BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-10
Company: Great American Finance Co
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Great American Finance has fraudulently reported a balance due to the credit bureaus, dropping my credit score 47 points and halting the mortgage qualification process Im in the midst of. 
On XX/XX/2020 I was sent a paid in full letter, stating that my account was paid as agreed and closed on XX/XX/2020. Since I paid and closed the account in XXXX I have continued to get statements for a balance due and have called them every time to inquire. They assured me it was an error in their part and would be fixed. On XX/XX/2020 they reported a delinquent acct to the credit bureau which dropped my score and cancelled any chance I have of getting the mortgage I was applying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello I was recently going over my accounting which i check my statements from Wells Fargo every other month, I noticed that from XX/XX/XXXX to the XXXX of XXXX, there were XXXX worth of unauthorized XXXX  transfers. 

XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX total XXXX I called immediately when i found out at XXXX on XX/XX/2020. Spoke to claims and they gave me a number to call in the morning. Recently I recieved a letter from the hospital stating that my personal information has been leaked and that I should check if I have been a victim of fraud. I paid it no mind at the time, until I started doing the accounting for my new XXXX XXXX and was checking the debits and credits due to me recently linking this account to the XXXX. When I came to the conclusion I was around XXXX short I immediately called or tried to. to get this situation resolved. I called back in the morning to no avail. I have many other XXXX  transactions on there that Iam fully aware of, the ones i dont i contested and have yet to get an positive feedback

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 2020-06-28
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine and has been reported for 3 years making my credit bad. They do not have my permission to use my name or my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I've contacted Capital One several times the last 30 days and still not able to get access to my money. I was told I needed to create a access code since my account is blocked and still after several weeks not able to have access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Fleet Financial Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I received a email from iLendingDIRECT stating they had pulled a credit report on me, did a hard inquiry and denied me for an auto refi. The problem is I never applied to them for a loan, never wanted a loan, and never gave them permission to consider me for a loan or pull my credit report. I have never had any dealings with them, never contacted them and certainly never asked them for a loan. They did call me wanting to give me a loan and I told them under no circumstances was I interested and to not contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions 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:
XXXX Attempted to dispute information on my Experian credit report. It has a fraudulent SSN ending in XXXX. The online service will not allow me to dispute it. I called 3 different numbers for them. XXXX, XXXX, and XXXX. When attempting to dispute this erroneous SSN their system said to call XXXX to better assist. This number only gives 2 options. One is to freeze your account ( which I did ), the other is to purchase a membership. It tells you about optional memberships you can purchase and does not even let you get any of the services. It tells you about them and then hangs up. Neither of them will get you to a person so there was no " better assistance ''. This SSN and anything in reference to it needs to be removed. 

There are also 3 hard inquiries that are from a XXXX XXXX  company that I had a credit card with over 4 years ago. This company is running my credit every year even though my account was closed in XXXX. They ran on XXXX, XXXX and XXXX. Experian will not let me dispute these either. They need to be removed. 

They also have my ex husband as my spouse and will not allow disputing it online and of course not by phone as mentioned above. He needs to be removed. We have been divorced since 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 non-monetary relief
Consumer complaint received 2018-04-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV
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 have two mortgage loans with Carrington Mortgage Services. The company purchased the 20 year old loans from XXXX XXXX XXXX about two years ago. They reported these loans as 30 days late when there was a problem with their website after I had paid online. That was approx a year ago. Last month I paid payments on both loans on the website as I do every month and they were paid prior to the due date. Last month I went to pay early for XX/XX/XXXX payments and one of the loan shows it was not paid for XX/XX/XXXX. Once again paid both of the loans at the same time on line and got email confirmation of receipt. I called and asked why, they said bank returned the payment, which was a total lie as the bank did not return anything since there was 100 times more than the payment in the account. I called Carrington again, now they have different story after I told them bank did not return pmt, and turns out there was one digit off in the automated system on one account and correct on the other account so the payment did not go through. I was NOT contacted this payment didn't go through or I would of paid it again sooner as I did the moment I found out. I told them this should not be reported to credit agencies as I was not notified. They refused. Further, I have contacted them two times in writing as they are reporting these loans under my name when in fact these loans have been in the name of a corp since loan was made, I mailed them letter and proof the properties were purchase in corp name and so were the loans since day one 20 yrs ago. I faxed and mailed the letter and supporting documents a month ago and again zero response. They should not of ever been reported on my credit. They refused to correct this, not once but twice now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: EQUIFAX, INC.
State: CA
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 owed us Dept if education {$1500.00}. I made payments monthly and made the final payment if {$260.00} in XX/XX/2019 where the account was paid in full. The status was reported to all 3 credit bureaus as paid ( equifax, XXXX and XXXX XXXX ). In early XXXX the account went back to me owing {$560.00} and is still in collection with Equifax and my credit score dropped by 40+ points. I disputed with Equifax and called US Dept Ed. The dispute was closed with the inaccurate information again so I filed a new dispute with XXXX Equifax and US Dept of Ed. Ive done this 3 times in the last 2 1/2 months and the issue is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Resurgent Capital Services L.P.
State: TX
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 submitted a letter disputing the accounts to LVNV funding. they responded telling me that they only had to respond to one and not respond multiple times. Please see attached letter dispute that they failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Benuck & Rainey, Inc.
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
continuous calls, several on a daily basis, refusal to provide any information to legitimize any bills they are trying to collect. Rude, abusive language. Refuse to stop harassing my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had this card for 5 years and during that time paid it off multiple times. Wells Fargo has never lowered my interest rate and never offered me a promotional rate. They refuse to lower my rate and never give me a reason why. They keep telling me my account is reviewed periodically for promotional rates or to lower my rate, that is a lie! My account is never reviewed. My credit and history deserves a lower rate on this card.

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 2018-10-18
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I had a ( NFCU ) Navy Federal Credit Union GoRewards Master Card that I open in XX/XX/XXXX and had enrolled in their Payment Protection Plan sold and enrolled by ( NFCU ) Navy Federal Credit Union and administrator by XXXX XXXX XXXX in XX/XX/XXXX and had maintain coverage during the life of the account the cost for coverage was {$.00} per every {$100.00} of the monthly balance. The program was sold as a insurance program offered by NFCU that covered death, disability, and or involuntary unemployment. Details are that this coverage would make the monthly payments during the coverage event and its duration and would pay off the account balance as a full debit cancellation in the event of death and or disability. 

In XX/XX/XXXX I was involved in an auto accident that caused me to become XXXX and unable to work and return to work I was on XXXX  and XXXX  until XXXX XXXX and Under Social Security Administration I was deemed XXXX XXXX XXXX XXXX and because eligible for  XXXX benefits. XXXX had some delays in benefits award and payment and wasn't resolved until XX/XX/XXXX. 

XX/XX/XXXX I initiated the claim and again resubmitted medical information on XX/XX/XXXX for that claim. I had file a claim through NFCU and its payment protection plan serviced by XXXX. According to some records, XXXX and NFCU applied some payments under the plan that were in consisted with their payments and coverage from XX/XX/XXXX to XX/XX/XXXX and then close the claim with no reason and in breach of the terms and conditions and coverage that was offered. NFCU further the breach of this sold and paid for service by pursing addition financial account charges and fees in addition to the negative reporting of the account and collection reporting and actions on this account when it was a coverage event under the terms it was sold and purchase to me and the debit was to be canceled by NFCU and XXXX  under the XXXX debit cancellation coverage program. 

NFCU and XXXX failed to provide the service sold and purchase under this plan, coverage, and benefit for cardholders and members. Which is not only a break in contract but also a violation under the Fair Credit Reporting Act ( Reporting Inaccurate Information ), the consumer protection act ( Providing a level of protection as their customer, and being billed for services that are not being render ), fair debit collection practice act ( Collection on a debit that isn't correct ), Fair Credit Billing Act ( Billing and Charge for services that were not fully render as agree ) and possible other regulations. 

This issue has gone unresolved and the debit has yet to be cancel as per the terms of the program. 

I have some supporting documentation to provide in regards to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My complaint has to do with XXXX XXXX- purposely lowering the credit limit on two of my credit cards ( XXXX & XXXX XXXX. As evident in my account history, my monthly payments on the foregoing cc 's were delinquent for a couple months. Regardless, as soon as I started making $ XXXX/ {$300.00} pyts to get caught up and to pay down my balances, I received multiple pieces of correspondence ( some attached ) stating that they were lowering my credit limit. I can prove the direct correlation between payments I have made and credit limits being lowered on each credit cards { if need me, I can obtain a timeline from my account online and/or the CFPB can acquire that data from XXXX XXXX directly }. 
In addition to this unilateral action on behalf of XXXX XXXX, they mailed me correspondence indicating same, however, the limits mentioned in their letters were not representative of the " actual limits '' on the card at the time as the limits were acutually lower than the amounts mentioned in their correspondance. As a matter of fact, they were lowering the limits so quickly that their mailings could not keep up with the actual account status. 
I have never experienced a credit card company that actually " monitored customer payments '' made on accounts and then, purposely lowered the credit limit in response to same. Beknownst to XXXX XXXX, by partaking in this activity, they are aware, that credit scores lower as there is no disparity between the balance on the card ( carried ) and the actual limit. 
My XXXX credit limit was initially {$2400.00} and is now {$1900.00} ; XXXX XXXX credit limit was initially {$1800.00} and then {$1200.00} and, when I logged on the other day ( see attachment XXXX to their site, it said " {$0.00} '' credit limit. I called XXXX XXXX / XXXX and they stated, you elected the 'hardship program'- I stated, NO, nope, NO- never did that. They then stated they would put the credit limit back -? 
[ no telling how much my credit score suffered when the balance was $ XXXX+ and the credit limit was {$0.00} ; such flagrant actions have direct credit impacts on customers ' FICO scores ] In closing, I am aware of credit card companies lowering credit limits but not in " direct response/correlation '' to payments made. The limits were lowered on BOTH cc 's a variety of times, subsequent to payments made, in order to keep the 'balance in close relation to the limit'- otherwise, why was it done? 

If this " practice '' on behalf of XXXX XXXX if not in direct violation of the FDCPA, I don't know what is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2019, I filed a dispute with Fifth Third Bank for {$63.00}. On today, XX/XX/2019, I stayed on the phone for over an hour calling the dispute dept. directly and no one answered. Via the customer service line, I got a dispute person but no one had started working on the dispute and the call was dropped. The {$93.00} dispute was unprocessed and not addressed at all. Dispute case no. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Flagstar Bank, N.A.
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/19 I called the bank about its XX/XX/19 Annual Escrow Statement which included a Review the Escrow Account History ( XXXX ) detailing 10 ( not 12 ) months of activity, missing XXXX. With 12 months there would be an escrow excess over the required {$1800.00}. In its Review the Upcoming Escrow Account Activity ( XXXX, it lists a XX/XX/19 {$2100.00} tax payment for the second half when it had a bill which required a XX/XX/19 {$2000.00} tax payment for the first half.

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 2019-09-15
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for a forbearance because I lost my job once I found a job I wanted to start making payments on my loan. When I called XX/XX/2019 to make a payment I was informed they could not accept payment while I was in forbearance for 6 months and to file a modification In XXXX. In XXXX when I tried to file for a modification they basically told me I wasnt qualified and that I need to pay them upfront {$16000.00} or more they would foreclose on my house after I tried to make payments before and they would except it in XXXX they excepted a payment in XXXX and I thought for modification so Im being told two different stories now in XXXX they wouldnt except my payment and now theyre saying in XXXX that theyre going to send me a demand letter I need help immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: TX
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 disputed negative and erroneous items on my credit report, and i haven't heard a response back yet, and its been pass the 30 day deadline. I sent off letters via certified mail on XX/XX/2020 they received said mail XX/XX/2020. EQUIFAX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was charged a fee by Navient because they stated I was late in making one of my payments in XX/XX/2017. Being a customer with good credit, I did what most consumers do when their lender treats them unfairly, and took my business elsewhere. I refinanced with XXXX XXXX. XXXX sent the money to Navient on XX/XX/8.  Navient LOST THE MONEY, and proceeded to tell me it was my responsibility to prove that the payment happened. Only with several phone calls, tweets, and finally a three way call between XXXX and Navient was the issue finally ( I thought ) resolved. The refinance amount left some of the loan unpaid, so I paid it off. Except, guess who lost the payment! AGAIN! Now I'm submitting online documents. Seems to me this is a convenient pattern of missing payments, in hopes that I am the kind of customer that just forgets about things and doesn't follow up so that they can charge extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Resurgent Capital Services L.P.
State: FL
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:
15 USC 1681 Section 602 States I the right privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under aopen-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Everest Receivable Services Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, 2021, I received a letter from XXXX XXXX XXXX XXXX XXXX stating I allegedly owed a debt to them. On XXXX XXXX, 2021, I sent a letter to XXXX XXXX XXXX asking them to verify the debt. Almost a year later, I receive an email from a total different company attempting to validate the debt. During that almost year, I did not receive any correspondence pertaining to my original request dated XXXX XXXX, 2021. Upon receipt of the new letter from the different company attempting to collect, they immediately reported to the credit bureaus without answering my original request.

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 2019-09-14
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was renting apartment in XXXX, MI and the utilities was submitted through the landlord. I notified the landlord that I was moving and set a date to move out. I move out on the agreed date. The landlord must of kept the utility bill running for months after I left. I never received any notice from Consumers energy or the landlord of any bill. I later received a phone call from a collection agency stating I owed on a utility bill from consumers energy. I was confused but I agreed to pay the bill but the company needed to remove it from my credit history etc- since I had not clue that occurred.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief