BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-17
Company: Big Picture Loans, LLC
State: SD
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company takes advantage of people through fast talking and minimal disclosures. I signed for this loan unaware of the total cost. The interest rate on the loan is 689 % which is illegal. 

I took out the loan for {$800.00} on XX/XX/XXXX and after {$1300.00} in payments, I called to pay off the loan on XX/XX/XXXX and the amount owed was {$680.00}. They had charged {$1200.00} in interest during 4 months. 

I called to pay off and they initially tried to make me wait 4 days so they could charge more interest, I told them no and to process ASAP to stop the interest. Then they told me that I had to pay with the account on file and if I wanted to change it would take a few more days ( more interest ). I requested a supervisor and then they transferred to me to another dept to make that payment by credit card. 

The rep advised that there may be foreign transaction fees for processing a card to which I advised that was not acceptable. Why do they have foreign transaction fees if their location is in Michigan and they are taking advantage of " Tribal Laws '' to bypass usury laws. 

This company and most of the people were XXXX XXXX - not XXXX XXXX. They are scammers, please help. 

Big Picture Loans is a wholly owned subsidiary of XXXX XXXX XXXX XXXX XXXX XXXX, a wholly owned and operated economic arm and instrumentality of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), a federally recognized Indian tribe, created for the benefit of the Tribe and operating pursuant to Tribal law. Big Picture Loans is a duly licensed Financial Services Licensee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an independent regulatory body of the Tribe, and operates in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regulatory Code, which can be found here : Tribal Consumer Financial Services Regulatory Code.pdf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Bull City Financial Solutions, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received the attached debt collection notice from this company and I do not feel they possess any of the proper documentation to prove that I owe this debt. I have also sent to them the attached letter and I am requesting full documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Pendleton Capital Management
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Last calls received XXXX XX/XX/2019 at XXXX and XXXX. 
( XXXX ) XXXX I had asked on two previous occasions to remove my number from their call list. 
My daughter owes the debt, so the business ( Pendleton Capital ) and I do not  have any business connection. 
They have failed to cease and desist with calling my phone number and it is harassment at this point. I have continually blocked their numbers even after requesting to have my number removed from their database. 
The customer service representatives have a tendency to try to bully me when I've requested removing my number from their listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: EQUIFAX, INC.
State: FL
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been an customer of Coinbase.com for the past year. I wire transferred numerous times back into my bank account. In this most recent one on XXXX XXXX, 2017 at XXXX XXXX the funds of {$1000.00} never entered my bank account. I gave them a week and called Coinbase. They said that it went through, contact your bank. I contacted XXXX XXXX and they told me their wire transfer department does n't see the bank wire on their end, and to get them a federal reference number. I then contacted Coinbase again to ask them for the Federal reference number for my bank wire and they replied, " we have moved your issue to a specialist, and moved to top priority. '' Now a month later i called back for a fourth time regarding the disappearance of my money, and they hung up on me. Their company is so backed up with calls that when you call them it says to call again later. I have also reached out to them via email. I have no idea if they even got to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report. 

Under the FCRA 2009 ( a ) the Credit reporting agencies must cease and desist from reporting these accounts that have been brought to their attention are fraudulent, and were open without the consumers consent. 

I am in talks with my local attorney generals office to assist with this theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO
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: Was not notified of investigation status or results

Complaint:
I recently disputed a couple items on my report since they were reporting inaccurately. I have actually disputed the items a couple of times by sending letters to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. The accounts that are in question were late payments showing on my credit report from where the company reported 4 late payments with my mortgage for 4 consecutive months when the payments were actually made. I recently noticed the late payments on my credit report as I was trying to get a home loan. I'm increasingly frustrated at the lack of a response from not only the company but also the credit bureaus themselves. Please help me to get these late payments removed from my account and to hold the credit bureaus accountable for sending results to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
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 information incorrect

Complaint:
Voluntary surrernder of a manufactured home in XX/XX/XXXX as part of the agreement between my wife, myself and the seller XXXX XXXX XXXX. There was a balance due and paid for the amount of {$1000.00} around XX/XX/XXXX or XX/XX/XXXX. This account was disputed with all three credit reporting agencies and resovled because it was keeping me from the purchase of my new home. Now it is showing again on my Equifax credit profile as a debt of {$1000.00}. This account should n't show on my credit profile at all and if show it should read current and the account should be noted as a voluntary surrender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've been trying to pay this but that company is not willing to negotiate the amount. 

I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Filed a dispute with transunion for XXXX XXXX XXXX and it was deleted from my report on XX/XX/XXXX. XXXX XX/XX/XXXX I received another report from transition and XXXX XXXX was not there. On XX/XX/XXXX I noticed it was reinserted without notification of reinsertion. I sent a request to remove account from my credit report by fax and nothing was done. I called on XX/XX/XXXX and I was only offered to open another dispute for XXXX XXXX XXXX instead of being offered to have the account removed immediately. On XX/XX/XXXX I received another report from transunion with XXXX XXXX XXXX on my report. As of XX/XX/XXXX I have not received notification of reinsertion or deletion of XXXX XXXX XXXX and also have not been provided any timely information as to why it was reinserted which is against my rights as a consumer.

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 2018-09-20
Company: CITIBANK, N.A.
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:
Company : Citi/CBNA Amount Owed : {$290.00} Date Opened : XX/XX/2014 Date Closed : XX/XX/2014 I never opened this card with CITI/CBNA. I disputed this on XXXX XXXX three months ago and still havent heard a 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 2019-05-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, I'm XXXX XXXX. I plan on getting married soon and my beautiful fiance ' pull my credit report. And to my unpleasant surprise, there are accounts/collection/inquiries listed on my reports that i have not a clue about. Please assist me in removing these items from my report as they are results of identity theft. 
Best Regards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29
Company: Experian Information Solutions Inc.
State: OH
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:
Vehicle was repossessed on XX/XX/2018, two weeks after a partial payment was made and applied to the account. There was also a full payment made and pending on the account the same day the vehicle was repossessed. I never received a letter with instructions on how to how to send remaining payment, as required per state law, but the account was brought back current on XX/XX/2018, via the payment method I always use and released the same day after a very lengthy 45 minute call ( which included calling my bank to verify all of the funds submitted were not in the process of being canceled ). 

On XX/XX/2018 and XX/XX/2018, XXXX reported to all of the major credit bureaus that this account was last updated with a payment made on XX/XX/2018, the account status is Involuntary Repossession and they closed the account. The account is in fact current and the due date effective XX/XX/2018 and XX/XX/2018 is XX/XX/2018. Also, I am showing that for the entire term of the loan ALL payments have applied soley to interest only.

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 2019-05-08
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
one main financial per my credit report, account paid -- charged off i need this removed from credit report asap i have picture from credit report the statue if limitations for PA is 4 years, credit report showing removal XX/XX/2020. please have them do early removal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: BAY COUNTRYCONSUMER FINANCE,INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I took out an loan with Bay Country Finance and I don't think that I should be given the loan because I am still making car payments with my car company. I have fell back on my car payments because I am trying to pay off this title which they keep applying interest to and they are not very understanding. They are ripping people off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
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: Public record information inaccurate

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED A BANKRUPTCY ON MY CREDIT FILE WHICH I HAD NEW KNOWLEDGE OFF. THIS ACCOUNT WAS NOT AUTHORIZED BY ME AND I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER. THIS BANKRUPTCY HAS BEEN REPORTING INACCURATELY ON MY CREDIT FILE AND I AM DISTRESSED BECAUSE I HAVE NO IDEA HOW LONG IT HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FILE. I AM REQUESTING IMMEDIATE REMOVAL OF THIS BANKRUPTCY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: EQUIFAX, 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:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED Late account information from my consumer file. Despite my three written requests and complaints, the unverified Late items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these Late accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged late account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of  perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



XXXX XXXX XXXX XXXX/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Ocwen Financial Corporation
State: NC
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:
Reviewed credit report & found several discrepancies. PHH mortgage services, DBA XXXX  XXXX  c/o PHH in North Carolina XXXX Formaly known as Ocwen until XX/XX/XXXX as they had been Banned from DB in NC and multiple other State throughout USA for the same practices that their affiliates seem to use the same template. XXXX Ocwen transferred to another Co PHH, I paid the last payment in XXXX for XX/XX/XXXX. XXXX, never recorded to new debt collector. Company continue to report negative incorrect payments on credit reports,. Disputes with retaliation from Company. Fact Disputed 30 day late fir XX/XX/XXXX, hHave had NO late payments. This resulted in removing the XX/XX/XXXX & marking XX/XX/XXXX as late! This payment for XXXX was posted on XX/XX/XXXX. I can not dispute online anymore and Im fed up with constantly spending time on this and all the fraud this company and all their affiliate bullies continue to practice. I would like for this to be resolved. Thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
American Express Gift Cards charged {$60.00} in inactivity fees on a {$100.00} balance card, received in 2005 and never activated. 

I have some repsonsibility for losing track of the card. XXXX of the balance in fees is excessive. Amex reversed the last $ XXXX monthly fee and reissued a card with a {$40.00} balance. I 'm not satisfied. 

Current Amex Gift Card policy, prominently displayed on the website, is " No inactivity fees or other fees after purchase '' and " Funds do not expire '' [ 1 ]. 

There was even a class action [ 2 ] settlement. All action dates have passed. I did n't find out about it until after I discovered the card and reduced balance. 

We have XXXX of these cards. Only XXXX has been addressed with Amex. I respectfully request the complaint cover both. 

[ 1 ] XXXX [ 2 ] XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have an American Express Delta Platinum credit card, of which one of the advertised benefit is XXXX bonus Medallion ( Elite ) Qualifying Miles after {$25000.00} of eligible spend is applied to the card. I believe that I reached this threshold bonus in Calendar Year XX/XX/2016, but my bonus Miles never posted to my XXXX account. I contacted American Express about the problem back in XX/XX/XXXX and they opened an investigation which they informed me this evening had been closed with a ruling against me. 

I was informed that the research department had determined that I had spent {$XXXX}. ( Other representatives told me that I had spent {$XXXX}, meaning that there is n't even a consensus within the company of how the " eligible '' spend is calculated. ) Most importantly, American Express includes a feature called a " Year End Summary '' that is featured prominently in the online account portion of their website and shows all charges and categories of those charges made for the previous calendar year. My Year End Summary shows that I made charges totaling {$XXXX} in XX/XX/2016. If that number is calculated differently than the number for the threshold bonus, that is incredibly misleading. 

If one or more of my transactions did not meet one of Amex 's apparently multiple definitions of " eligible '' I could have easily completed additional spend, if I had been aware of the issue and had n't been misled to believe that I had already met the threshold until it was too late. I believe that Amex purposely misleads consumers into thinking they 've spent more than they have in order to avoid paying out such threshold bonuses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ladies/Gentlemen : We contacted XXXX from Wells Fargo Customer Service on XX/XX/XXXX, regarding the Wells Fargo Settlement . 

As a result, we are sending this letter to file a claim for our mortgage. 
Starting in XXXX, we consistently tried to obtain a loan modification on our house. We were asked to provide information at one office. We provided this information, then a few days or weeks later, we were asked to provide information to another Wells Fargo office. 
We spent hours on the phone trying to get the loan modified. 
On multiple occasions, we were told that we were very close to completing our loan modification, only to find out later that they couldnt find our paperwork or we had to provide more information. 

Almost a year into the process we tried to get our loan modified by using the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This situation continue to occur until our home was foreclosed.

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