BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
About {$800.00} was charged on this card. I paid it down last year so I can buy house.. my identity and phone was stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: Social Finance, Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
SoFi advertised new lower student loan refinancing rates after going public, and encouraged me to check my rate ( by offering me SoFi points to check my rate and apply ). Additionally, SoFi advertised via chat and their website that they had a rate match guarantee and would also give {$100.00} along with a rate match. My existing rate was lower than what SoFi showed me after I submitted my information. I asked via chat how to take advantage of the rate match guarantee. I was advised to email my proof of lower rate to SoFi 's customer service. I did so immediately, sending over my last student loan statement and loan approval letter from a couple months ago with my current lender. Two days later I had no response from SoFi, so I contacted customer service via chat. The representative confirmed the documentation I sent over and said all that was remaining was completing my application, which included a hard credit pull. I completed the application, and once SoFi approved it at their initial advertised rate, I returned to chat to have my current lower rate applied per the match guarantee. The new representative said that SoFi would not match existing loans, and that I needed a current rate offer from a competitor. This was different than what had been stated earlier the same day by a different representative. Based on the earlier communication, I only agreed to allow SoFi to hard pull my credit and submit my application under the understanding that SoFi would match my lower rate based on the documentation I submitted.

As of now, I have a ding on my credit and SoFi has changed their stance on what they told me re the match guarantee and promotional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
i have made numerous ( over 50 ) attempts to contact Comerica Bank who runs the Direct Express CARD FOR DEPOSIT OF GOVERNMENT FUNDS to get a replacement card for the one i lost. I REPORTED IT LOST THE LAST WEEK OF XXXX, 2021 THROUGH AN AUTOMATED SYSTEM WHICH CARD I REQUESTED BE SENT VIA EXPEDITED MAIL. ONLY TO FIND OUT BY AUTOMATED VOICE THAT IT SAYS IT WAS MAILED WHICH THEY SAID TAKES 10 DAYS. I PAID FOR AN EXPIEDITED CARD. THERE ARE HUNDREDS OF COMPLAINTS ABOUT DIRECT EXPRESS. YOU CAN NEVER SPEAK TO A LIVE PERSON. I HAVE NO IDEA WHAT HAPPENED TO MY BALANCE WHEN I REPORTED IT LOST. I AM ALSO DUE FOR MY BENEFITS ON XX/XX/XXXX AND NO CARD TO PAY BILLS. I AM AFRAID MY CAR WILL BE REPOSSED AND I WILL BE OUT ON THE STREET. I AM ON XXXX AND HOPE YOU CAN HELP ME.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed false information on my credit report and would like them removed because it is affecting my life traumatically! I did not authorize nor consent any of these false actions affecting my 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 2019-05-01
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Due to losing my job I was unable to make payments on time, however I always contacted the company to set up a payment arrangement. Last month they took the car and I called and made a payment arrangement of {$250.00} on XX/XX/XXXX and {$430.00} on XX/XX/XXXX. On XX/XX/XXXX I called to make the payment on to find out where I could go to retrieve the car. This is when I was told the car was sold on XX/XX/XXXX, they said they were gon na try to find out why it was sold. On the XXXX they said nothing could be done because they sold it at an auction, that they were sorry because it was a mistake on their side and that we were gon na get the {$250.00} back from the first payment. We've been paying the car since XX/XX/2017, with really high interest. A car that was worth {$14000.00}, was financed for {$31000.00} and was sold for {$11000.00}.

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 monetary relief
Consumer complaint received 2020-11-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Offending company : ACE XXXX XXXX XXXX, also known as ACS. The latest correspondence is dated : XX/XX/2020 @ XXXX. I've repeatedly asked ACE ( 10 plus times ) not to contact me further with regard to this matter. They've not honored my request and violate Debt Collection law by continuing to contact me. Addionally, you will see in the email correspondence attached to this email, where they threatened me in several ways, which I'll list as follows : Threatened to sue me if I didn't pay {$3400.00} and court restitution in the amount of {$980.00}. Additionally, here are the charges they'll file against me at the local County Courthouse : 1. Violation of Federal Banking Regulation 2. Collateral Check Fraud 3. Theft by deception Also, they've threatened to contact my payroll administrator ( which I don't have ) to tell them what I've done in the past. In their threats they give me only 48 hours to pay, otherwise, legal action will commence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: EQUIFAX, 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:
I sent dispute letters via mail in online to Equifax XXXX and XXXX, each of them the sent me results with in five days saying investigation is complete but I do n't understand how you can complete a ingestion with in 5 days. I was apart of the Equifax data breach in it is a lot of stuff on my credit report that does n't belong to me. in the following is as listed XXXX XXXX 's XXXX XXXX XXXX XXXX and also XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The company calls my parents about my debt and they are not involved at all in this situation. I do not live with my parents and they should not be calling my parents at all about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I had my mail stolen/lost. I am XXXX years old. Upon my son helping me check my report online, I found that someone has applied for credit without my authorization at several companies. I have attempted to contact the companies directly and have reached out to all 3 of the reporting agencies. I sent in my police report that I filed with the police department along with a letter that explained what has happened and what companies pulled my credit without authorization.

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 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I been trying to fix this problem with TranUnion for over three months XXXX deleted the inquires and XXXX I don't know what the issues is with TransUnion XXXX even said they was going to contact the companies to let them know about the issues so that they can deleted the one 's on their end but TransUnion refuse to I have reached out to the creditor I have had not luck some of the inquires are from 2017 I just don't think it fair they should remain on my report and they are not mine nor did I authorize 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 explanation
Consumer complaint received 2018-03-19
Company: CURO Intermediate Holdings
State: CA
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:
I applied for a loan through a specific online source. The site led me to many others that implied that I had not imputed the adequate information and that they'd need it once more. i was later informed that my credit was deeply damaged because different sources had run a hard credit check without my knowledge. I had only knowingly applied to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions 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:
On XX/XX/XXXX Ive reached out to Experian about a dispute against an item on my credit report from XXXX consumer. I have shown legitimate proof of several inaccuracies and the sales contract as well from XXXX consumer in which they attempted to validate the debt that was inaccurate based on the evidence that they provided as highlighted in my provided documents. I have also provided a 30 days to comply letter on XX/XX/XXXX in which I provided additional evidence confirming the inaccuracies in their allegation of debt listed on my credit report. There were more than three different balance due amounts. there were incorrect and false information regarding my address and contact information as well as the creditors address and contact information. They stated that I traded in a vehicle that shows on my credit report that I paid off two years after the sales contract date that states that I have traded in a vehicle their sales contract also shows incorrect amount stating that there was an amount credited towards the balance from the trade-in which never happened as you can see on my credit report which states that I paid off the supposedly traded vehicle 2 years after the contract date from XXXX XXXX XXXX This debt that shows on my credit is a complete fiasco and must be removed due to inaccuracies as stated in the FCRA law. This should not have not taken longer than 30 days and i should not have to file a complaint with the CFPB as well as FTC for Experian not doing their jobs properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management is a scam business based in another country - not in XXXX like they advertise. They are reporting a debt from XXXX XXXX XXXX XXXX  for {$1300.00} and its ruining my credit. I havent been a customer of XXXX XXXX XXXX in almost 20 years. I tried working with them but they always say theyre transferring you to another department but the call never reaches the correct department. The representative always says that there is no one available to take your call. He/she says this every time. The debit is invalid and not mine but they just keep reporting it. Their sister company, XXXX XXXX XXXX, does the same thing except with XXXX XXXX. All of the reviews are horrendous and talk about how both companies frequently scam consumers using cellphone company debts. Please stop this. They are really doing harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a XXXX XXXX account of any kind. XXXX XXXX is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent. XXXX XXXX does not have my consent to report any of my private information with any person or any company. XXXX XXXX may only communicate with me in writing..

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 2020-07-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX2020 I XXXX  my home and my Wells Fargo mortgage account was closed. I recently ran my credit report and discovered Wells Fargo reported I had a late mortgage payment in XXXX and XXXX of 2020. Wells Fargo changed the amount of my impounds for my mortgage payment in XXXX of 2020. I have my bank automatically pay Wells Fargo every month as I have had for years and made my scheduled payments in XXXX and XXXX of 2020. I discovered the problem in XXXX with Wells Fargo customer service and rectified the payments. Wells Fargo did not inform me they reported my payments as late for XXXX and XXXX. I contacted Wells Fargo customer service on XX/XX/XXXX20 and was told if my loan was still active they would remove their inaccurate report of late payments, but because my account is now closed they could not. I have never made one late payment to Wells Fargo or to any lender. I do not believe Wells Fargo should not resolve the inaccurate reporting just because my loan is now closed. I respectfully request Wells Fargo notify the credit agencies of the mistake and have it removed from my credit report.

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 2019-09-20
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In 2007 I had a Home Depot credit card. I have an excellent credit rating and have always paid my bills on time. I had an unpleasant incident at the Home Depot store in XXXX XXXX, Florida where I was met with hostility from the customer services reps. I stormed out of the store and requested to have my credit card CANCELLED. I called them to arrange payments and to request that my monthly bills be sent to me so that I could satisfy my debt. NOTHING WAS EVER SENT TO ME. A few months later, I inquired WHY I wasn't receiving monthly statements, and THEY SAID THAT THEY COULD NOT HELP ME ; AND THAT MY ACCOUNT HAD BEEN SENT TO " COLLECTIONS ''. Not once, did they offer to assist me. Needless to say, I NEVER received any collection letters and the account went DORMANT for many years. I am in my late XXXX now and I received a call from a woman stating that " I owed {$960.00} ''! I told her that I wasn't going to pay a penny until I receive the original billing statement from Home Depot, stating what I owe. I am sure that over the years, they have added increasing fees and interest, without my knowledge. I believe that an account over 7 years should have been deleted from my credit report. However, despite this fact, this account remains outstanding and I am now harassed by debt collectors. I await your response.

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 2018-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018, I was applying for a mortgage loan. When I pulled my credit report I saw there was an error reported by Capital One credit card. Capital One reported a " Late Payment '' on all three major credit reporting agencies that cause my scores to drop more than 100 points from XXXX down to XXXX. 
I contacted Capital One consumer department to find out what happened with the error in reporting. I spoke with a customer representative name XXXX. 
XXXX told me that the late payment was reported due to the fact that they billed me for annual membership fee. However, Capital One admitted that they never notify me nor send out any statement billing to allow me to pay for that fee. 
I paid for the fee ( payment confirmation # XXXX ) to keep my account status open. In addition, I complaint to XXXX about the reporting errors with the credit reporting agencies. XXXX went on to apologize for that error and told me that he went ahead and sent an update to the 3 major credit reporting agencies to " remove '' the late payment status. 
However, I just recently order a new credit report to find out if the errors have been remove but those errors are still reporting as 30 days late. I have a recording of our conversation with XXXX from Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: Greene & Cooper Collections LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX [ Fraud Department I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that [ XXXX XXXX XXXX XXXX ] absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Unauthorized Credit Inquiry I received a copy of my credit report today and discovered a hard inquiry from your company. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus.

Company response to consumer: Closed with explanation