BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approvals. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX wired {$53000.00} to Bank of America to pay off a fixed second mortgage loan. As of today, XX/XX/XXXX BofA is still showing the loan unpaid, outstanding and past due. They can not confirm that the money has been recieved. 

I have spent hours on the phone to have them confirm payment and each time they dont know. Average wait time are 1.5 to 2 hours each time. In addition my XXXX XXXX has reached out and they are having no luck. 

I am concerned that {$53000.00} is missing and my credit will be impacted. 

Information on Wire : Date : XX/XX/20 XXXX XXXX Fed Number : XXXX XXXX Loan Number # XXXX XXXX as indicated on payoff letter. 
Bank of America Att : Payoff Department XXXX, TX XXXX Routing ABA : XXXX Account # : XXXX Loan account number on statement prior to XX/XX/XXXX : XXXX XXXX XXXX Loan account number after XX/XX/XXXX : XXXX ( they change the loan number )

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 2017-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Experian Information Solutions 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 contacted Experian on XX/XX/XXXX about the following accounts that are not mine ; XXXX ( Account number XXXX, XXXX opened XX/XX/XXXX, Original amount {$1000.00} ), XXXX XXXXXXXX XXXX USA XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$2800.00} ), XXXX  XXXX ( Account number XXXX, XXXX opened XX/XX/XXXX, Credit limit {$3000.00} )XXXX XXXX XXXX  ( Account number XXXX, Date opened XX/XX/XXXX, Original amount {$1000.00} ), DEPT OF EDUCATIONXXXX ( Account number XXXX, Date opened XX/XX/XXXX, Original amount {$6000.00} ), XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$730.00} ). Experian have not responded to my request to investigate as they are required by the FCRA. Attach is a copy of the disputes I send 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 non-monetary relief
Consumer complaint received 2018-08-14
Company: SUN LOAN COMPANY 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 status incorrect

Complaint:
Sun Loan, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX is showing a hard pull for dates as follows of which I didn't give permission for these inquiries ; XX/XX/2018, XXXX XXXX, XXXX XXXX and XXXX XXXX. Please, correct this information. Thank you, 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 2018-03-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Due to Hurricane Irma, XXXX XXXX XXXX, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation. 

I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed. 

As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points. 

I call and call, they say they will fix it with no results. 

My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments. 

Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received two phone calls from a Debt collection agency call CCS Offices, number, XXXX. Claiming I have unpaid bills from XXXX. I have called XXXX. They have no record of unpaid debts and their records show I have no late payments. However, CCS continues to call. I would like to report this scam and get them to stop calling my home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Self Financial 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 all ready file a case with u guys about dis 3 mths ago and i had 3 accts and u said u will update them but u only update 1 and not 3 plz fix are update before we go to court and i sue u

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am forwarding this notice with the intent to resolve this matter of Alleged 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 explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-01-15
Company: Affirm Holdings, Inc
State: MA
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 opened an account with AffirmXXXX XXXX on XX/XX/XXXX. My original purchase was {$1100.00}. XXXX XXXX sent me the wrong items so I returned them. I received my credit so my balance decreased by half. I made a call to affirm to renegotiate my payments and they told me I signed a contract and I needed to make my {$370.00} payments over 3 months. I explained I didn't owe that much anymore since my return. They told me I still needed to make the payment On XX/XX/XXXX I made the payment of {$370.00}. They reported to the credit bureau paid on time. XXXX I called again to discuss my balance because I only owed about {$200.00}. My order was back ordered from XXXX XXXX  until XX/XX/XXXX. I told them I wasn't going to pay for merchandise I have not received or more than I own. I made {$50.00} payment in XXXX and my account was reported to the credit bureau as paid on time. I made additional payment in XXXX and a final payment on XX/XX/XXXX. I got a notification from experian affirm reported my account as 30 days past due. After my account was completely paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Nelnet, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have been paying for services from XXXX XXXX since Friday, XX/XX/XXXX of XXXX. I called today at XXXX as there was an overcharge on my account. Nobody answered so I left a voice message. Later at XXXX XXXX, I received a call back and was told that they " had to do a lot of digging '' to find out why. I pay {$10.00} a month for services and I was made aware through a phone call today that I have been getting charged an additional {$30.00} every month beginning on XX/XX/XXXX through XX/XX/XXXX with a total amount of {$800.00}, for not completing their PCI Questionnaire. My complaint is due to not properly being notified of the fee nor how to fix it. I never received this questionnaire, never got any type of phone call or even mailer regarding this. I was told that there were a few emails sent of which I assume may have gone into my spam folder if they in fact were sent, but I did not even know this questionnaire existed until today. I asked what my options were to the representative that told me of this fee over the phone and although he was very kind, he told me that I could email client services to cancel my account but that they will not be giving a refund. Took less than 5 minutes over the phone with me and didn't even try to give any kind of explanation or make things right. I sent an email to XXXX to try to get some kind of refund as I was not made aware of the extra fee or the necessary steps to cancel my account and XXXX XXXX, a client service specialist replied the following : " Hello, Thank you for the email the account has now been closed. 
Thank you! '' There was a complete lack of effort to give any kind of explanation or support for what happened both over the phone and through email. The total amount taken from every month for the past 25 months equals out to {$800.00}. If this questionnaire was so important as to charge triple the amount of what I pay for in monthly services, I would expect for someone to at least give me a phone call. This company showed they cared more about money than their loyal customers of years and completed avoided talking about the hidden fee. Never had anything negative to say until this point. So disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The bank that issues my credit card placed incorrect information on my credit report in the 'Remarks ' section and sent that information to all 3 credit bureaus. On my XXXX XXXX report, this error was recorded on XXXX. The incorrect information had a negative affect my credit score. 

Someone at the credit card co. was careless with the information on my account and placed information on my credit report, in error, that I was disputing the account. The truth of the matter is that the only dispute I had on my account was with a hardware store purchase that I used my credit card to pay for the online purchase. 

To make matters worse, I spoke with a supervisor at the credit card XXXX who apparently lied to me when she told me that they only report to XXXX who then, in turn, report changes to the other 2 credit bureaus. XXXX advised me of this and told me that they do not report anything to the other credit bureaus.

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 2020-10-21
Company: Volvo Car Financial Services U.S., LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I had a 36 month lease with Volvo Financial for an XXXX. The lease had an option to buy the vehicle at the end of the lease for {$34000.00}. I've been working with the dealer to finalize the paperwork for the purchase and I noticed the amount due was off, it was too high by about {$640.00}. I investigated and found that Volvo Financial failed to credit a payment I made towards the property taxes for the car, so it was adding on the {$640.00} to the back end purchase price. 

I've made numerous calls to Volvo- every day- to get this resolved. Every time I call I get a new agent who tries to help and then they refer it to the accounting department and tell me to wait 3 days for the records to update. I called yesterday and was told that the account was updated. I looked and the amount due for the purchase had not changed ( i.e. it was not reduced by {$640.00} ). I was then told that because my lease had expired on XX/XX/13 I now owe an extra monthly payment because I still have the vehicle. The only reason I still have the vehicle is Volvo has dragged its feet by not updating the purchase price so I can buy the car. I was told the issue would be fixed and someone would call me back. That has not happened.

I need assistance from the CFPB. Volvo has a responsibility to properly allocate payments, update records, and respond to customer inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: SUNRISE CREDIT SERVICES, INC
State: CA
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:
Sunrise Credit Services sent me a letter in the mail, saying they are trying to collect a debt. 

I owe money to XXXX XXXX in the ammount of XXXX. 

They tried to get my social security number, my credit card number and my email address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: LEXISNEXIS
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hello. I was on the phone with my current auto insurance company, XXXX and that we were working on a new quote for my new car I recently purchased. Came to find that my 6 month policy cost was too high for my budget. I asked why and said I had two violations which I was confused about. Said one on XX/XX/2018 and XX/XX/2018 that it was reported as CLUE. I think this is a mistake because my car was stolen on these two dates however I never reported to the insurance with a claim. I never had my car brought in to check/fix. I got my car back after both dates but never had it fixed. It was not a loss. This doesnt make sense to me. I dont need any additional stress/money on myself. IT was not my fault that my car was stolen on these two dates. The car was recovered and was still drivable. 

Please help me out to fix on this situation so I can get my new insurance policy on my car. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Reliant Capital Solutions, LLC
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: Their investigation did not fix an error on your report

Complaint:
The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by CRA XXXX use of an XXXX credit report. I ask that they immediately update this reporting. 
The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President XXXX XXXX on XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I cant open any bank and I dont know why

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 2020-12-05
Company: Byrider Franchising, LLC
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted multiple times a day everyday by this company. I have told them this is against FTC laws and they say it is not, and they will continue to do so until I pay a balance I do not agree with. This week, I was contacted 17 times. I have tried working with them and they are refusing to work with me or come to an agreement regarding the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: PENTAGON FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.

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 2018-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was in the hospital I had Fraud on my account I had both cards in my possession and I noticed there was 3 charges and 1 payment that I did not do I called capital one they said no problem we will reverse the charges and make a note of they payment wasnt you and it will not effect my account because I already paid over my min payment early and then I noticed my card account was closed before I can activate my new card and the rep said it was for my own protection and guess what I cant open a new card anywhere because of the XXXX that is not my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have made several attempts recently to have the balance updated to {$0.00} on a closed account with this company. The account was sold to a collection agency and yet this company is still reporting a balance owed. According to fair credit reporting practices, an account sold or transferred to a collection agency should not continue to report a balance owed. The fact that they are still reporting that I owe a balance is a direct violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: AMA Advisors, LLC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
No returned calls or emails.

Mislead about a refinance.

Mislead about the removal of Our mortgage insurance. 

XXXX XXXX caused a financial burden throughout our attempts to refinance our property. Words cant express how unethical they have treated my father and I even as their current customers. My father and I own multiple houses and this is the worst experience weve ever had with a lending company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Colony Brands, 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: Information belongs to someone else

Complaint:
There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.

Company response to consumer: Untimely response