BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
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: Account information incorrect

Complaint:
I owed a amount to XXXX and the debt was forgiven due to a total and permanent XXXX program. I have contacted them before and they stated they would remove the debt from the credit reports and I have a letter saying such but I have not seen a change in my 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 2017-12-23
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit reporting Companies suddenly Lower my score for no reason.About 79 points with XXXX and 73 points with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Wells Fargo employees stole my ID and applied for loans in my name from the SBA and open accounts at their facility. I was forced to freeze my account and cards. Wells Fargo refused to contact the credit bureau to remove the inquiry from my report.

This has prevented me from using my accounts to buy gas or opening any other credit

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 2020-10-15
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
FedLoan has incorrectly held my XXXX payment as " ineligible '' towards my Public Sector Loan Forgiveness payments. It alleges my payment was made outside of the 15 day window of when it was due,  however, my payments are always due on the XXXX of the month and my payment was made on the XXXX of XX/XX/2019. Therefore, my payment was made within the 15 day window. I would like this corrected immediately.

I have attached screenshots, the payment history, and the XXXX billing statement to show the due date of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Bread Financial 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 is missing that should be on the report

Complaint:
None of the three credit bureaus have my comenity XXXX  XXXX XXXX reported. It is unclear if the credit card company reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have requested proper legal documentation from XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX .XXXX XXXX XXXX   XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX {$690.00}. and {$520.00}.. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: WA
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:
The following inquiries done by XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX, XXXX were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
- I've been trying to close this loan for 3 months after I was pre-qualified and provided income payment stubs, statements of accounts and taxes forms. I work as both employee for a XXXX XXXX and also XXXX as XXXX in XXXX XXXX. 
- I formally applied on XX/XX/XXXX under PenFed ( Loan Number XXXX ) - PenFed asked me to provide proof of precedence of several deposits in my statement of account which I did ( all deposits were checks and one transfer between my accounts ). 
- Now PenFed is asking me to provide invoices for legal services I rendered related to checks deposits registered in my account. I can not provide details or copy of my invoices because I provided services as lawyer and that will violate attorney-client privilege ) - None of the deposits exceed {$7000.00} and I reported and paid taxes for my professional services rendered XXXX. 
- I believe PenFed is going beyond what is needed to evaluate my income and payment capacity

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 2019-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have ben with capital one for over 19 years. have 5 cards with capital one. opened up cards in XXXX XXXX 19 years of on time payments. not one payment late ever in 19 years. also my credit report has me reported as 25 years of on time payments. never late once in 25 years. I have been trying for 19 years to get capital one to give me one credit card increase .on just one of my cards let alone 5. I have tried over 8 times in my 19 years. just tried again on XX/XX/XXXX every time it has ben one excuse after another. the last time they told me the economy was bad at the time. I told the super visor. I have ben a retired XXXX  for over 25 years. and the economy does not affect me like a lot of people. she told me the economy affects every one including her hung the phone up on me. on XX/XX/XXXX was sent 5 letters from capital one. I was denied a credit in crease because your average monthly payment is to low .and my finical obligations are to high come on 19 years of not one late payment on 5 cards with capital one. I give up .and just will not stand anymore excuses from capital one. they have treated me like XXXX and pretend to not care abought me or my 19 years of on time payments. I have such longevity on my credit report with the 5 cards if I cancel them out my credit scores will be a mess. I aso have a XXXX credit score right now. and have ben told buy my CFP my scores should be above 800. capital one has kept me from getting my 800 credit scores to stay at XXXX to XXXX because of no credit card increase in 19 years. please help me with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Capital One Auto marked me 30 days late on XX/XX/2017 and I have been trying to fight this for months. I have still yet to receive any help. I had this account for about 6 years and I never made a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: WA
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:
XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX are not my accounts, I did not sign up for an account with these creditors. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Experian Information Solutions Inc.
State: WA
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:
CHAPTER XXXX BANKRUPCY : BANKRUPTCY XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false 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 2019-02-25
Company: Diversified Consultants, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a debt collection agency called Diversified Consultants that is claiming that I owe {$1300.00}. I do not owe this debt. XXXX took it off my report on XX/XX/2018. A month or so later, this collection appreared on my credit report again. I have disputed this account several more times. Also, I recieved a letter on XX/XX/XXXX from this debt company saying that my account was disputed and they will cease collections on the account. Can you please have all three credit bureaus take this off my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: LDF Holdings, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan from Loan At Last for roughly {$500.00} almost a year ago ( I believe XX/XX/XXXX orXX/XX/2018) and have been getting $ XXXX taken out of my bank account every two weeks ever since. The interest on this loan is near or exceeds 800 % at this point which exceeds the usury limit for Massachusetts. I would like this company to stop pulling money out of my account and to refund me the interest I have been paying for almost a year now. I have had about $ XXXX in total taken out of my account for a {$500.00} loan. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
First off I want to start by saying this is my third filed complaint with the CFPB on TD Auto Finance. I want to know when enough is enough? On XX/XX/XXXX, my wife made a payment to my account ( account # XXXX ) the payment was applied to my wife 's account for some reason, showing that I was late making my payment and behind by 2 payments when I was NOT. I called TD Auto Finance and they did not seem to help, therefore I submitted a complaint through the CFPB and I was answered and it was apparently corrected ( Please see in the attachments the letter dated XX/XX/XXXX written by XXXX XXXX - Problem Resolution Service Representative ), included in the letter was also a statement showing all my on time payments and that I was not behind. I recently received my new monthly statement for XX/XX/XXXX payment. This time my new monthly statement says I am {$3900.00} behind when I have made all my payments on time. This is by far the most ridiculous situation ever. I make my payments on time every month and I have every bank statement to prove it. I continuously have to contact the CFPB to get these situations fixed when they should be fixed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: NRA Group, LLC
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:
National Recovery had refused to send me verification on the debt from the original creditor as stated by FCRA requirements. I called and requested an invoice for the amount. The representative also stated that doing so violates company policy. In response, I had my attorney send a formal letter with the same request to which they have not responded.

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 2018-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am not employed at XXXX XXXX. I am a XXXX XXXX. Please send verification of change to me 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 2018-04-03
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX, I chose to use XXXX miles for an approximate {$100.00} travel credit as part of the Barclay Rewards program. I clicked the {$100.00} XXXX XXXX credit item then cancelled the transaction discovering that it would make more sense to use the {$550.00} credit item from the XXXX  XXXX which expires on XX/XX/XXXX. The payment was canceled but I lost the XXXX miles leaving me with only enough miles to apply an {$89.00} annual fee credit item. I immediately called Barclay at XXXX to request my points be returned which they refused. I escalated the issue to the Office of the President for consideration. The Barclay service manager said I could fax or send a letter to the Office of the President, Attn : XXXX XXXX - President, XXXX XXXX, XXXX, DE XXXX. Barclay offered no electronic option to file a complaint. Meantime, I have posted a payment in full for my account balance due XX/XX/XXXX. The service reps at Barclay were professional but it was clear they lacked any authority to resolve this simple issue of returning my XXXX reward points forcing me to mail a letter to the president.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Professional Accounts Service, Inc. (Indiana)
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX was extremely verbally abusive towards myself, and my husband. He used foul language, told me that I was stupid, and indicated that I need to pay my debt because it is " pocket change '' to most people. 

During a national pandemic this company, and this man, have incessantly been bothering me beyond comprehension. Their tactics are mean, abusive, and illegal. Something needs to be done about XXXX XXXX. 

If the bank can honestly say they support this type of tactic for collection matters, then word of mouth will surely begin to circulate.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
All three major credit bureaus Equifax, XXXX and XXXX have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit  bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. 

According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors,  employers, financial institutions, and a host of others. 

My wish is for the Federal Trade Commission and Consumer Financial Protection Bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. 

All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. 

Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. 

Consumer would also like to thank the Federal Trade Commission and Consumer Financial Protection Bureau for protecting her/his Personal,  Family, and Household.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: TD BANK US HOLDING COMPANY
State: NC
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 filed chap XXXX BK in XXXX and among the creditors listed was TD Bank. This BK was discharged in XXXX XXXX. 

On my credit report for XXXX XXXX this account showed XXXX balance and closed. 

Then in XXXX for some reason TD changed this status to open, and with a XXXX balance. 

By my request, my bankruptcy attorney XXXX XXXX sent a letter to TD Bank ( attached ) asking that they correct the innacuracy. 

To date, TD has not done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
went truck shopping for a certain truck which was a XXXX XXXX XXXX or higher. found car stars on XXXX of a XXXX XXXX XXXX XXXX XXXX fully loaded sunroof navi the works in stock forsale at this lot., i called i spoke with XXXX , invited me in too view the XXXX XXXX. i have all documents for proof also. im not a car expert i have very little knowledge about cars/trucks. The truck had no sunroof as described in ad. but that was ok. i purchased the vehicle as an XXXX model which is the middle class of the XXXX. i thought i got a good deal until i went too XXXX dealer for an oil change they made me aware of the true model of the truck which was the lowest model of the XXXX for that year, the dealer charged me for the XXXX version when i had the XXXX version cheapest model. XXXX i paid for down payment. contacted the dealership and made them, aware of the findings they told me i was wrong and that my information was wrong and that it was an XXXX model. it was not, i sent over paperwork stating what the truck was and how can we work this out. dealer didnt want too make new terms for vehicle at correct pricing, so i returned the truck a few days later.. i was told no one gets too ride for free after bringing a vehicle back too cancel deal so i was charged a rental fee and damage to the left side driver rear view window that had a scuff on it from sitting on the lot for several months. dealer on refunded me XXXX out of XXXX for rental fees and a mirror that was already scuffed up when i purchased. i was charge more taxes then usual missing paperwork, miles were submitted wrong to finance company to recieve more monies for the truck and it was not even the correct truck trim that was submitted, if it were the would have not loan that amount. its alot of fraud being done at this car dealer.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I took out a loan with XXXX XXXX dba XXXX which was sold and paid off by the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX in 2005. I keep receiving alleged payment stubs from a company called Select Portfolio Servicing ( SPS ) which as nothing to do with this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation