BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-10
Company: Experian Information Solutions 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:
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, by updating the date of last activity on your credit report in hopes of keeping negative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

XXXX, EX and XXXX has RE-AGED the alleged accounts on my credit and refuse to correct the issues. Enclosed you will find, copies of my credit report, copies of the letters i sent,

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 2019-01-07
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
US bank blocked my access online without explanation. They are requesting me to go to the brunch. I am currently in XXXX XXXX XXXX and Bank cant clearly explain where the branch is in NY. Its caused huge inconvenience and distress.

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 2018-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
5 years ago i had a captal one 360 checking account then they shut me down for no aprant reson leaving me stranded in XXXX. for 5 years i am trying to explane them i don't owe any thing and they are now causing needless pain and suffering. they don't return my calls and they have no way to contact them to dispute negtive info they did to me. i have no where to turn to on this matter and i like questions and more

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2020, the Supervisor agreed to remove all late fees ( since my account was on deferment ) with XXXX XXXX XXXXXXXX XXXX XXXX, bringing my balance to {$280.00}. We had made an agreement that after I paid off the balance, it would be removed from my credit report. I paid off the debt bringing the balance to {$0.00} and the supervisor emailed me a letter of proof that the account was paid off and it would be removed from credit as stated. I noticed on my credit report that they reported a late payment on XX/XX/2020, after my balance was paid off days before. I need this New report and prior report ( on XX/XX/2020 ) removed from credit as soon as possible, as its hindering me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.

This is my last warning before I proceed to bringing legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 you are in violation of 30 days month definition by letter of the law which first appeared XX/XX/2020 For the reason given I demand closure of account effective XX/XX/2020 when balance reaches XXXX. I paid {$5.00} on XX/XX/2020 That mean your {$5.00} fee because was perpetuated too early is fraudulent and must be reversed.

Any resistance from your side will be faced with litigation for perpetuated phony debt fraud.

Going to submit complain to CFPB Pending TransactionsXX/XX/20 Debit : Plan Fee XX/XX/2020 {$5.00} Posted Transactions Actual Balance XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX XXXX   {$10.00} {$0.00} XX/XX/20 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} {$10.00} XX/XX/20 XXXX XXXX XXXX CA {$4.00} {$40.00} XX/XX/20 Debit : Foreign Transaction Surcharge {$0.00} {$44.00}XX/XX/20 XXXX  - XXXX XXXX XXXX {$16.00} {$45.00} XX/XX/20 XXXX* XXXX   XXXX  DE {$33.00} {$62.00} XX/XX/20 Debit : Plan Fee XX/XX/2020 {$5.00} {$95.00} XX/XX/20 Credit : XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX  , CA XXXX  {$100.00} {$100.00}

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 2021-08-17
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State.

This is my last warning before I proceed to bringing legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Yes, I filed bankruptcy, and reaffirmed my auto loan with Santander USA. Since the discharge they have not started reporting back to the credit bureaus. They stated that they will not resume reporting to the three credit bureaus. I have read the law and to my understanding that when you reaffirm the loan that they are obligated to report my payments being made. This is affecting my credit and that was the whole point of filing for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
They declined me and wont tell me why as they always do

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 2020-06-25
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:
I had three mortgages with XXXX  XXXX XXXX. All were transferred or sold to another lender, but with insufficient prior notification of the loans being sold. This resulted in payments being made to the wrong lender, and my account being incorrectly reported as past due. Attempt 's correct this mistake with the credit bureaus and the lender have failed to resolve this issue. 

Credit Bureau - Experian Lender - XXXX  XXXX XXXX Account Number XXXX Account Type Mortgage Date Transferred, closed XX/XX/XXXX Delinquency incorrectly reported - XX/XX/XXXX Credit Bureau - Experian Lender - XXXX  XXXX XXXX Account Number XXXX Account Type Mortgage Date Transferred, closed XX/XX/XXXX Delinquency incorrectly reported - XXXX and XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am not a third party, Im making a complaint against Equifax, XXXX and XXXX, I demand they remove the late payment from the XXXX XXXX XXXX account, they are reporting a late payment for the month of XX/XX/2021, I have disputed the late and they refuse to remove it. I demand they remove it. On XX/XX/2021 I received a letter from XXXX XXXX XXXX that I was not late. I made all my payments on time. No late payments. XXXX is reporting the account as negative because of the late payment which is incorrect. I demand that all three credit bureaus remove late payment and negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
One Main Financial drafted me a loan without disbursement to all creditors. They never notified me and continued to collected payment and interest in funds never disbursed to me or creditors. Upon finding this they held the funds to convince me to make a full payment in exchange for those funds back. I notified One Main also known as springleaf Financial in written form and verbally not to call my place business. After which I received 9 phone calls from the branch manager. My rights have been violated with these calls and interest charges above what I received. I am requesting the XXXX dollars in violation and interest charges in funds not disbursed be credited to my loan. Today they repossessed my vehicle. I am requesting the vehicle be returned along with the title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Credit Karma, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Between XXXX XXXX XXXX Credit Karma shows on the inquires over 15 times. Ive not used their services in over a year. There has been data breaches on my emails names, synthetic fraud, mail fraud, address fraud, wrong phone numbers and addresses on these account. The last time I used your service I disputed the XXXX XXXX  and savings account linked to your services and never heard back from your company. There are vehicles listed Ive never owned. Ive asked your company since 2017 to remove false addresses phone numbers middle name, fraudulent debt, the saving account and XXXX XXXX  acct I didnt authorize to begin with. The questions your company asked to even close it out was wrong because it doesnt pertain to me and my identity. Again please remove all addresses phone numbers emails vehicles savings Accts debit cards XXXX XXXX  accts linked debt the fraudulently reported and all these inquiries I didnt consent too. Attach is some proof Im having trouble getting into XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: WELLS FARGO & COMPANY
State: WV
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
My Nephew needed a better car for work, ( His credit was not real good ), so I put the car in my name, paid down payment, and every payment. When his wife got a job they where to start making it, but my Nephew died. Wells fargo sent a check because we I had overpaid. But when they sent the check it had XXXX XXXX and XXXX XXXX, and my bank whould not deposit it. I returned the check and told them he was dead and since my name was first and he had not paid any down payment or any payments, to please send new check with just my name. ( Who would send a check to a dead person ) They where nice at first and said it would be taken care of, but the next person I spoke with was a _itch of the first degree. I'm on a very limited income and need the money. Wells Fargo new my nephew was Dead before I called them. Thank you for your time 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 monetary relief
Consumer complaint received 2018-06-09
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 have a concern reguarding Equifax only at this point?. Last year I was given a 12 month relief from making any payments at all based on the fact i was in a Federal disaster area during XXXX XXXX. Because of the XXXX and losing my home I am now in a XXXX  situation. I applied for and was granted in XX/XX/2018 a 12 month Forbarence on my student loans. I noticed today that Equifax and only them so far dropped my FICO score 67 points because of the 12 month Forbarence statement from XXXX which has my loans. From what ive read, i should not see a major decline if any at all on my credit score because of this? As of this past friday i finally recieved a very nice Job offer from XXXX XXXX ( XXXX XXXX XXXX ), which will be doing a background and credit check to complete my hiring. I am now afraid i will lose this great paying job because of my extremely low FICO score. Without this good paying job and full benefits for my family we will continue to struggle to get off of the streets? Is this something that is legal for them to decrease my score 67 points? When what i thought I was doing, was a responsible act with my creditor? I do not have any missed or late payments on my student loans at all and am in good standings according to Equifax? However i am being penalized because of this situation, which started with a Natural Disaster?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: AL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2021-11-04
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was unable to continue making payments on my Citi Costco Credit Card sue to Covid hardships. I communicated with a few collection agents for some time telling them I was looking for a drastic solution. Finally on a XX/XX/XXXX I spoke with an agent I had spoke with before telling him I had come across a lump some of money from selling assets of mine, that I would be paying the entire balance of the card the following day so that it would be brought back to current and I could utilize it again and revitalize my credit. He told me this would be no issue, that once the payment posted I would be able to use my card, he even reversed a late fee as courtesy and everything was good to go. Once my {$12000.00} XXXX posted on XX/XX/XXXX, my account was immediately closed, no questions asked. This was not only deceiving but manipulative and plain wrong.

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 2018-02-07
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Have not been late on the account since XX/XX/2013 yet XXXX XXXX XXXX is still reporting late payments. Used a credit repair services, which did help in removing many false line items on my credit reports. However, unsuccessful in removing or changing derogatory items from 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 2021-08-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them. 
Attached is my XXXX Filing Search Results Report from the XXXX of XXXX XXXX XXXX XXXX  which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via XXXX with the Secretary of State. 
This is my last warning before I proceed to bringing legal action against 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 2022-08-08
Company: Experian Information Solutions Inc.
State: LA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX  XXXX Balance : {$8500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00}

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 2021-08-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them. 
Attached is my XXXX Filing Search Results Report from the XXXX XXXX XXXX XXXX XXXX XXXX which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via XXXX with the Secretary of State. 
This is my last warning before I proceed to bringing legal action against 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 2018-06-09
Company: Action Collection Service
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Timeline of events :XX/XX/XXXX Pulled credit report, collection listed.XX/XX/XXXX Letter sent to Action Collection Service.

XX/XX/XXXX Letter delivered and signed for.

XX/XX/XXXX No response, pulled credit report, still listed.

XX/XX/XXXXSent 2nd letter to Action Collection Service.

XX/XX/XXXX Letter delivered and signed for.

XX/XX/XXXX No response, pulled credit report, still listed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation