BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-21
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had an account with XXXX XXXX, I made one purchase, ( around {$130.00} ) paid that purchase in full but was late a few days with the payment. I then paid the late charge ( {$27.00} ) after speaking with the agent on the phone, the would not take a phone payment at that time without further charges so I made the payment myself and asked the agent to close my account, which they did. The payment posted 2-3 days late so they charged me yet another late charge for the late charge payment. The bank agents have been calling me at home, work and even my in-laws house harassing me to pay them for another late charge. ( I told them I would just return the item ). They said I couldn't do that. They have sent me to collections, ruined my credit score all because they wanted me to pay them more money for and item I paid in full for and paid a late charge for. This has been going on for months. Calling every day, then calling my work, saying they are going to turn it over to their attorney 's to sue me. It's just an awful bank and should not be allowed to be able to treat people this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Lendmark Financial Services
State: AL
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:
I have inquiries on my XXXX  report that I dont recognize and I tried calling all the companies they dont have any clue why they on my credit. Report I didnt try to apply for any credit I want those inquiries removed off my XXXX  credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions 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:
On XX/XX/2021, I filed an dispute about incorrect information showing on my credit report and it's be well over 30 days and I haven't received any investigation results.

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 2020-07-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2020 consumerfinance.gov Consumer Finance Re : Payoff Company PHH Mortgage Loan : XXXXXXXX To whom it may concern : I sent a check in the amount of {$4700.00} to PPH Mortgage and they put my money into a suspend account on XX/XX/2020. They did not credit my account. Today, XX/XX/2020 I call XXXX the manager at PHH Mortgage, he said I could not pay off my account without a payoff quote. He ordered me one and it could take one to two I believe this is unfair, Im still paying interest on my loan on my current principle balance of {$4600.00} and they are getting interest on my money. 

Please help me get my loan payoff. My ID for the last complaint against this company is XXXX. The corporate office for PHH is XXXX XXXX XXXX, NJ. 

If you have any questions, please call me at XXXX. 

Thank you for your help in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Sensible Auto Lending, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I was under the impression that my lease was up in XX/XX/XXXX so turned in the Vehicle a XXXX XXXX XXXX XXXX XXXX .I was told that I could do this and everything would good, well that wasn't true. I was completely lied to. 
My lease wasn't up until XXXX of XXXX so now after XXXX told I could return the car and I would not have any charges now I'm bein charge {$22.00}, XXXX. How could they lie to me about this? I would have never return the car early if I knew they would charge me this much. I do not feel I should owe {$22000.00} after they said it was ok return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: AMERICAN EXPRESS COMPANY
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 report my Amex card lost in XXXX and then also dispute fraudulent charges as well on my account. 

A dispute was report for the lost card XXXX XXXX travel Was fraudulent and I didnt travel out of XXXX in 2017 around XXXX or XXXX to XXXX never been to XXXX but Amex continued to charged me {$12000.00} interest on this charge on top of my outstanding. 

I have numerous times and they explanation just take out the {$12000.00} out of it and not remembering that they have compounded the interest on top of the fraudulent charge to XXXX. 

I also want to note that my XXXX XXXX XXXX never signed up for any Amex card. Why is it being false reporting on my credit. XXXX XXXX XXXX its an incorporation business and never signed up for an Amex card. 

I XXXX XXXX personal owned an Amex card which got stolen and Not the XXXX XXXX XXXX business. 

XXXX XXXX has now had damages to its credit line for the false reporting claims against it and have been discriminated against by banks because of this law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I logged in XX/XX/XXXX to make a payment that was due XX/XX/XXXX, when I selected the make a payment option I received several errors that prevented any payments. I took a screenshot of the messages, i attempted to email the items but Capital One didn't have an option to email or chat. Because I was traveling abroad I didn't have an option to call. I got back into the states Monday and attempted to make a payment again, and again received an error message, I called in and spoke to a technical support representative and they were able to help me get the error message cleared. I also asked can they waive the late because of the error with their website, and the representative was able to have the late fee reversed. My account is in a temporary restricted status for 4 months and should have been lifted after this payment. I asked the rep and she replied that it was still in a restricted status but used the term " permanent ''. This lead me to ask more questions because I had never heard of this status and I blatantly ask the rep if my account is closed, she replied no several times but was very elusive with the verbiage. But after being transferred to a supervisor, closed and permanently are virtually the same thing, closed is just customer initiated. I asked why there wasn't a notification sent telling my account is " permanently '' restricted versus temporary restricted as I'm signed up for virtually all notifications. She had no answer, and basically said it was on me to login if i wasn't receiving notifications. I am confused because waiving the fee was acknowledging that there was faulty on behalf of Capital One because of the website issues but they won't move my account back into the temporary status which was due to the error. I just want my account to be moved to a temporary status with the option to have it fully restored. This isn't the first time calling Capitol One about website payment issues but this is the first time I've put up a fight and Capital One showed their true colors. I attached the error messages from XX/XX/XXXX and from XX/XX/XXXX showing that the payment options never displayed just showed a loading icon then an error message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-22
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX.Account number XXXX and Account number XXXX In those2 months I have not received the requested information for verification of these account. I have asked numerous times for a valid response. I have not received anything in response from this bureau in over 30 days as well. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am a cosigner on an auto loan with the 5th Third bank. I co-signed the loan in good faith and all auto payments are made on time and the account is up to date. Yet on a daily basis I receive calls from 5th Third Bank trying to collect money for unpaid auto loan balances which don't exist. I signed as a co-signer on a auto loan for my son-in-law and daughter who maintain the account in good standing. I have on a daily basis explained this to 5th Third Bank to no avail. It seems, short of changing my phone number, I'll not be able to stop this attempted false collection of debt without your help. I am harassed daily by the collections department of 5th Third Bank for collection of non-existent debt and yet when checking with the 5Th Third Bank Loan Department by my son-in-law everything is up to date, no overdue payments etc. The bank has threatened reposition of the vehicle if these non-existent overdue payments aren't brought up to date. How this bank can harass an up to date account in this manner I simply don't understand. I actually have little information on this account except I do have the account number which I can provide you if necessary. Any help you can give me in this matter will be greatly appreciated. I am simply tired of the daily harassment by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I submitted an application for a credit card with Ally Bank Credit Card Services. I provided documentation related to bank statements and other identifying documents. In this files, my legal name was listed and the department decided to use a misspelling of my name after several calls requesting the information to be corrected. I have reached to a XXXX, a supervisor at the department that remain unable to be respectful about my issues with having my name miswritten on banking documentation. I had to fax legal documents stating my name and the issue has not yet been resolve and they refused to issue a new credit card after a supervisor promised that a replacement card would be issued. 

I believe this all furthers their racism and discrimination to people from diverse families and that it violates my rights as an applicant and a client.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Spoke to this representative and a letter was sent to the bureaus to remove this item from my credit and its still on my report This item should be removed from my report and the bureaus still reporting this collection account as valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card
Issue: Other fee

Complaint:
I attempted to pay my bill for my Target Red card online. After 5 days after processing my payment i receive a letter stating that my payment was rejected. I logged onto my Target account and noticed a {$25.00} returned payment fee so I contacted Target customer service. After confirming that my banking information was correct they informed me that they could not refund the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On or about the date of XX/XX/XXXX, Equifax reinserted 2 collection accounts onto my personal credit report. Both accounts had been previously disputed & subsequently removed from my report. I did not receive the legally required 5-day written notification, nor did I receive notification of any kind. 
The 2 collection accounts are listed below : RECEIVABLE ORIGINAL CREDITOR NAME : XXXX   XXXX OPENED : XX/XX/XXXX BALANCE : {$460.00} XXXX XXXX XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX OPENED : XX/XX/XXXX BALANCE : {$830.00} I have tried numerous times to submit a dispute to Equifax in regards to this matter. As they completely eradicated most of my credit history on or about the same date of XX/XX/XXXX, I have been unable to verify my identity to access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I voluntarily repossessed my vehicle with Alley Financial due to losing my job. The vehicle was picked up, taken to an auction and sold for profit. Alley Financial then sent me a balance due that included two months car note, towing and recovery fee, auction fee and a storage fee. The vehicle was also charged off for tax purposes where as Alley Financial received a tax break. This should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Experian Information Solutions Inc.
State: PA
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 once had a joint credit card with my now ex-husband ( XXXX XXXX XXXX ) with XXXX  and XXXX XXXX XXXX XXXX in XXXX, PA. Per our marital settlement agreement filed in XX/XX/XXXX in XXXX County, PA, my name was to be removed from this account in some manner by him upon our divorce ( which was granted in XX/XX/XXXX ; see attachments ). Currently, my XXXX credit report shows this account as having closed in XX/XX/XXXX. However, I recently noticed that my credit scores dropped considerably, due to the creditor having reported a negative change in the account 's payment status and an increase in the balance. For example, per XXXX XXXX, my XXXX  decreased by 41 points on XX/XX/XXXX due solely to the increased balance of this account ( see attachment ). 

I filed a dispute about this information in early XX/XX/XXXX with Experian, XXXX, and XXXX. The first two credit reporting agencies have closed my dispute and have made no change to my report, claiming that the account information is correct. I simply don't understand how this is possible -- my name has been removed from this account per court order and the credit bureaus themselves all list this account as closed. I do not bear any responsibility for this account as of the date of my granted divorce decree, and yet both Experian and XXXX  have refused to remove this negative item from XX/XX/XXXX from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Experian Information Solutions 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 the XXXX report showing that the Chapter XXXX has been removed from due to inaccuracies. I have already disputed this several times ; however NONE of the bureaus have actually taken the time to reach out and do a full investigation with XXXX. I requested that XXXX send me a complete report XXXX attached ) which will show that the Chapter XXXX is no longer on the report. It needs to be removed from each credit file immediately. As this is my 4th time doing this. Also, I have attached from each bureau the Information for XXXXExperian Consumers form that is on each dispute completion that clearly states that XXXX provides public record information to credit bureaus. The entire report is XXXX pages ; please read thoroughly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX contacted me about credit card debt that doesn't belong to me. They have not provided me with information on where the charges came from and even called my husband who they say is not on the account and gave him all the information like account number and amount owed and tried to get him to pay this. They say it is from 4 years ago and they are just contacting me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX XXXX XXXX sold or sent the loan to XXXX XXXX XXXX. I was working with XXXX  XXXX XXXX company to consolidate my loans. I spoke with one of XXXX loan officers to let them know I was consolidating my loans. They tried to get me to consolidate with their company and I declined. They told me my loan was going to be charged off as default. I said Im working with a loan servicer now. I was told if I made a payment it would keep the loan from default until it was consolidated. So I made a payment. My loan was paid off by XXXX  XXXX and consolidated but the XXXX still reported my loan as a negative and charge off. I have sent in disputes and tried to reach them but they havent corrected my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Home Depot card # 1 with closing date of XX/XX/XXXX amount - {$64.00} # 1 charge for ( + ) {$90.00} on XX/XX/XXXX with closing date of XX/XX/XXXX shows - {$65.00} balance.

# 1 statement with closing date of XX/XX/XXXX shows -.XXXX  credit Home Depot card # 2 charge for ( + ) {$96.00} on XX/XX/XXXX with closing date of XX/XX/XXXX shows balance {$96.00}.

Payment made XX/XX/XXXX for {$64.00}.

# 2 credit return XX/XX/XXXX -XXXX   with closing date XX/XX/XXXX shows balance {$91.00}.

Payment made XX/XX/XXXX {$91.00}.

# 2 closing date XX/XX/XXXX shows balance {$120.00}. 
# 2 closing date XX/XX/XXXX shows balance {$56.00} I called and faxed POA as this is my XXXX year old sisters card and asked why they would give an individual another card if they already had one and they said they can issue up to three accounts for the same place for one individual. I told them that was rather convenient for them as older people do not even realize different account numbers. I have tried to reason with them but now POA, they say was only for one account, if I have her POA it is for all her financial dealing.

All I now is there were two charges for a total of ( + ) {$180.00} one return credit ( - ) {$32.00}, payment XX/XX/XXXX ( - ) {$64.00}, and payment XX/XX/XXXX ( - ) XXXX. They owe her .XXXX NOT she owes them {$56.00}

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 monetary relief