BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-14
Company: EQUIFAX, 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:
On XX/XX/XXXX I sent etters into the three credit companies XXXX, Equifax and XXXX. I requested to have the copies of the original documents or documents used to verify the information that has been placed in my file by XXXX account number XXXXxxxx and XXXX XXXX account number XXXXxxx the companies have not given anything documentation as required by law under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have also made many attempt online and over the phone to get this information and have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Midland has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2020 I called to get more information about a Comenity account that was reporting on my credit report and the customer service agent asked for my SSN which seemed normal in order to locate my account but I NEVER GAVE HIM PERMISSION TO RUN MY CREDIT / ADD A HARD INQUIRY TO MY REPORT!!! Not profesional and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Auto Financing XXXXXX/XX/XXXX Experian XXXX XXXX XXXX Auto DealersXXXX New XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2017-08-08
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Since I graduated in XX/XX/XXXX I have been nothing but struggling to make my student loan payments each month. My payments right away started at {$390.00} and that was only for one of my student loans, out of 4. {$390.00} was also considered a " rate reduction '' as if Navient/XXXX XXXX was doing me a favor. They allowed me to pay that outrageous payment for 15 months. That rate reduction plan just ended this past month ( XX/XX/XXXX ) and now I am paying {$480.00} a month just for Navient. That is not even close to including my other loan vendors like XXXX XXXX and my other federal student loans through navient. The fact that my interest rate starts at 8 % and goes as high as 11 % is absolutely sickening. Makes it near impossible to afford the cost of living in this day and ago. It is unfair to pay such high payments with an outrageous interest rate. It makes it near impossible for anyone to pay back their loans in such a short amount at a large amount along with the cost of living. I thought student loans meant there was going to be low interest considering the fact that students do not make any money during school as well as a " generous '' 6 months graced period after graduation. It is very unrealistic to think that students are able to afford these ridiculous repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/2019, I moved from XXXX, PA, to XXXX, NY. In Pennsylvania, I had a checking account at Wells Fargo, specifically at the branch located in XXXX, PA. 

After moving up to XXXX, I transferred most of my remaining funds from the Wells Fargo account to a bank up here. I called Wells Fargo to ask about closing my account, and they told me that the only way they could do so would be if I were to present myself in person at a Wells Fargo office. There is only one such office here, but it turns out to be only an investment brokerage, not a bank branch. The people at the Wells Fargo office in nearby XXXX XXXX, NY, told me that the closest branch of their bank was in XXXX, NY, about 2.5-3 hours drive from here ( XXXX is about 4.5-5 hours drive from here ). 

I've been too busy creating a new life here to drive 5-10 hours round trip just to close a checking account, so I let it slide. I've done so before, and banks have simply closed my account. However, I realized recently that a company in which I own some stock, XXXX XXXX, has been continuing to direct deposit small ( {$15.00} ) quarterly dividend checks at the Wells Fargo account. Wells Fargo has, in turn, been charging me a monthly below minimum balance fee from those checks.

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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I previously sent three dispute letters to all three of the credit bureaus to remove all of the fraudulent accounts and some paid fraudulent accounts from my credit report, I showed them my lease verification along with addresses that I dispute with XXXX and they still have not removed these negative accounts despite the fact I showed these three credit bureaus that I've been living at XXXX XXXX XXXX XXXX North Carolina XXXX since 2005 I say that because all of these negative accounts are attached to addresses that I never lived at in XXXX North Carolina.

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 2017-08-08
Company: Convergent Resources, 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:
On XXXX XXXX 2017, I attempted to gain verification and validation of the debt via XXXX credit reporting bureau. To date, all I 've received was a bill from the original creditor. I do not have a contract with XXXX XXXX nor do I owe them any funds. However, XXXX XXXX is reporting negatively on my credit file. Ref acct. # 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 2021-03-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent letters to the credit bureaus asking them how did they verify the bankruptcy placed on my credit report, I sent clear documentation asking the courts do they release public information to the credit bureaus or third parties and the court responded and said no. The bureaus clearly failed to respond to me in a timely manner and I would like for this information to be removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened a car loan with Consumer Portfolio Services , Inc back in XX/XX/XXXX and did a voluntary surrender of my vehicle in XXXX XXXX due to the following reasons ; 1. unable to pay down the principle balance since XX/XX/XXXX Original loan amount was- {$21000.00} Interest paid- {$18000.00} Principle paid- {$1700.00} Additional fees- {$1400.00} So, in 5yrs over {$18000.00} was paid in interest alone and nothing towards the principle balance. Consumer Portfolio Inc, was never willing to explain why I paying so much in interest and continued to add late fees and interest on top of interest. Recently, I received a letter from CPS, Inc dated XX/XX/XXXX on XX/XX/XXXX which was an " Explanation of Calculation of Surplus or Deficiency ''. I contacted CPS, Inc on XX/XX/XXXX to get my balance and see if I could set up a payment plan for the remaining balance. The total amount due on the letter is {$11000.00} and when I called they stated my balance was XXXX, when asked why the difference from the letter I was told I was 159 days past due when I disputed the fact CPS, Inc could not provide an explanation and I was transferred from person to person. Finally, I was told that on the {$11000.00} balance that I was being charged {$4.00} a day/ {$130.00} per month in interest and again I am back in the same boat with CPS Inc , where I am only paying interest so I am in a never ending cycle of interest where in the end I will have paid almost $ 40k or more on a $ XXXX car that was bought in XXXX. They have been unwilling and unable to explain the fees and interest to me nor have they wanted to work with me during these difficult times. I have done research on this company and noticed several lawsuits and complaints regarding the same issues with people never being able to pay down their car loans. At one point they were calling me several a times a day harassing me and making threats for me to pay hence why I made the decision to surrender the vehicle because even after making my monthly payments since XXXX I was still unable to pay it off. Even as of my most recent call with CPS, Inc XX/XX/XXXX I am still being bullied and forced to pay outrageous interest fees without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Dovenmuehle Mortgage, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX we received a letter from our mortgage company stating that our mortgage was going up from XXXX to XXXX because of our future tax bills. ( Projected taxes XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX ) I understood why this was happening it was due to a past due water bill that was assessed our taxes last year and we have since paid off. We spoke to the mortgage company last Friday and they said all we would need would be a letter starting our estimated takes for next year. So that is what I got. The person at the town hall said they can not give actual bills for XX/XX/XXXX and XX/XX/XXXX because the do not exists yet and will not exists till XX/XX/XXXX. I called the mortgage company today to see what my new bill would be and they said they can not make any changes because they " can not make changes on estimated amounts '' yet the amount the are charging us is in fact an estimated amount. What can I do. We really ca n't afford this XXXX more a month and the mortgage company does n't seam to want to work with us. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX I went to my financial institution for help with my credit. I signed up for a secure card for {$300.00} and another for {$420.00}. I was a XXXX XXXX XXXX working full time as well. As the year went on my education needed more attention so I cut my hours at work. In XXXX of XXXX I fell behind in my payments and could no longer continue to pay on this card. I reached out to Fifth Thrid multiple times explaining my situation. I was told in XXXX that I could put the {$300.00} I used to open the account towards the balance due. Ive been agreed because that would help me with both accounts. Well XXXX I noticed that I am still being charged late payments for only one secured card and not the other.They applied my money towards the balance for only one card but not the other. Since XX/XX/XXXX Ive havent resolve this issue and I am unable to speak directly to the department that needs attention. Please help me resolve this issue. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: U.S. BANCORP
State: TN
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:
In XX/XX/XXXX my loan was transferred to XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 

My loan was with XXXX XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX never mentioned XXXX XXXX XXXX XXXX to me in XX/XX/XXXX when I inquired. I told them that I am a victim of identity theft/fraud. 

XXXX XXXX XXXX sent me a detailed explanation of the transfer. XXXX XXXX payment history from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX XXXX XXXX is a division of XXXX XXXX XXXX. Their corporate office that is located in XXXX Texas. 

I was given a detailed explanation. Also I have a copy of my Deed of Trust from XXXX XXXX. It was added to the XXXX County register office XX/XX/XXXX. The number is XXXX. I paid that loan off, the amount of the loan was {$11000.00}. XXXX XXXX XXXX did not report this to XXXX XXXX XXXX XXXX when they transferred the loan. 

The original parcel property tax number is XXXX. This was recorded in XXXX County register office. Lot XXXX, plat book 64 page 33. I purchased the property from XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX. 

The address is XXXX XXXX XXXX XXXX Tennessee XXXX. The parcel property tax have been changed. XXXX XXXX Paid taxes on the property and did n't report to IRS. 

XXXX XXXX XXXX XXXX XXXX paid property taxes on the property and did n't report to IRS. Yet my personal information was being used fraudulently for years. 

All of these things were being done while I was under wage earner. Government documents were being tampered with by person/persons unknown without my knowledge. 

Yet XXXX XXXX XXXX XXXX took my home with the help of Attorney XXXX XXXX in XXXX TN. XXXX XXXX XXXX did not notify me of my loan being transferred. 
I just learned of this XX/XX/XXXX. I was given a detailed explanation of transfers. 
All three were internal transfers. From XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX. The same loan number was used. Three different Federal Identification numbers was used to report to IRS. 

I never would have known if it was n't for Consumer Financial Protection Buearu. 

My mail was being stolen through United States Postal Service for years without my knowledge. If XXXX XXXX XXXX mailed this information to me. 
The Bank sent this information to me upon request in XX/XX/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 2019-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
ho may concerns this is happen onXX/XX/2019 i had made a reservation online through XXXX dated for XX/XX/2019 i purchased two tickets withXX/XX/XXXX for my parents coming from XX/XX/XXXX to XX/XX/XXXX ca the layover on both ticket were only 3:05hrs and than all of the sudden after purchasing  both tickets i got an email from XX/XX/XXXX saysXX/XX/XXXX change the layover to 13hrs instead of 3:05hrs so i called XX/XX/XXXX to ask them what happend i got the answer back those changes were made from XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX only third party i was on the phone with XX/XX/XXXX for about 4hrs trying to find a solution after going back and forth i request a refund for my transaction i was told from XX/XX/XXXX representative they are unable to refund the transaction they have to reach out to XX/XX/XXXXXX/XX/XXXXwhich they did and XXXX  airline refused to reverse the transaction so i went and called my credit card merchant services XX/XX/2019 i requested dispute i got the transaction refunded and i went and reserved another ticket through XXXX  XXXX dated onXX/XX/2019 so my parents did not  traveled on XX/XX/2019 with XXXX   XXXX  they went on XXXX XXXX instead after that i received a letter from my merchant services on XX/XX/2019 says that i need respond on by XX/XX/2019 and send the evidence of what happens which i did mail it back XXXX and i wrote statement stated the whole situation and a copy of both tickets as an evidence that my parents did not travel with XXXX XXXX merchant services they mailed me back a letter saying they are unable resolve this matter and they wont be able to reopen the case anymore because their claiming that they received the evidence very late which is not my fault iv got late respond from them now if i disputed the transaction because it's  my right i spoke with XXXX   bank of america representative she mentioned to me no body worked on my case i got charge back and i don't see it right i really need your help please immediately because i tried to reach back to bank of america merchant services they keep me on hold for a long time till the line hangs up by it self my case number XXXX sincerelyXXXX 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 monetary relief
Consumer complaint received 2021-11-28
Company: Experian Information Solutions Inc.
State: CT
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:
My XXXX account was used fraudulently in XXXX of 2021. I reported the fraudulent activity immediately, however XXXX failed to process the fraud claim in a timely manner resulting in a XXXX day late payment on my credit report. I contacted XXXX a and they have yet to remove the late payment off my credit report. I filed a dispute with Experian, with evidence and they closed the dispute without removing the late payment 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 non-monetary relief
Consumer complaint received 2020-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 have submitted multiple complaints about XXXX XXXX and how I told them that I was sold a car that was in an accident. I told them that if I had known the car was in an accident I wouldnt have purchased the car. I also told them to cancel the deal with the dealership. 
Attached is a conversation I had with the dealership through XXXX  on in which they stated how they dont have to give a XXXX XXXX and how they still sell cars that were in accidents without telling customers. 
Not giving a XXXX XXXX was concealing the fact that the car had an accident because within less than 3 weeks of getting the car it had to be taken to get fixed 2x. XXXX didnt car about customer satisfaction. A lot of the fees that the bank is trying to collect was not a part of the loan. I told them to cancel the loan because the car was defective and in an accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: I.C. System, Inc.
State: AZ
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 have one collection from XXXX XXXX XXXX for XXXX on my report. I have never had a XXXX account. They will not send me any information on the account in question. 

Another collection on my account is IC System for XXXX XXXX. I tried calling and the number was disconnected. Again, I have not had a XXXX account.

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 2017-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account with Crypto Currency Exchange named - XXXX. In order to make a purchase I need to deposit money to the website using my BANK ACCOUNT. However, when I try to add my bank account to XXXX, it generated an error message saying that my bank does not authorise me to make any debits. Attached is the screenshot for the same.

Company response to consumer: Closed with explanation