BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-27
Company: LendingPoint Holdings LLC
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 status incorrect

Complaint:
Lending points negligence has caused my credit score to drop dramatically. I contacted the company to update my automatic payment as I switched banking institutions and my file was not updated. Due to their negligence, I am at a higher interest rate with a mortgage loan. Lending point referred me to XXXX XXXX in which they stated my account was sold and theres nothing they can do to update my file. Ive contacted XXXX XXXX and was working with XXXX XXXX in settling my balance with Lending Point. I was advised that lending point was the reporter of my file and XXXX XXXX can not update my credit report. Currently Im still showing a balance and monthly payment, in which it is affecting my debt to income. I am getting the run around and have disputed my file with XXXX with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
After two weeks I continue to receive the INCORRECT CREDIT SCORE. A score which is NOT reported to lenders. This is a major financial impact because it misleads and DOES Not represent the entire story.bl frankly in my opinion by hundreds of reports filed this is a deliberate falsehood that continues to be propagated and allowed by you. You do Not even read XXXX on these complaints you merely immediately forward them to the agencies for THEIR UNRESOINSIVE REPLY. THEN CLOSE the report upon receipt doing NOTHING. It is indicative of who you truly are NOT who you claim to be. Here is the proof once again ... XXXX Learn more Experian Data XX/XX/2021 XXXX Fair XXXX See all 3 Bureau FICO Scores Credit Usage 97 % Total Debt {$160000.00} Open Accounts 6 Inquiries 70 ... yes and the inquiries mount and they will reply DUPLICATE ... OF COURSE -HUNDREDS FILLED UNTESOLVED. YES BY OPINION OF EXPERIENCE a great sham.

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 2017-09-11
Company: EQUIFAX, INC.
State: MN
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:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors.
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX keeps transferring my debt to different accounts, to have the most negative impact on my credit scores in retaliation for the debt. The also keep making minor changes to my debt to make it appear the account is still active, when it in fact, is not. These are abusive behaviors towards my credit report. 

They also keep reporting the debt as a installment loan, with late payments, even though the account has been closed and send to a 3rd party collection agency. 

The collection company that holds the debt is : XXXX XXXX XXXX XXXX XXXX XXXX no longer owns the debt and should not be reporting the debt.

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 2017-12-06
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been repaying my loan since its deferment ended. It is serviced by AES. My XXXX continues to be a cosigner on the loan and I undertook the process to remove him as a cosigner. I filed out the initial form on their website to do so, mailed it in in XXXX XXXX and in XXXX received a reply letter asking for further documents. I sent further documents in XXXX, in XXXX I received another letter denying again and asking for more documents. I sent these and finally in XXXX XXXX received a final letter denying my request. On the denial it states to call AES if I have questions about this decision. I did so but AES informs me that they are unable to provide any further information as they are only the loan servicer. They however can not allow me to speak with anyone from the actual lender to provide any clarification and simply ask me to submit a request again via letter. They have created a circular process in which the inertia required to accomplish anything is so great that most people will give up at some point. The only service my servicer is providing is to obstruct my access to my own lender in order to receive any sort of satisfactory response. Furthermore the credit score that they note in their reason for denial is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To : Consumer Financial Protection Bureau XX/XX/XXXX, Re : Comenity Bank ( Lane Bryant ) account On XX/XX/XXXX, I paid my Lane Bryant Comenity account in Full. Two days later, unknown to me Comenity Bank charged my account a {$2.00} service fee. Im not sure why. On XX/XX/XXXX my account had a balance of {$30.00} that included a XXXX late fee. I had not made any purchases using my Lane Bryant card. Today, XX/XX/XXXX, at XXXX XXXX. I reached out to the bank and questioned the billing issue. The XXXX  male  customer service supervisor yelled at me and said it was MY fault that I did not notice the fraudulent billing sooner. He corrected problem, but continued to say that some people cant be satisfied. He dismissed the fact that Comenity Bank negatively impacted my credit for 6 months. He felt very comfortable yelling at ME and blaming ME. Many of us who have Lane Bryant accounts are XXXX American women. This is bank is XXXX  on XXXX people. You cant win, even with timely payments and a XXXX  balance! The structural procedures and practices to keep XXXX people at an economic disadvantage, and destroy your credit are XXXX XXXX. This is a prime example. 
I am requesting a thorough investigation into the Predatory lending and billing practices of Comenity Bank. I am requesting that Comenity Bank correct my credit report and provide the highest available rating for the previous 9 months. I am requesting Comenity Bank send me a letter apologizing and documenting the corrections on my credit report back 9 months to all reporting agencies. I am requesting a reduction of my interest rate to 3 % for 5 years with {$5000.00} available credit. I am requesting a {$2000.00} gift card from Comenity Bank ( Lane Bryant ) for their XXXX XXXX. 

Respectfully,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was contacted by a 3rd party debt collector that was harrasing me for a debt from Navient. The were leaving personal information in voicemails to me and my family along with multiple calls a day. When I hung up on the caller, she called back and said, " you hung up on me? '' They were hired by Navient. I contacted Navient in XX/XX/XXXX to dispute the account and get more information. I faxed over the Bankrupcty Discharge paperwork as requested. To this date, it still apears on my credit report and is stopping me from getting a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently ( officially XX/XX/19 ) changed my home insurance plan to a plan that was over {$200.00} less a month ( almost {$2500.00} less for the year ) and informed my mortgage and escrow holder ( Fifth Third Bank ) of the change. A month passes and my new payment due for XXXX has not been altered and I begin calling to ask why my monthly payment has not changed. One escrow specialist I spoke to informed me that an escrow re-evaluation kicks in as soon as one of the elements ( in this case the home insurance ) changes. 

Call back on XX/XX/XXXX and we are informed that there is no re-evaluation being worked on but they will start now, it should take at most 6 days. Over a week later we have received no information so I call back and speak to someone else on XX/XX/XXXX and there has been a request for a new evaluation but it has not been started. I am assured that this will be fast tracked and they will be in touch with me soon. 

No contact from the bank again until today, XX/XX/XXXX, I call back yet again to see if the evaluation is complete and ask why I have not been contacted. The evaluation has just completed and my new XXXX bill will reflect the new payment. I asked over and over again why I had not been contacted when assures over and over I would be and why I had to pay money I should not have had to due to my new insurance policy. No answers were given, just policy jargon, and when I requested documents on of my contacts to the bank I was denied access to those documents. I also asked for a letter or documentation of this denial and I was also denied that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: ZARVAD III S.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I scheduled a payment in full when applying for loan. The loan amount was {$390.00} and was a payday loan with an approved ach for the full amount on the due date as part of the application. When due date came they charged me a non-payment fee and continued to do so every 2 weeks a total of 3 times instead of taking the full amount. No reduction of principal or balance was made as a result of payment of the fees. I ended up having to pay the full amount of the loan plus {$270.00} in fees they debited from my account as a result. At no point in time was any notice provided that these {$90.00} fees were being assessed. 

I did several loans with this company previously and had no issues with the full payment being deducted at the due date as requested during the application process. This was a change in service and clearly meant to get far more than the agreed amount from me as the customer. 

To make matter worse when I called to figure out what was going on after noticing the full amount hadn't been deducted and that there were instead 3 {$90.00} charges on my account, I was faced with someone who informed me that all this was within the terms of the contract. Further the individual I spoke with would not answer a direct question asked over a dozen times " are you going to help me or not ''. Instead the representative kept repeating the supposed terms of the agreement, which I am unable to review. Even when asked multiple times just to give me a yes or no answer if they were going to help. 

I do not dispute that the terms allow for late fees. I DO dispute that I did not request payment in full be ach deducted from my account. I DO dispute that I should have been assessed any late fees. I DO dispute that no payment at all was applied to the balance due when changing the fees. Further, their website does not allow for review of loan documents once the loan is approved. So I have no way of verifying any claims from MyPayDayLoan. 

This customer service experience is one of the worst I've ever had. My Pay Day Loan has done nothing short of stolen {$270.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: General Motors Financial Company, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/2018, a payoff check for our auto loan with GM Financial was sent to their office. On XX/XX/XXXX, GM confirmed that they received the check. Today is XX/XX/XXXX, and GM still has not credited our account and closed out our loan, despite acknowledging that they received and cashed the payoff check. Not only that, but GM has continued to report the loan as Late to the credit bureaus! Not only did we make a regular payment, we paid off the loan in full! 

Because of this, we were barely able to obtain a loan to buy a new car, and we had to pay a higher interest rate and were limited in our choices, because, to the banks, it looks like we still have an auto loan open, that we're not paying! AND they are continuing to hound us with collection calls! We were told they would put a 1 week " courtesy hold '' on collection calls last time we called - there's nothing for them to collect on! The loan is PAID OFF!

As if all of this wasn't bad enough - we're not the only victims! A rep at GM told us that there are " over 100 '' accounts in the same situation! They blame a recent " software upgrade, '' but it seems that there must be a way that in over a MONTH 'S time, they could credit our account and close it! They even generated a statement on XX/XX/XXXX, 15 days after they acknowledge they received the payoff, showing that we owe a balance we do not owe! It is fraudulent! 

They acknowledge that this is entirely their fault, but every time we call, we're just put off further and further - " give us a couple more days, '' or, " it should be all cleared up within XXXX business days. '' But it isn't! This is ridiculous, and it can't be legal for them to continue to fraudulently report the account as Late to the bureaus, when it is not late at all! Please let me know what we can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: RentDebt Automated Collections, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account name RENTDEBT AUTOMATED COLLE Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$2000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX Historical info Original creditor XXXX XXXX XXXX XXXX AT XXXX XXXX info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TN XXXX Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Affected by natural or declared disaster. 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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:
I need to file a complaint. Bank of america master card. I contacted them them on XX/XX/XXXX to dispute for a charge that was made on XX/XX/XXXX for XXXX.this was an ongoing services from XXXX XXXX . An education that I had never received, they guarantee for me to get my money back. This company is been shut down by the FTC. I paid for this training and paid off the credit card as well. They credited my account and took the credit back, so i contacted them on XX/XX/XXXX and told me to send the paper work with instructions. so i deed but next day they send me a letter saying that they needed to the exactly amount of the charge but the exactly amount they have it is XXXX. 
i have send everything they ask for it. and they deny it on XX/XX/XXXX after i talk to them.

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 2019-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Some one using my personal information to open an online credit card. 

THIS IS BEEN HAPPENING SINCE XX/XX/2018. 

THERE ARE THERR ONLINE APPLICATIONS. 

WANT SOME ONE TO STOP THIS FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: ALLY FINANCIAL 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:
I had an auto loan with Ally Financial that I was a joint account on with my girlfriend. In XXXX of 2018 I filed for Chapter XXXX and was discharged in XXXX of 2018. During the time of Bankruptcy, Ally financial reported 30 days late for the month of XXXX, XXXX and XXXX. By bankruptcy law, th account is granted an automatic stay which means they may not continue to report anything on the account. I did not reaffirm the debt but was given the option to continue making payments on the loan but it would not affect the credit. We sold the car in XXXX but I have asked Ally to remove the late amounts as they were 1 ) not infact 30  days late and 2 ) were not allowed to report any reporting on my 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 2018-06-19
Company: Home Loan Center, Inc.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX was the third party that arranged from disclosure to closing.Actually this is happened from the month of XX/XX/2016.From Lender the loan account and the Escrow account.when I tell XXXX to forward all documents to me, they dont send the documents.Its so much mean to ignoring me that matter! More than two years of hiding no response to my letter.Im so tired of that happened, this is not the first time I made that complained in the same company!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
There are several inquiries on my credit report from same day are within days of each other from companies I never gave my information to. I have contacted XXXX and I am waiting for a reply. XXXX would not give me an option to dispute the inquiries but I did lock my credit report. With Trans Union also I could never get to an inquiry dispute because all they want you to do is give them money to access your report. My credit is good I never miss payments and I believe companies are giving my information to other companies without my permission and my score continues to drop for no reason.

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 2019-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I took my XXXX to the dealership ( XXXX XXXX ) on 4 separate occasions during the months of XX/XX/XXXX - XX/XX/XXXX. Each time they indicated they had repaired my vehicle. However the check engine light continued to illuminate after I would leave the dealership. 

The Operationa Manager ( XXXX XXXX ) promised me a refund in XX/XX/XXXX ; however the {$810.00} never credited to my account so in XX/XX/XXXX I disputed the charge. 

The {$810.00} should not be paid to XXXX XXXX because they never repaired my vehicle and they tied to induce me to spend an additional {$2500.00} to make other repairs. After taking my vehicle to XXXX XXXX ( XXXX XXXX ). They made the repair for {$450.00} and its been 2 months and the check engine light has not reappeared.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: IA
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:
Credit bureaus fail to remove collections from credit report.Im submitting a email from XXXX stating it would be deleted.

Company response to consumer: Closed with explanation