BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The account was charged off as bad debt it was a taxes write off for the company so I know longer own the debt plus the company did n't verify the account in the first 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
XXXX has on my credit report date open from Wells Fargo on XXXX XXXX but first reported on XXXX XXXX and 72 months fin but on the other loan that was transferred open XXXX XXXX but first reported XXXX XXXX 72 months in which the loan was not finance on 72 or 73 months it was 60 Months There was no {$2000.00} written off as stated on my credit file. And how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with XXXX XXXX there is a charge off of {$1900.00} XXXX showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XXXX/XXXX/XXXX delinquency 120 days but closed XXXX/XXXX/XXXX last payment made XXXX/XXXX/XXXX XXXX closed out Loan as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
Wells Fargo does nothing but report wrong information and has all different amounts of years showing 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 2022-03-30
Company: Dovenmuehle Mortgage, Inc.
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My hours at work were cut about a month ago, and after doing research and speaking to some people at HUD, I submitted with Dovenmuehle to get a mortgage forbearance under the CARES Act extension. Despite the Act including no language about needing to prove hardship, Dovenmuehle requires proof of hardship. So on XX/XX/XXXX, I submitted copies of paystubs so I could move to their next step, in requesting forbearance. When it appeared my documents were not being processed ( appeared stalled in queue ), I sent an email, same day of XX/XX/XXXX, asking both if they could provide an update on my specific file, and give me guidance as to what their hardship documentation requirement is, as it is absent from the Cares Act. A reply came on XX/XX/XXXX, stating that they are unable to assist over the phone and that I must call ( even though the ball is in their court, as I have submitted documentation properly ). So I called then ( XX/XX/XXXX ) and waited for OVER an hour, while being repeatedly assured someone would be on the line " shortly '' by their automated recording, holding for over an hour did not result in my ability to access a human who could assist me. I then emailed letting them know I can not wait for hours, plural, on the phone for assistance -- and made a request to find out how I can be assisted here. I let them know that if they put me off I will move forward with filing a complaint as it sure seems like Dovenmuehle takes steps to prevent people from accessing the Cares Act. I got a response this morning, XX/XX/XXXX, explaining the hold times are due to the pandemic, and offering no other support, directing me again to call the same number I had just explained requires hours, plural, on hold with no support. It is with the belief that Dovenmuehle has : 1. Added additional impediments to obtaining relief through the Cares Act, despite this not being their right to do so ; 2. Dovenmuehle then does not process their own required paperwork. ( So they add another step for the consumer, and then leave the consumer stuck at this step ). It is my belief that both of the above actions are both at odds with the nature of the Cares Act, and in an attempt to prevent people from accessing it. This makes me angry and I would like some answers and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
After much research I called capital one to request an increase to the existing platinum card. I was told that as I had just received an increase I would do better to apply for their no fee cash back XXXX credit card, which I did, and was approved. Today when I went to review my account I noticed a {$39.00} membership fee. I immediately called as I was not made aware of any fees otherwise, I would not have opened another account. The representative said I could 've combined the two accounts to make it one ... something that the initial representative said I could not do since I had to apply for an entirely new account. Finally she said she would the charge this year and I stated that I would figure out if I could to take a negative credit hit when I close the account before 2018. However, the system would not allow her to waive the fee! I am stuck with a credit card that advertises no fees and after a year of using the card want to apply a fee! This is bait and switch! And if I close the account my credit scores will be affected! I need assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: ERC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
trying to collect a debt that XXXX or XXXX not be mine that is past the state of SC 3 year statue of limitations and reporting negative information to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint has to do with Comenty Direct, their policies and customer service. I couldn't access my account for three weeks because of a glitch in their secondary verification process. I kept calling and kept being told that someone would get back to me in 3 to 5 days. This in itself is outrageous -- three to five days when you can't access your account. In any case, I eventually got lucky and the customer service person on their main number was able to solve the problem ( after two other had failed ). 

That was issue # 1. Issue # 2 : I wanted to transfer XXXX from my savings account to another financial institution. When the website wouldn't allow it ( bizarrely limiting withdrawals to XXXX! ) I called and was told I'd need special permission and that it would take ( guess what ) XXXX to 5 days. To make matters worse, the person I talked to on XX/XX/XXXX put in the request but failed to enter the amount ( XXXX ) and therefore it wasn't acted upon. The person I spoke with today ( XX/XX/XXXX ) resubmitted with the correct info, which means I should be getting an answer in ( wait for it ) three to five days! 

In my opinion, this is intolerable behavior on the part of a financial institution. When you have funds in a savings account you expect the funds to be available without having to ask permission and then wait for someone to get around to acknowledging your request. My impression is that they don't take either their fiduciary duties or their customers seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Neighborhood Assistance Corporation of America ("NACA")
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I wasn't sure how to classify this. InXX/XX/XXXXI filed a complaint against NACA here w the CFPB about a problem I was experiencing with their counselors at the local office. When I initially filed the complaint, I explicitly asked for the NACA office to truncate my information so that those involved in the incident did not have access to my personal information. The DM never responded as to how he was going to secure my personal information. 

Recently, I was NACA qualified and sent back to the local office in XXXX. I am now finding out that in XXXX of XXXX, someone at NACA pulled my credit report without my authorization and they're telling me I can't purchase a home without paying for the credit report. I did not authorize NACA to pull my credit in XXXX of XXXX. I was actually in the process of getting a new remote XXXX from XXXX to XXXX so I was not even an active participant of NACA in XXXX of XXXX. Someone at NACA pulled my credit report without my authorization and this leads me to believe someone there is trying to steal my identity as there was no other reason for them to pull my credit. This violates the FCRA as I did NOT authorize my credit to be pulled. I want to know why my information was not secured when I spoke with management about the issues I had and advised them my information needed to be secured at the XXXX office.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Explanation of complaint : Convergent Outsourcing Inc. is intentionally misrepresenting data in violation of the FCRA ( https : //www.ftc.gov/enforcement/statutes/fair-credit-reporting-act ). 
This is a clear violation of the law. 

Collection Agency ( COI ) Must supply all of the following documentation in an accurate and truthful manner. 

1. Original Contract 2. Pay Off Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History 6. Credit Insurance COI is fraudulently " re-aging '' debt for the purposes of damaging credit in attempts to manipulate and coerce consumers. ( What is re-aging and can it harm your credit report? Re-aging is the term used when a debts status changes in credit reports to make them appear as a new debt. Unless a financial institution is the one doing the re-aging process after a payment agreement has been established, neither the original creditor nor a debt collector can re-age a negative account. 

No matter how many times a delinquent account is transferred or sold from a debt collector to another, the date of first delinquency should not change. Doing so is a severe violation of the Fair Credit Reporting Act ( FCRA ). ) COI has been contacted regarding this matter and has been unresponsive.

I request assistance in requiring COI to adhere to legal and ethical requirements including : 1. Deletion of the derogatory entry in any and all future reporting to any and all credit reporting agencies. 
2. Supply me with all of the required documentation as required by FCRA listed above ( numbered 1-6 ) 3. Supply complete documentation regarding all entities with whom this collection action has been transmitted to so that correction and dispute actions may be completed.

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 2022-02-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have Zero old debts I had filed Chapter XXXX Bankruptcy and I was called, and threatened by Midland Credit Management that if the {$700.00} balance is not paid they will place it on my credit, this debt was included in my Chapter XXXX Bankruptcy and Midland Credit Management just recently reported the balance as a new debt. This is an illegal tactic which I find appalling. Please Delete the following listed below from my credit report. 
XXXX - MIDLAND CREDIT MANAGEMENT XXXX Date : XX/XX/2022 {$700.00} Midland Credit XXXX XXXX XXXX : XXXX East Big Beaver XXXX XXXX XXXX MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-11-08
Company: National Credit Adjusters, LLC
State: MS
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 XXXX  credit report has XXXX XXXX XXXX XXXX XXXX on my report the amount is {$200.00} the date was XX/XX/2020. I called XXXX XXXX XXXX  and tried resolving this issue to let them know this is a error, and that i have no knowledge of this collection, but they kept calling me.XXXX XXXX XXXX told me this collection i owed was from XXXX XXXX and XXXX, that i have no knowledge of.I had to change my number to stop the callings im hoping this error is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: ALLY FINANCIAL INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I received a letter from Ally Bank ( XXXX XXXX XXXX, XXXX CT XXXX ) that they apparently denied my loan request because they received a low credit score from XXXX, XXXX. XXXX reported my credit score as XXXX, when I know the three major bureaus report my credit as around 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 2017-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
From Capital One credit card, I received XXXX XXXX statement with due date of XXXX XXXX, XXXX, with total amount {$1200.00}. 

I made {$1000.00} payment on XXXX XXXX, XXXX. I made a {$500.00} payment on XXXX XXXX, XXXX, the due date. 

I was charged {$13.00} internet on next billing cycle. I called three times and no resolution yet. There are two problems in there system that needs to be audited. 

1. Time of due date - I got a response that my remaining payment of {$220.00} was made after XXXX XXXX cut off time that made that payment reflect on next day, which is considered late payment. The cut off time is arbitrary, it should be midnight customers time. 

2. Even if {$220.00} was paid late, the interest on this at 23 % APR for a month should be not more than {$5.00}. Their interest calculation mechanism has error that calculated it to be {$13.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: NAVY FEDERAL CREDIT UNION
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:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third-party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} Chapter XXXX Bankruptcy Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have new information pertaining to a complaint I sent to TransUnion. The complaint ID is XXXX. I am a victim of identity theft and it has been well over 4 business days and they have not blocked the information. TransUnion needs to follow directions pursuant 15 U.S.C 1681c-2 ( a )

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 2021-11-08
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a issue with rent one month and I tried to solve the issue through my bank so I opened a claim but my roommate had the money for it so I had them add the credits to my account and I sent them proof that my roommate paid it and I only ever received a email saying claim was approved and closed but 5 months later they reversed the credit and said they couldnt see the proof, I sent more proof and I was told today that it wasnt enough and that I wont be able to get my money back. I spoke to my apartment and they dont have the money that was taken out my bank either

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 2021-05-11
Company: Minto Financial dba Minto Money
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On Friday, XXXX I called XXXX XXXX for a payoff amount and was given the total of {$720.00}. At that time I authorized payment for {$720.00} to payoff and closeout the loan. 

On Monday, XX/XX/10 the loan payoff was deducted from my checking account as well as a " regular payment '' of {$230.00} which should not occurred due to my loan being paid off. 

I used the online chat and called minto money requesting the extra payment to be refunded and both channels refused a refund because the {$230.00} was my regular payment. 

XXXX XXXX should have cancelled my XX/XX/10 regular payment when I called on XXXX for a payoff amount and processed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Disputed items on XXXX and still no reponse from the credit agencies. Listed below are the accounts I disputed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX AF inquiry ARS ( XXXX ) collection XXXX | XX/XX/XXXX inquiry

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