BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-17
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
First I did try to work with them on a pay plan got overwhelmed with it. They would start calling from XXXX XXXX - XXXX XXXX every day. They try to involve my family who 's numbers I never gave. My phone number can show they will call example XXXX, XXXX, XXXX so on. I have only so many people who can call and I have included my doctors, some family 's because I had to set the phone up to stop this people from getting thru. Help me please I need my phone back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2019 I applied for a loan in the amount of {$1200.00}. I did not realize the interest amount would be so high. I'm paying 773.26 % interest. The amount is {$340.00} every pay period and can't manage it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I want to share with you my experience with Capital One credit card bank. I did make reservations with XXXX for two places. One in XXXX and one There was blood on the Unfortunately, we arrived at the hotel and to our surprise, it is nothing like the picture. they were three ( 3 ) single bed with no sheets. The Bedbugs were everywhere on the beds that we could see them with bare eye even at XXXX XXXX  without any accurate lighting. 
It was blood on the bathroom floor too. 
The walls were covered with stain. The room had such a bad we couldn't even stay for 10 minutes. it was very unbearable. We did ask for another room but, we were told thats all they can provide us. 
How do you expect us to go to the bathroom when there is blood all over the floor? That is not sanitary, or hygienic? We were charged over {$100.00} a night for such unclean, filthy place when they advertise for such nice clean room? Please see what picture they send us. This was nothing absolutely nothing like what was giving to us at the hotel. Therefore, we called XXXX the same night and they advise us to leave and dispute the charges with our bank. Which we did. 
Why we didn't say anything about our place in XXXX? Because the room was sanitary, hygienic and it was acceptable. No question or no argument about that but the place in XXXX was EXTREMELY unsanitary, unhygienic and filthy which I cant believe XXXX advertise for such places. 
I have pictures as an attachment for your review. 
My issue with the Capital One is, we did call the Capital One right than from XXXX and I told them what happened. Capital One advised us to take a picture of the room and go somewhere else and that is exactly what we did. They must have a record of our call from XXXX. 
We dispute the charges in XXXX XXXX, XXXX. Capital One response back to us in XX/XX/XXXX that because our room was none refundable there is nothing they can do. I provide them the letter and the pictures that I took. Next thing I know I was told I must pay the {$330.00} and found some official company to verify those pictures are from that room. 
My questions to Capital One are why now? How am I going to do that? where am I going to get some official company to verify those pictures? why would I mislead anyone in the first place? Why I didn't dispute the charges for my place in XXXX? Why would I go through all this headache for what? look at my history or my score what type of person you think I am. What Capital One is doing manipulating their customer is just unprofessional and unacceptable. Please do something about this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed and was discharged on a Chapter XXXX bankruptcy case. A company who was included in the bankruptcy and was discharged continues to erroneously report the account as being open. Equifax is the only bureau it is reporting to. I have tried numerous times to file a dispute with Equifax but they make it impossible to communicate. The online " tool '' tells me to call a number and the number is impossible to get a live person. I get " confirmations '' that it has been resolved/completed, yet it still shows up on my report. At this point, I would like for it to be removed altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This on responds of a previous complaint to credit reporting agencies, who has refused to block information place on my credit file, I have filed an FTC complaint, and i'm sending my ID, SS, and a utility bill probing my identity and ones more requesting the block of items that do not belong to me. 
I hope these are sufficient proof to place a block, let me know if you need anything else. 

Thank you.

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 2019-06-28
Company: Nevada Credico, Inc.
State: NV
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:
Quantum Collection Agency is reporting a incorrect balance on my credit report of XXXX from XXXX XXXX XXXX. In XX/XX/XXXX I got custody of my XXXX grandsons who lived in Alabama because their mother was in stage XXXX XXXX fighting for her life. I had to fly to Alabama and get my grandsons and bring them back to XXXX XXXX with me. Within 3 weeks my grandsons mother passed away. I had to fly back to alabama and take them to her funeral services. I advised XXXX the property manager of what was going on. I told her I would be late with my rent and will she work with me on my rent she said yes. I got a eviction notice on XX/XX/XXXX. I didn't have the money for my rent and I told her I wouldn't have it until the XX/XX/XXXX. because of what was going on with my grandkids put me in a financial hardship. I agree I do owe XXXX XXXX XXXX 1 month rent and for carpet cleaning, and for two small drills in the wall where I hung my tv. I do not owe them XXXX I am disputing that amount for the following reasons. 
1. I asked the resident manager XXXX due to the untimely passing of my grandkids mother if I had to break my lease will they not hold me responsible for the remainng months on my lease and she said no. 
2. when I moved into the unit the carpet was worn but clean, this was not new carpet. 
3.i paid a XXXX in administrative fees and depoisits to move in if not XXXX it was close to it or more I need to find my lease. 

4. I am disputing the validity of this debt totally incorrect on the numbers with my depoisit I calculate around XXXX is what I owe I was not evicted I move to a shelter with my grandkids. this amount is inaccurate. please remove or either accept the XXXX I am willing to pay in 3 installments.

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 2020-11-10
Company: CBC Companies, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX put that i'm late but i dont owe any money how can i be late Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusClosed. 
Status UpdatedXX/XX/XXXX Balance {$0.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$1.00} Credit Limit {$1400.00} Highest Balance {$1400.00} TermsNA Payment Historyshow tooltip button

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I 'm filing a complaint against XXXX for predatory lending practices. I was approved for a loan to finance the remaining amount due for a lease buyout. Then I get a message saying they ca n't get me the loan because I no longer reside in the state in which the car is housed, registered and driven ( by my mother ). That fact is fine, but why run my credit and go through the whole process that took 3 weeks if you knew that it was n't going to work? Why tell me that I was approved? Negligence and incompetence. 

Then I was told that I needed my mother to be on the loan application. Fine. I told them that my mother does n't speak English well. They called her and completed the application. Then I find out from her we were approved and that I have to sign papers. What the XXXX is going on? I 'm the primary borrower and NO ONE spoke to me about the different loan options. NO ONE talked to me about terms. And they " finalize '' a loan with the secondary borrower that does n't speak English well, is XXXX and does n't understand credit. I work in XXXX. This is unacceptable and CRIMINAL. 

The person below is who responded to my first complaint and is responsible for setting this new process in motion. 

XXXX XXXX Floor Supervisor XXXX, powered by Ally O : XXXX F : XXXX XXXXXXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Due to Covid19 thus loss of income I took advantage of the Forbearance Mortgage Assistance Program ( Partial Claim ). I began making normal payments in XX/XX/2020 monthly as agreed upon with Wells Fargo mortgage company. I was not aware or told by Wells Fargo what the precess would be to bring the payment process back to the way it was before the F.M.P.A.P was in place. I pursued the refinancing of my loan to a lower percentage saving over {$200.00} per month but when approval and closing was ready Wells Fargo reported a lean from HUD on the loan and the payments I have been making were on hold and not credited to the account which show the monthly payment as not being made. This plus the lien is causing my refy to be placed on hold with an extention cost to me. Wells Fargo can not tell me when this will be completed, nor what is going to happen to the money I have been paying month to month since requesting in writing I be taken out of the program and return to normal monthly payments. Most of all the indication of a lien is holding my closing from happening. No one I have talked with at Wells Fargo can tell be how this can be resolve immediately.

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 2017-11-17
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: Account status incorrect

Complaint:
the account was opened on XX/XX/XXXX. the acciunt was closed out XX/XX/XXXX. this account had been reported 4 seperate times on my credit report which is affecting my debt to uncome ratio. this negative information is also affecting me from obraing any new credit. the amounts are showing differently on all three reports. thr company sent me a letter showing paid. at the oint i just want the 4 inaccurate accounts removed since they are paid in full. ivr asked the company to fix this issue but they advised me to dispute with thr bureaus. please help me. i dont think that they can legally keep falsely reporting inaccurate info.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: CT
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-11-08
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX  is reporting a {$4600.00} balance charged off on my XXXX Consumer Report also it's not showing that I only had a credit limit of {$1500.00} on this Consumer Report it's showing my credit limit was {$1500.00} but the balance due is {$4600.00} Account is Charged Off but I still have late payments being added to my Consumer Report I was sent a 1099c for this debt of {$1500.00} why is this account still being reported on my Consumer Report? 

XXXX  XXXX XXXX is reporting a {$2100.00} Balance that was charged off but I still have late payments being reported to my Consumer Report. I received a 1099c for this account. 

XXXX XXXX is reporting a charge off on my Consumer Report I am still getting late payment when I received a 1099c for this account. 

XXXX XXXX is reporting a charge off for ACCT XXXX I received a 1099c also they are still reporting late payments. 

XXXX XXXX is reporting a charge off for Acct # XXXX this acct was paid in full.

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 2020-11-10
Company: EQUIFAX, INC.
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: Information belongs to someone else

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

DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2019 I tried to make a mobile check deposit thru the Wells Fargo mobile app. The app ask you to enter the amount of check. When the amount was not verified on the system ' error amounts do not match ''. There was no way to enter or override and say the amount I entered is CORRECT. After several attempts with this and not being able to read my check, I drove to bank to use the atm. During the drive almost hitting two deer to get to the branch so I may go to work, the atm does read my check correctly. The check amount was for XXXX and it picked up XXXX. There is no way to manually correct that! I finally decided to hit accept and let the XXXX go in, as I did not want a returned payment that was coming out.

I called up Wells Faro and now there automated system could not recognize my voice and gave me a hard time. Almost an hour after I just wanted to make a check deposit, I finally get to speak with someone to file a complaint. The Rep XXXX  was more or less useless! I appreciated he at least apologized, yet I know that was the end of it as far as Wells Fargo is concerned.

I have been banking with Wells Faro for years. I've had a mortgage with them at one point, checking, savings, credit card, line of credit, IRA with them. With the lack of courtesy and convenience that is advertised on their products and web sites. I told the rep, I would be looking into closing all my accounts and there was no care.

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 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old XXXX XXXX account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as XXXX XXXX. I hereby post all XXXX XXXX accounts from a Trans Union credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXX   XXXX and XXXX XXXX XXXX XXXX XXXX ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with XXXX XXXX. Yet I believe that XXXX XXXX obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from XXXX XXXX. It is difficult to believe that a publicly traded company such as XXXX XXXX would be dumb enough to sell the same debt twice. Accordingly, I claim identity theft by XXXX XXXX from either XXXX XXXX XXXX or from XXXX XXXX directly. I paid my XXXX XXXX account directly with XXXX XXXX XXXX. My disputes with XXXX XXXX went nowhere, where this fraudulent company stated to the bureaus that the XXXX XXXX debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, XXXX   and Trans Union collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from XXXX XXXX, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. 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 2017-09-13
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I 'm trying to dispute a name listed that I never went by ( XXXX XXXX XXXX XXXX XXXX, but there website wo n't let me submit the dispute and they have an excessive hold time on the phone.

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 2019-05-17
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a purchase loan on XX/XX/19. It took days to get assigned a loan officer, who has been very unresponsive. It took 10bdays to get the preapproval for my loan, come to find out on XX/XX/19 they will not accept dividend income, which lowers my income by {$1000.00} per month. She indicated that if I could not prove dividend income for the past 2 years that we would not be able to move forward with the loan. She did not even provide other options or solutions based on the fact that I meet the federal housing authorities guidelines. 

My income per month is {$6400.00} Which I have already provided all of the verification documents for. My monthly expenses are XXXX XXXX student loans {$810.00} Dept of Ed student loans {$280.00} Auto loans {$300.00} &  {$220.00} Credit card payment ( penfed ) {$280.00} TOTAL = {$1800.00} DTI = 29 % I have significant reserves {$60000.00} that can be used if nessessary to gets my DTI in-line to what they would prefer but anticipate it to be under 25 % on the front end and under 50 % on the back end. As it is currently structured my front end DTI would be 17 % and my back end DTI would be 46 %

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: ID Analytics, Inc.
State: NJ
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:
My credit was used without my permission. This was fraud committed by XXXX XXXX  XXXX XXXX XXXX XXXX. I did not purchase a car from this car dealership. The dat was XX/XX/2019. The reference number is XXXX. The loan company is 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