BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am writing to alert this agency to anti-consumer business practices at Comenity Bank, a creditor that intentionally avoids making payments simple and certain for consumers and then irresponsibly and maliciously asserts undue control over their financial well-being. 

Detailed explanation of the issue : I used my Comenity Mastecard at XXXX XXXX in XX/XX/XXXX for the first time in more than a year. I mistakenly thought I had set-up autopay on this account only to remember when it was too late that this account doesnt offer autopay. As soon as I realized my mistake, I paid interest and fees amounting to 22 % along with the entire balance ( {$150.00} ). Comenity Bank reported my delinquency to the credit bureaus, and the delinquency is having a significant negative impact on my credit score, preventing me from refinancing my mortgage and taking advantage of tens of thousands of dollars in interest savings. 

I wrote to Comenity in XX/XX/XXXX explaining the situation and requesting a goodwill adjustment. With no justification, my request was denied. I then called and spoke with a manager who offered to personally request that the Credit Reporting Department reconsider my request. They again denied it with no justification. 

I called again on XX/XX/XXXX and spoke to two managers first XXXX, then XXXX, who told me that the denial of my request was final. Neither would share the list of criteria used to determine whether a goodwill adjustment is warranted, but XXXX confirmed that the size of the debt is not a criterion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: COAST PROFESSIONAL INC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/2018, I entered into an agreement with Collection Company : Coast Professional ,  Inc. ( on behalf of US Dept of Education ) XXXX XXXX  XXXX, XXXX XXXX, LA XXXX XXXX, made with XXXX Agreement to pay : {$880.00} on XXXX {$880.00} on XXXX and {$880.00} on XXXX This would be settled in full per our documented agreement. 

Per my XXXX XXXX XXXX account ALL payments came out of my account to US Dept of EDU DBE GRP XXXX XXXX XXXX DC on these dates : XXXX XXXX XXXX The problem is : Still, my credit reports report as unpaid with a balance of XXXX and reported monthly as in collecitons. 

I have disputed 3 times, attaching the Agreement, bank statement proving I paid and still they refuse to remove from my credit reports. 
Please help, I can not buy a house because of them not holding up their side of the Agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

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

This account is reporting late as reported in my XXXX and XXXX credit report. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-11-06
Company: AmeriCollect
State: WA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

AMERICOLLECT XXXX  Balance {$400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2019, Citizens Bank took out for auto payments for {$730.00} two times, I called them to resolve the problem, was told they would mail me out a check on XX/XX/XXXX of {$730.00} because they have no way of putting the money back in my account. Here it is XX/XX/2019 still no check. I have called them every week about this, was told it takes 10 to 14 business days to receive. Just called them on XX/XX/XXXX no check, we are going to mail out another check, give it 7 to 10 business days now. I want this resolved asap. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I have student loan accounts reporting on my credit that does not belong to me. I have never applied for this loan or any other credit lines on my behalf. I did not co-sign for anyone else to do so. This account does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-13
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 contacted Equifax in XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX about the collections listed on my credit report. I have made several attempts to take care of it. I shared with Equifax the accounts were not reporting accurately. There were several inaccurate items listed on the collection accounts from XXXX XXXX. Equifax sent back statements that said it was verified. I did not ask Equifax to verify the accounts. I asked Equifax to send me documentation or the proof they had since they stated it was verified. According to my records the items are not reporting accurately and must be removed. 

I sent Equifax letters asking I've asked Equifax to send me verification in XX/XX/XXXX of who they spoke to since it says, it was verified and they sent a credit report back in XX/XX/XXXX without verification which is what I requested. They changed the amount on the collections. Where did they get that amount from? Who are they speaking to? They are obviously not complying with the law. I am aware the law mandates them to comply with a consumer requests if they can can not provide the documentation or they must delete and they have failed to do comply with the law multiple times. I have provided documentation of a person signing for it, so they received the letter. I have proof of how they changed the information on my credit report without providing any type of documentation. Equifax continues to not comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
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:
During 2017, i was XXXX and and my mail and credit data was stolen. I reached out to XXXX and police reports. The account # XXXX ending in XXXX was not removed from Experian and XXXX and was removed from XXXX After nearly 3 years of trying to remove this single item from my reports I contacted XXXX and informed them i didtnt open this account and suspected it to be my ex wife or someone with access to my account or info. I paid the balance hoping this would resolve the issue. XXXX is reporting that they never recieved payment and have listed late payments and degratory info to the credit reporting which is 100 false. They have not provided that is was fraud and even further I assisted in tryign to pay the settle balance of the account. 

I XXXX XXXX am submitting this I have enclosed my ID, and address information

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 2018-05-06
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I switched hazard providers, and sent to Ditech Escrow department the balance of the escrow refund from previous provider with instructions to apply toward escrow. Ditech incorrectly applied these funds. The amount sent was {$1700.00}. Part was applied towards a payment and the rest towards escrow. This resulted in a much higher monthly payment. I called 6 times, spoke with a representative / manager and each time was told that this was recognized and corrected. It has not been corrected and when I now make my monthly payment, it ends up in an " UN-applied funds '' account. This has made me delinquent and causing negative credit reporting. No one has been able to correct my account, included manages that have promised my confirmation call or email to verify the correction of the misapplied funds. 
HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Since the inception of the loan my payment has been XXXX. I have made a payment of XXXX and was barely informed it is supposed to be XXXX and I have been getting charged a XXXX fee for paying it late?? I have never been made aware I was late and getting charged for it. Since the first payment was made in XXXX I have been paying more than I should have-XXXX. I have made 49 payments on a 72 payment loan. I would have loved to have been informed I was making extra payments to a late loan. I have attached an earlier statement from as late as XXXX that reflect no late charges. And then all of a sudden my payments are the same and there is a XXXX late charge on it. I attached a late statement reflecting that.

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 2020-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
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:
The account being reported by Portfolio Recovery is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX is in breach and Portfolio Recovery is attempting to collect a invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: PNC Bank N.A.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX new home was purchased and all property taxes were paid in full through escrow. 
XX/XX/XXXX PNC purchased mortgage loan from a different lender. 
XX/XX/XXXX Real Estate Taxes were reported as delinquent by PNC Bank. 
XX/XX/XXXX XXXX County Nevada County Property Tax Assessor stated real estate taxes were not delinquent. 

XX/XX/XXXX PNC Bank stated that XX/XX/XXXX tax installment was unpaid. 

We purchased property XX/XX/XXXX PNC Bank threatened to impose penalties and mandatory escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Experian Information Solutions Inc.
State: MO
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 filing this complaint due to no course of action being taken by the following Experian, XXXX, and XXXX. These accounts do not belong to me. These accounts are fraudulent. I have filed a complaint multiple times and have not been formally notified to a resolution to the accounts listed below. I am requesting that these accounts be removed from all three reports immediately. If these accounts are n't removed in a timely manor I will take further action against the credit reporting agencies. 

XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1200.00} Terms : High Balance : Limit : Past Due : Payment Status : Unpaid XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : {$340.00} Date Opened : XX/XX/XXXX Balance : {$8400.00} Terms : 64 Months High Balance : {$6900.00} Limit : Past Due : {$8000.00} {$8000.00} Payment Status : Charge-off XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : {$63.00} Date Opened : XX/XX/XXXX Balance : {$560.00} Terms : 9 Months High Balance : {$560.00} Limit : Past Due : {$700.00} Payment Status : Charge-off I also, noticed that the last payments have not been deleted on my student loans. I am also, going to file a formal complaint if this is not handled appropriately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-04-13
Company: Associated Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is using auto dialer to repeat calling my cell phone that I never gave to them.They are illegally collecting on a debt that is not mines and the harrassment needs to stop.I am ordering them to cease and desist as of now. I have no idea who they are dis not give out my cell phone to be XXXX  by auto dialer I will sue if I need to.And will be showing an Fdcpa attorney there letter.I already had a cease letter with the original creditor and I will take steps to sue. I filed with ftc due to this auto dialer.This debt is not mine so stop the harrassment. I had been harrasses to much. Someone stole my person information and now im constantly dealing with bogus debt collectores so do not call me nor write to me or harrass me or I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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: Their investigation did not fix an error on your report

Complaint:
Requested validation of debt. I keep on receiving notification that the debt has been validated. I have sent several request for validation and have not received any thing. This collection account was added to my credit report on XX/XX/2019 and I never received any call or letter in the mail from this company notifying me of any debt owed. I have been fighting for a resolution and I am not getting anywhere. 

Company : XXXX XXXX XXXX XXXX opened : XX/XX/2019 Amount : {$730.00}.

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 2019-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Due to hardship I had a Capital One credit card debt go to collection. The account was referred to Client Services for collection. I contacted Client Services and spoke with XXXX XXXX. He agreed to accept {$770.00} to settle the account ( see attached letter ). I sent the {$770.00} as agreed and they sent a letter that says the account was settled in full but that I owe {$510.00}. Then Capital One reported the account to the credit bureau as past due in that amount with no reference that the account has been settled and I no longer owe them ( see attached ). This is fraudulent collection practice and I need a letter that states the account has been settled and I no longer owe them and my credit report updated to reflect the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
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:
XXXX XXXX XXXX XXXX In the amount of XXXX is not my account and needs to be removed the credit bureau is not protecting my report from fraudulent accounts. 
Is Being put on my credit report and this is not my account. I requested for this item to be removed by the credit bureau and they have not done so I contacted the company the credit agency And asked for signed contracts or dL or anything that shows this is a true account of mine. The collection agency sent an unsigned contact that was made up and bogus to try to get money from me. This is not my account and the credit bureau has not removed off my report. I am sending over the bogus fake fraudulent contact that the collection agency sent me. This again is no account of mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: SUNTRUST BANKS, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
As of Friday, XX/XX/2019, Suntrust bank took overdraft fees from my account on five transactions in which I have money in the bank. Two transactions are still pending that was done on the same date ( Wednesday, XX/XX/2019 ) that the five transactions that the overdraft fees were taken from and were not charged the {$38.00}. One transaction from XXXX was withdrawn on Thursday, XX/XX/2019, however, it is still pending and not cleared as of Friday, XX/XX/2019. I also received a deposit of {$240.00} on Friday, XX/XX/2019.

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 2018-01-29
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was negotiated through XXXX XXXX. which was paid. Still reporting to credit companies that the debt is still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
In XX/XX/2019 I started using XXXX XXXX  services to clean my credit report. XX/XX/2019, XXXX XXXX successfully attempted to remove 9 accounts of public filing/bankruptcy off of my Equifax credit report. XX/XX/2019 Equifax left the other accounts alone but, placed the public filing  back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: EQUIFAX, 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:
Equifax was contacted over 30 days ago regarding items that were not verified correctly as mine. Equifax has not responded as well. the company hasn't provided information either. I've attached supporting documentation and information. This is a serious error in reporting and I would like this matter to be resolved.Equifax reinserted and added without my knowledge. Also, keep reporting the account to further drop my score. Accounts appear to be duplicates as well. I have no knowledge or obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: Harley Davidson Financial Services Inc
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
Harley-Davidson will NOT STOP running my credit. I've been there ONCE and I have several hard pulls that I DID NOT authorize. I do not answer their calls for a reason. The salesman are pushy, to the point where it's getting slightly weird.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I been trying to get this wrong info off my credit for a long time but the credit bureaus arent helpful. Please help

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