BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-24
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I would like to report Belk clothing store for high pressure sales. I work at the store in the store in XXXX XXXX Louisiana. There are times when the managers are paying cash to the employees when they run a credit application. There are also high pressure sales goals set for the employees. One employee was expected to get fifteen applications in one day in order to meet a goal. I also know that employees fill out applications for family members and friends just so they won't get in trouble with management. 

To be fair, I honestly do not think this pressure is not coming from local management. This behavior is demanded from higher levels of management.

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 2016-09-20
Company: FORD MOTOR CREDIT CO.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
CREDIT REPORTS SHOWING A 30 DAY LATE XXXX 2015. WHEN I PURCHASED CAR, WE WERE GIVEN A 0 % INTEREST FOR 75 MONTHS AND FIRST PAYMENT DUE IN 90 DAYS. WE TALKED OF THIS VERBALLY. BECAUSE IT WAS NOT WRITTEN IN CONTRACT THEY DID NOT HONOR THE 90 DAY NO PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I recently had a dispute with Equifax when they would not take a collection off of my credit report. Well, when I paid for an Equifax credit report and an XXXX  report I was shocked at what I saw. While Equifax claims a XXXX ( Good credit score ) and they say XXXX  has a XXXX ( fair ) and XXXX XXXX XXXX ( fair ) credit score. 
Now I also paid for an XXXX  credit report and it states XXXX with a XXXX credit score ( good ) XXXX XXXX XXXX ( Good ) and XXXX at XXXX ( fair ) XXXX has a collection acct, but they say it's closed, but yet it is still on my credit report. The other companies have deleted the neg. acct. How can a closed acct still appear and is judged against me in getting credit? 
It would appear to me that these companies are manipulating credit scores and other accts on their reports to enhance their reports when people pay for the results. I can see when you pay for the report the results are very different than say XXXX XXXX. Why are these companies allowed to manipulate your report for their own self-serving needs? Information is being formulated to and displayed so you pay for their services. 
These companies should not be allowed to unfairly input or delay information that is on your report. People depend on these reports to get loans, credit etc. You have no control over what is on your report, they have the control which can make or break your loan and other things I think it is not fair nor should it be legal. These companies are the basis for what your credit rating is. If they decide to make it bad that is totally in their control.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Wells Fargo " Home Project '' account. I have made regular, on time payments for over 5 years. Paying the first charge early. And with a new purchase paying on time every month since XX/XX/XXXX. 

On XX/XX/XXXX, I went online to make a normal monthly payment. Due on XX/XX/XXXX. I selected the incorrect amount, apparently selecting a button that said pay the full amount. 

On XX/XX/XXXX I noted that my checking account was debited for a " NSF Fee ''. 

I called Wells Fargo immediately - and was informed that the payment would pass through the bank up to 4 times. I asked if there was a way to stop it, explaining I made an error. They said only after it attempted 4 times, and returned 4 times would that be possible. As once it is " in the system '' there is no way to turn it off. 

So, I called my bank and arranged for a personal line of credit, sufficient to pay the XXXX. 

I was charged XXXX by Wells Fargo for an NSF Fee. I promptly paid this on XX/XX/XXXX. 

That payment was extracted the NSF on XX/XX/XXXX. 

I called Wells Fargo and asked them to please reprocess the payment for the full amount. I informed them I had taken a personal loan and would like them to extract the full amount ( XXXX ). They informed me that they were not able to accomplish - except sometime in the " next 15 days ''. 

Would you not know, 16 days from when they made this claim ( XX/XX/XXXX ) is when the account was due for its normal payment. And that it could then be reported as delinquent. 

I have never missed a payment with this bank. My mortgage is with this bank and I have had the home projects. I made an error that should not even be able to be made with no checks and balances system. And to be certain, a phone call should have been able to be made and have the situation rectified right then.

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
Consumer complaint received 2020-02-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Wells Fargo credit card account number XXXX was opened to finance hearing aides. Initial Offer was finance free for 1 year with a {$3000.00} balance. This credit card has been open for approximately 2.5 years. Over the course of the credit loan, Wells Fargo has been charging {$38.00} each month as a late fee, offering no grace period of any kind but was never informed at the time when I established the account. Normally credit card offers some period after the established payment pull date. The fees have been exorbitant, creating a situation where it would have been paid off by now, however the fees have just continued to accrue.

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
Consumer complaint received 2015-05-23
Company: Business Revenue Systems, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I already filed complaints # XXXX and XXXX. I need to find out why another debt collection agency is listed on my credit report with a different amount showing from the amount listed from the first collection agency. My main complaint is how was this XXXX collection agency able to post this debt to my credit report without ever contacting me? I never received any manner of correspondence from this agency regarding the debt. 
As a matter of fact, I just checked my credit report yesterday and saw that I have XXXX agencies trying to collect the same debt but in different amounts. I understand my debt can be sold many times over. Why is this allowed and how did this XXXX agency get involved? I need to have this removed from my report but I am only willing to pay the original amount owed and only if they will give me something in writing stating when I pay the debt in full that this will be removed immediately. Also, I need to know who I am paying, in other words, who actually owns this debt. Which collection agency or other business do I owe? I expect to pay only XXXX amount which is all I owe and without any interest or extra charges. Actually, I think my credit report is showing XXXX collection agencies trying to collect a debt from me. And the XXXX collection agency, which has already responded, was the only one to attempt any communications with me about this debt. I was never contacted by any means from the other XXXX agencies, yet they reported my debt without my knowledge to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Skrill USA, Inc.
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018, I used my back credit card to order a replacement ssn card for my daughter. Originally the online service said free, but then it ask for credit card information and I was charged {$39.00} to my account. I did not have all my daughters information, so I could not fill out the application. When I tried to cancel the transaction, I was told another company was who I needed to contact, not the company that took the money out of my account. 
The company that took the payment was Skrill USA. Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: United PanAm Financial Corp.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Early XXXX, I spoke to a representative and they offered a 2 month deferment.  I submitted the information onXX/XX/XXXX for the two month deferment.  Today I got an email from a XXXX XXXX XXXX  stating they have been trying to get a hold of me.  I received phone calls prior to signing the deferment.  AfterXX/XX/XXXX when I submitted the deferment, i received no phone calls... So, I assumed everything was processed and taken care of... Today I spoke to a manger by the name of XXXX and she explained the deferment was expired. The representatives at this company have bad manners and are very rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
I requested Transunion and XXXX to verify a bankruptcy on my credit report. I also requested for them to send me any information regarding there decision on the outcome. All they send me is a letter stating they verified it with a third party lender. They failed to respond to my request accordingly and chose to ignore what I asked for. Leads me to believe they never verified the information as requested.

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 2018-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Today on XX/XX/2018 I have found a money saving tool. XXXX this is a great way to help me know that I am spending to much money compared to what I make each month. I got this credit card to help build my credit as well as having extra money when unexpected problems pop up. This website needs access to my spending history to tell me when I have spent to much on food shopping and so on. I would love for this problem to be fixed! Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In typical fashion for BOA, when I called it today about a fraudulent charge on my mastercard, it  subjected me to its usual stream of meaningless recorded messages, long wait times, refused to credit my credit card, then hung up the phone on me. BOA clearly displaces the cost of complying with regulations intended to provide an even playing field for credit card issuers onto its customers to avoid the costs of a reasonable credit card operation that does not duck, weave and generally evade any contact with its customers that it can. In habitually wasting customers time, it dissuades many from recording problems with it. 

On XX/XX/2018, a fraudulent charge for {$85.00} posted on my credit card that I sought credit for. BOA hung up the phone when I did so. XXXX XXXX XXXX XXXX claimed that it mailed me some lawn seed but has no proof of delivery for it since I did not receive it. In its typical idiotic fashion, BOA demanded that I provide proof of non-delivery, rather than requiring the merchant to provide proof of delivery. The CFPB needs to ensure that the burden of proof in such situations is not routinely placed onto customers but on merchants who seek to charge for merchandise that is never received. When I objected to BOAs idiocy of requiring proof for a non-event, it said the merchant had 15 days to get something to me. Yet the merchant had already claimed that I received it. So this is another stroke of  brilliance and bad faith from BOA by which it prolongs the period of time it must issue credits to customers and enhances its own cash flows on the backs of its abused customers who are forced to have their time wasted and credits delayed by its hostile policies. 

As more proof that BOA evades contact with its customers, the contact phone numbers on the back of my card are scarcely legible. They are extremely small and use white typeface against a light grey background.

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 2018-06-23
Company: EQUIFAX, INC.
State: AR
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 paid a collection account in full in XX/XX/2018. 
When the bureaus updated the information Equifax did not update the information. 
XX/XX/XXXX the company DELETED the account, as they said they would, from all 3 bureaus. XXXX and XXXX deleted it. On XX/XX/XXXX, it was gone. 
Not Equifax, Equifax is still reporting the account. 
I have disputed the information and called them several times in XX/XX/XXXX. 
Yesterday XX/XX/18, the rep was reading from the XX/XX/XXXX report. 
I have called the collection company 3 times during XX/XX/XXXX.

Yesterday I asked for a letter stating the deletion. They told me they deleted the account on XX/XX/XXXX. 
I explained how Equifax did not and what could i do, they told me to make a 3-way call to Equifax on Monday, to resolve it. 
Today XX/XX/XXXX I get an email from Equifax in my mail that says " dispute resolved '' but the account link does not work ALL DAY. I have tried to use this before and it works once in a while. 
Saturday Equifax is supposed to be open XXXX -to XXXX XXXX. I started calling at XXXX XXXX to XXXX ( had to go to work ) and no answer. 

Equifax previously made me wait an extra month for each of my updates. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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:
I had a student loan back in XXXX through XXXX. The claim was closed out XX/XX/XXXX and my balance was XXXX. Upon applying for a home loan we noticed that on my Equifax credit report reported that I had payments 120 day late for the Months of XXXX, XXXX and XXXX of XXXX. 
I called my lender, XXXX and asked them to update this information with the credit reporting agencies. I was toldby their credit consumer solutions department that they have not reported to the credit agencies since XX/XX/XXXX. They did not update this information on Equifax. I filed a dispute with Equifax asking them to investigate the late payments for XXXX. I did not have a student loan balance, it was showing up on the credit report as zero, why are late payments showing up. After multiple calls to XXXX consumer solutions department I was told that they see that late payments are showing up on Equifax but was showing correct on XXXX  and XXXX. Attached is a copy of the Experian report showing no late payments for XXXX, XXXX and XX/XX/XXXX. Equifax report attached showing late payments for XXXX, XXXX and XX/XX/XXXX. Keep in mind, this loan was closed out and paid by claim between XXXX XXXX and was now XXXX balance. 

I called XXXX again on XX/XX/XXXX and spoke to their credit consumer solutions and they told me that they have again submitted an update to Equifax to correct the errors as they were able to see that its still showing up on their end as late payments. I reached out to Equifax again and they said that it can take 30 days to reflect on their end. The dispute did not correct anything in fact it added another XXXX late payment on a closed loan with a zero balance. 

I was in the middle of purchasing a home, was pre-approved for a loan and had to cancel the pending sale because XX/XX/XXXX due to these negative remarks on my credit report. This was the only thing holding me up from purchasing a home. Now I can not get my loan until this is correct by Exquifax. Attached documents are XXXX, Equifax credit reports and a letter from XXXX showing my loan was closed in XXXX and I do not have a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: AES/PHEAA
State: NJ
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:
On XX/XX/20 I initiated a dispute for the FedLoan accounts showing as past due and closed. I was not able to view the results online so I called and spoke with XXXX today XX/XX/20 XXXX advised me that the creditor does not have to show proof of delinquency they just have to advise them that they have validated the account. He has disputed them again. These accounts should not be showing on my credit report at all and definitely shouldn't be showing as late. FedLoan does not service my loans and has not for years. I think that creditors should be responsible for showing proof of the things that they report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
An unauthorized inquiry appears on my credit report. I have contacted the reporting agency, XXXX XXXX XXXX. XXXX XXXX sent me the letter stating they'd remove the trade line from my report. The letter is attached. The confirmation of deletion is attached to this complaint.

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 2018-12-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/XXXX I received a credit report from XXXX XXXX XXXX that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX. The address that was on my credit report.. On XX/XX/XXXX I sent a dispute letter to all credit reporting agency asking for validation of debit, i then received a copy of agreement with my signature and date of XXXX XXXX. So I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
I contacted Capital One by phone and mail in order to remove all negative payments from my account. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I just opened a checking account with tcf bank like XX/XX/XXXX Few weeks afterwards i was having problems getting information about my tcf account. To know : balance info and such. Tcf agents to me all i would have to do is go into any tcf branch and request a new ATM card. Still questioning to myself why my card doesn't work. but what ever. 
Weeks later XX/XX/XXXX i go into a tcf bank with my ATM card and request for a new Atm card.. 
Well this bank teller is now telling me my account is closed and was closed on XX/XX/XXXX. and there so reason to why it was closed. 

I demanded my money that is setting in that account. Sum of {$1200.00} dollars that was just deposited this morning at XXXXXXXX XXXX 
The teller says the money isn't in your account but tcf does have it and you'll have to wait for a check from tcf. And you'll receive that in about 15 days. the teller states. 
I said no way i need my money now. XXXX and complained is all i could do. 
Knowing theres bank tellers dont know what to do either. 

I want and need my money now. Not one person in tcf corp office will return my call or call me back. 
I did file a police report because tcf stold my money I

Company response to consumer: Closed with explanation