BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: MA
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: Other problem getting your report or credit score

Complaint:
Equifax has failed to report two credit card accounts, XXXX XXXX and XXXX. When I log into myEquifax online, these accounts are non existent thus no credit score is showing. When I speak with Equifax they claim they are showing the accounts on their side and when they send me a copy of my credit report, the accounts are showing. My credit report via online should be showing these accounts as well as my credit score. I also can not see my Equifax credit report thru XXXX  's online credit reporting service as well as XXXX XXXX 's online credit report service. To date, I do not know my Equifax credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear sir madam, I paid two payments by mistake in XXXX on my mortgage with Loancare servicing, I have reached out to them many times requesting return of the extra payment they have continued to ignore my request. After two weeks of constant calling they requested I send them bank proof after doing that they told everyone the refund would be sent out on the XXXX of XXXX. In XXXX a payment for {$2300.00} and {$2400.00} this has really created a great hardship on my family and it appears to be of no real concern of anyone at Loancare I will seek a Civil Litigation Attorney this week if I dont get a response. My phone number is ( 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 2017-11-29
Company: NAVY FEDERAL CREDIT UNION
State: MD
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:
Sir I was given a credit card with a {$15000.00} limit while I was making {$19000.00} a year. 
I attempted to pay the monthly payment even with my parents help. When I just could n't pay it. They lowered my limit. And then without notice cancelled my card. I was doing my best. 
It was just too much! As if they set me up to fail. And they would take every penny that I put in my account savings and checking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions 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:
SOMEONE STOLE MY PHOTO ID AND USE MY SOCIAL SECURITY NUMBER AND OPEN SEVERAL ACCOUNT, LEASES, LOANS AND CREDIT CARDS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-07-24
Company: Torres Credit Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I just recieved a letter saying I owe XXXX $ for XXXX XXXX  XXXX XXXX when i already paid my last bill which was 8.50 $ or something around there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a loan for a purchase with Affirm and paid the loan in full. The loan was actually for an amount much higher than the purchase amount and Affirm refused to address the error. After the loan was paid, I received notice from a debt collector attempting to collect the debt. After sending them proof of completed payment, they stopped all collection attempts, however, shortly thereafter, Affirm, without any notice to me, reported the debt to my credit report and have since not been responsive. There is no public phone number to get in touch with anyone there and attempts to contact them through email only results in a generic pre-written response. I have attempted to dispute the debt with the credit reporting bureau and they refused to remove it. I have proof of the incorrect loan amount and completed payments, yet the company and reporting agencies refuse to do anything and instead, my credit has been greatly impacted negatively by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Experian Information Solutions 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-20
Company: Experian Information Solutions Inc.
State: SD
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:
After reporting a problem with Experian, Experian launched in " investigation, '' but ended up opening up a dispute with an unrelated account, which showed on my credit report. At first I was unsure what this was about, but when the results of this " investigation '' came back, it said it was a " reinvestigation '' despite me never having disputed this account, ever. The original dispute was not investigated, and remains inaccurate. Experian responded with boilerplate language, but did not actually fix the problem, despite being provided with receipts of payment, which they asked for. It's clear they don't actually even look at evidence they ask for, they just take the word of the creditor, and when a consumer complains, they retaliate.

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 2019-04-23
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reported to XXXX, XXXX  and Equifax fraudulent information in my social security number. Equifax does not want to remove fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Around XX/XX/2017 my girlfriend started a student loan application with Discover, I offered to be a co-signer. On their website they show XXXX XXXX XXXX XXXX as an elegible college that they offer their services too, so we decided to go through with it cause that's where she wants to study. After Discover inquires our credit and approves a loan, we negotiate the repayment process and interest rate, and they proceed with the certification request to the school, only to be turned down cause according to the financial aid department at the school they only accept federal loans or scholarships, not bank loans. 

I procceed to talk to XXXX different supervisors from Discover about this discrepancy and they could only escalate it to corporate, and told me to wait about 40 days for a resolution, I call today well over the timeframe to hear that Discover XXXX cancelled my request for removal of both credit inquiries basing themselves on that the school does meet the requirements to be on their website, I told the last supervisor that the information is very misleading cause why offer a product on a college that does not even accept it, even after providing sensitive information. As soon as they denied my request I called one of the credit bureaus, and they can only remove it if the bank sends a letter to them stating that it was a mistake in which they didn't, then the agent gave me the contact information for CFPB, XXXX answered and provided me with this method of submitting a complaint. 

Hopefully I can get those credit inquiries removed and they can remove that misleading information from their website, saving future consumers a headache.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
So to start off the mortgage is in my mother 's name Wich she passed away in XXXX and they know this I had trouble in XXXX with my the mortgage and they helped me no problem then in XXXX I had problems again we'll this time they didn't help as easy as the first time they wanted us to submit a bunch of paper work Wich we complied with and then they would talk to us now that I have lost my job and got behind again now the paper work we did last time isn't good enough they want other stuff that can't happen right away and they waited months to tell me this they didn't tell me this back in XX/XX/XXXX when I sent the first set of mortgage assistance paper work in they just ignored everything and never told me if it was accepted or not so finally I reached out to other places that could help me and they have called twice and chase won't even talk to them so now the place won't help me because of that so I ended up sending another set of mortgage assistance paper work in on XX/XX/XXXX and that when they finally tell me that they need other paper work that impossible for me to get right away and they know it so they finally talk to me after they send out forclouser notice so what they are doing is they know there's alot of equity in the house now and they played games so they could steel it from me and make more money off of it and the probally don't even own the mortgage on the place they probally have it somewhere else but will buy it back for cheap when they steal it from me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: National Credit Systems,Inc.
State: NJ
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:
I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Experian Information Solutions 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:
XXXX XXXX XXXX sent me an email stating that they are no longer serving my account when I called to settle. XXXX XXXX is the person that emailed me. His email is XXXX. Please see the attached letter as confirmation that XXXX XXXX XXXX no longer has this account.

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 2018-07-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I had been helping my spouse out and paying my rent and bills and one day I went to go take care of a bill and a agent at XXXX  told me I thought you were blocked from sending money a long time ago and she proceeded to send my transaction for my bill and I went home and had my receiver try to get there money it said it was available but when they went to receive it 2 days later I had to call them and they refunded my money in the meantime I called XXXX  and asked a manager why would she say that she said call in the morning when all the money center representatives and managers are available so I went up there the next morning and got a manager and she asked her to tell me why she said that and she said we had several rumors going on so we called MoneyGram and had your name blocked from sending or receiving money I asked them to fix it they got a attitude with me and told me to call up there and fix it I lost a lot of money behind them playing games with my name MoneyGram advised me my name is just blocked forever behind what they did I would really like them to fix this issue I also filled a complaint with there company at XXXX XXXX  complaint number XXXX that I filled in XX/XX/2017 when they told me how they slandered me and my receivers name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: PNC Bank N.A.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
PNC Bank. They add ghost fees and make it extremely difficult to use, " your own money. '' Now on top of the fee that they take out of my account, to use my money for their own investments, I have to go through all sorts of loops to be able to invest myself. 

They have no problem putting fees on time-sensitive services, such as ; to have a check available immediately through mobile deposit, you can pay a ridiculous amount. Or you are stuck waiting 2-3 days to have accessible funds. Keep in mind, I have been with this bank for over 12 years. 

Why else do you think crypto or decentralized money is so popular among young people? We are tired of being taken advantage of and having no other options. Now, we are seeing more options - but still have many issues with directly investing. Big banks better find some compassion, fast. Or you will get left behind by our generation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The invoice was paid to the billing department at the medical facility on time. This is not a debit and there is no reason the debit collector should be contacting me. I sent a Certified letter to the collector with a copy of the invoice and a dated payment conformation. A cease and desist was included in the letter, the letter was sent on XX/XX/XXXX, on XX/XX/XXXX Universal Collection Systems contacted me via phone using an automated system violating the cease and desist demand. I now consider this harassment and will press charges upon a second violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Santander Consumer USA Holdings Inc.
State: IA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To Whom It May Concern, I was sold a used XXXX XXXX vehicle by the XXXX XXXX dealership of XXXX XXXX, California in XXXX. I was fitted into a loan promoted by the dealership itself known as Santander Consumer USA. The vehicle was sold to me under false pretenses, as the car was in poor condition and had mileage that was falsely reported in the original paperwork for the purchase of the car. 
The odometer had illegally been tampered with and as a result, the reading was inaccurate. I attempted to contact the dealership and the loan department to no avail. I then proceeded to contact Santander Consumer USA in an attempt to remedy the situation and return the vehicle, allowing for the lease to be considered null and void. 
Santander Consumer USA proceeded to voluntarily threaten my credit by posting a charge-off to my account when I voluntarily turned-in the car in XXXX XXXX, New Mexico in XXXX. The Vehicle was serviced repeatedly, costing thousands of dollars, at many XXXX XXXX dealerships throughout the Western United States. 
I have attempted numerous times to settle the debt with Santander Consumer USA, to be told that unless the lease terms were met in full financially, they would not reverse the charge-off status on my credit reports. The vehicle was sold again at auction and I have been left with a very damaging mark on my Credit Reports and have been repeatedly denied credit over this  allegation Is there any assistance you can offer me on this matter? 
Most sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I was a victim of fraud. Unfortunately, it was my boyfriend. He emptied my savings of {$10000.00}. He wrote me a few checks for a very small amount to begin to pay me back. Wells Fargo held the checks for a minimum of three days to ensure that they would clear the XXXX XXXX  Account. 
After that he disappeared. What I dont understand is this. I had a credit card with a credit limit of {$4100.00}. I only had used {$2100.00} Of the credit. The following month I had a balance of {$11000.00}. I was livid. I have fought and disputed this with Wells Fargo since XXXX to no avail, the credit bureaus and discussed with lawyers that I can not afford. I finally convinced Wells Fargo to remove part of the bogus charges. They brought the balance down to a little over 7k. I began to pay it down and then let my anger get the best of me. This company is crooked. I refused to pay! {$6700.00} is my current balance. The account has been charged off 19 times. How does that happen? Also, {$6700.00} is well over my limit of {$4100.00}. Remember, - my original balance was {$2100.00}. With my latest dispute they reported a late payment of XX/XX/XXXX and removed the max debt of $ 11k+. How crooked! How is that possible? The last late payment reported was XXXX XXXX and the last charge off date was XXXX XXXX. This is truly damaging my credit score. Please help me if you can! Kindest Regards, 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 2021-09-12
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Issue # 1 : My replacement card was lost in the mail. I wasn't notified that a replacement card was on the way. I called on XX/XX/XXXX asking when my replacement card was sent and I was told it was sent on XX/XX/XXXX. I said I never received it and I was told a replacement card was sent. I asked if there was some kind of tracking information that could be provided, I was told there was none, only to look out for the card in 7-10 business days. Given the security risk that the first card was already lost and that my card was expiring, the new replacement card should have been sent through courier or at least priority mail so a tracking number could have been provided. Also, given that my previous card can no longer be used since Synchrony closed the card, an expedited shipping should have been provided.

Issue # 2 : My provider ( XXXX  ) used the wrong type of preferred payment, one where there is a lower interest rate but no period of repayment. There was a misunderstanding in the set up of the loan because my provider does not allow people inside their premises due to covid. I asked if there was a way to change my preferred payment option. I wanted a deferred payment plan with no interest and a fixed amount of time to pay. I was told I had to go back to my provider. It is my understanding that the credit card company fronts the payment to the provider and the repayment is between the credit card company and myself. So I don't understand why the terms of payment can not be changed with the credit card company. Is there a way this can be done?

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 2021-05-08
Company: Certegy Holdings, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2021 I made a purchase at my local XXXX XXXX XXXX for {$21.00}. I had forgotten my debit card so I wrote a check from an account I have had for almost 20 years. My check was not authorized by Certegy. I attempted to contact Certegy to find out what was the issue was as I have never had anything like this happen in my life. It is all automated and you can not talk to a customer service rep. I had to order a copy of my consumer file disclosure report which I received by mail. There is nothing on the report that says why my check was declined other then it just did not meet Certegy 's guidelines. There is no reason I should not be able to write a check at a store if I chose too. I have maintained a checking since I was XXXX XXXX XXXX and I now XXXX at the same financial institution. As stated the check that was drawn from a checking account at another financial institution for almost 20 years. I have attached the generic explanation I was given in the Consumer File Disclosure 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