BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
ON OR ABOUT XX/XX/XXXX I AUTHORIZED XXXX  TO TAKE XXXX A MONTH FOR A PAST DUE BILL. I TOLD THEM IT WOULD BE GOOD UNTIL ON OR ABOUT XX/XX/XXXX RECORDED! 

I FOR GOT TO CHECK IN XX/XX/XXXX TO SEE IF THEY STOPPED TAKING MY MONEY AT XXXX  XXXX. I CHECKED MY ACCOUNT IN XXXX OR XX/XX/XXXX I CALLED XXXX XXXX, RECORDED. I TOLD THEM DO NOT TAKE ANY MORE MONIES FROM MY CHECKING ACCOUNT OR MY DEBIT CARD. 

THE END OF XX/XX/XXXX I HAD TO PUT IN A STOP PAYMENT AND REVERSE THE UNAUTHORIZED PAYMENT TOOK BY XXXX ACH TRANSACTION. 
AFTER I TOLD THEM TO STOP THE PAYMENTS RECORDED! 

THE END OF XX/XX/XXXX XXXX  DID IT AGAIN BY COMMITTING FRAUD XXXX  WITH NO RESPECT TOOK ANOTHER PAYMENT. 
THEY CHANGED THE ACH PAYMENT TO A CHECK NOW!!!! 

KNOWINGLY IN VIOLATION OF 18 U S C 1001. 

THE END OF XX/XX/XXXX XXXX DID IT AGAIN AFTER I CALLED AND I PUT IN SEVERAL STOP PAYMENTS AT MY BANK WITH FEES. AND DISRUPTION TO MY BANK ACCOUNTS AND MY CHECKS WAS BOUNCING!!! 

I CALLED MY BANK TO GET THE FEE XXXX REVERSED AGAIN! AND A STOP WAS ISSUED! 

MY BANK SAID TO COME IN AND CHANGE MY ACCOUNT NUMBER I HAD FOR ABOUT 30 YEARS. 

I TOLD MY BANK I WAS CALLING THE POLICE DEPARTMENT FOR THESE REPEATEDLY BAD ACTS DEALING IN VIOLATION OF THE BANKING LAWS AND RULES AND POLICY. 

YES I WAS HARMED IAM LOOKING FOR THIS WHAT EVER CLAIM THEY ARE ASKING ME TO PAY. 

I AM SEEKING DAMAGES FOR MY PAIN AND SUFFERING IN AMOUNT OF {$15000.00} AFTER MY BANK CONTACTED ALLIANCE WITH MY CHARGES OF FRAUD AND GOING TO THE POLICE, AND THE STOP PAYMENT. 

XXXX DECIDE TO COVER THAT XXXX! 
BY SENDING ME A FRAUDULENT LETTER I GOT YESTERDAY DATED XX/XX/XXXX. STATING : DEAR XXXX XXXX THIS IS TO NOTIFY YOU THAT YOUR POSTED DATED CHECK OR PRE AUTHORIZED CHECK IN THE AMOUNT OF {$50.00} WILL BE DEPOSITED ON XX/XX/XXXX. THANK YOU FOR YOUR PAYMENT!!!! 

NOT TRUE!!!! 

SEE AND READ MY STOP PAYMENT HISTORY AT XXXX XXXX XXXX LISTED IN THIS COMPLAINT. AND MY COMPLAINTS FILLED AT MY BANK FOR THE MONTH OF XXXX, XXXX AND XX/XX/XXXX. THATS FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to access my Credit Reports from Transunion, XXXX and XXXX which have not been allowing me to do that lately keeps saying error and there are a couple of things that were settled however not updated because score is still the same

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 2017-08-07
Company: ERC
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:
On XX/XX/XXXX I send a letter requesting verification of a collection account. I have sent this letter before and have received no information whatsoever validating the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Alliance One, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Shortly after XX/XX/2019 I received a collections letter from Alliance One Receivables Management , Inc. of XXXX, PA. They are attempting to collect {$680.00} without verifying the account, without my rights to dispute or validate the collection or by providing a permit number that says they are legally allowed to collect in the state of NC where I reside. 

I have looked this company up on the XXXX XXXX XXXX XXXX XXXX of NC and did not see a permit number or any information that says they are allowed to collect this debt from me. 


Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: AES/PHEAA
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:
XXXX online XXXX XXXX XXXX XXXX XXXX Bank. XXXX at XXXX margin. To increase with the market. With origination fee the loan ammount was XXXX Since XXXX I have paid XXXX dollars and just received a new term loan agreement stating I still have another 102 months. With a completely different lender on it. 

This company is such a scam and should not be allowed to issues loans to consumers. 11 years paying on a XXXX loan and still owe XXXX dollars, how is this possible? I have asked to be sent proof of ownership to the loan. I have also asked for detailed descriptions of payments and breakdowns. I received half the statements and not really anything complete. 

Personally none of my DOCUMENTS seem to match the lenders and they are unable to provide the orginal contract agreement as I requested that as well. Overall I have paid more than enough money in and now they tack on another XXXX payments. How? Under what contracts etc? This place needs investigated further. My friends in XXXX XXXX were also victims of these crooks. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have spoken with U.S Department of Education, XXXX XXXX XXXX and Nelnet in regards to my student loans reporting incorrectly on my credit report. I have contacted each agency over 20 times and have gotten nowhere. Each representative has instructed me to contact an out source company so that I can pay to get student loans that " were not '' a collection item out of collections. My student loans were in deferment as a result of continuing my education. I was told by XXXX a supervisor at the U.S Department of Education and was told that I had to consolidate my student loans for the error on my credit report to be corrected. I was told that I had to wait until the new consolidated loans to report and to contact them so that the collection reported loans can be removed from my report. The accounts have since reported and these collection still have not been removed from my credit reports. This has caused me a major hardship, because not only am I a victim of identity I am a single mother of XXXX and homeless as a result of COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Bull City Financial Solutions, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Bread Financial Holdings, 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 have a loan with XXXX and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX  and XXXX   werereporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
They call several times a day from different phone numbers. They are also calling family members regarding my debt and refuse to stop calling

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-30
Company: Experian Information Solutions Inc.
State: AR
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:
As for the past 19 years, I have been trying to fix a problem with all credit bureaus for miss using my SSN and creating a new identity with my daughter 's SSN number. The SSN number got switch while working for XXXX XXXX XXXX in the year on XX/XX/XXXX. Experian has sent me a letter after filing many complaints with CFPB and ignoring everything that has been submitted to Experian. Experian has put loans under my credit report that were not mine in the year XXXX with XXXX XXXX.After filing many complaints against Experian the company sent a letter asking for my personal information on XX/XX/XXXX, received on XX/XX/XXXX. This information has already been sent to Experian on XXXX XXXX, tracking number USPS tracking XXXX XXXX XXXX XXXX. I will not send any more information to any credit bureaus because of what has occurred to me for the past 19 years since XXXX, which is horrible to put me or my daughters in this situation. I have responded to every requested that has been asked of me, except this one because the information has already been generated to Experian in this matter through certified mail with a return receipt. I had credit monitoring insurance and both claims were not processed or I never knew the outcome of both claims number are as followed XXXX and claim number XXXX, which there were no results from either claim I filed on this day of XXXX XXXX know this is a duplicate, but the first one did not upload correctly, so I had to do this after discovering my upload documents did not upload.Thanks

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 2019-03-12
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX//2019 - I sent a letter to the Dept of Ed/Navient requesting the original instrument of indebtedness in its entirety to validate the debt obligations that are reporting 8 times on my credit. 4 accounts show current and 4 show closed. I received back the first page of a master promissory note. The other 7 pages are missing. There are no account numbers to verify the account numbers reporting on my credit. The single page master promissory note does not show the amount of the debt requested. I also received a computer printed balance statement of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called Loan Depot on XX/XX/XXXX to refinance my mortgage. I spoke to XXXX XXXX @ XXXX XXXX XXXX XXXX. He ran my credit report on XX/XX/XXXX and it was XXXX. I provided him with necessary documents in order to proceed with the loan. I also mentioned to him that I have solar panels and he said it would not be a problem. 

On XX/XX/XXXX, I received an email from XXXX XXXX XXXX ( Production Analyst- Loan Depot ) informing me that my loan has been conditionally approved. 

On XX/XX/XXXX, I received a voicemail and a message from XXXX XXXX informing me that there is a solar lien that is tied up to the property so they can't process the refinance. She sent the file back to the loan officer XXXX XXXX. I have been trying to contact XXXX but he was not returning my calls or answering my emails and text messages. 

On XX/XX/XXXX, I called Loan Depot. Their representative was able to find XXXX XXXX ( XXXX ) who is a Production Manager and supervisor of XXXX XXXX. She sent an email to XXXX XXXX regarding my request for update on the refinance and other concerns. 

On XX/XX/XXXX, XXXX XXXX called me saying that they were unable to roll in the cost of solar panel loan into the refinancing. He added that they were unable to continue with the refinance loan as written. 

On XX/XX/XXXX, I texted XXXX XXXX to remove the hard inquiries from my credit score since they're not going to proceed with the loan.They have not done anything. He refused to remove the hard inquiries on my credit score and all he did was argue with me thru texts. 

I called XXXX on XX/XX/XXXX inquiring about their lien on my property. The representative said it is under UCC1 - Uniform Commercial Code 1 financing statement. He said the lien can be temporary lifted, just send authorization letter. Loan Depot could have just called XXXX to temporary lift the lien. But they have not done anything. I have to research this myself. I haven't heard from XXXX XXXX since XX/XX/XXXX. They don't follow up and were not competent. 

All I am requesting is for them to " remove the hard inquiries on my credit report ''. It dented my credit score. I do not know if I can refinance anymore or have a better chance of refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
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:
This wois placing fraudulent information in my credit history and current status.

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 2018-03-05
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
The Story This is basically an office front that will look for bank financing for you to purchase panels and then subcontracts out to local companies to install solar panels. My project took nearly a year, when initial estimate was 3-6 months. My project manager quit that company, which was a red flag, but the panels were already delivered. I didn't know if I could cancel at that point, but I probably should have asked. 

They used one loan company, XXXX XXXX, to obtain the 50 % down portion ( {$21000.00} ) and in the middle of the construction, switched to a second loan company, XXXX XXXX , XXXX promising to pay off the first loan, but they never did, leaving me with 2 loans for 150 % ( {$63000.00} total ) of the promised cost. Once I found out, magically, no one answers the phone at XXXX XXXX. I called both loan companies to try to find out what my options are, but I couldn't get any help from either of them. Half of the money obtained from XXXX should be going to XXXX XXXX to pay off the first loan and I feel defrauded and asked for help, but got none. 

After months of calling and trying to communicate with the Finance dept at XXXX XXXX, the Finance chief quit the company and told me that it would be unlikely that they will refund the money owed. They knew what they were doing when they made false promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is an unpaid loan balance on my credit report that is keeping me from purchasing a home. This vehicle was court ordered to be paid for my ex-spouse. Per the divorce decree I am not responsible for this debt. 

Santander Conumer USA XXXX XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Specifically online bill payments of {$1900.00}. on XXXX and {$2000.00}. on XXXX both to XXXX XXXX. The management office denies receiving the payments. 
Two management agencies are involved, XXXX XXXX for the XX/XX/2019 payment and XXXX XXXX XXXX for XX/XX/2019 payment. On multiple occasions I spoke with CitiBank online services. On two occasions I received written documentation that XXXX XXXX  did not receive payment. XXXX XXXX no longer manages XXXX XXXX. I called XXXX XXXX  to inquire about the payment and the accounts manager informed me that they did not receive any payment. XXXX XXXX also denies receipt of either payment for dates referenced and Citibank has not credited my checking account for the total {$3900.00}. dollars. 

Please sort this problem so that my checking account is correctly credited. 

Thank you Citibank Response reference numbers XXXX, /Trace # XXXX for XXXX. XXXX XXXX # XXXX for XXXX. Acct ending 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 2018-03-05
Company: Experian Information Solutions Inc.
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:
Today I was contacted by appointment with XXXX XXXX in an attempt to transfer XXXX investment accounts as a result of my recent departure with my employer. I called XXXX XXXX ( also XXXX ) to move my investment account to a different selected portfolio within their infrastructure. I met with a financial advisor who spent in totality more than 2 hours walking me through my options over the course of the last two days. I elected an IRA account with no withdrawals and was taken through the account launch process which lasted approximately 30+ minutes. 

On the telephone, I specifically asked the representative if my credit report was going to incur a hit and I was advised " no, that this was not required ''. However, upon submitting my personal and financial information, I received an automated denial notice with indication as to why. I asked to speak with a manager and was finally advised that I was listed on a " do not open warning list '' with no further explanation. I then called XXXX  who transferred me to the " closing department '' ( XXXX ) and was advised that XXXX closed a checking account in my name for " reasons unknown '' in 2013. They then advised that they reserved the right to do so despite the fact that my credit was in good standing, I had no outstanding returned checks and quite frankly never have, and despite me having absolutely no accounts in collections or otherwise and maintain a quality credit ranking. 

I further inquired as to why XXXX would allow me to keep an investment account with my former employer and in-turn, refuse approval of an IRA account ( XXXX ) when in fact, they solicited and even specified that I review my available options to reallocate these funds to another XXXX investment product now that my employer is no longer making contributions. I asked why they would send me solicitations regarding my options if their system of record was in-fact predetermined to deny my application without a true and clear review of my credit report and financial qualifications. Thus, AFTER placing an unnecessary inquiry on my credit report and taking me through hours of a deceitful exchange. 

I have never been denied a checking account or credit for that matter and maintain an excellent rapport with XXXX XXXX for day-to-day banking. As such, XXXX should be utilized by XXXX as a true example of professional banking standards and regulatory compliance. This was surely a waste of XXXX employees time, of mine and is a clear example of a break in process.

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 2020-12-02
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: Their investigation did not fix an error on your report

Complaint:
I filed a dispute against XXXX XXXX XXXX  early XX/XX/2020 when I noticed it appeared on my credit. I had no knowledge of nor was I informed of the debt prior to submission on my credit report. Upon my investigation I found out the it was a 3rd party attempting to collect a debt on a account ( XXXX XXXX XXXX  ) that was already REMOVED from my credit as it was proven to be a result of identity theft. The removal of that account was over a year ago. in response to my complaint, XXXX XXXX responded via cfpb that indeed they did not have verification proof of the purchased account, agreed to stop collection. The credit bureaus however claims that the information is accurate and reporting correctly but will not provide me with proof of validation. The credit bureaus could not have been provided with evidence of validity if the actual company admitted to NOT having validity themselves. This is an attempt to collect an identity theft account and need to be removed urgently. There are police reports, FTC reports, XXXX  cases, numerous CFPB claims and the actual federal government has actually dismissed the loans associated with XXXX as I have NEVER attended this university. Remove this account from my credit.

Company response to consumer: Closed with explanation