BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-08
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On or around XX/XX/XXXX of 2021 I bought a jeep from XXXX XXXX of XXXX CA. Within days it was brought back for repairs. It stayed at the dealer for 2 weeks. I complained and was told to come and get a different jeep. The dealer told me the paperwork would just be modified and updated to the new jeep I still currently drive. That never happened. The credit union who originally financed me is Golden One CU. My account number is my XXXX XXXX. Golden One CU has had proof the jeep was returned back to the dealer the day it happened, ( XX/XX/XXXX approx ). They since have been charging me for the jeep that was returned to the dealer and have refused to take me off the note. They told me it it was only a clerical error and should be fixed soon. After contacting them monthly 3 or 4 times a month.. they told me to continue to pay so my credit wouldn't be effected. I had to stop paying because I couldn't pay for both the returned and new jeep at the same time. This was about 4 months ago I stopped paying.. They have since ruined my credit, ( XXXX to a XXXX ). They refuse to repay me the 6 months of payments for the returned jeep and refuse to to do anything until the dealer pays them. This I a matter between the XXXX and the dealer not me.

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 2018-03-14
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid {$200.00} every month using bill pay as I was told to do. After about 2 years I have not received any receipts, calls, or any form f documentation of my payments or what is owed. 

When I call Winn Law Group no one answers and m credit report shows no sign of this debt, however they continue to accept my check. No calls have been made to me and I have had the same number for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Lendmark Financial Services
State: VA
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:
Back in XX/XX/XXXX I was advised that I could refinance my loan and that the past due payments will be reflected as current. I received a new loan in which the 1st payment was due in XXXX and the account has been paid on time. 

In XX/XX/XXXX, I received a letter confirming that if I refinance my loan, past due payments will be updated to current. However, the account is closed and past due payments have not been updated to current on the old loan as I was advised. 

The letter is conflicting and misleading because I was told by a representative that it did not mean that the past due payments will be updated, it was stated that the the loan would report current when the new loan was established. But the letter does not state that. The letter states Past Due Payments will reflect current. I have disputed the past due reporting before and was told that the past due payment history will not be updated. Im in the process of purchasing a home and the negative information is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: LendingUSA
State: CA
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Home Mortgage in there reply on XX/XX/18 about the California All purpose Certificate as there response I sign the document is not my signature as claim by Wells Fargo Home Mortgage Power of attorney is not my signature nor my printed signing. Futher more Wells Fargo Home Mortgage has yet to produce the proof of my signature to that document nor does Wells Fargo Home Mortgage been able to justify my signature. The document was sign by the Notary. I did not sign nor give consent to the Notary and was not ever giving or mail any copy of no California All purpose document. Wells fargo Home Mortgage wants to blame the media in which has nothing to do with my signature or documents forge by there notary as there agent. wells fargo home mortgage acted wreckless and has yey to prove by any legal means that is my signature in any way. all wells fargo home mortgage does is reply back with some lam excuse or blame game on some one else.

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 2020-03-23
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I opened a CitiBank AA Credit Card in XXXX, and kept my account unused when I was notified that my account was closed. This year ( in XXXX ) I was served a notice to court to either appear for or pay past due balance of {$2300.00} from XXXX XXXX XXXX, XXXX ( a bill collecting attorneys office ). When I contacted CitiBank about the issue and the fact that had no idea about the charges to my account and therefore had no knowledge to take actions against the apparent fraud against my account I was told that there was nothing they could do because they had sold the account already. When I got in contact with the dept collector, they told me that there was nothing they could do but settle for an amount that was more than {$1400.00}.

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 2021-10-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau is likewise disregarding federal law by detailing misdirecting accounts on their end without my consent. This bureau is detailing misdirecting data on their site and as per the federal law, it is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unprejudiced nature, and a respect for the consumer 's right to privacy. Their carelessness has caused me pain and I'm looking for legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
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: Information belongs to someone else

Complaint:
I am not an attorney nor am I a 3rd third party. Please see my attached ID and SS card. 
I was recently released from prison and it was brought to my attention that my credit profile had been compromised. I discovered that there have been several addresses and accounts for businesses opened up in my name. The first issue I found was a seen wrong SS numbers on my credit report. The following SS are not mine XXXX, XXXX. My full name is XXXX XXXX XXXX my DOB is XXXX my SS XXXX. I am in the process of filing a compliant with the FTC and the local aurthorities. The following addresses do not belong to me : XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX I have to do some more reseach on my credit file to see if there are in fact more items that are inaccurate. the following accounts are fraudulent : XXXX, XXXXXXXX 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 
I was locked up in prison when these account were opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection to XXXX was paid electronically on X/XX/2017 for the amount XXXX from my wife XXXX checking account. 
I can submit the statement as proof. 
Its been more than one year this account was paid and it is still listed as delinquent.

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 2020-09-24
Company: MoneyLion Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid off XX/XX/2019, have received several paid notifications and now they are saying they did not get paid even after I have sent them TWO copies of my bank statement showing it HAS been paid in full.

This company is saying that " This was not sufficient, and she was asked to provide a 30-day bank statement. Ms. XXXX provided the bank statement however the statement appeared to have blacked out multiple transactions. It was apparent that the reversed transaction for the {$160.00} was redacted. '' How can they know what was redacted and what was not? I redacted information that had NOTHING to do with this company is my PERSONAL FINANCIAL matters and is NOT SUBJECT to MoneyLion 's approval or not -- I SENT THEM TWO BANK STATEMENTS SHOWING PAYMENT IN FULL OF THIS DEBT and they REFUSE to acknowledge this was paid - my statements are showing the payment went through - I never disputed anything - they are FRAUDULENTLY TRYING TO EXTORT MONEY FROM ME FOR A DEBT THAT WAS PAID IN FULL OVER A 1.5 YEARS AGO

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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 was wrongly accused and penalized on my credit report by Portfolio Recovery Associates for {$710.00} on XX/XX/2016. I've already taken the time to dispute all charges. This collection account has had an adverse effect on my credit and I would like them to be removed expeditiously. I have even reported this account as fraud as there is no evidence that this is even my account. 

This company has also been harassing me with an overwhelming amount of phone calls to my home as well as my place of employment. Please have this account removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-14
Company: Bread Financial Holdings, Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Good day, my name is XXXX XXXX and I am currently in XXXX XXXX United States XXXX. I'm writing regarding having my account with XXXX XXXX ( XXXX CC ) and not adhering my account to the Serviceember Civil Relief Act ( SCRA ). I originally entered into the XXXX XXXX XXXX on XX/XX/XXXX as a XXXX, then in XXXX, I switch to active for a few years. Then returned to a reserve status. I had sent in documentation of all this and explained and a detailed letter what exactly is a documentation they are looking at, where to find the dates and type of service Etc. I have been on the phone with them for several hours over the course of this time and to no avail. I feel that is illegal that they are not applying my account in to the SCRA because I had openes my account with them in XXXX when I was a reservist. As you most likely know, the SCRA states that any debt prior to active service must fall under the SCRA and offer a reduced interest rate to all debt Pride active service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-27
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i disputed an amount of {$130.00} on XX/XX/XXXX Wells Fargo gave me a temporary credit. on XX/XX/XXXX the amount was charged back to my checking account. I did n't receive any notification that the claim had been resolved.

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 2018-03-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XXXX of 2011, the house that I owned was short sold ( agreed by the mortgage company ) to  another couple. In this process, XXXX XXXX XXXX, who has become XXXX XXXX XXXX wrote a promissory note in the amount of {$15000.00}. At the time, I was convinced that this was the only option that I had due to the hardship that was being faced by my family. After the closing on the house, we were not able to make a payment to the promissory note. It has now been 6 years and 9 months. I have had multiple conversations with the team over at Experian about how this account is being report on my credit report. The agents themselves have told me that the information they are reporting does not make sense. 

The first item is that this is being reported as a mortgage, but I do not own property to have a mortgage against. This property was sold back in 2011 and can not be considered a mortgage or real estate loan. 

The second thing is that Experian advised that XXXX XXXX XXXX continues to change the status of the report to make it look like payments have been made on the account in order to reset the date that the account would fall off of my report. 

The third thing is that this is reporting as a mortgage loan that has not been paid on in almost seven ( 7 ) years. I do not know of any financial institution that would allow someone to live on real property in a master planned community that has not been paid on in this amount of time. This would have been a foreclosure years ago if this was a true mortgage. This is yet another instance showing that the account should have been closed years ago and should not continue to have changes in reporting to the credit bureaus to have this to unfairly continue to report negatively against me. 

I have reported to both Experian and XXXX  that I do not own any real property and therefore can not have an open mortgage account on my credit report. They have disputed this with XXXX XXXX XXXX, but they keep sending inaccurate information back to the credit bureaus of this being a mortgage account with no property attached, changing the status of the payments in order to have the credit reporting agencies to continue to report this account. 

This account is not being reported in accordance with the Fair Debt Collection Act and needs to immediately be removed from 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 non-monetary relief
Consumer complaint received 2017-06-15
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
send {$1000.00} to daughter through western union to be available on  XXXX   XXXX .On  XXXX   XXXX  get notice from western union money on hold. Aft er 1 hour  on telephone western union will refund money back to my bank minus $  XXXX  They  did absolutely nothing but cause problem and charge me {$10.00} .I think they scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
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:
In  XXXX  of  XXXX , I recevied my full, free annual credit report. It showed an account in collections from a company I have never heard of,  XXXX   XXXX , on behalf of another company I have never heard of called   XXXX   XXXX    of  XXXX . I reported this to Equifax,  XXXX , and   XXXX    as an error.      XXXX  and  XXXX  immediately removed it from my report. Equifax did not. They reported to me that   XXXX   XXXX   verified the debt of {$150.00} to them.     I contacted   XXXX   XXXX   directly to dispute the debt. They informed me many weeks later via written letter that they could not confirm or deny that the debt belonged to me due to HIPPA regulations and directed me to contact  XXXX   XXXX  of  XXXX  directly to dispute the debt.     On  XXXX   XXXX ,  XXXX  I wrote  XXXX   XXXX  of  XXXX  a letter, delivered by  USPS , to dispute the debt and ask for any documentation they have to support their claim that the debt belongs to me. They have not responded to my request in any manner, but my current Equifax credit report states that     XXXX   XXXX   is still claiming I owe them a debt of {$150.00} as of  XXXX   XXXX ,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XX/XX/2021, I made a purchase from XXXX totaling {$280.00}. Because of personal issues out of my control, that same day I had to cancel flight. Within 2 hours of booking I called XXXX ( whom refunded ) my {$280.00}. I tried to contact XXXX to also inform them of the change. I called over 16 times and I could not get a reply. I sent serval emails that same day, and no reply. I did a dispute with my credit card company ( Capital One ) the very next day. I was given a credit and also requested further information, such as cancellation email from XXXX and also documentation of conversation with XXXX. I was also required to write a statement by ( Capital One ) to provide further details. Its been over a month, Ive provided all requested proof required by ( Capital One ). 
( Capital One ) Whom sent a mail, stating that they decided to charge me {$280.00}. For a service that was refunded back to my account. I never got my credit. Per airlines rule, your given 24 hours time to cancel in order to get full refund back. I did and my money was taken. Which violates my consumer rights 15 usc 1692b ( 5 ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-14
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was involved in auto accident XX/XX/2016, determined not at fault. third party insurance claim filed and insurance company missed payment to XXXX emergency physicians. Received notice of collection from creditor after settlement. Reached out to insurance company to pay debt which was completed. Company still has not removed debt from their records.

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 2020-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had an account with Capital One Bank, for a Capital One Platinum secured card. I had the card for about ( 4 ) months, but I decided to close the account because every time I made payments, Capital One would 1 ) Accept my payment 2 ) take money out of my bank account with XXXX XXXX XXXX 3 ) then put a " hold '' on my credit card. I would have to get a representative with Capital One to call XXXX XXXX XXXX while I was on hold to do a 3 way call, this was very time consuming and cost me a lot of time and money so I closed the account. Anyway ... The reason why I am filing this complaint : I paid a {$200.00} security deposit on this particular account, and Capital One wont give it back!!!! It is a security deposit. I have never been late on this account. Ive always paid my balances in full every month. Ive never missed a payment. Capital One won't give my money back!!! This isn't the first time they've done this to me. I dont owe them any money, I have copies of all my statements. Years ago, I had another card with them, they did the same thing but I owed a balance and they put charge offs on my credit report ... but they still held my security deposit! They didnt just apply those charges to my security deposit, and refund me the rest like any other company would do. Capital One needs to understand ... a security deposit is a liability .... it is not their money! They have to return security deposits if their customers show good faith and have exercised good habits during the course of their business relationship. {$200.00} means a lot to me, it may not mean anything to Capital One, but this is my money not theirs!!!

Company response to consumer: Closed with explanation