BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XX/XX/2018 I called TransUnion refused to investigate the inquiries put on my credit report and a couple of days before that I had the same problem with XXXX they refused to investigate the inquiries that were placed on my credit

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 2019-03-11
Company: Glass Mountain Capital, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX-XX/XX/XXXX, they call at least 4 times a week using a spoofed number and I've confirmed from them multiple times that they have 1 office in upper Illinois and they keep calling me from a Southern Indiana # - they spoof all their calls to me. I've told them 2 times about how spoofing their # is illegal and they just get rude and defensive and hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Lending Club Corp
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019, I called LendingClub Corporation for a payoff statement. The representative told me the amount of {$7500.00} to pay off the account by check, which must be received by XX/XX/2019. She declined to email me a document with that information and instead directed me to download the statement from my account on the LendingClub website, which I did ( attached ). 

LendingClub said they received the check on XXXX XXXX. I called them for an account status on XXXX XXXX and the representative said the check would take up to 10 days to process. I called again on XXXX XXXX and the representative said I owed an additional {$1500.00} in interest. I replied that the interest amount was not indicated on the payoff statement, but the representative said I still must pay the interest for my account to be paid in full. 

LendingClub representatives have since called me on XX/XX/XXXX and XX/XX/XXXX requesting the interest payment. I explained that I dispute this amount because I believe their actions are illegal. On XX/XX/XXXX, the rep said my account will be sent to reporting agencies as delinquent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-30
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}, {$130.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$780.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$130.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my 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 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a vehicle loan with XXXX XXXX Dealer Services XX/XX/XXXX. I traded the vehicle in. Apparently the dealership and XXXX XXXX got their wires crossed but the payment for the payoff did not post at a decent time. This caused XXXX XXXX Dealer services to mark my account as 30days late. When I handed over the keys and signed for a new vehicle at the dealership, the XXXX XXXX then became that dealerships property. My credit report should not reflect a 30day late payment. I did not miss a single payment before then. Ive disputed this account many times with no success. I called XXXX XX/XX/XXXX in hopes to resolve the issues still no success. I disputed with Transunion and they have not provided ANY verification. I have no proof they have even tried to fix this issue.

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 2019-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was given 24 hour notice that my Savor credit card with Capital One is being closed, despite staying within my provided credit limit and paying my statement balance on time. The explanation I was given via email was because your purchase activity has not been consistent with our expectations of how consumer accounts are used. Providing benefits and then closing customers cards for using them is fraudulent and should be dealt with accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am applying for a VA cash out refinance loan. I have been given disclosure documents, and the loan has always been based on a 100 % loan to value basis. The lender knew this is what I required and said they could make this loan. 

Now at the very last minute, the lender says the VA guidelines have changed And they can only do a 90 % loan to value refinance. Oh I can not locate any VA guidelines supporting this claim by the lender.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CCM Finance LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Right before the freeze in XXXX we where out of light and water for like a week the car lot came pick my car up Sunday evening around XXXX my other car note was due Monday I was going to give them a call Monday and work something out with my payments they came and got my vehicle and lying saying they picked my vehicle up Monday morning My car notes are XXXX every 2 weeks due to me recovering from XXXX XXXX XXXX my wife been paying on it I call the bank Monday to get my car back to pay the 2 car notes they added more chargers on there so I had to pay them XXXX, for Misc payment, regular payments XXXX include taxs ig, collateral insurance CPI XXXX=XXXX paid them that in full in there still holding my car at a storage not to mention I have to pay the storage as well the company is ccm finance there very rude threat you with there come take your car and you want get it back and they will hang the phone up in your face you will get more complaints and another thing the reason why I was behind because something messed up on my car I had to pay XXXX to get my car out the repair shop that the car lot in paid XXXX after that

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
What in the world is happening here that my concern was not attended by XXXX and Transunion!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS 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 2018-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Contacted the credit department at Bank of America. The representative preformed a search for the referenced account using my social security number which I provided. No information was found. They then transferred me to another department, both departments then concluded I am not a customer. 

My credit report shows two opened, revolving accounts with BOA which I did not open.

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 2018-03-05
Company: Bread Financial Holdings, 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:
XXXX XXXX keep saying they are reporting correct information about my XXXX account, ending XXXX. XXXX is NOT reporting correct information. My XXXX report has my account status and payment status as, collection charge off. I do understand that was the case then, but that is NOT the case now. This collection has been PAID in full. Also each month since the charge off has been paid in full, they are still porting payment status as Collection. Im trying to be professional about this and not use foul language, but this is XXXX me the XXXX OFF that thy can not update the current account status and payment status. I know what section 609 states and I know if sates they much report accurate information, but in this case they are state because my payment status each month still reports as a collections, which is not in collections any more since it was paid in full in XXXX. They account status should reflect PAID COLLECTIONS, no where on my report does it reflect it account was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: SUNTRUST BANKS, INC.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
suntrust shows XXXX % utilization when its not been that way for a long time

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 2019-03-11
Company: Greater Collection Agency Bureau, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have received NUMEROUS calls from ( XXXX ) XXXX that threaten legal action with no information regarding who I owe, what the debt is, what the amount is, etc. They have also contacted my son, my employer, and my daughter 's place of employment. This is harassment, plain and simple. I tried to call them back and received a recording that I did leave a message on requesting information via US mail and to cease and desist with the phone calls. In the recording they list their company as GCAB. An internet search for that company pulls up a very sketchy looking website.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with NAVY FEDERAL CR UNION. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and NAVY FEDERAL CR UNION with no successful resolution. ( Bureau ) was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a payout from my title company due to an ongoing legal issue. I am not in agreement with the amount of the payout and have not accepted their offer. The money was being held in a suspense account until a final agreement was reached. My mortgage was with XXXX XXXX which changed their name to XXXX XXXX. They held the money for me until my mortgage was sold to Wells Fargo. When this happened the money was applied without my knowledge. I called and had it backed out numerous times. Finally they have applied the money and won't back it out, against my wishes. I have contacted the multiple times since they took over my mortgage. Most recent contact information follows : XX/XX/19 - I spoke with XXXX XXXX - she suggested that they send me a check for the amount so I could hold it until an agreement was reached. No check ever came. 

XX/XX/19 - XXXX XXXX - following up on check to see why it isn't being processed. 

XX/XX/19 - XXXX XXXX - opened a case in the XXXX XXXX to try and help me. 

XX/XX/19 - XXXX XXXX - will research the issue and get back to me. 

XX/XX/19 - I left message for XXXX XXXX following up. No response. 

XX/XX/19 - I received a letter from XXXX XXXX - saying my issued had been researched and there is nothing that can be done. 

XX/XX/19 - I left a message for XXXX XXXX - no response. 

XX/XX/19 - I left a message for XXXX XXXX - no response. 

XX/XX/19 - I spoke with XXXX XXXX and requested to speak to a manager. I was told that XXXX XXXX would call me back in 24 hours. No response. 

XX/XX/19 - I spoke with XXXX XXXX regarding the lack of response from XXXX XXXX and was told he is out on PTO and there is nothing they can do to resolve my issue.

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 2019-03-11
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:
This collection was recently removed from my account and then a few days ago equifax added it back. I have contacted the creditor and the creditor states that they no longer have this record it was deleted but somehow Equifax decided to added it again the company even sent me paperwork claiming that the file has been removed. Attached is the erroneous document reporting on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a loan with AES opened 11 years ago. The delinquency started in XXXX..TEN YEARS AGO. The loan was charged off ( XXXX ). I have disputed this with the three bureaus and they left it on my file with a very generic excuse " we checked with the student loan entity and they said the information was correct ''. Apparently that is all that the CFPB does in XXXX for manipulation of dates and data by data providers. 

But the " last activity date '' of XX/XX/XXXX is seven years past the actual last activity..and even the bureaus historical data shows 120 lates back to XXXX. So this proves that their data is completely in error. 

This item is over the 7 year obsolescence time frame and needs to be removed from XXXX XXXX and XXXX as provided by federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is about PayPal Credit and how they structure their monthly and autopay experience. 

PayPal Credit offers 6 months interest free on internet purchases of more than {$100.00} - great service. 

And while they very kindly let you know in the payment reminder email the amount you need to pay each month to avoid incurring interest, they do not offer a box to check - e.g., " Amount to Avoid Interest '' - in their monthly payment flow or in the autopay flow. You have to remember the amount and enter it in the " Other Amount ''  option. 

So, less digitally savvy people might set up autopay and not realize that " Minimum Amount Due '' does not equal " Amount to Avoid Interest. '' This is deceptive and abusive and I believe they should stop this practice or be fined. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Uber Technologies Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive been a loyal employee with XXXX for 2 years and recently they said my cori background check came up with something without telling me what it is and Im unable to work with XXXX  which is my main job since I have XXXX. I think this is very unfair and unjust and will like this issue to be resolved as soon as possible in a just way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Received alert on XX/XX/XXXX from credit monitoring company that my Capital One Card has increased by {$1600.00} from {$0.00} Dollars. Last month I paid off that card and should have a {$0.00} balance and be paid in full with account closed. based upon the screen shot this has to an error on their part as the dates do NOT line up. They are saying that credit utilization as of XXXX XXXX was 0 % and at XX/XX/XXXX it was at 64 %. 

XXXX and XXXX both are reporting that both accounts have been closed and settled. 
See attached documentation ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: SYNCHRONY FINANCIAL
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I obtained a loan through Synchrony bank to purchase a XXXX indoor bike. XXXX has since then cut ties with XXXX, but shows account as closed with open balance on my credit report. This represents a hit to my personal credit history which is currently recovering from a recent bankruptcy. Neither XXXX nor synchrony seems to take into account the damage this may cause to customers. Its unfair!

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 2019-03-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the checking account with HSBC and was approved on XX/XX/2018 under the promotion that I would receive a bonus of {$350.00} for depositing and keeping {$10000.00} for 90 days. I deposited the money on XX/XX/18 and have kept the money in it. I have fulfilled the terms and the bank didn't pay out the bonus even 4 months after meeting the terms and requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a vehicle loan with XXXX XXXX XXXX XXXX XX/XX/XXXX. I traded the vehicle in. Apparently the dealership and XXXX XXXX got their wires crossed but the payment for the payoff did not post at a decent time. This caused XXXX XXXX XXXX XXXX to mark my account as 30days late. When I handed over the keys and signed for a new vehicle at the dealership, the XXXX XXXX then became that dealerships property. My credit report should not reflect a 30day late payment. I did not miss a single payment before then. Ive disputed this account many times with no success. I called XXXX XX/XX/XXXX in hopes to resolve the issues still no success. I disputed with Experian and they have not provided ANY verification. I have no proof they have even tried to fix this issue.

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