BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-02
Company: FinCo Services Inc DBA Current
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have disputed a charged with Current Bank, whom I bank thru and have all my direct deposits through. There was a charge of XXXX on my account. I have disputed this with the company and also my bank. The bank has told me to send in documentation in regards to my money being put back in my account that was back in XXXX, I haven't received a letter, email, or call in regards to my money. The purchased was made XXXX, I talked to one of the reps she stated that nobody had signed for the product that was ordered which means it was just ordered and sent without verification, she stated it was made online. I have no receipt, nothing in the mail in regards to this unauthorized purchase. I cancelled my card right away and got a new one and I have yet to see my money. Both companies tell me to reach out to each other its been about 3 months and I'm not going to wait longer because they didn't wait to allow somebody to use my card online to order things. Fast forward to today XX/XX/XXXX, I had been reaching out several times with absolutely no response, this dispute had been opened since XX/XX/XXXX and they responded last week rejecting my money after stating I would get it back, they dont have a direct contact, nobody can give me any type of information, the actual company cant even tell me anything all they know is that my card was used online and the address was used but it wasnt delivered to my door, our mail here the mailmen or XXXX or any delivery carrier drops packages at the front office. There is absolutely no packages with my name on there. I want to know who signed for it because what company ships out over XXXX $ in merchandise and doesn't require a signature. and the name they used was a company name so I want my money refunded to me expeditiously the same way it was used to make the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am trying to close my checking account with U.S. Bank due to charges coming through that were not mine and they refuse to close it due to it being in the negatives from these charges. I have tried to resolve it with there fraud department and they have claimed that they do not know how to fix the problem and continue to charge me fees putting it farther in the negatives.

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 2018-03-01
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian makes it impossible to cancel monitoring accounts. While you can view your account on their website, they make you speak to a representative on the phone to get your account cancelled. Unfortunately, their " customer to service '' number seems to consistently have wait times over over an hour. I'm on my third attempt today reach someone right now, as calls keep mysteriously disconnecting. First two attempts reported " over 1.5 hour wait time '' and now its saying " over 1h45 wait times ''. Tying up my phone for half the day because they won't offer a convenient way to cancel your account is infuriating. Even more so since the call has disconnected multiple times now. If they truly were interested in customer care and were aware of these delays they could adopt a call system like the banks and airlines use that call you back when you're up in queue. This is $ XXXX/month of scams

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 2020-09-04
Company: C/C Financial
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Merchants preferred lease took money from my bank account without my knowledge or consent. I have been trying to contact them regarding the payment that I made that is not on file in their records. I paid them {$300.00} but every time I check my mailbox there's a bill for that month but I already paid. When I call them I always get a fake email address every time I send an email to this address, an email comes back as " unable to send '' because it's not a real email address. Merchants preferred leasing is affiliated with XXXX  XXXX XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX | XX/XX/XXXX XXXX/XXXX  | XX/XX/XXXX XXXX/XXXX  | XX/XX/XXXX XXXX XXXX/XXXX  XXXX | XX/XX/XXXX XXXX  XXXX  | XX/XX/XXXX XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX   XXXX XXXX  | XX/XX/XXXX XXXX  XXXX  XXXX | XX/XX/XXXX These are illegal inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-07
Company: EQUIFAX, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$6300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account has been paid in full and should be reporting a {$0.00} balance. This false reporting of a charge-off account is seriously 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 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 2020-10-15
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
FedLoan Servicing notified me that I was required to submit the annual recertification for the IDR plans on my federal student loans. I timely did so, but have since learned from the U.S. Department of Education that  this was a false and misleading demand -- as, due to COVID-19, the deadline to recertify IDR plans has been extended for at least 12 months. This means, for example, if I was scheduled to recertify on  XXXX XXXX, XXXX, I was not required to recertify until XXXX XXXX, XXXX. And because of FedLoan 's false recertification demand and threat to take me off the IDR plans, my new calculated IDR payment is much higher than if they would have let me know that I was not in fact required to recertify for at least another 12 months. Because of their deceptive notification and practices, I demanded that FedLoan roll back my recent recertification and put my previous monthly amount back in place -- but they refused to do so. I hope that CFPB can hold them  accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears someone opened an account at a clothing store in my name a few years ago. I have tried contacting Capital One numerous times to get this off my credit. They keep saying that since the address matches mine then they are not doing anything about it. I have not lived at said address for over 4 years. 
I tried to call them this morning to get this taken care of yet again and now they are saying that I had called in back in 2019 on the account and that it is mine. The only time I have tried to call about this account is to get it taken off as it is not mine. 
I have tried for over a year to get this account taken off as it is not mine. They can not provide me the documents or anything that this is mine. I need help getting this off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on the XX/XX/XXXXand never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.

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 2020-05-19
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: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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've been attempting to dispute a creditor that is negatively reporting on my credit report. I've sent multiple letters to the bureaus as well as directly to the original creditor to no avail. I used the contact information for XXXX XXXX listed on my credit report to contact them and my letter was returned undeliverable. I followed up with the supporting documents and the bureaus are still reporting this negative item on my 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 2017-09-18
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
First Federal Credit Control , Inc, is attempting to collect an amount of {$350.00} on behalf of XXXX XXXX XXXX XXXX First Federal has made no attempt to determine the validity of said claim and has threatened to submit a negative report to the credit agencies. I have notified First Federal of the bogus nature of this claim, but they persist in their collection process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX Finance charge for overdraft charged by the bank {$.00} when there was no overdraft to charge for. 

XXXX XXXX, I called bank and was transferred twice until same agent who could not be understood well, came back on phone to say call another time. I was refused help by the bank and this has become the normal response for this bank. 

There has been no explanation of the fee. The bank should not be allowed to rob people of any amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
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:
HELLO MY NAME IS XXXX XXXX I WRITE THIS COMPLAINT BECAUSE SOMEONE ELSE IS TRYING TO OPEN ACCOUNTS ON MY BEHALF, DOING MANY CREDIT INQUIRIES IN A FRAUDULENT WAY WITHOUT MY AUTHORIZATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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: Was not notified of investigation status or results

Complaint:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: WELLS FARGO & COMPANY
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been a loyal Bank of America coustomer I have made several attempts to ask my Bank for a decrease in interest charges since the covid XXXX caused a shut down it seems every bank and credit card company car insurance and utility company has increased there rates I am not behind in my payments the Bank made a mistake and charged me a late fee but removed it once I called to correct the mistake it seems that was done so the bank could deny me of a rate decrease after speaking to a bank representatives because i have credit cards i pay through my checking account the bank sees the money going in and out of my account. They offered me to transfer my balance on the other credit card I have with another bank to one of there cards that has a higher interest rate. And would again put me in a credit card trap and i will not be able to pay this Credit off the agent said I see you have another card then he said I could refinance my home to get the equity out to pay them back in full but that's not going to help me but only make my mortgage higher and make it difficult if not impossible to pay that back. And loose my home plus all the other bills I have there forbearance for covid 19 relief hardship assistance that is offered would put me in a credit card trap that i wont be able to pay the interest rate that again is higher and seems to be a tactic the bank is using to get me to either keep paying the high interest rate and not watch my balance go down so they request more of a minimum payment and I am struggling to pay that because every other bill i have has gone up since Covid and the lockdown They are calculating the money im paying the other bank and there doing exactly the same thing the bank of America agent i spoke with hung up the phone on me after becoming combative with me and being rude and talking over me.I want to remove my accounts from Bank of America. I can not feed my XXXX child and I can not afford the high interest the bank keeps going up on me when we are all struggling from Covid 19 to recover one bank agent said they can lower the interest rate another says they can not and offered things that can put me bankruptcy or loose my home I am not asking to dismiss the payments I am trying not to file bankruptcy because then neither credit card gets paid.These increases have happened since the country went on lock down Im asking them to be fare to the customers that are paying we can not make up for the ones who are not able to pay anything to there credit cards at all

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 2017-12-12
Company: Rosebud Economic Development Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I Have borrowed XXXX dollars with a repayment of XXXX dollars by weekly. I have made my first payment and noticed that it only credited me for {$10.00}. I called the company quickly only to descover that XXXX dollars go to the princpal and the rest go to the interest of the loan. I will have a total of XXXX payment of XXXX dollars to repay a XXXX dollar loan. I am a single mother I can not afford this. Please help.This will be XXXX dollars in the end. I started the loan XXXX/XXXX/2017.

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 2022-04-26
Company: EQUIFAX, INC.
State: MA
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:
I sent a letter to each credit reporting agency on XX/XX/2022. a 609 letter to provide verifiable proof of negative items that are listed on my credit report. I sent a follow-up after 30 days and they have yet to reply with any update. I also understand they are required to notify me of your investigation results within 30 days

Company response to consumer: Closed with explanation