BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ive been banking with them for a minute, I tried to deposit money from my other account via check and they closed my account?? I thought that was a normal thing normally I would XXXX the money over but it was too much ... the man I spoke to sounded XXXX like man is it hard to be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Experian Information Solutions Inc.
State: NY
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 have disputed unauthorized hard inquiries on my credit report. I was told that they will conduct investigation. It has been over three months since my first dispute letter, I have not provided any record evidence of " permissible purpose '' despite me requesting that multiple times. 
These wrong inquires have significantly affected my credit score and my ability to obtain new credit. Especially in this tough time of COVID pandemic, it has created excessive stress on me and my family both financial and emotional. 
I have to report this matter to CFPB, Attorney General and Consumer Advocates ( XXXX XXXX XXXX, XXXX ) after persistent non compliance from the credit bureau.

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 2020-05-03
Company: Nelnet, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Great Lakes. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute 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 2021-03-07
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:
Purchased a used vehicle and financed through XXXX XXXX. In XXXX the vehicle was flooded in Hurricane Harvey. The vehicle was towed out of the water after sitting in the water a whole day. It was sent to XXXX XXXX XXXX for inspection. They pulled the wet carpet out the vehicle and broke it down for inspection. It took my insurance company 6 months to finally get to the car and they denied it stating that there was no sign of water in the car. Well if a car sits out 6 months I'm sure that is plenty of time for it to dry. From all the water lines and mold in the vehicle there was no way I was letting it go. I filed an appeal and that took months. When we went finally to chexk on the car it was gone and XXXX XXXX XXXX could not explain nor could XXXX XXXX tell me where the car was. I have tried to resolve this matter and they have yet to respond or communicate anything concerning the vehicle. I don't know if it has been sold, crushed, sent to auction or just plain destroyed. Statue of limitations and far exceeded their ability to collect and they still have this on my credit when they know the car was flooded and I have not seen it since it was picked 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 2021-03-07
Company: National Credit Adjusters, LLC
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:
While disputing inaccurate information with National Credit Adjusters, XXXX and XXXX XXXX replaced the previous XXXX XXXX account they removed in XX/XX/2019 back on my credit report XXXX XXXX. 

Now they have NCA and XXXX XXXX reporting duplicate accounts with inaccurate non validated information while NCA has not provided the information I have requested per my CFBP complaints. 

Both XXXX XXXX nor NCA have provided and account information to validate the amounts or the information to me that they have reported to credit bureaus. 

Please refer to XXXX XXXX response to CFBP complaint # XXXX where they confirm that XXXX XXXX closed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: General Motors Financial Company, 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: Public record information inaccurate

Complaint:
AmeriCredit XXXX XXXX doing business as XXXX XXXX took me to court. The case ruled in my favor, I do n't owe anything! However, they are still on my credit report showing I still owe them. The courts have ruled back in XXXX XXXX XXXX that I do not owe anything. They are reporting incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-24
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am receiving collection calls from a third party, usually they hang up when I answer. However when I call back I am on hold for a long period of time. When the rep answers they do not identify themselves instead the rep answers the phone saying can I help you? After they go through their authentication script I find out its in reference to a loan I took out in 2008, for more than double of the amount, which was discharged in my Chapter XXXX Bankruptcy. The rep then tells me that they will make a note that I am refusing to pay and to call back with my Bankruptcy reference number. In the past I have asked for written proof of the debt and I have even asked then to cease and desist from contacting me. To date I am still receiving hang up calls.

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 2015-07-06
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern, In XX/XX/XXXX, XXXX for many diagnostic organizationsWere weaning & I was laid off from my position as a XXXX. With a XXXX month old baby in arms, my wife contacted our mortgage Lender ; Wells Fargo to propose refinancing our home mortgage. We were denied. Upon several attempts. Even after informing them that we would potentially fall behind on payments for 3-4 months due to unemployment. Upon missing our XXXX mortgage payment, Wells Fargo 's home Equity collections agent- XXXX XXXX ( XXXX ) XXXX, ( XXXX ) XXXX called us to inquiry. The agent understood our strife and offered an opportunity to negotiate the remaining balance of our XXXX mortgage ( {$120000.00} ). With Wells Fargo 's guidance, we graciously accepted the opportunity and settled our mortgage for {$18000.00}. Our payment was accepted the following day due to their stipulation that payment must be received within 5 business days of their XX/XX/XXXX settlement offering. 
On XX/XX/XXXX we received a letter from Wells Fargo stating that " After the settlement described herein, Wells Fargowill report your account to the nationwide consumer reporting agencies ( " credit bureaus '' ) as account paid in full for less than the full balance. Wells Fargo is not a credit bureau and can not control how the credit bureaus will report that information to other users of credit reports. If you believe the way this information is reported out by XXXX or more of try credit bureaus does not accurately reflect the way it is being reported by Wells Fargo, you should contact such credit bureaus directly ''. 
With regret we sold our home & we have been renting a small home in a different state for 19 months. 
Our credit score has rebounded since the settlement. However ; We attempted to purchase a smaller home in a different state. We were denied. 
We attempted to purchase an SUV to accommodate our growing children. We were denied. 
XXXX of the potential lenders informed us that the government changed the terms during our rental period : '1 yr till forgiveness ' was modified to '2 yrs till forgiveness '. With the statements that Wells Fargo has published Our credit report states that we are undesirable & unfit. Even though we are now able to provide a deposit of over half of the total cost of a home or vehicle in a cash. We were taken advantage of by a large predatory lender : Wells Fargo. If you you are able to offer us clarity, support & / or guidance. We would greatly appreciate it. 
Thank you in advance for your superior support.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: eToro USA LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I signed up for an offer through XXXX to start an account with eToro, deposit XXXX, and receive XXXX XXXX. I have fulfilled the terms of the agreement with a deposit of XXXX ( 2, now, actually ) and have not been credited my bonus. Additionally, customer service has not gotten back in touch with me despite contacting them more than a week ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
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: Investigation took more than 30 days

Complaint:
Purchased a used vehicle and financed through XXXX XXXX. In XXXX the vehicle was flooded in Hurricane Harvey. The vehicle was towed out of the water after sitting in the water a whole day. It was sent to XXXX XXXX XXXX for inspection. They pulled the wet carpet out the vehicle and broke it down for inspection. It took my insurance company 6 months to finally get to the car and they denied it stating that there was no sign of water in the car. Well if a car sits out 6 months I'm sure that is plenty of time for it to dry. From all the water lines and mold in the vehicle there was no way I was letting it go. I filed an appeal and that took months. When we went finally to chexk on the car it was gone and XXXX XXXX XXXX could not explain nor could XXXX XXXX tell me where the car was. I have tried to resolve this matter and they have yet to respond or communicate anything concerning the vehicle. I don't know if it has been sold, crushed, sent to auction or just plain destroyed. Statue of limitations and far exceeded their ability to collect and they still have this on my credit when they know the car was flooded and I have not seen it since it was picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Atlanticus Services Corporation
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Fortiva. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute 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 2020-05-03
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by LVNV Funding. 


After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: LJ Ross Associates
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
L J ROSS ASSOCIATES IN Original creditor : XXXX XXXX {$200.00} Balance updated XX/XX/2021 i Never Open any Accounts with This Company This Account Is Fraudulent and its been Reported to my credit report i never open any accounts with this company and they are forcing me to paid them for something i never open with this company also been getting harassment phone calls from this dead collector and also fraudulent phone calls asking me to paid for this account i never open and also this collection account was place on my credit report XXXX and XXXX and requested for the credit reporting agency to dispute this Fraudulent account from my credit file i want for this company to stop harassing me to paid for Disputed With XXXX Disputed with XXXX Identity theft Account From Collection Agency

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I mailed my XX/XX/2019 credit card payment to U.S. Bank in a timely manner. The following month I saw that my account had not been credited for the mailed payment. I contacted the company and explained what happened. I was told that the XX/XX/2019 would not show up as a missed payment on my credit reports. Months later I reviewed my credit reports and saw that there was a late pay on my report. I contacted both the 3 credit bureaus and the company in an effort to get the late payment removed from my credit report but with success.

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 2015-06-01
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have went to numerous Wells Fargo Bank XXXX locations in Minnesota trying to open up a checking account with Wells Fargo Bank, but Wells Fargo Bank refused to open a checking account for me because of a fraudulent checking account someone who stole my identity opened up with XXXX XXXX. I sent numerous letters, copies of personal identification and police reports informing Wells Fargo Bank, I am a victim of identity theft. Wells Fargo Bank cleared my name, but wo n't open up a checking account for me all because XXXX XXXX notified Wells Fargo Bank about me being a risk because someone who stole my identity opened up a fraudulent checking account with XXXX XXXX using my personal information and made fraudulent transactions with the XXXX XXXX checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I initially contacted Target XX/XX/XXXX through the secure messaging system to request a covid-19 hardship assistance and was told to call their 800 number for this service. I called and was advised it was completed, and my account would be updated to reflect a monthly payment due to {$0.00}. When I tried to use my card a couple of weeks later I discovered that apparently did NOT happen, and I was reflecting a past due balance on my account which suspended the ability to use the available credit. I contacted Target on XX/XX/XXXX to see what was happening and was advised by a supervisor that the initial representative I spoke to in XXXX did not enter information correctly, so the update did not get processed correctly. She advised everything had then been corrected, and my account should reflect the changes in 2 business days. 

After a week of waiting a week, I reached out again on XX/XX/XXXX via secure message to inquire about the status of the correction and was told again to call the 800 number on XX/XX/XXXX for details, which I immediately did. The representative I spoke to on XX/XX/XXXX said the representatives I spoke to on XX/XX/XXXX had only requested my late fee be waived but still did not properly make the corrections for my covid-19 hardship so my payment would be updated to {$0.00} due for both XXXX and now for the upcoming XXXX payment and remove the past due hold on my account so I can use the available credit. Again, I was told it would take about 2 business days to process. 

It is now XX/XX/XXXX, and my account is STILL showing a past due balance and suspended from being able to use available credit. I am SERIOUSLY concerned a negative mark is going to be reported to my credit report and affect my credit score negatively due to Target 's incompetence to complete this request that EVERY other credit agency handles in a matter of 24 hrs. I am TRYING to be responsible with my credit and creditors during this stressful time, and Target is putting my credit at risk with this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-03
Company: EQUIFAX, INC.
State: NY
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 have disputed unauthorized hard inquiries on my credit report. I was told that they will conduct investigation. It has been over three months since my first dispute letter, I have not provided any record evidence of " permissible purpose '' despite me requesting that multiple times. 
These wrong inquires have significantly affected my credit score and my ability to obtain new credit. Especially in this tough time of COVID pandemic, it has created excessive stress on me and my family both financial and emotional. 
I have to report this matter to CFPB, Attorney General and Consumer Advocates ( XXXX XXXX XXXX, XXXX ) after persistent non compliance from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: CITIBANK, N.A.
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:
XX/XX/XXXX RE : XXXX XXXX XXXX SS # XXXX XXXX/CITIBANK Card To Whom it May Concern : In XX/XX/XXXX this account was reported as Late 30 days to the credit bureau. I have had a longstanding relationship with your institution for several years. 11 years ago Citi Bank afforded me the opportunity of my very first credit card. Since then, I have been able to continue to further my credit relationship with Citi and with other creditors. I can proudly say I have great credit. 
Account # XXXX was closed at my request months prior to the late pay being reported. I then went months without receiving statements and have had a very difficult time with logging into Citi Cards online platform. I recently requested that all of the statements from the last several months be mailed out to my home address. To this day, access to online banking has not been made possible. 
Considering the circumstances detailed above and the fact that I have been a longtime client with a great payment record and no other late pays of any kind on my credit file, I would like to respectfully ask for a goodwill deletion of the late pay off of my credit profile. This would allow me to restore my credit to the level at which it was prior to this late pay having reported. This seems fair considering the fact that statements never arrived, even after I requested to be taken off of online statements. 
Please feel free to reach out with any questions or concerns. Thank you! 


Best Regards, 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