BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-31
Company: NATIONWIDE ACCEPTANCE LLC
State: AZ
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:
In XXXX, I filed chapter XXXX Bankruptcy protection. In XX/XX/XXXX, I requested my plan to be dismissed. 

Roughly 5 months later I received notice for the first time from Nationwide that there was a balance due on the loan previously protected in the Chapter XXXX filing. 

Further the loan was " crammed down '' as part of my Bankruptcy XXXX filing. Nationwide reversed this " cram down '' after my Bankruptcy dismissed. 

Once I was notified that I owed on this vehicle I immediately settled the balance for less than what was owed but legally in full. 

After doing so, Nationwide has consistently reported erroneous information on my credit reports. 

Currently, on my XXXX  report they are reporting that my vehicle was " Charged Off '' 6+ times ; in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

This account was settled and legally paid in full in XX/XX/XXXX. 

I was not given an reasonable opportunity to pay/settle the debt after my bankruptcy was dismissed so as to avoid a negative reporting by Nationwide on my credit report. I became aware of the debt in XXXX of XXXX and immediately settled it once I became aware that it was due. 

For the past two years I have gone back and forth with Nationwide disputing and asking them to correct the unfair and inaccurate reporting of information on my credit report to no avail. They make one update and then add others that negatively impact 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 2019-11-02
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is undoubtedly recorded as a charged-off account. Kindly also produce documentation to ensure all the charges and credits in this claimed account that drove to the quite high credit amount you might have indicated on my credit report. My request to supply this documentation is a standard information demand based on my privileges approved with the fair credit billing act. Please make sure you straight away eliminate this erroneous post.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
I have been a with CAPITAL ONE BANK USA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
Fraudulent charges were made on my bank of America credit card. These charges were eventually removed, after contacting the company on several occasions. They are now, however, reporting late payments to my credit report for the period these fraudulent charges remained on my account but unpaid.

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 2020-02-25
Company: ONEMAIN FINANCE CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Last year in XXXX and XXXX I asked onemain for a payment relief they approved and I accepted and now they have yet to provide what they offered and they are ranking up fees. I feel that Onemain is a predatory lending company who deceived me financially by using what equity I had in my truck at the time and gave me a high interest rate of 22 %. I have been paying on this loan and in one year they are making {$6800.00} add that up in two years thats {$13000.00} and still my balanced owed hasnt moved down a notch. They refinanced my truck upto 21k and they are making one heck of a profit off of me. I cant afford to make high payments with a such a high rate I have emailed the main office and no answer. I want the interest and payments to go down this isnt affordable and this is taken money from people. This is highway robbery and taken advantage of consumers. I have read several other reviews that this has happened to many others. Why isnt the CFPB doing anything about companies doing such and how can they be in business. No one and I mean now one would consider this at all reasonable. I find this taken advantage of consumers and single mothers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: COAST PROFESSIONAL INC
State: AL
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 have been getting garnished since XX/XX/XXXX. Under the Cares Act, the garnishment was to stop XX/XX/XXXX & a refund should have been given if anything was garnished after that date. I was garnished on XX/XX/XXXX for {$400.00}, XX/XX/XXXX for {$160.00}, & XX/XX/XXXX for {$120.00} ... I was furloughed due to the pandemic on XX/XX/XXXX but was able to be hired back on XX/XX/XXXX. However, the garnishment was continued on XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$190.00}, on XX/XX/XXXX for {$160.00}, on XX/XX/XXXX for {$1000.00}, and XX/XX/XXXX for {$160.00}. Thats a total of {$2300.00} through the duration of the Cares Act & executive ordered extension. 
I made several unsuccessful attempts to contact the loan servicer, Coast Professional Inc., and filed a complaint on their website on XX/XX/XXXX & received a letter from them XXXX XXXX overnight on XX/XX/XXXX stating I was eligible for the garnishment hold under the Cares act and would be notifying my employer & would receive a refund of garnishments taken since XX/XX/XXXX. 
I spoke with my HR department today and finally received confirmation of the hold ( after I emailed them the letter I received ) but still unable to get any info on when Coastal or the Department of Education will or how they will issue the refund.

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: AMERICAN EXPRESS COMPANY
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
American Express is constantly contact me about a past due debt that is past the statute of limitations I told them a while back to stop calling me and put me on the do not call list but yet instead they called again today. I told them that I was going to report them to the FTC for harassment and please do not call me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-31
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown items on my consumer report. It has now been 30+ Days and I have not yet received a reply. I feel as if I'm being ignored and my issues are being disregarded. Section 611 ( a ), explains that failure to investigate disputed items within 30 days is cause for immediate deletion from the consumer report. I have been waiting patiently for a response, for more than the required timeframe. So, with that being said I am demanding that the items be deleted immediately. Their have been multiple violations committed during this ordeal which has me feeling as if I'm being taken advantage of. Ive also searched my name in the XX/XX/XXXX data breach system and learned that my info was compromised. PLEASE DELETE ALL DISPUTED ITEMS IMMEDIATELY.

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 2020-05-19
Company: Bread Financial Holdings, Inc.
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX, I ran a credit report on myself and saw there was a missed payment on an account I never opened XXXX my wife opened an account with Comenity Capital Bank " Your Tuition Solution '' in XX/XX/XXXX. Up to XX/XX/XXXX, I had never received any statement in the mail or online ( again, I didn't even know the account existed ). I called Comenity Capital Bank and while they could verify me by my social security number, they refused to give me an account number. 

Since XX/XX/XXXX, I have written Comenity Capital Bank on seven separate occasions, per their request, to dispute the error ; to date, they have never responded and have not removed the " late payment ''. 

On XXXX XX/XX/XXXX, I spoke with " XXXX '' at Comenity Capital Bank and she stated there was no way they could provide me an account number. When I informed them I was revoking their automatic debit of my account, XXXX stated that Comenity Capital Bank was not automatically debiting my XXXX Checking Account. I explained to XXXX that I had confirmed with XXXX that there was no " automatic bill payment '' coming from my account. She then changed her story and said it was a handwritten check. I told her that I was looking at an electronic, auto-drafted check ( # XXXX ) from Comenity that was being credited to my Comenity Account ending in XXXX. She then went silent for 2-3 minutes before coming back on the line and restated that there was nothing they could do and there was no way to provide me an account number. Additionally, I informed her that I had not received any paper statements since XXXX XXXX. 

I had no knowledge of this account being set up or how it was being drafted from my bank account. It was only when I conducted a credit check that I found out about the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: Freedom Mortgage Company
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The loan amount went up from the closing disclosure in an email to me on XX/XX/XXXX and closing on XX/XX/XXXX by {$5500.00}. This company should not be allowed to continue its predatory loan practices on veterans.

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 2018-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America is in the process of foreclosing on my home. I would like to sell and avoid foreclosure

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 2020-10-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reopened my XXXX XXXX Account after paying the balance down to XXXX. I have been using the card for three months now and each month the card is being reported as closed on my credit report even though the account is open. I have spoken with XXXX  XXXX ad even submitted a dispute. A representative from the corporate office called me a week ago. The representative was dismissive and she said all the from what she could see all the bureaus reported the account as open. However when I pulled all 3 reports from XXXX, equifax, XXXX  all 3 bureaus are showing the account closed. This violates my right to fair reporting and I would like the issue to be resolved or like to file a formal complaint with the state regarding this company. I have disputed this account serveral times and every month its being reported as closed. I need to make sure this account stays on my account each month as open as it will affect my ability to purchase a home. Please help. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CarHop XXXX reporting missed payments and in correct balance on credit report, preventing me ( pigeonholding ) from obtaining a safe vehicle to drive. The vehicle is not safe to drive and Ive made several attempts to repair the vehicle and/or settle account with CarHop XXXX  to no avail. I currently only have {$5000.00} worth of debt and CarHop is claiming {$4000.00} of it which has lowered my credit score into the 400s preventing me from a loan of any sort. I lost employment due to the non-functionality of the vehicle and was told by the manager of CarHop that she always drives with the check engine light on, when I called within my warranty to have vehicle repaired. When I went to get tags and registration for vehicle, I was told that there was a lien on the vehicle due to the previous owner running toll booths. CarHop still refused to take the vehicle back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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: Was not notified of investigation status or results

Complaint:
I disputed a fraudulent inquiry on my credit report on Equifax, which ended up being rejected. Then I submitted another complaint, in which Equifax said they looked into the matter and it was yet again rejected. This was about a fraudulent XXXX XXXX inquiry on XX/XX/XXXX on my credit report. XXXX  XXXX has confirmed that it was in fact fraudulent and they send me a letter confirming that they have reported the fraudulent activity to all XXXX credit bureaus. Equifax did not remove the inquiry. I submitted a complaint on the CFPB. on XX/XX/XXXX, Equifax responded that a letter was sent to my address with their response. I have not received the decision to their " investigation '' and would like one as soon as possible. Both XXXX   and XXXX  have removed the fraudulent inquiry because XXXX XXXX has informed them. I called Equifax and everyone literally hangs up on me. I don't know what else to do but to go to a small claims court. These complaints are my documentation that I have done my due diligence and have given Equifax ample time to respond to my dispute. I have a letter from XXXX  XXXX that was sent to me attached, indicating that they have investigated the fraudulent inquiry and have informed the credit reporting agencies of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX, Experian, XXXX  are not following the rules of the FCRA by providing me with verification of this debt, nor did XXXX, Experian or XXXX  correct the information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
collection agency is attempting to collect a debt that is not mine and I do no owe. I have sent three written requests for documentation verifying the details of the debt, yet no response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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: Was not notified of investigation status or results

Complaint:
I disputed a fraudulent inquiry on my credit report on Equifax, which ended up being rejected. Then I submitted another complaint, in which Equifax said they looked into the matter and it was yet again rejected. This was about a fraudulent XXXX XXXX inquiry on XX/XX/XXXX on my credit report. XXXX  XXXX has confirmed that it was in fact fraudulent and they send me a letter confirming that they have reported the fraudulent activity to all 3 credit bureaus. Equifax did not remove the inquiry. I submitted a complaint on the CFPB. on XX/XX/XXXX, Equifax responded that a letter was sent to my address with their response. I have not received the decision to their " investigation '' and would like one as soon as possible. Both XXXX and XXXX  have removed the fraudulent inquiry because XXXX XXXX has informed them. I called Equifax and everyone literally hangs up on me. I don't know what else to do but to go to a small claims court. These complaints are my documentation that I have done my due diligence and have given Equifax ample time to respond to my dispute. I have a letter from XXXX  XXXX that was sent to me attached, indicating that they have investigated the fraudulent inquiry and have informed the credit reporting agencies of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hello i have been calling and sending in letters to the credit bureaus Transunion, XXXX, and XXXX. about wrongful information being reported on my credit report. some of these accounts are not mine and some of them are reporting wrong. the last time i have sent in letters is XX/XX/22 and still no response. I have tried calling but i feel im being ignored and this is causing a hardship on me and building my 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 non-monetary relief
Consumer complaint received 2020-10-31
Company: Comerica
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My SSI benefit was to be posted on XX/XX/2020 However Social Security said they processed it and a direct deposit was made onto my direct express card!!!!! But where is it?????? It never made it on my card!!!!!!!!! Please help!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, several unauthorized ( fraudulent ) transactions occured from my debit card : CHASE ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} & {$1600.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX - {$900.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$10.00} On XX/XX/XXXX : the following transactions WERE FRAUDULENT : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - {$1200.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$10.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$58.00} I filed a complaint with Chase and was told that they found these to be valid transactions. I filed complaints with XXXX and they closed the complaints and told me Chase was responsible. I did not authorize any of these transactions.

Company response to consumer: Closed with explanation