BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-18
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
Two credit accounts were opened fraudulently. Navy Federal Credit opened XX/XX/2017. XXXX XXXX XXXX installment account opened XX/XX/2017.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Bread Financial Holdings, Inc.
State: TX
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:
On XX/XX/XXXX XXXX XXXXXXXX XXXX   XXXX Also, On XX/XX/XXXX XXXX XXXX, XXXX XXXXXXXX On XX/XX/XXXX XXXX ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX, XXXX XXXX no information given on credit report ) On XX/XX/XXXX XXXX XXXX XXXX pulled my credit. 

I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: LDF Holdings, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, out of desperation, I foolishly turned to a predatory payday loan lender. I borrowed {$700.00} and did not fully understand the ramifications. I made my first payment on XX/XX/XXXX in the amount of {$170.00}. On XX/XX/XXXX, XXXX XXXX deducted not the {$170.00} payment, but {$230.00}. This was not to be my payment amount. Despite having paid {$400.00}, my online account shows I still owe {$810.00} on a {$700.00} loan. This is outrageous! If I pay another {$810.00}, I will end up paying {$1200.00} on a {$700.00} loan. That is {$520.00} in interest. 75 % interest!!!!! This is predatory and greedy. My loan documents actually show the interest rate as 672 %!!!!!! This must be illegal!!!!! 

Since I have paid {$400.00} on a {$700.00} loan, my balance due without interest is {$290.00}. In South Carolina, payday loans can only charge {$15.00} per {$100.00} borrowed. Since that is my state of residence, I should only have to pay {$100.00} in fees. I should have a balance remaining of {$390.00} NOT {$810.00}. 

Since XXXX has already lied to me and changed my payment amount, I now want to reach a settlement to pay off the {$390.00}. I will pay the following : {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$50.00} paid on XX/XX/XXXX {$49.00} paid on XX/XX/XXXX I will make my payments via check mailed to XXXX. I have revoked XXXX  's authority to automatically take money from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i made a purchase of {$1600.00} on XX/XX/XXXX using Affirm credit and returned the item due to if not fitting well. I received confirmation of the return and the full credit issued to affirm on XX/XX/XXXX. On the same day, Affirm credit company is charging me a fee of {$79.00} which appears to be the full interest fee. They have not given me a prorated rate given that I had the product for less than 2 weeks. I find this to be predatory and exploitation. I have the same challenge with 2 other transactions that I used with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I discovered the identity theft and notified XXXX XXXX XXXX on XXXX XXXX. After several months and contacts, I received a notice from XXXX that it is a fraudulent account and was closed. Today XX/XX/2022, I received a notice from a debt collector MRS BPO LLC that they are trying to collect {$200.00} on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
APPLICATION ID : XXXX On XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e . 
Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. 
Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. 

I have attached links to congressional law for reference. 
https : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX https : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: ZARVAD III S.A.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had a financial emergency and took out an online payment with this company sometime in XXXX i paid off the loan and then re loaned and then had a medical issue and was off of work for a period of time and unable to pay, i sent several messages requested a payment plan and was denied a feasible plan that worked for me, so I then sent a letter to revoke ACH payments being taken out of my account.. on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in had email conversations with someone named XXXX again with no resolution. 
Today XXXX, my mother and ex husband both reached out to me that someone named XXXX XXXX from XXXX XXXX was calling regarding a complaint I filed and inquiring about my address and personal information. this person mislead the callers was mischievous and malicious about getting my personal information, this person was very unprofessional when I called back was in fact laughing when i told him how he went about reaching me was unprofessional. I am very upset. when asked about company information he was hesitant and then provided the business address as XXXX XXXX XXXX XXXX, New York. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Incomm Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My card was fraudulently used in a XXXX in California. I purchased the card in XXXX North Carolina at a XXXX. I have the card and purchase receipts in my possession. I have submitted a dispute ticket with : DISPUTE RESOLUTION TEAM XXXX XXXX XXXX XXXX GA XXXX I keep trying to contact them and they do not respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In late XX/XX/XXXX, I asked to have my payment lowered ( {$2000.00} per month ) for an income-based repayment plan. I provided the correct amount of my income and provided the documentation in the correct timeframe. I was then placed on a forbearance dropping my credit score by 20 pts, but not for a single month as I asked. It's until XX/XX/XXXX. I didn't miss a payment and am in no way derelict. I called Nelnet and tried to resolve the matter and all the respondent did was repeat that I was under obligation to fulfill my promissory note. I still don't know what's going on or how to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has sent my wife and me multiple debt letters. See attached.

The letters are defective in the following ways : 1. No patient name. In our family are : my wife, son, daughter and myself. The letters do not indicate who supposedly received the medical services in question.

2. No date of services. The letters do not have the date ( s ) that the services were supposedly provided.

3. No description of the services. There is no statement of what kind of medical services were provided.

4. No name of doctor ( s ). The letters do not indicate the name ( s ) of the physician ( s ) providing the services.

There is no way from the XXXX bills we can ascertain the reasonableness of the demands for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never heard of this company before yet they have arbitrarily decided to show up on my Credit Report. They did not give me any notice of my right to dispute the debt and are in violation ( s ) of the California Rosenthal Act and it's federal counterpart the Fair Debt Collections Practices act.

I have never heard of this company in my life. I have also sent them a request to validate the debt, which is attached. I have faxed it and sent it to them via certified mail. According to the law, they are required to cease all Credit Reporting until they can abide by the FDCPA and FCRA.

I wanted to attempt to resolve this through the CFPB instead of filing a lawsuit, but of course, that will be next if they do not remove this item from my Credit Report ( s ) right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX added the following unauthorized charges to my credit card account in the amount of {$3700.00} during transaction : The following items have been marked on as Not Receivedmeaning items were not requested for purchase, but appeared on an unsigned invoice and physical product was not given or sold to customer. 
1. XXXX XXXX XXXX XXXX {$270.00} 2. XXXX XXXX XXXX {$240.00} 3. XXXX XXXX XXXX  XXXX {$100.00} 4. XXXX XXXX XXXX XXXX XXXX {$190.00} 5. XXXX XXXX XXXX XXXX  XXXX {$190.00} 6. XXXX XXXX XXXX {$170.00} 7. XXXX XXXX XXXX XXXX XXXX {$2000.00} 8. 
I contacted XXXX XXXX of XXXX via phone who assisted me during my visit at the store. I made the call on XX/XX/XXXX at XXXX at XXXX to let him now the issue with billing. He told me that that I am mistaken and was not receptive to my explanation. The following are dates and times I called XXXX in an effort to rectify my being charged for merchandise I was never sold : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX The Merchant refused to assist me and denied any wrongdoing. 

At this point I initiated a fraudulent dispute claim with CapitalOne Credit Card ( this was the card used for the transaction ) CapitalOne Credit Card provided me with documentation that XXXX  have provided to support their case for valid charges on my account. Upon reviewing the documentation submitted by the merchant, XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX it became apparent that the copy of receipts presented fraudulent signatures that were duplicated Im two separate days and in two separate timestamps along with falsified subtotals.

CapitalOne Credit Card sided with the merchant an overturned my fraudulent dispute claim in their favor despite the obvious falsified documentation submitted. 
CapitalOne customer service informed that despite the documentation submitted by the merchant present as falsified, XXXX is the one that is accepting the merchant documents that includes falsified signatures and timestamps, dates and incorrect subtotals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: M&T BANK CORPORATION
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did a consumer credit transaction for the purchase of my home however I did not receive a meaningful explanation of the credit terms and I did not receive my right of rescission notice with rescission forms which are required material disclosures under federal consumer credit protection laws. This violated my rights under the Truth in Lending Act 15 USC 1635. MANUFACTURERS & TRADERS TRUST/ XXXX XXXX are the assignee 's of this alleged obligation and pursuant to federal law 15 USC 1641 ( c ) I have the right to rescind the consumer credit transaction against any assignee of an obligation. On XX/XX/2021, I, the consumer, exercised my right to rescind and rescinded this consumer credit transaction against MANUFACTURERS & TRADERS TRUST/ XXXX XXXX XXXX On XX/XX/2021 MANUFACTURERS & TRADERS TRUST/ XXXX XXXX received my affidavit and rescission of the consumer credit transaction. I have attached copies of the certified mail receipt and green return receipt for proof of delivery of rescission forms.

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 2018-01-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been disputing these two account for about a year with no success. I have sent supporting documents and get the same results. The furnisher has not been reporting accurate information. The credit bureaus have not verified the furnishers reporting base on the documents I sent. Also the account history has been modified. The first delinquency date has been changed which is against the law. The furnisher of the data is XXXX XXXX XXXX.Account number XXXX and XXXX One of the Credit Bureaus XXXX has deleted account XXXX due to the age of the account. according to the law you must report 100 % accurate information. The balance is inaccurate and the history is inaccurate the first reporting date is inaccurate the account is close this not a new account which the furnisher reports as new. The credit bureaus response this account has been verified as accurate how when the the history and my supporting document clearly show discrepancies. The credit bureau must verify all information before publishing This has hurt my credit standing please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Ashfield Management Services Inc,
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a debt from the XXXX XXXX XXXX XXXX in XXXX XXXX at XXXX XXXX Hospital in XXXX, Pa. This debt was transferred to XXXX and I have been making monthly payments. Several years in XXXX stopped sending me statements about my debt. I would call statements would resume, for a year then stop. The only way I receive a statement is by not making a monthly payment, which XXXX then attempts to void my monthly payment plan. I filed a complaint with the BBB and was advised I would receive statements, which I have not. I filed a complaint with you, complaint XXXX, that XXXX states was not with them which was concerning because they are cashing my checks. On XXXX XXXX I received correspondence due to not making a payment in an attempt to know the balance and the letter states from XXXX. I never received any notification that my debt was being transferred or that XXXX is now XXXX. I am asking to receive statements in an effort to know what is owed, who I am paying, that my payments are being applied.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-15
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXX University from XX/XX/XXXX to XX/XX/XXXX online out of state. They are currently under a lawsuit settlement & have paid off or forgiven former students loans. I'm wondering why I have not been contacted & this outstanding loan of {$69000.00} is showing on my credit incurring interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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 have a loan with CREDITACPT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CREDITACPT with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-02-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo is in breach of our mortgage contract. They are withholding more in our escrow account then what is clearly agreed upon. They flat out refuse to explain why. I have tried to get a explanation out of them but all they do is deflect and double talk every time I ask a direct question about why they are with holding more then what is required. This is typical for this company. They have a bad reputation and I feel uneasy dealing with them.

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 2018-11-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
this is unacceptable its not my mine fault, they need to take that up with XXXX XXXX XXXX how can you hold me liable for another bank error cfpb violation

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