BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
RUN SCREAMING NEVER GET A CARD FROM THIS COMPANY!!!!! It's such a fraud they build your trust and just snatch their credit cards back without any email or explanation. Play games with your credit and then I got the run around. My bank made an error XX/XX/18 and Capital One tried 7 times 8 including the other card without contacting me once. I'VE NEVER EVER had overages or late charges. They had me get a letter from the bank mgr. I did that stating their error, sent me a secured link XX/XX/ llike 10 times that DID NOT work and the customer service person kept asking me about my email address. I tried from 3 different phones and my desktop. WHAT A NIGHTMARE finally they tell me to fax it they'll get it in XXXX hours because their faxes get answered by a company even though their located in Virginia. I call back XX/XX/ the lady said get it current which mind you it was before it was negligently cancelled. Pay {$100.00} on one {$50.00} on the other. All the while I'm being treated like a criminal and not the long standing customer I've been which is why my credit was increased twice. So I call back NO ONE seems to know what is going on and I get told something different I have to add all the while. NO FAULT of my own the money was in the account and then some. They made sure to keep telling me we'll review it, you " might '' get your accounts reopened. I must've heard that atleast 50 times. AN AWFUL WAY TO BE TREATED! Even the bank mgr was shocked. SCAM, SCAM ALL THE WAY they keep tacking on miney to a " Closed accout '' I guess its only closed to me. Interest all these extra fees that had I be allowed to pay there would be none of this..I CRIED MY EYES OUT NO SYMPATHY, NO ASSURANCE AND NO FEELING AS A VALUED CUSTOMER. I was treated like a common criminal I guess it's because my name is XXXX, but I DESPISE HOW THEY TREATED ME THESE ARE AWFUL PPL. DO NOT GET INVOLVED WITH CAPITAL ONE THEY'RE A BUNCH OF QUACKS WITH NO CIVILITY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have contacted TransUnion several time about removing fraudulent information from my credit report. They are quick to update any and every thing that is given to them but take there sweet time and make you jump thru hoops to correct any false information. 

I am a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Wrong account was disputed back in XX/XX/2019 through XXXX XXXX, this account was a good standing account which I was a authorized user that my mother in-law XXXX XXXX put me on her account. The creditor company name was changed from XXXX home to XXXX  network, I was told from trans union that this account was deleted and effected my score I asked trans union to please put my history account back nothing happen. And creditors refused to report this account back, they told me they cant report close account, this is a wrongful disputed account please help me to get this account back on my credit report all my information are correct this effected my score when trans union deleted a positive account from my credit report help please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company would not allow me to make pre payments on bi-weekly basis and would send me default notices. Even after making and additional annual payment and additional principal payments. They wanted to force me to use their products to pay down my mortgage. XX/XX/XXXX & XX/XX/XXXX they told me to stop making bi-weekly payments. So now I have to pay extra interest because they dont want me making bi-weekly payments.

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 2019-04-24
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: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

RENTAL PROPERTY XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX/CALIFORNIA XX/XX/2018 XXXX XXXX XX/XX/2018

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 2019-04-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I currently have a loan with One Main Financial for about {$7000.00}. At the moment I have been struggling since I am a XXXX XXXX XXXX XXXX and only work part time and have a child to raise on my own. I used a deferment for the month of XX/XX/2019 and proceeded to make a possible payment for XX/XX/2019. This company doesn't communicate with each other at all or even try and understand your situation. They are extremely aggressive by calling my workplace multiple times a day. It's embarrassing since I am usual at school most day and afternoon I get to my desk with notes and comments about how many times this company calls and harasses my coworkers to get a hold of me. I work late hours and try to communicate as best as I can my situation with One Main financial but they are probably the most disrespectful and unorganized company I have ever dealt with I think my car loan company is more understanding and patient than this people. Their motto is " lending done human '' there is NOTHING human about harassment and verbal aggravation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX/CALIFORNIA XX/XX/2018 XXXX XXXX XX/XX/2018

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 2022-08-08
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I wanted to know if there were any recourse of action being a pervious Navient lender borrower since there were many who had the lender that received refunds due to Navient mishandling of their student loans. I wanted to know if my case qualifies for the refund. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My issue is not addressed so I just chose one at random. I want to know WHY these bureaus are allowed to manipulate our credit and destroy us with no accountability? 
I have screenshots of where they lowered my score and there is no excuse for this. 
I have an identity theft a few years ago and it nearly destroyed me. I have just recently completely paid off all of the derogatory credit and paid all collections. I paid all credit cards down to a bare minimum balance and some to zero. Also, the bureaus are VERY careless about attaching negative items and such to reports without verifying that they have the right person. I have addresses reported in states that I have never even visited, as well as addresses of relatives and acquaintances that show as mine. 
The only thing left hurting me is a 2015 bankruptcy ( which was result of the identity theft ) and I have student loans from law school that will never in my lifetime be paid. 
I believe that I should have a hardship discharge from all these student loans since I was lied to by the school. and since I am XXXX years old and can no longer work because of health problems. 
However, that aside, these bureaus are destroying us because we have to pay so much more for car insurance, home insurance. It will keep us from getting housing if we need to rent, as well as so many more discriminations because of poor credit. A lot of people have poor credit through no fault of their own. This is unacceptable and it needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
5 Payments are missing or so XXXX XXXX state!

5 payments in the amount of {$1000.00} each were made to XXXX XXXX ( The same way each week via bill-pay from XXXX XXXX for the past 3 plus years ). Each week a payment of {$1000.00} was made. Each payment was electric from XXXX to XXXX some way for the last 3 years NO changes! It is set-up automatically for weekly payments. 

I noticed that my payments were not posted, so I called XXXX XXXX and they stated I did not make the payments. I called XXXX XXXX. XXXX XXXX and I called XXXX XXXX and once again they stated the payments were not made. XXXX and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. XXXX stated since no changes were made to the payments for the past 3 years they could not help me ( basically since I sent the payment the same way for the past 3 year with no changes electrically no fraud was found ). 

Below are the payments that are missing XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: LCS FINANCIAL SERVICES CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am the co-signer of some private student loans that my daughter had defaulted on back in XXXX. In XXXX I was notified by a collection agency that they would start proceedings to take my house if I did not start paying on the loans. My daughter was in the process of legal proceedings at the time which were going to result in state prison time so I set up a repayment plan with the collection company immediately. Since XXXX of XXXX either myself and then later my daughter have consistently made monthly payments to this collection agency for the amount agreed upon. At the time the collection agency took over the loan we owed them approximately {$24000.00}. Over the last 11 1/2 years we have paid them approximately {$35000.00}. The collection agency states we still owe them approximately {$13000.00}. We have never received documentation from the collection agency what the monthly interest rate and collection fees would be. This past XXXX they sent correspondence for two of the six accounts on what amount has gone onto principle towards the balance for those two accounts. We have received nothing about the other four accounts. For the two accounts they did send documentation for the following amounts were given -- opening balance on account XXXX, current balance on account XXXX and amount paid since XXXX on account XXXX. The other account had an opening balance of XXXX, current balance due of XXXX and amount paid since XXXX XXXX. If the other four accounts have similar scenarios how are we to ever get these accounts paid? At what point does it become extortion for these collection agencies to continue to pile on such exorbitant fees and interest year after year. When we make contact with the collection company they tell use we can send them a " pay off amount '' that is a huge lump sum, but without that there is nothing else they can do for us. By not providing us with the proper documentation of what their interest rate and collection fees would be are they in violation of our rights? Why have they not provided us with regular documentation of the accounts and why did they send us only information on two of the six accounts? Why is there not some type of amortization table provided by them since the beginning when we set up payments so we would know when the debt would be completely paid?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: PNC Bank N.A.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
PNC bank apparently is not compatible to add so that I can transfer stocks with XXXX. Because PNC does not participate with them, I will have to find another bank account or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/2017 XXXX XXXX XXXX  bought my mortgage. I was given a letter saying the auto-payment was set-up before payment was due in XXXX and the letter not making any significant notice of when the auto-pay would start rather hiding it in the body. It was also approved right before a payment was due and through a lengthy process of sending letters back and forth. The payment was never taken and I was given a letter of notice saying I was late. Upon receiving the letter I called and was apologized to, they removed the late fee and had the difference be taken by the next auto-pay cycle. I was promised it wouldn't show up on my credit report and that the auto-pay system will pick up the following month rather than XXXX. Which makes me wonder why in the first place it was scheduled so far off. A few months pass and it shows up, I called back and a woman told me it had to go on the report as it was a missing payment. She said she would not remove it and she didn't know who I spoke with but he was incorrect. I ended up getting a law firm to combat these with the credit bureaus and all but Equifax has removed the item. I am now in the process of buying a home and because of this item not being removed I am at risk of losing out on a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Midland credit called before XXXX mountain standards time. I called back and informed XXXX who is dealing woth my account that if he was licensed in CO he would know he cant call before XXXX. That per the CFPB guidelines that is not allowed. He just kept saying mmhmm and that I called him. I stated I'm calling you because you called me at XXXX and I have rights as a detor and they can't call me before XXXX mst. 

I've already deputeded this debt with the company due to I have paid off my balance XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX ( Department Store National Bank ) XXXX as a store uses this company to issuse there cards. I first was approved for a XXXX credit limited and with in a month nothing changed on my credit report that I used to be approved. They without notice lower my limit to XXXX which dropped my credit score. This made my credit look like I had maxed out my card. This was one mistake. I fought for some time to get my balance down so I then Took out a loan from XXXX XXXX XXXX. to pay it down this loan. The check was sent out on the XXXX of XXXX and cash by there bank on the XXXX of XXXX. My loan officer made a mistake and left the last four numbers of my account number.. As a company they still cashed the check and I sent them a copy of the cash check on the XXXX of the month.. they have yet to return the credit or help me out ... I feel as a company they should be more helpful as a company

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 2021-05-25
Company: AmerAssist A/R Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERASSIST AR IS REPORTING CHARGES TO THE CREDIT BUREAUS AND CONTINUE TO ATTEMP TO COLLECT A DEBT FOR A PRODUCT I DID NOT RECEIVE. 
THE SERVICE IS FOR XXXX XXXX AND UPON RECEIPT OF THE ORDER, I PROMPTLY RETURNED THE PRODUCT AND CANCELLED MY ORDER FOR A FULL REFUND DUE TO THE DEFECT IN PRODUCTS UPON ARRIVAL. CALLS TO BOTH XXXX XXXX ASKING THEM TO LET AMERASSIST KNOW ABOUT THE CANCELLATION HAVE BEEN MADE AS WELL AS NUMEROUS EMAILS. AMERASSIST KEEPS REFERRING ME BACK TO XXXX XXXX. SO WE DO N CIRCLES. MEANWHILE, I AM NOT PAYING FOR A DEFECTIVE PRODUCT AND A SERVICE THAT I RETURNED, CANCELLED AND HAVE NOT USED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX, XXXX my bank account was debited {$600.00} twice from Toyota Financial. I called and they informed that I made a payment online on XX/XX/XXXX and again on XX/XX/XXXX both for {$600.00}. This was MY error ... however I don't remember doing the payment on XX/XX/XXXX. They said they were only able to return one once they finish processing, then I would get a check in the mail in 7-10 business days. I told them I would call my bank and place a stop payment, which would return both payment, then I would schedule another one. I did just that, and I received an email confirmation that my new payment was scheduled ( Confirmation number XXXX ). Today I go to pay my XX/XX/XXXX payment and its telling me I owe them more than {$1600.00} by XX/XX/XXXX. They never applied my payment from the end of XXXX. I called to find out what was going on as I have received no email, phone call or any communication that I am past due. The first woman I spoke with told me I was on a DO NOT CALL list ... I NEVER told them to add me to that list, I asked how that happened and figured that is why they didn't harass me after my payment was late. She said she can not tell me, I asked for a manager, she told me they can't help and continued to talk over me, I didn't even get to my questions, she had me on hold and I wound up hanging up 13 minutes into the call because I was unable to continue to wait. I called back and the next rep tells me she had no record of the payment I have the email confirmation for. She also told me my {$600.00} payments were returned NSF, which is also not true, they were returned due to the stop payment, which I told the rep back in XXXX I would be doing. Now the company will not let me make a payment online, I have to call, I am unable to use my bank account and they are unable to find that payment so its on me. I MADE MY PAYMENT. Its reflecting I am 33 days past due now which will reflect on my credit eventually and now I will have to go through the hoops to dispute this. My issue is my credit and the fact that SOMEONE added me to the do not call list without my permission. Had I received a call, I could have fixed this right away. I need to know who did this to my account and also WHY the payment I have an email confirmation for did not go through and doesn't reflect online. I also want the ability to pay my car loan online back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed out my account with XXXX XXXX for {$250.00} and a couple years later I get a collection notice that I still owe them. They have since sold the debt to Jefferson Capital ( JEFFCAPSYS ) who, no matter how times I dispute it, refuses to take it off. This was so many years ago, I no longer have the receipt, however, the debt was paid, they refused to close my account otherwise. They require your account to be at {$0.00} before they will close it.

Company response to consumer: Closed with explanation