BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I have reached out to Experian to ask to remove the loan for a car loan from XXXX XXXX XXXX in the amount of XXXX it was originally supposed to be settled with company in the amount XXXX which was done in XX/XX/XXXX as settled instead it was put on credit as charge off. I have send forms paper mailed out forms and complaint XXXX XXXX nothing again XX/XX/XXXX instead they added it back to my account and recently damaged my credit. Im asking this loan is settled to please remove my account or atleast to please stop the damage to my account. Im not getting help from anybody

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 2020-10-16
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
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 had a vehicle that I had voluntarily repossessed in XXXX from Credit Acceptance Corporation because I fell on hard times and could not pay for the vehicle. Fast forward to today and I am trying to get a small home loan for like {$75000.00} and that is the only thing on my report preventing us from getting a home loan. This debt is being improperly reported as late payments instead of a charge-off which is how it is supposed to be reported. Please help, as in getting a home loan, it will help me get a lower monthly payment for living and then I can pay off more debts owed with the extra money I will be saving on rent vs. owning.

This is the information of that account : Account No. : XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: WESTERN CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I hired a lawyer to help me get custody of my daughter. He guaranteed that he could get this done but he didn't. I realize that the results shouldn't have been guarenteed but he didn't do any of the things he said he was going to do but yet i kept being billed. I went to court once for my daughter but he charged me as if i had gone to court 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Dream Center Education Holdings
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I withdrew from school XXXX University online division, and every time I go online to see if my account has been fixed to see what I may owe the school or loans the numbers are different one day I dont have a balance the next day the the numbers are changed and I have a balance, the last time this happen they delayed my stipend for 4 months, I trir6talking to a supervisor and got no where I ended up going to the corporate office and it was resolved but now they are doing it again.i have pictures of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Byrider Franchising, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Called to make my payment with XXXX XXXX in XXXX, TX on XX/XX/2018. They hung up on me multiple times and refused to accept my payment. Now they are attempting to repossess my vehicle.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: TN
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan is relatively new loan, refinanced in XX/XX/2019. I have a VA loan with an escrow account that lender is required to pay home owners insurance and property taxes. I received property tax delinquent notice for winter taxes. Lender attributed this to timing of the loan and was not sure who should have paid, either previous lender or current lender. Either way, they did get paid. I have now received another property tax delinquent notice for next round of property taxes due. 


Lender is Lakeview Loan Servicing LLC.

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 2023-07-13
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: AES/PHEAA
State: CA
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:
I was dealing with two servicing agencies, AES or American Education Services and XXXX or XXXX XXXX until XXXX closed down. XXXX closed down and my loans were sent to AES. My monthly loan payment at XXXX was {$270.00}, but when AES took over the loans last month they raised the monthly payment amount to {$440.00}. Last month, which was the first month that AES took on the loan, they charged me {$270.00}. But this month they want to charge me {$440.00}. 
I already had one loan with AES previously and I pay {$320.00}. So I was expecting to pay {$590.00} this month and onwards for all the loans. However, now AES is wanting me to pay {$760.00} for all the loans. 
I spoke with AES on XX/XX/2018, and they told me that they changed the disclosure and increased my amount. I then asked for a different repayment plan, but they said that I have no other options and must pay this amount. I am on a limited income and can not afford this payment, but they refused to accept this reasoning. They do not want to work with borrowers. I have been consistently paying on all my loans and AES just decided to raise the monthly amount because they felt it was needed. 
This company is setting borrowers up for default.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I deposited in the ATM {$4900.00} on XX/XX/2023 around XXXX. At XXXX XXXX XXXX. ATM located at XXXX XXXX XXXX XXXX, XXXX  XXXX at XXXX XXXX XXXX XXXX. 

I called the company so many times and havent received at response. I deposited the money to pay my college semester and if I dont pay on time I will have to pay a late fee. 
This is frustrating, I hope you can help me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
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: Account information incorrect

Complaint:
I am disputed that Equifax is reporting inquiries that is over 2 years old which should have been deleted ( XXXX ) they responded that they need proof of my identification which I am now uploading.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/1997 I went online with Citibank, After their representative had been very rude and unhelpful to me over the telephone, I cancelled my card. 
I agree online that they would stop deducting money from my account and would reimburse me the amounts I had not authorized. {$150.00}. 
And that they would deduct {$50.00} from my checking account on the XX/XX/XXXX of the month. 
They had overcharged me in XX/XX/XXXX and in XX/XX/XXXX. 
I tried sorting it out on the web, but this time they stipulated that I had to speak to a representative. 
I tried very hard to speak with the Citibank representative, but as they had been in the past - they were totally unhelpful. 
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 2021-11-01
Company: OneMain Finance Corporation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive return there calls an told them in the beginning we do not want to use the internet to pay our bills cause our bank account have been hit before with hackers not risking that again. Was working fine in the beginning with them. Just recently Ive been getting calls an ive talked with them an have asked why is my bill coming in late they said they have no control on that well its coming in 2 days before its due we will still call an hangs up but they want additional payment now thats not fair theyre making me late on payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX, is not stating that monthly payments are being paid. I negotiated debt, and my balance is showing incorrect amount I owe and not being paid. I have statement/bill which, shows new amount owed and being paid. 
The original creditor was XXXX XXXX XXXX  I can upload statement. 
XXXX is balance owed, not close to XXXX. 
XXXX XXXX refuses to make changes on credit reports.

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 2018-08-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 I received two calls from Chase Card Services within 1 hour. In both cases I identified myself as the correct party and even advised the 2nd debt collector that she was in violation of FDCPA as she proceeded with call as if it was no big deal. I demanded to speak with a supervisor and spoke with XXXX ( team leader ID : XXXX ) in the XXXX XXXX office on Monday, XX/XX/2018 who apologized and requested I contact her should this happen again which I plan to do today since I received a call @ XXXX XXXX  which I did not answer, then again at XXXX which I answered and identified myself and during his speech I hung up as it was not the right time to discuss this and then AGAIN at XXXX XXXX ( XXXX ID : XXXX ). I explained to XXXX that she was in violation and proceeded with collection efforts. At this time, I intend to proceed legally as the debt collectors are clearly not apologetic or upset that they violated FDCPA and I have brought this to the attention of management.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Bread Financial Holdings, Inc.
State: OR
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:
XXXX XXXX reported that I opened a credit card account with them on XX/XX/18 which is a very generic date ( people don't get everything done on XX/XX/XXXX, so this date is obviously fraudulent ). I've never done any business with XXXX XXXX and when I disputed this information with XXXX TWO TIMES they did not remove the account from my report even though I didn't open this account. I have been given no proof that I opened this account, probably because I don't didn't, and any proof would thus be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
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 try to buy i car when dealer pull my credit show an account dont belongs to me i call credit accepttance corp talk to 4 different agent but not one were able to help also car XXXX  not luck as well

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 2021-06-09
Company: Blackhawk Network Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a purchase on XX/XX/21 at a local restaurant. The charge that was taken from my prepaid visa card was more than the charge on my receipt. I submitted a dispute with the credit card company " Blackhawk Network '' on XX/XX/21 and emailed it to them with a copy of the dispute form, the receipt and a copy of the disputed charge from their website. I received a response stating that they were unable to find the account and asked for additional info from the card on XX/XX/21. On XX/XX/21 I received an email stating that the Dispute number XXXX was " resolved '' and that the " notes '' stated that there was a " NEW DISPUTE SN INBOX/SERVICE DISPUTE '' and showing a new case number XXXX. I have been tried 3 times to get an update on the dispute but have received no responses to my emails or calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I engaged PenFed Credit union for a mortgage refinance in XX/XX/2020. A property appraisal was paid in full and no response from " underwriting '' has been provided to date XX/XX/2020. They have stopped providing updates to me as a consumer and I have provided all required documentation. 

I have requested a copy of the appraisal and it is yet to be sent bak to me. 

PenFed Credit Union underwriters, staff and management do not provide customer service. 

I have done over XXXX mortgages in my lifetime, this has far been the most unprofessional process I have ever been exposed to as a customer. 

No updates, No Answer, 6 Months later no completed underwriting. 

Stay away from XXXX XXXX XXXX XXXX # XXXX and 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 2019-01-09
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Have been an account holder of Wells Fargo bank for over twenty years. My investment portfolio has a XXXX XXXX XXXX checking feature. Have only attempted to use is recently and encountered issues. Was assured that the problem would be investigated. XXXX XXXX, a Wells Fargo officer was assigned to the case identified by case number XXXX. Weeks have passed and there has not been a single finding in this so called investigation. 

I have, however, discovered that for each check presented a penalty was affixed to my account. As of this writing, there has been no information revealed to me about the investigation. If there was a problem with the check the bank should simply reject the check. If this is not a predatory banking practice then I would want the bank to detail how it is not. Additionally, if proven, what would be the penalty for a series of predatory practices.

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 2021-06-09
Company: ALLY FINANCIAL INC.
State: NJ
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 got this accounts that are not mine : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft ALLY FINCL Account Number : XXXX This is not mine.

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 2020-09-10
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am trying to use my Barclay Aviator Master Card via XXXX  XXXX  to transfer money to my fiancee. However, the transfer was declined by XXXX XXXX and they refused to tell me what the issue was. After a lot of digging, it appears that Barclay declined/blocked the transaction and did not tell me about it for several hours. This is an emergency situation and need to get this done asap. 
i called Barclay and they said that it is standard procedure. I had already told them i was doing this, however it was still blocked. 

This issue has caused me a loss of 2.5 hours of pay due to having to leave work to get this done, but they don't care. They claim this is a security feature, however it is a huge inconvenience and i have asked repeatedly to intervene. It is NOT a customer security feature, but rather an internal loss prevention geared towards their own benefit which the customer just has to suffer with. 
any help is greatly appreciated.

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 2021-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation