BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-11
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 obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX XXXX XXXX XXXX XXXX with the amount of {$7300.00} - XXXX XXXXt XXXX XXXX XXXX with the amount of {$3400.00} - XXXX XXXX # XXXX with the amount of {$2300.00} - XXXX Bank XXXX # XXXX I have also noticed these unknown addresses that appeared on my file : - XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX  XXXX XXXX CA XXXX - XXXX XXXX XXXX XXXX CA XXXX I have already reported the incidents to the credit bureaus ( XXXX, Experian and XXXX ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.

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 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I received a copy of my credit report from XXXX XXXX and XXXX and it shows several student loans, but the problem is the loans are the same exact loans they just switched servicing companies so only one company should be reporting the loan not both. They have the same exact open dates, same amounts and same late months it's hitting twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Since opening this credit card from Citibank through Best Buy, I have made numerous on-time, over the minimum due payments. Now, Citibank is refusing to issue my credit immediately to bring my account current-they will " credit my account in 1-2 billing cycles ''. This is unacceptable. I discussed with them online via secured email, customer service and finally with XXXX XXXX with escalation services to resolve the matter to immediately issue the credit to my account. I can not trust them to issue my credit in 1-2 billing cycles. This is my first experience with CitiBank and will be seeking other companies to do my business with.

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 2021-04-19
Company: M. G. Credit, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent 2 certified letters that were never picked up intentionally because they can not provide information that I asked for so this company feels that if they dont touch or accept certified mail their problems will go away.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I been disputing this account for years because its has over a dozen errors on the account on all three credit bureaus, none of the credit bureaus is consistent with neither of them, and I'm going to take legal action, & collect damages this company have done to me over the years. 

I will be attaching documents.

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 2018-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I started receiving phone calls from this number on my personal cell phone, home phone, and work phone on X/X/18. First and foremost they are NOT to contact my job for any reason. This is a personal matter and it should/will be handled as such. My number one complaint is that they are calling me asking me to verify my identity via social security number and date of birth to some strange person who advised the call is being recorded. If you are calling me in reference to a debt and I have verified that you are speaking to the person you asked for I will not give you or anyone else who is calling me from some XXXX my personal information There are too many scams going around and the only thing they would provide to me was that they were calling on behalf of Capital One and would n't give me anything else. I have not received anything in writing from this alleged debt collector about what or who they are and what they are trying to accomplish.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-01
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had paid my credit card off using my checking account. The checking did not have enough funds, and I did n't bother with transfering the money from savings to cover it because I was going to rely on " overdraft protection. '' I was then charged a fee of XXXX for that which I have never been charged for before. I called and complained about that, and all they said was " this was in the paperwork. ''

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 2022-03-11
Company: EQUIFAX, INC.
State: CT
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 sent them my letters a few times first letter in XX/XX/XXXX they completely ignored my letters then i sent over letters XX/XX/XXXX and still no reply on theses items i disputed on my report its like they are just ignoring me.It hurts when i have to spend time and money to write letters to them for them to not give a reply on the status of this and they were suppose to get back to me within 30 days. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I left out the gym around XXXX walked to my car and noticed glass on the ground and my window on the back passenger side broken. I immediately called the police. I checked underneath the passenger side seat which contained my wallet and it was gone along with everything that was inside my drivers license, debit card, credit cards and my social security. I've been fighting fraudulent accounts that has been opened in my name ever since then.

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 2017-11-01
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Protection Association began reporting a XXXX XXXX collection of XXXX in XXXX XXXX. As I have no legitimate debts to XXXX, nor XXXX, whom XXXX acquired the account from, nor have I received any bills to suggest otherwise. There was an unexplained increase to the bill once XXXX took over but that was adjusted after complaint to XXXX. I have disputed the collection to the various reporting bureaus. Oddly, the company has responded to the disputes differently for each XXXX. While it was deleted from XXXX, it was verified as accurate to XXXX. I 'm no expert on how credit reporting works, but common sense would tell me that if a debt is n't valid in one place, it is n't valid at all. So how are they able to report it differently?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: MARINER FINANCE, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I took out XXXX different loans with Personal Finance Company back in XXXX. I had paid these down by several hundred dollars each. I fell behind XXXX month and mailed them XXXX checks to catch up the amounts I was behind on. Not long after I received a letter from an attorney for them. I called the XXXX XXXX office to find out what was going on and they claimed that they did n't receive my payments. I made payments then over the phone and was told I would be sent an agreement by mail from the attorney and everything would be taken care of. They began reporting me as over XXXX  days late on my credit report which was NOT accurate information. The attorney eventually mailed me the agreement to sign that I signed and returned to them, agreeing to make my payments as outlined. The next day I got served papers by the court. So nothing they told me was true. From then on I had a very difficult time getting any of them to contact me back about any of this. I requested multiple times for them to mail me my payment history with the remaining balances on my accounts because I felt that they were claiming I owed a lot more money than I did, and I was uncomfortable sending even more payments when they were n't being reflected on what I owed. I reached the point where I had given up getting clear information from them. Several years have passed and they have been reporting me as over XXXX days late on my credit report every single month. They never did fix the initial late credit reporting that was inaccurate. This has ruined my credit and caused my family a lot of detriment. I have tried to resolve this but I have no idea who is the correct person to contact and after mailing letters to their corporate office and trying to contact the attorney I am getting no where. I am trying to set this account straight even though I was grossly misled by this company. Their credit reporting is extremely unfair and they will not even get back to me so I can try to negotiate anything. If they ca n't report accurate information than they need to delete their reporting on 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 2021-05-18
Company: First Credit Services Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I canceled a gym membership that I had with XXXX XXXX  in XXXX Massachusetts back in XX/XX/2020. I was told that the account was in fact canceled effective XX/XX/2020 and they will no longer collect money out of my bank account. Surprisingly enough I have been receiving harassing phone calls from a collection stating that I owe XXXX XXXX {$80.00} for the membership that I thought was no longer active. I have tried unsuccessfully in many occasions to contact the gym to no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: TX
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 obtained a copy of my credit file on XX/XX/2021 and the information did not relate to any of the transactions that I have made. The following item does not belong to me and is a result of fraud that I did not authorize : - XXXX BANK XXXX # XXXX with the amount of {$2800.00} I have already reported the incidents to the credit bureaus ( Equifax, XXXX and XXXX ) as well as the police department to obtain a police report ( see attached ), but I haven't received any prompt responses that could correct the fraudulent accounts on my credit report. 

Therefore, I am requesting that these accounts be completely removed and blocked from my credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage with Quicken Loans on XX/XX/XXXX and in speaking with my purchase banker XXXX XXXX we discussed " rate lock '' at 3.625 % and he told me that it would only cost {$500.00} which I could pay with a credit card and then be refunded at time of close. Given the rate had dipped I wanted to lock it in so we proceeded on the call where he took my info and CC #. When it came time to close on XX/XX/XXXX my attorney pointed out on the paperwork that Quicken was attempting to charge me over {$13000.00} in fees ( points ) on my loan which was never discussed at any point in time ( see call recording from XX/XX/XXXX ). Additionally, XXXX told me that they would lock the rate for 60 days to get us to close and came to find out they only locked it for 40 days then raised the % of points on XX/XX/XXXX which cost me an additional $ 2,000+. Through subsequent research they moved this date around from XX/XX/XXXX on XX/XX/XXXX then on XX/XX/XXXX moved the date out to XX/XX/XXXX with more points added for no reason - a clear grab for more $ . During this initial call I was asked to docusign nearly 100 pages of documents that quickly scrolled through the screen. We then were unable to get a hold of anyone at Quicken including my banker at closing and were put at risk of losing our home due to being given the run around and delay so we would just pay the fees. We were directed to XXXX XXXX at Quicken who listened to the call recording an admitted that Quicken never once discussed paying points at anytime on our calls. Additionally, Quicken chose to " archive '' only 6 documents out of 50+ on the portal and one of those was the Interest Rate Disclosure ( Rate Lock ) paperwork and Intent to Proceed from XX/XX/XXXX which further obfuscated my ability to crosscheck any of this information for reference during the process which added to the intentional deception and I believe is a common practice at Quicken to lock out their clients from critical data and collect fees. I believe this falls under the Deceptive Act or Practice guidelines specifically due to the omission of critical and incredibly costly information. 

My situation is incredibly similar to complaint # XXXX filed with CPFB on XX/XX/XXXX and matches up with 15 other complaints against Quicken on the CPFB dating back to XX/XX/XXXX. This practice is clearly meant to be misleading and deceptive to their customers and especially for a first time home buyer like myself and an attempt by Quicken to collect massive fees from unsuspecting buyers by omitting critical information. This business practice is predatory and preys on an individuals trust. This was recently escalated to their " Executive Office under XXXX XXXX ( XXXX ) so they clearly realize they are at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: CA
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:
1 ) XXXX XXXX XXXX Account number : XXXX Open Date : XX/XX/XXXX Balance : Chargoff {$120.00} 2 ) XXXXXXXX XXXX  Account number : XXXX Open Date : XX/XX/XXXX Balance : Collection {$3200.00} 3 ) XXXX XXXX XXXX  Account number : XXXX Open Date : XX/XX/XXXX Balance : Collection {$890.00} 4 ) XXXX XXXX XXXX 
Account number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} 5 ) XXXX XXXX XXXX. 
Account number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} Items 4 and 5 are duplicate reportings with same account number. 

6 ) XXXX, XXXXXXXX XXXX XXXXXXXX Account number : XXXX Date Open : XX/XX/XXXX Balance : Collection {$1800.00} All of the companies named above violated my 15 U.S.C Section 604 A : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also violating 15 U.S.C section 1692 section 805 A, States a debt collector may not communicate with a consumer in connection in the collection of any debt at any unusual time or place known to be inconvenient to the consumer.

I am requesting these negative reports be removed off my 3 credit reports immediately. XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
Payments are made in advance of the due date. Sometimes to make credit available mid cycle, sometimes to pay off entire balance when payment is due. Regardless of when the payment is made Capital One : - Receives the money from my account. ( This month payment was made XX/XX/XXXX and posted by Capital One on the XXXX, money removed from my account on XX/XX/XXXX ) - then - Reflects the payment on the Capital One account showing that the money was received ; reflecting a ZERO balance due. 

-However, I am not provided any available credit even though they have been paid and have posted the money as payment in full. ( this scenario is routine and seemingly illegal ) - Keep in mind I have insurance payments that are established on this card that are to be charged every month same day ... that this card routinely DENIES the charge even though they have been paid and have in their possession money from my bank account ... this policy has placed my insurance in jeopardy on more than one occasion. 

- During my research and while writing this complaint I have checked on my account with Capital One for the fourth time in two days and voila!! They have given me my available credit AND some credits from merchant returns just now posted as well ... to me meaning that they were using that money for free as well instead of providing me credit that was due to me. 

I can not believe that these procedures are legal and they certainly are not ethical ... jeopardizing my insurance and in one situation a monthly payment for my husbands health care via mens clinic ... its not right and it shouldn't be tolerated or legal. I/we are counting on you as a governing agency to reel these people in and hold them accountable. 
We realize in the world of credit card companies we are regarded as " deadbeats '' because we use the credit then pay off the entire balance at months end... we should not be punished for being prudent and responsible. 

We look forward to hearing back from you as to how you have proceeded and any legislative suggestions you have introduced to law makers and the name of said law maker. 
Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Navient Solutions, LLC.
State: NY
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 student loans that are serviced by Navient. I do not know who actually lent me the money. Unfortunately I never obtained a job that paid enough to pay the monthly payments the different loan servicers want. While I have received numerous forbearances due to low income, I am now retired and receive social security. Several years ago someone from XXXX XXXX told me about a program XXXX XXXX ( the loan servicer at the time ) had that tied your loan payments to income. I applied for it and was told by phone I was accepted. However, they did not know how much the monthly payment was. I caled back numerous times and got different people each time and received different responses. Soon Navient took over the loans and I reaplied for an income based repayment program. Again I was informed by phone that I was accepted but I had no notice of what the payment was going to be. Even though I have repeatedly requested that my communications be by mail, Navient never sent me any IBR program acceptance letters, or official notice of how much the payments were. They only send emails. In the fall of XXXX I was informed by phone that I was in the program, but within one month was getting email notices from Navient that I owed payments of over XXXX per month. Every time I called to ask about this, the representatives in the call center ( which was located in the XXXX - I asked them ) didnt know about the IBR program or was told to reapply. At Navient the right hand never seems to know what the left hand is doing. People also told me I qualified for forgiveness because I was a full time instructor for XXXX students. Navient said I did not qualify. 

I am now a senior now XXXX XXXX XXXX XXXX ) and dont know what to do. I am very scared about the future and fear Navient will take my social Security or my home. I can afford a minimal payment, but cant get the loan servicer to commit to a firm arrangement. Please help and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE BEEN REQUEST EQUIFAX TO REMOVE FOR CREDIT XXXX XXXX XXXX TO REMOVED THIS ACCOUNT FROM MY CREDIT REPORT FOR OVER A MONTH THEY HAVE REMOVE ITEM.

Company response to consumer: Closed with explanation