BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
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:
Commenity Bank ( Victoria Secret Card ). Limit was {$250.00}. Card went into default and now the balance is {$700.00}. I asked for an explanation of the increased balance and was told I had over {$400.00} in late charges and $ XXXX in interest charges. I tried researching allowed late fees after the account went into default and I couldn't fine anything. Are there any limits on the amount of late charges that can be charged after default?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: EQUIFAX, INC.
State: MD
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:
The vehicle loan was traded in to a car dealership and it still appeared under my credit report after XX/XX/2017. The derogatory comments should be removed from my credit because the title was transferred in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Unfortunately, for me I had a {$12.00} balance to which I was unaware of with XXXX. I opened the account in XX/XX/XXXX with about a {$12.00} charge. The clerk had trouble with the system and tried at least XXXX different times to get it to go through. I finally said just forget it I need to go XXXX pay for my purchase. She asks for XXXX more try. I paid for my purchase and she said its done. Unaware that she opened the account with a partial charge of {$12.00}. I did give her funds thinking I had paid my bill and opened an account with zero balance for future use ; totally unaware of having a {$12.00} balance. Yes, I received mail from XXXX thinking it was just advertisement which is tossed into my junk mail pile. Finally, I received a phone call from XXXX and found out about the balance. A shock to me that I even had a balance but, I paid it by phone. When I realize that this situation has been reported to credit bureaus I immediately contacted the store request a reprieve to my situation and to have it fairly evaluate. It doesnt make since to open an account in XX/XX/XXXX for $ XXXX and stop paying for 3 months with a balance of {$12.00}. When I asked for a reversal I was given the company line that of integrity if it is change. I am sorry I dont see ityes I believe XXXX could make a change and I m sorry that {$12.00} could cause so much havoc on my credit report to jump for a score of XXXX to XXXX and then to add insult to injury other creditors have reduce my credit line. No one is speaking on my behalf and I have no forum to speak from regarding my side of the equation. I realize that this process starts and finishes with bots ( one computer speaking to another ) without human interaction. Im so irate that I closed the account as of today XX/XX/XXXX Personally I don't believe that a late payment under {$25.00} should be reported to credit bureaus.

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 2020-09-07
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
collection company keeps harrassing me all hours of the day they have contacted me over 4 to 5 times a day I don't know complaint keeps calling me and harrassing me I have never ordered their product XXXX XXXX this is a fraudulent activity that was on my account under my name I want this removed immediately this company calls me non stop from multiple numbers even when I asked them to stop they continued this is illegal and their tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXXXXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 and Transunion are incorrectly reporting a charge-off in the amount of {$5300.00} on the XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I did not apply for this account nor did a authorize the account to be opened. This is a fraudulent account and needs to be removed from my credit report. This false reporting of a charge-off that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2018-07-19
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Called to open my brand new credit card and the representative on the other line started questioning my identity when I had clearly answered all of the security questions. She asked me very personal questions related to my education and wether or not I had graduated from college or high school. Not only did she discrimaminated against me because I am XXXX but I'm sorry I have credit cards over {$10000.00} dollars. Why in the world would I do any business with this bank that gave me a {$1000.00} credit card account. Ridicoulous.

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 2015-05-27
Company: Mobiloans, LLC
State: AZ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
They take out fees XXXX so it takes a very long time to pay back the principal. When I tried to make payment in full in order to avoid any more fees, they said I could n't! Feel deceived ... These types of loan companies are illegal in Arizona, so they should not be available to Arizonians.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-01
Company: KEYCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have three transfers initiated from my key2benefits card that I never received. One on XX/XX/XXXX for {$200.00}, one on XX/XX/XXXX for {$470.00} and one on XX/XX/XXXX for {$500.00}. After the first wasnt received a filed a fraud complaint ( which was what I was instructed to do ) and they rejected it stating the funds had been delivered. My receiving bank has zero record of these 3 transactions. I have since followed up and been put on hold for very long periods of time just to get told they cant help me and dont have any way to track the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX {$360.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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'M A VICTIM OF IDENTITY THEFT. THIS IS MY 5TH REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received an unsolicited credit/debit card from Brinks Money. XXXX XXXX XXXX, XXXX, TX XXXX. 

I do not know how this company got my personal 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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2004 should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo put my account in forbearance when I didn't request it. After talking to multiple individuals on the phone I was told that if you click the " more info '' button on the site that you will be automatically enrolled without asking. This is fundamentally wrong. There are multiple news articles out now about the same thing. Someone needs to stop this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern, I am writing a letter of dispute. I have included a copy of my drivers license and social security card to validate my identity. In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 



I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 
You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. 

XXXX Charge Off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXXSynchrony bank offered me a promotional purchase ; Instead paying {$240.00} ; If I paid the {$210.00} by XX/XX/XXXX, XXXX my Credit Card balance would be paid in full. I paid the {$210.00} on XX/XX/XXXX paying my XX/XX/XXXX bill early. The company did not honor the promotional offer. Following month XXXX a bill was sent me a I spoke with customer service representative whom refuse to allow me to speak to a supervisor, she claimed her supervisor was just going to tell me the same thing. I did leave a message went though the companys dispute process. I ask to have a extended period pay until I spoke with a supervisor the customer service representative refused and told me she was add a {$36.00} late fee to the {$26.00} bill, I closed account my XX/XX/XXXX because of a fraudulent balance of {$62.00} & a disrespectful lying customer service representative. I had never been late with a payment to Synchrony/Care credit. They reported to the credit bureaus a fraudulent balance of {$65.00} as well as other false payment history for 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 monetary relief
Consumer complaint received 2021-05-21
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking for a puppy online, and this website popped up to me through a XXXX ad. I tried to buy a puppy through this website. The seller contacted me through phone and email. I paid {$900.00} in total, which included {$750.00} for the puppy and {$150.00} for the shipping. The seller only accepts Zelle payment. After I paid the total of {$900.00}, the seller asked me to pay an additional {$500.00} pet insurance in order to ship the puppy. That's how I found out it's a scam. I called my bank to reverse the payment because this is a scam, but they told me they can't do anything because it's through Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
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 belongs to someone else

Complaint:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts. I believe that i was victim of Identity Theft, someone stole my personal information and applied for all these companies.

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: Americas Car-Mart, Inc.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
CAR-MART in XXXX XXXXXXXX Missouri accepted my XXXX XXXX XXXX in Perfect Condition and paid off, as a Trade in for a much older car model XXXX. Aftet spending the whole day thereI was worn down waiting for them to finalize their paperwork. I had my vehicle the XXXX XXXX XXXX appraised at 4 Dealerships and they offered me XXXX to XXXX XXXX dollars to buy it from me. I didnt think CAR-MART of XXXX Missouri would take that long approving this deal. After 6 hours I left to go home to take my medication. I have been on XXXX XXXX SINCE XXXX. When i returned to CAR-MART of XXXX XXXX Missouri I did not know what they did to the paperwork. I tried to get them to lower that price. CAR-MART informed me only {$3500.00} was used for my trade. Also I was told that a Extended Warranty HAD TO BE INCLUDED EVEN AFTER I DECLINED IT SEVERAL TIMES. I thought extended warranties were optional. After 8 hours I was tired and weak sighning papers for the deal. My first payment was paid days before it was due. My second payment was going to be a little late and CAR-MART was notified about it. The title and taxes were more than I anticipated. I went to our local library to contact CAR-MART via internet. During the internet session I was approached by CAR-MART employees telling me they are here to reposes the XXXX and demanded the keys. I asked for leniency and to please give me some time to come up with the money. I also told them I had XXXX TAG HANGING FROM THE MIRROR FOR PROOF I NEEDED THE VEHICLE TO GO TO MY DR APPOINTMENTS AND TO BUY FOOD. I just spent close to XXXX 2 days before getting the XXXX legal. They did not care and demanded the keys again. CAR-MART OF XXXX  XXXX MISSOURI LEFT OVER 10 PHONE MESSAGES IN A 3 DAY TIME SPAN. Only after a month and a half I lost my XXXX XXXX XXXX AND THE XXXX and was told, YOU WILL BE GETTING a bill from us! I asked if I could at least get my XXXX XXXX XXXX back. They laughed and said it was sold and i was not getting it back. They left me stranded at our local library. These are very mean people. I was put in a 3 day notice to XXXX after getting the XXXX legalized then 2 days after paying all that money I have no vehicle to attend my Doctor appointments and have to walk 2 miles to my closest food store. I am very upset with their business pratices praying on a XXXX Person with a XXXX XXXX XXXX son to raise after my wife XXXX in XXXX. 

Please someone look into this Very Bad situation. Thank you Sincerely XXXX XXXX XXXX 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 2019-03-04
Company: CL Holdings LLC
State: CO
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:
The company mentioned sold a collection for XXXX to another company who i negotiated and paid but now i have both collections still on my report showing a XXXX balance. I have tried disputing this with the bureaus but have not gotten the balances changed. Its effecting my ability to get the best interest rates on a home. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This property was being worked on by Ocwen Loan servicing. We tried to get information on this property, we got no information and PHH couldn't find the property in their system. 

Why? because when we first spoke to PHH they told us that the Loan Number would remain the same, that was not true, they changed the loan number and did not notify or tell us. After 30 minutes waiting for a person to search they finally found the property under a new loan number. 

We did not know that all of the work that was submitted to Ocwen would not be recognized by PHH Mortgage. 

First we had to send a Modification package, after waiting 3 +months, Ocwen representative informed us that we had to file a Family Transfer Package, then we had to complete a Qualifying Assumptions Package. 

Now PHH is asking for a loan Modification Package. If Ocwen wanted the Family Transfer Package and The Qualifying Assumption Package, and a new Deed for the property. All of this was submitted to Ocwen : XXXX XXXX phone # XXXX option1 ext. XXXX.Fax # XXXX We only found out about the sale date through a person inquiring about the property. 
We received no correspondence from PHH with a sale date or any other information. 

We are asking for help with this property because we have done everything Ocwen asked us to do and now we must go through all of this again and have a sale date. 

Please help us with this situation. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Financial Freedom Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a refinance loan to cover mtg. and one personal. Their rep came to my house. Collected personal documents ( W-2s, Tax returns 2yrs., pay stubs ) I paid for an appraisal ( XXXX XXXX XXXX ) My loan processors were ( XXXX XXXX XXXX and XXXX XXXX XXXX. ) I was told that this would be completed in 10 days. This was the last week of XXXX. I was told not to make any Mtg. pmts. going forward. This cost me a {$92.00} penalty due to waiting on the lenders. I also spent almost {$600.00} for the appraisal. I was told the day their rep came to my house that he would return my personal documents via mail after he made copies of these. Have not received them as of yet. The appraisal came in short and they kept telling me to wait for them to try another method for the loan after 2 mo. XXXX XXXX offered me an ARM loan which I said no to. I haven ' received a copy of the appraisal report nor my personal documents. I have tried to contact both loan processors to no avail. The wont answer my calls or emails.

Company response to consumer: Closed with explanation