Now, years later I see fees showing up because they require the balance to be maintained on the XXXX of each month vs average over the course of the year. I have already addressed this part with the bank. 
What was fascinating to me and should be looked into further by this agency is that I was charged {$30.00} on XXXX because I didn't meet the balance requirements on that date. Later that month when I took out fees from a non-citi ATM, I was charged a {$3.00} charge which I normally wouldn't be charged because my accounts didn't reach the balance level on XXXX. How could it be that for those not meeting balance requirements and then get charged a fee to stay with that account type are then also declined the benefits of that account type. I care little about the {$3.00} and much more about how these discreet policies could be harming all Americans. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is refusing to remove a inaccurate bankruptcy on my report. I have asked for verification etc and they continue to send me an automated email saying that it has been verified. I have contacted the bankruptcy court transunion is saying they verified through and they confirmed that they DO NOT verify bankruptcy and there is no way that the credit reporting Transunion has legally verified this bankruptcy.

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 2018-01-31
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a membership with XXXX XXXX for baked goods and candy delivery to my home. I returned the items they are trying to collect for and do not owe this company but they are still trying to collect and have added this collection to my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing have been heard from them. That means TransUnion 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 XXXX XXXX : {$3700.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXD Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXate of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: AMERICAN EXPRESS COMPANY
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called in onXX/XX/XXXXto report the Natural Disaster happening on XX/XX/XXXX that burnt down my warehouse and my Manager 's home. This was in the midst of Quarter 4 as I own a XXXX Company and went through Financial Difficulties as a result.

The supervisor representative agreed to remove : XX/XX/XXXXInterest Charge {$310.00} XX/XX/XXXX Interest Charge {$210.00} XX/XX/XXXX Interest Charge {$130.00} XX/XX/XXXXInterest Charge {$320.00} I called back on XX/XX/XXXXto confirm the removal and they stated 1. American Express has no records of the call 2. They won't remove the charges due to it not falling under Natural Disaster conditions 3. They stated address is not on file for that location but the problem is that I have many addresses and only giving them my mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I joined a dating site called XXXX XXXX for one month at {$14.00}. I notice with 24 hours or less contact issues with the site deleting my information in my profile and changing what I was saying. I did e-mail the company XXXX XXXX and did receive a response back from XXXX XXXX on XX/XX/XXXX stating my account could not be cancelled. XXXX also I believe was changing and harassing members as when I complained, she sent an e-mail return with a smile face. Other people also complained as they didn't understand why and who was changing the profile information. I did call Bank of America, VISA  credit card to dispute the {$57.00} charge and told them I wanted a month membership, not 6 months. I faxed all information proving this including trouble tickets, e-mails from XXXX XXXX employee etc. Bank of America Visa credit card turn around and sent me a letter dated XX/XX/XXXX stating there was nothing more they can do. They failed to protect a customers interest and allowed fraudulent charges to be processed. I have approx. 40 pages of proof showing cancelled subscription to reactivate subscription by the company called XXXX XXXX which Bank of America has in their possession. Bank of America apparently refuses to send conformation of dispute other than saying there is nothing we can do after I spent hours faxing proof to them.

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 2018-01-31
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After trying to use " XXXX '' to access my XXXX XXXX XXXX, I keep receiving a message as follows " XXXX is blocking you from enabling external applications ''. I can not access my account through Trim.com. After a call to XXXX to fix this problem to access my account, they were unable to fix the problem. After approximately 50 minutes on the telephone with XXXX and after speaking with 5 representatives, there is no resolution and XXXX can not access my card with XXXX. XXXX has not fixed this problem.

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 2018-01-31
Company: CL Holdings LLC
State: FL
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:
There is an account being reported on 2 of my credit reports by XXXX XXXX XXXX. I contacted XXXX XXXX on XX/XX/, by telephone at XXXX and spoke with a customer service rep named XXXX XXXX. He advised that he didn't have any information matching my name, address or social security number and that he was going to submit an account resolution update to get the information stopped from being reported. I have sent a letter to the credit bureau requesting the information to be removed or updated certified letter return receipt XXXX. I have uploaded this letter as supporting documentation. To date, this account is still being reported on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: Experian Information Solutions Inc.
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:
I reviewed my Experian report and found an inaccurate open date for the XXXX XXXX account listed on my credit file.

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 2018-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to purchase cryptocurreny using my checking account. My banking institution, Capital One, has informed me that they do not allow any funds to be used to make such purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi- my name is XXXX XXXX. Last Monday I had contacted you on behalf of my family regarding the fact that Bank of America had put a stop payment on a check received 5 days earlier following a falsified report that the check was stolen. On Thursday we were contacted by a representative from BoA wanting to discuss the matter and hopefully get it resolved, as my bank balance was plunged into the negative because of their actions. 

I have been trying to call the person in question, a gentleman named XXXX XXXX, since that day. And every time I or my mother have called it automatically bounces to his voicemail. We have no idea where this person is or when he'll be in his office, nor can we wait another day or two because again my bank account, our only means of survival, is still in the negative and we are now completely out of money.

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 2018-07-09
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a XXXX dollar secured credit card with Wells Fargo in XX/XX/2016. In XX/XX/2016 my balance was XXXX  I called Wells Fargo and closed the account and told them to apply my XXXX to the balance. Close the card and send me the balance. I never received any money from them. I recently signed up for XXXX XXXX and found they have been reporting the account in a negative status ever since and eventually as a charge off. I want them to stop reporting anything about me to any credit bureau.

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 2018-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged for shipping on my Kohl 's when i should not have been charged. They agreed to reverse the charge on XX/XX/XXXX, the charge did not get removed so I called again on XX/XX/XXXX, and again on XX/XX/XXXX. On XX/XX/XXXX they said that the refund was canceled twice. I was also told on XX/XX/XXXX that I would receive an email with my refund information. The refund is only for {$9.00}. I'm not sure why I can not get my {$9.00}. I'm on my XXXX call with the Kohl 's charge company and they offered me free shipping on my next order ( i get free shipping on orders anyways ). They can not give me the number to the people that keep denying my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS COLLECTION OF DEBT WAS FROM IDENTITY THEFT, THE DEBT OF {$1000.00} IS NOT MINE DEBT THIS FROM IDENTITY THEFT I DIDNT NOT OPEN AN ACCOUNT ON XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been consistently paying on my student loan from XXXX XXXX for several years. I have applied for numerous teacher forgiveness programs [ Title One School, Income Driven, and all the other ones offered to me ], only to find out that for one reason or another, I did not qualify ; however, one of the programs required a copy of my income tax return. Although I did not qualify for that specific loan, I was told that my payment would not be increased [ very strange since I file jointly with my husband, and now my payment was increasing ]. When I asked about the increase, I was told they miscalculated my loan... how could this be, since I had been paying the same amount for years? I specifically asked is the increase was due to my submitting my joint income tax return? Athough they denied it, I can not think of any other reason why they would all of a sudden increase my payment after several years. I am paying 1/3 of my salary and can not afford the increase. I email them every month stating that I am not able to include the increase as my husband is retired and on a fixed income, to which they suggest I again apply for one of their Teacher Forgiveness Loans. I am almost XXXX years old and do not plan on working another 10 years. If I continue to make my monthly [ the lower rate that I've been making ], I will be XXXX years old when the loan is paid off ... but it will never be paid off because I am already $ XXXXbehind from the increased amount. I NEED HELP! What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I received an unemployment deferment for the period XX/XX/2018-XX/XX/2018.  Now I am receiving monthly statements and emails suggesting my account is in arrears. More importantly, I am receiving unemployment benefits and those statements and messages are adding to my stress and ire.

Company response to consumer: Closed with explanation