BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: IL
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:
I received a private student loan from XXXX, serviced by XXXX XXXX in 2018. There was an error in the loan interest rate percentage, so XXXX closed that first loan and opened a new one with the correct interest rate. This caused a duplicate to appear on my credit report. I contacted all the bureaus in order to fix this duplicate. Both XXXX  and XXXX  marked the account as closed ( I believe it should have been removed because it is a non-existent loan at that point, but that's less relevant at this moment ). Experian, however, refuses to remove this duplicate account after their investigation and did not allow me to submit a reinvestigation. Recently, I refinanced my loan and submitted a reinvestigation request to Experian, which was accepted. However, their results came back as the same. This is undoubtedly false now, as the account is now closed with XXXX balance on it, and yet Experian is still claiming that there exists a balance of a little over {$43000.00}.

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 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I had a Capital One credit card for several years, I closed it and was able to pay it off as indicated their Customer Service ( I have record of the call ) on XX/XX/XXXX and the payment posted on XX/XX/XXXX. That very same day I checked my balance and it was " XXXX '' ( XXXX ) ( See docs attached ) and even Capital One CANCELED my automatic payment draws since the acct balance was XXXX. Ok, 2 weeks later I received a new SNEAKY charge from Cap. One for XXXX on XX/XX/XXXX. I CALLED AGAIN and spoke to a lady with the name of XXXX Id : XXXX and told me that THERE IS NOTHING SHE CAN DO ON THAT SNEAKY CHARGE. This is a NIGHTMARE AND A SCAM IN THIS NEVERENDING HORROR STORY written by Capital One and their associates against customers like me ( A minority group ) PLEASE HELP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-17
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I reached out to loancare servicing in regards to my MIP being totaled as we reached the 78% LTV ratio in XX/XX/2019.The home appraisal, per the tax assessor is $XXXX. I submitted documentation to Loancare in XX/XX/2019,as requested. I later spoke with a representative of Loancare who confirmed that the home appraisal figure was in fact $XXXX. The representing requested that the deletion of MIP be reviewed again inXX/XX/XXXX. With that being said, we received a letter stating we still were not approved to delete the MPI, when in fact we did qualify since our  percentage of the LTV is currently at 77%.I have reached out to Loancare on three separate instances, yet have been unsuccessful in deleting the MIP. This is due completely to lack of due diligence in regards to Loancare. This is my last effort to resolve this issue before seeking legal counsel.The Homeowners Protection Act states that the services should have deleted our MPI once our LTV reached 78%.  Please note:The Tax Assessor sends a copy of any increases or decreases to our home appraisal each year. 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 explanation
Consumer complaint received 2021-11-01
Company: Synovus Bank
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: ID Analytics, Inc.
State: NJ
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:
There is a 160-point discrepancy between the credit score that was generated by this credit reporting agency compared to every other major agency in the market.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 submitted a dispute to Transunion on XX/XX/2020, challenging the accuracy of a public record, USBK Court XXXX  Pennsylvania. I received a letter back around XX/XX/2020 stating that they verified the information. I sent another letter on XX/XX/XXXX and received the same response back stating again that they verified the info ac accurate with the court. They never marked on my report that I am disputing this account/record which is in violation of FCRA. Furthermore, I have proof that the court does not, in fact, verify public records. So they could not have verified as they claim.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts and inquiries from my credit report 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 2021-11-01
Company: EQUIFAX, 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 information incorrect

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the response of Equifax Credit Bureau about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX XXXX Date XX/XX/XXXX ; 2. XXXX XXXX Inquiry Date XX/XX/XXXX ; 3. XXXX XXXX XX/XX/XXXXInquiry Date XX/XX/XXXX ; 4. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; 5. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; 6. XX/XX/XXXX Inquiry Date XX/XX/XXXX; 7. XXXX XX/XX/XXXX Inquiry Date XX/XX/XXXX ; 8. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; 9. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; 10. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; 11. XXXX XXXX XXXX Inquiry Date XX/XX/2020 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Anytime I apply for credit using my social security number, the creditor will see on my credit report of extended fraud alert listed with my phone number, so they may contact me before credit is given to me. They usually ask me security questions to verify my identity. In this scenario, someone used my personal information and received credit line with XXXX XXXX. I was never notified by the creditor and was informed once the account was in collections. They have declined my requests for fraud, stating payments were made from bank account over the last couple of months. They verified payment funds came from XXXX XXXX, and I do my banking with XXXX XXXX XXXX. I have never held XXXX XXXX account. The name of the XXXX account, and my XXXX account do not match, and XXXX XXXX will not do anything to resolve issue. They have failed to take the necessary steps to verify my identity, extended credit without confirmation, and want police report stating I was victim of fraud before they could resolve 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 2019-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX, I incurred a debt with XXXX XXXX owned by XXXX XXXX XXXX XXXX.  I received my last billing notice about XX/XX/XXXX.  I made no further payments.  XXXX XXXX XXXX XXXX SOLD my debt to PORTFOLIO RECOVERY ASS, LLC.  The Florida Statute of limitations ran XX/XX/XXXX, I was absolved from this debt according to law.  Between XX/XX/XXXX and XX/XX/XXXX, I corrected my credit issues and purchased a home with a mortgage.  There were no collections on my credit report at this time.  By approximately XX/XX/XXXX, PORTFOLIO RECOVERY ASS., LLC, contacted me in an attempt to recover this debt.  I filed a complaint with both Credit Bureaus.  I was informed that this debt was on my credit report since XX/XX/XXXX, which is clearly incorrect.  I have attempted to work with PORTFOLIO RECOVERY, without avail.  This blemish needs to be removed from my credit history immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am attempting to initiate a wire transfer from my bank account at BMO Harris. However, I am unable to speak with anyone in the wire transfer  department in order to do so. I would simply like to speak with someone at BMO Harris who can help me with my transfer. I am attempting to purchase a home and don't have anywhere to live in 10 days. The burden on the consumer is unrealistic in order to access their money.

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 2018-02-27
Company: ALLY FINANCIAL 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:
There are many Hard Inquiries in my credit report that I am not familiar with

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 2019-08-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We want Sps mortgage to be investigated in regards to violating our california home owner bill of rights.Violation 12cfr 1024.41Violation Ca sec 2923-2924We have been trrying to resolve with Sps mortgage our loan modification and they refuse to work with us Sps is only interested on foreclosing on our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mid XXXX I received a collections letter from Capio Partners LLC, XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX, TX XXXX regarding an XXXX bill of {$160.00} incurred about 5 years ago which was paid through the doctor 's office ( XXXX XXXX ) {$200.00} for XXXX before the service was performed. However, a few months later I recieved a bill for the same XXXX. I called the XXXX service and they explained that they were changing their billing service and mistakenly showed a debt. They apologized for the mistake and the issue was resolved. I kept the bills and notes of who I called for another year before discarding them after it was evident this issue would not be revisited. The day I received the letter from Capio, I called and explained this. The agent could care less and threatened to report it to the credit bureaus. I told her I would not pay them for something I did not owe nor an extortion attempt. She became rude and I hung up on her. On XX/XX/2019 I received a notice from my credit check service at XXXX that they had reported this to XXXX and XXXX. After speaking with XXXX I had also found that they had illegaly re-aged the alleged debt. Disputes were filed with XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/XXXX-2020 a method of verification letters were sent to both XXXX   and Transunion. XXXX has failed to even respond and Transunion replied with a letter stating they contact creditors to review information, but failed to give me names of people they spoke with.

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 2017-08-05
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Vehicle was parked on private property, in a 8 unit apartment building, vehicle was repossed on X/XX/17 @ XXXX. Neighbors complained about some unknown damages to they 're vehicles and want to hold me accountable for it. My complaint is on the repossession company XXXX XXXX XXXX ( XXXX ) hired by XXXX XXXX. I 've discussed payment arrangements with my finance company but I still feel the repossion was unfairly done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Capital one credit card company charges fees on the same day that your bill is due. My bill is due on the XXXX of each month. Like most companies you have until midnight of the due date to get your payment in. However, Capital one takes advantage of customers and charges them a late fee if payments are not processed by XXXX on their time schedule the bill is not due. This is should not be legal. You are still using the automated system and it is still the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: IL
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 holding is reporting this account with a past due balance. They have last reported in XXXX of 2019. The fact of the matter is that XXXX holding no longer owns this debt and I was unable to settle this debt with them. They are however still reporting this debt as an amount owed to them. This is illegal and it's a direct violation of the Fair Credit Reporting Act. I want them to remove any and all reporting from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Bread Financial Holdings, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CB/VICSCRT Account Number : XXXX {$340.00} Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: EQUIFAX, INC.
State: TX
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:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX/XXXX  XXXX  - partial account umber XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: American First Finance, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am an XXXX XXXX military member ( XXXX XXXX ), I entered XXXX XXXX in XX/XX/XXXX and am currently stationed at XXXX XXXX XXXX in South Carolina. 

I was in need of furniture for my apartment and visited XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, SC XXXX - XXXX ) in XX/XX/XXXX. I worked with a female sales associate at the store. During our time together, she asked about my profession and I verbally told her that I was in the XXXX XXXX. After selecting my new furniture, the sales associate set me up on a computer at the store to apply for financing. On this online application, it also asked about employment, monthly income and the pay schedule. On the application I documented that I was in the XXXX XXXX and received pay on the XXXX and XXXX. 

On XXXX XX/XX/XXXX, I was approved for a loan of {$2800.00} with an APR of 145.09 %. The furniture was delivered to my home on XXXX XX/XX/XXXX and my first payment ( {$180.00} ) was paid on XXXX XX/XX/XXXX. My payment schedule is {$180.00} twice a month. The loan is through American First Finance Inc ( XXXX XXXX XXXX, XXXX, TX XXXX - XXXX ). 

After purchasing the furniture, my supervisor reviewed the contract with me. It was then that I realized the severity of the 145.09 % interest rate. Including the finance charge ( {$5900.00} ) and the amount financed ( {$2800.00} ), the total amount of payments is  {$8700.00}. 

My supervisor referred me to work with a Financial Counselor at the XXXX and XXXX XXXX XXXX on base. She informed me of the violation of the Military Lending Act by American First Finance Inc. The approved APR should not have been above 36 % because I am an XXXX XXXX military member. I informed both XXXX XXXX and American First Finance Inc of my status as an XXXX XXXX member. 

I have submitted a written letter of notification to American First Finance Inc of this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a complaint under the Fair Credit Reporting Act, The Identity Theft and Assumption Deterrence Act of 1998, and the California Penal Code, Section 530.8. The company named in this complaint received a copy of the identity theft report ( see attached ) from XXXX XXXX, a legal resident of California XXXX see attached license ). The company was asked to provide proof of debt and charges in XX/XX/XXXX. Under California Penal Code, the company had 10 days to respond with the information requested as Section 530.8 ( a ) of the California Penal Code states, in relevant part : [ i ] f a person discovers that an application in his or her name for a... credit card... has been filed with any person or entity by an unauthorized person, or that an account in his or her name has been opened with a bank... by an unauthorized person then, upon presenting to the person or entity with which the application was filed or the account was opened a copy of a police report prepared pursuant to Section 530.6 and identifying information in the categories of information that the unauthorized person used to complete the application or to open the account, the person, shall be entitled to receive information related to the application or account, including a copy of the unauthorized persons application or application information and a record of transactions or charges associated with the application or account.

The company provided statements that claimed an amount owed but failed to provide signed applications and details about who signed the charges or other information about the charges that appeared on the statements. This is a violation of California penal code and XXXX XXXX is entitled to relief of approximately {$22000.00} currently an amount that is increasing by {$100.00} per day of noncompliance per the California Penal Code ( 530.8 ( d ) ( 2 ) ) a prevailing plaintiff to recover damages, injunctive relief or other equitable relief, and a penalty of XXXX XXXX dollars ( {$100.00} ) per day of noncompliance.... Penal Code 530.8 ( d ) ( 2 ).

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