BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-07
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Requested reports by clicking on annualcreditreport.com on Washington State Attorney General 's credit site. Requested report on annualcreditreport.com. Requested XXXX report. Made possible error. Did not select XXXX XXXX XXXX as my bank because as far as I know my bank is XXXX XXXX XXXX without the " XXXX ''. Then informed I could not get my report online and I had request a hard copy to be mailed to me. Called XXXX to get a copy. Only options are automated. Ca n't get operator by pressing " 0 ''. At the end of slogging through the data entry and/or voice entry ( half of which apparently could not be understood ), I pressed the wrong number when asked if I was the blind. When asked if I needed a report for the blind I pressed the key for " No ''. No confirmation from them so I am not sure what I will get from them. Next I went back to the annualcreditreport.com website and went to the " Contact Us '' page. No option for a phone call to a human so I requested the " Comment Form ''. Filled out the form saying I was not blind and want the report for people who can see. When the comment was submitted I got a reply saying " thank you for your comment '' so who knows if any action will be taken. I know I am not the only lousy typist out there. Others could easily be caught up in the unhelpful loop. It seems to me that this whole process was set up in a very unhelpful way. It is almost as if they set it up for requests to fail easily. I have seen much better process flows and options for error correction. Thank you. P.S. This was all online or by telephone so I have no documents.

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 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 have a question of how my credit score is calculated. I have only one credit card with a limit of XXXX. I had a balance of XXXX, at time of dispute. The available credit of XXXX is reported as below average. 

I called Transunion about the problem and I was told that they take into account my student loan balance to determine available credit, and I responded my student loan balance should not be a factor in determining available credit because it is not a revolving credit like a credit card. 

I filed a dispute but they did not address the 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 2023-02-20
Company: Grain Technology, Inc.
State: MI
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:
This company is reporting inaccurate information, Ive tried multiple times to have this information corrected. Lack of communication and consistently this company is have some sort of information reporting inaccurate on my credit report. I am crusted and it is hurting my credit report. 

It is multiple inaccurate information reporting as of XX/XX/2023 Please have this account and everything dealing with this company deleted. Worst experience ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax was a victim of a significant cyber attack. My identity was stolen in this attack. I have set up alerts on my credit but as one of many victims of this attack, I have not sought recourse. Their free credit monitoring offer makes it so that I am unable to participate in a class action lawsuit which is unappealing and deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
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: Account status incorrect

Complaint:
Loan Account # XXXX Dear Sir or Madam, In response to a Consumer Finance Protection Bureau complaint, on XX/XX/2019 I received notification from Capital One that my account will be reported on all credit reporting agencies as Paid in Full, current as of XX/XX/2019. 

As of the date of this letter my credit bureau accounts are being reported as follows : XXXX  reporting as charge-off XXXX   reporting as Paid or paid as agreed XXXX reporting as paid account/charge off My auto loan account was mostly paid off by my insurance company ( XXXX ) after the car sustained a total loss in an accident. A balance remained, of which I paid off in a monthly installment plan. 

As of current my account is still reporting as charged off on 2 credit bureau reports. This incorrect reporting is causing me a great amount of hardship. I am currently out of work and unable to accept a job offer that requires me to commute 30 miles because I cant get a car loan to purchase a vehicle due to the charge off on my credit file. 

Ive made multiple disputes via the credit bureaus and each time this charge off status has been re-affirmed by Capital One. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Absolute Home Mortgage Corporation
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a Reverse Mortgage with a balance of {$580000.00} - my home is in the City of XXXX, current assessment is at about XXXX XXXX, Market value is approximately XXXX XXXX. My age is XXXX. 
My monthly statement shows that my negative Principal and interest is {$2400.00} Monthly mortgage insurance Premium is {$600.00} Absolute Mortgage continues to call and offer a refinance. 
Virginia State Corporation Commission # XXXX, I give them all my information, they say nothing is available to refinance to remove the MIP ( I do not want any cash out! ) because of my AGE!! 
But they continue you to call and offer to help me refinance. 

My loan increase at just under $ XXXX per year ( including PI+MIP ) at that point it would take - 10 years to even approach XXXX - I would be XXXX old! 20 years to come up to my 2019 assessment when I am XXXX! 
And still, they continue to call weekly to off a refinance package. 
This company trades in deceptive solicitation, and probably age discrimination.

BTW, I live with in a 10 minute drive of the XXXX campus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I tried giving this company the benefit of the doubt, but they are still harassing me over a mistake that they made. I sent the bank showing that there was never a return to sender for insufficient funds on my account. They lied and said there was. Also their argument is that if they didn't receive the last payment of {$610.00} then I should've contacted them and sent it to them. I started to them on numerous phone calls that I never knew that they didn't take an automatic payment out of my account because I received my title and a letter stating that I fulfilled my settlement agreement with them. Instead of them recognizing that they made a mistake, they are persistent in making seem like I made the mistake. In reality, they are completely wrong for not taking the automatic payment from my account. I had well over {$2000.00} in my account the entire month of XXXX so it's not my fault they didn't take the automatic payment. I don't control how they take the payment out so therefore I'm not at fault for that. Instead of them realizing they were wrong and admit, they are calling me harassing me about owing them {$7000.00}. The amount of the entire loan. This is unfair business tactics and I shouldn't be subjected to this type of harrassment. In fact, it doesn't make any sense of my behalf to NOT make the very last payment on a settlement agreement. It makes no sense at all. Instead, they are trying to force me to agree to paying them {$7000.00} the remainder balance of the initial car loan. I feel they need to be reported to You and the XXXX for unfair and dishonest business tactics. I also wish you would subpoena them for the recorded phone conversations that they have on file, so that you can hear, what all was said.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I purchased an item on XXXX. Sent the payment via CashApp. Coming to find out, it was a scam. Called my bank, and they said because the App is a third party app, that there is nothing they could do. 

Requested a refund, only for the refund to be declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter in the mail on XX/XX/19 stating I had an auto loan debt which was now in their office for collection. It stated I owed {$11000.00} and gave me 3 different options to settle the amount. This is an account that has already been paid therefore I called them to tell them that and they hung up on me as soon as I said I wasnt paying because the account was paid for and they were doing fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX To Whom It May Concern : I have enjoyed a TJmaxx credit card for 5 years. My credit card has a XXXX balance. I haven't charged anything in 6 or 7 months. My credit card has always been paid on time. 

Today, I arrived home to find a letter stating that you have closed my account????? ... due to insufficient credit score????? 

I just received this week a credit card from XXXX XXXX in the amount of XXXX based on my current credit score.

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 2020-02-24
Company: Utah System of Higher Education
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I spoke to a representative on XX/XX/XXXX and requested that they do not call me during business hours, which is my right as a consumer to do. I then emailed the company to request the same. Today, XX/XX/XXXX UHEAA violated my rights by calling during business hours. 

I have already mailed the forms needed for my loan to be reassessed, at this point this is harassment and a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Grain Technology, Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My information was used incorrectly to open credit cards. I reported indentity theft to my police department but nothing got resolved as far as getting thing removed from my report. There is a total of 5 accounts that are fruadulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
XX/XX/2020 I went to make a mobile deposit. I have been trying to make this same mobile deposit every month for as long as Wells Fargo has installed Mobile banking. As normal I could not make the deposit. So I decided to walk to the branch. As I arrived the branch was closed to walk ins but you could make an appointment. I decided to walk through the drive thru. They would not take me at the drive - thru. I then called WF to see how I could deposit my checks. They told me that I could not, unless I made an appointment or drove a car. I could not make an appointment and I did not have a car so could not drive up. I then walked home. When I arrived at home I called WF to try to get a mobile deposit completed or withdraw my funds from the bank. They could not administer either a withdrawal of my funds nor a deposit. So I can not complete any banking with WF. I was in XXXX OR last week and I could enter the WF bank and complete my banking, in Texas which is a State that is open I can not walk into a bank. So I can not put money in or out. My money is locked.

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 2019-05-30
Company: Summit Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Loan was taken out 3 years ago in a used car for acct number ending in XXXX! At start of loan told it was 7 percent interest rate and have only recently when loan is almost paid off been told that all my extra payment went to interest rate which was not what I agreed to! I have requested over and over and been denied copy of signed Car document showing interest rate or my signature acknowledgment! This means that as I got years thought that this loan was being paid off early due now! They are saying that in three years I have only paid {$2000.00} towards principal robbing me of funds, denying me access to file and now selling my loan to a new company who are charging me more with no proper notification and threats on a loan Im paying on! Im confused as to who truly owns this loan notification is not a message in machine to date no letter has been sent showing me 0! They refuse to show me the agreement of purchase and are now angered that Im asking for this and why my balances are incorrect? Charged me for a XXXX XXXX worthXXXX at time of purchase doubled the price on a used vehicle!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I borrowed a total of {$2500.00}, XX/XX/XXXX from CashCall.com. My account went to collections and I agreed to pay {$230.00} per month with XXXX XXXX for two years. In XX/XX/XXXX, my debit card was stolen and when I attempted to call the company to give them my new information, the phone number had been disconnected. Then, XX/XX/XXXX, I get a phone call from XXXX XXXX XXXX. They left me an automated message to tell me I was going to served a law suit within 24 hours between the hours of XXXX -- XXXX, and to have two forms of ID ready to accept the lawsuit. I panicked and called the number back ( I was at work ) and begged them to not serve the papers - I also gave them {$200.00} over the phone. After going back and forth with them throughout the day ( while at work ), they agreed that this wasn't my fault and that I only owe {$600.00}. This jeopardized my employment and gave me a lot of anxiety.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
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 sent a letter to XXXX XXXX/ equifax/ XXXX XXXX XXXX/XXXX XXXX XXXX/ XXXX XXXX/ XXXX/ XXXX XXXX on XX/XX/2018 requesting to remove the inaccurate accounts of my credit report. amounts are XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This morning, I saw on my debit card transaction history that a company called XXXX XXXX had used my debit card for {$510.00}. 
I contacted my bank and notified them that there has been a fraudulent charge and that my debit card is compromised. 
They said they will issue a new debit card and start a dispute for the fraudulent charge and an investigation will take place and could go on for up to 10 days. I explained that I needed this money to pay for my car payment and other bills and that {$500.00} is a lot of money. And they just apologized and said that this was all that they can do. How is it that I lost {$510.00} from no fault of my own and there isnt a guarantee that I will get my money back?

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 2019-05-30
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: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see pages 21 and 22 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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