BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working on a short sale with my lender since XX/XX/2017, and I have had an offer since XX/XX/2017. My lender has been stalling, on my paper work, and I am about to lose my buyer due to the length of time it is taking my mortgage to work the file. The assigned negotiator has had me do 4 or 5 extensions, and he even admitted that he had to many files to work at one time. This is ridiculous, what am I supposed to do if I lose my buyer over their inept ability to work my file? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions 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:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the XXXX   Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling the credit companies i have a list of account that was open and use without my consent Experian Report number XXXX XXXX  File Number : XXXX XXXX  Block me from getting a copy of my credit report after telling me i was a victim of the XXXX data breach i haven't been able to get a report from then since so i dont have a report number from them i also have A POLICE REPORT FROM XXXX XXXX  POLICE DEPARTMENT XXXX Incident Number XXXX here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , GAXXXX ( XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX  XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX  {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX CO XXXX XXXX XXXX , GAXXXX ( XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports..

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 2021-05-04
Company: V and H Portfolio
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
VANCE AND HUFFMAN LLC, DID NOT SEND ANY NOTIFICATION TO ME ABOUT ANY DEBT. I HAVE CREDIT MONITORING SERVICES AND THATS HOW I FOUND OUT THAT THEY PLACED A COLLECTION ON ALL 3 CREDIT REPORTS, XXXX, XXXX, AND XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 disputed this charge off on this XXXX XXXX XXXX XXXX  XXXX for months.XXXX and XXXX   have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-06-27
Company: Consumer Portfolio Services, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My Suv was stolen in XX/XX/XXXX. the auto insurance company paid the amount due for the XXXX SUV in XX/XX/XXXX, which left a {$4000.00} balance ( I don't know why ) but I contacted the loan company Consumer Portfolio service and they explained that I did not have gap insurance. I told them that they never offered me gap insurance and they said that the auto insurance company should have offered it. ( I called the auto insurance company and the said that Consumer Portfolio Services ( CPS ) should have offered it ). So I am stuck with this {$4000.00} balance. I call CPS in XXXX and they agreed to let me pay {$100.00} a month and I could pay more when I could. I started to see my credit score that was almost 700 decline. I could not figure it out I looked at my credit report in XXXX and CPS had been reporting me late but I wasn't the amount was scheduled to be deducted from my account every month and I paid ( I have proof ). Every month I was reported late my credit score plumbed to 500 credit score I could not believe it. I talked to several departments, finally, the finance department told me to " forget the payment plan you should still be paying the car note which was XXXX. '' I was sick this company asks in bad faith.. I finally paid off the balance and they are still reporting me late on my credit. Please help me with this company I follow the payment plan. I want those negative marks reported from XXXX until now. I work really hard on my credit and CPS told me to go get a new car they would finance it. I would never after they destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2017 I received a letter from XXXX  ( see attached ) that my store credit card was to be closed due to " observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family, or household purposes. '' I immediately called the customer service number provided, but an answer to my question could not be provided, XXXX XXXX customer service said I had excellent credit history with them, and that I should contact Capital One. I have never opened a Capital One card, so when I called Capital One, they could not provide me with any answers either. I've checked all XXXX credit reporting agencies, and none list a Capital One account in my name. A few years ago I believe an ex-boyfriend opened a Capital One XXXX card in my name WITHOUT my permission and may have used that card illegally. I have tried to contact Capital One regarding this ( see attached letter ), however I have not received any contact or resolution from Capital One regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/XXXXEquifax and XX/XX/XXXX did not remove all inquiries that was not affiliated with my open accounts I provided police report that clearly states that I was an victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX there was a transaction of {$75.00} which there was enough money to cover the amount. I have been charged an exorbitant amount of overdraft fees. I can't seem to reason with PNC. This account has been extremely problematic. They go out of their way to charge extra fees. I feel that this is predatory activity. The bank is basing the insane amount overdraft fees on the wrong transaction and did not provide a reasonable amount of time to resolve it. This seems impossible to bring current they are now charging even more fees. It's a bottomless pit and I need help. This is ruining my business. I have tried so many times to reason with the bank. They have been extremely rude and unwilling to help. They have also promised call backs which I have yet to receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-27
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company billed a late fee on my account after I paid the balance in full 1 day late. I disputed this via phone call. The following month they added another late fee because I didn't pay the first late fee. I called and spoke to a supervisor but they refused to reverse the charges. I closed the account but they continued to add late fees until the account was 90 days past due. I feel these charges are erroneous and reported out of spite rather than for valid services or merchandise.

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 2021-02-20
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I got a notification from Experian about a change to my credit report. XXXX XXXX XXXX was reporting me as 150+ days late. I had entered a forbearance in XX/XX/XXXX un the CARES act as my salary had been temporarily cut. At the end of the forbearance period in XXXX or XXXX, I was unable to pay the in arrears amount in full. I was given the option to repay over 6 months ( which I could not ) or a modification. I paid the new amount on time each month. It is my understanding that under the CARES act, the mortgage company should continue to report the account as current since it was current before I entered the forbearance period. I immediately called XXXX XXXX XXXX  on XX/XX/XXXX and they admitted it was reported in error and they would reverse it, but it could take 30 days. It is still reporting as late on all 3 bureaus. I called XXXX XXXX XXXX on XX/XX/XXXX. The initial Customer Service Representative told me they did not follow the CARES Act. I asked to speak to a supervisor. They told me they would correct the information and would get back to me on Monday XX/XX/XXXX. I still have yet to receive a call. This error has caused my credit scores to drop 100-200 points, depending on the score. Several credit cards have dropped my limits by thousands of dollars. This made my score drop more as it my utilization go up.

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 2018-04-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have XXXX XXXX account and i have XXXX XXXX   card. It is advertising 5 % cash back when I'm placing order yet i cant see my cashback points and not XXXX nor XXXX  representative were able to fix the issue after 4 hours phone conversation and call forwarding back and forth to XXXX and syncony 4 times. 

Even after the phone conversation, today i am placing order with XXXX using store credit card and its displaying 5 % cash back, which I do not receive. 

I have placed approximately XXXX  worth of orders lately and no cashback as was advertised. 

XXXX XXXX account email : XXXX XX/XX/2018

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 2020-11-04
Company: ECMC GROUP, INC.
State: MS
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attended XXXX  XXXX XXXX  Fall XXXX to XXXX XXXX, received Masters on XXXX XXXX, XXXX. I worked at XXXX at the time in a leadership role. The company paid for my education to attain the Masters Degree Program in order to develop my career. I have filed Chapter XXXX twice and the 1st time XXXX. XXXX XXXX told me that they were paid off after the 1st chapter XXXX. When I began to get more notices for student loan debt, they began to garnish my check. I filed chapter XXXX again to gain help from legal regarding student loan. I did not succeed and I dismissed the chapter XXXX in XX/XX/XXXX. I contacted ECMC and began a payment plan of {$770.00} each month as I am in fear of them garnishing my check. My identity has been stolen more than once without my knowledge or permission. I did not attend school in XXXX. As the ECMC accused of disbursing {$400000.00} to me for expenses incurred at the XXXX XXXX XXXX. No, I did not get these funds.

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 2018-04-26
Company: PRESTIGE FINANCIAL SERVICES INC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a vehicle from a family member. We contacted the loan company whose name is Prestige Financial. We were told by the company that the loan could be transferred to me after I filled out the proper paperwork. Prestige Financial i.e., XXXX XXXX the representative for the company assured me that upon completing the necessary paperwork that my name would be placed on the title and that the property would be considered mine after the title change. I filled out the papers that was requested. I waited months and the company never put my name on the title. I paid several thousands dollars to Prestige financial. Every time I would go to the DMV they would tell me that the car is not in my name. On XX/XX/2015 after I made a XXXX payment they repossessed the car for reason of none payment. XXXX XXXX stated that I did not own the vehicle and that the responsible owner has to pay for the vehicle herself. I asked why had they deceived me and had me fill out the paperwork if they were not going to title the car to me? and she rudely hung up the phone Everyone else that I tried to talk to at the company refused to provide assistance to me. The legal owner and I made complaints and we got nowhere. In the end the company took my money, refused to refund any portion back to me, failed to place me on the title as promised and has continuously reported to the credit bureaus that I owe them XXXX $ and that I am more than 120 days late every month severely damaging my credit. They are also reporting false information. If you carefully exam the reports you can see the conflicting info. I want them removed from my credit report and reprimanded for fraud and deceit. I also want a refund of all my monies that were paid to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2021-05-04
Company: Avant Holding Company, Inc.
State: MO
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:
Hello. During the Application Process of getting a Credit Card w/ AVANT***, their website eventually brought my attention to Loans*** BUT NOT FIRST OR RIGHT OFF. [ Note : I did NOT know of their Loans and was sent a Credit Card Invitation by Standard Mail ... NOT a Loan Invitation OR anything about Loans, Etc. ] W/that said, my coming across Loans was of GREAT immediacy for which I am tremendously thankful and made it so as soon as I did, I applied on-line for a Loan and several times since nothing appeared to be working correctly time and time again. What I did NOT and did receive from AVANT about Loans appeared to be compromising*** my e-mail information AND the e-mail information of ONE AND TWO accounts, my contact information, my personal information, etc. and made me so extremely, extremely UNcomfortable to the point of POTENTIAL victimization that I called AVANT right away about both ... To eventually learn -to sum this up simply- that you can NOT have both ( Credit and a Loan ) at the same time.

Having said that too, what they did to me was so victimizing, etc., that I left the Credit Card AND the Loan w/ GREAT immediacy. Everything is of GREAT immediacy here!!!! Closed both. Have ABSOLUTELY NO interest in either or in their company and its business practices ... And do NOT approve of what they did to my e-mail accounts, my accounts, my account information, my password AND passwordS, etc. -they appeared compromised- and it still appears to have some continuance when it should have NONE. Very malicious, suspicious, and criminal-looking and -acting. Credit and Loans I have NO interest in whatsoever. A Company in need of correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: U.S. BANCORP
State: WA
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 have no idea why it says I have had a late payment on my credit card! Ive never missed a payment. I checked my credit and I have a late payment! I know I didnt miss a payment. Im going through a really difficult time making sure everything is payed for because Im trying to buy a house and I just loss my father due to covid on top of that being a mother of 4 has been rough. Please help me resolve this

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 2019-01-21
Company: Aargon Agency, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
AARGON IS NOW SUBJECT TO A CLASS ACTION EFFORT! XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CLASS. COLLECTOR BREAK ALL CONSUMER LAWS IN THE BOOK, ESPECIALLY THE '' DOOD FRANK WALL STREET REFORM AND CONUMER PROTECTION ACT '' TITLE X.

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 2018-10-17
Company: Guidiville Indian Rancheria
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I received a phone call from a Company claiming to call to verify information so that I can be served with Court Papers. The caller claimed that I would be charged with a crime for not paying a payday loan. I dont recall applying for the payday loan and it was from an address that I resided at 7 years ago. The caller claimed that they made every attempt to contact me. I informed the caller that I know longer live in XXXX  and havent lived there since 2012. The caller said that I would be charged for check fraud and I would have to go to Court in XXXX. I now live in XXXX and have been here for over 6 years. The caller will not give me any information on the loan. Like the original loan dates and Current name of the company. The caller did have my social security number, my name and an old address. The number for the company that contacted me is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an unauthorized inquiry on my credit report. Possibly due to fraud.

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