BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I started writing this company XX/XX/XXXX asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dating back XX/XX/XXXX.XX/XX/XXXX i  wrote another letter asking them to validate the debt this company say i owe via XXXX.TRANSUNION, XXXX or some contractual obligation. They just give me response letters stating it's been verified and updated without any letters bearing my signature or obligation to pay this debt. I started writing letters again XX/XX/XXXX same response from XXXX, TRANSUNION, XXXX XX/XX/XXXX I received the same response from the credit bureaus without any proper validation or contractual obligation bearing my signature. I wrote letters again XX/XX/XXXX to the credit reporting agencies XXXX, TRANSUNION, XXXX. And on XX/XX/XXXX I received a letter from XXXX stating the company i been disputing these letters with had removed the inaccurate accounts from my credit file via XXXX ONLY I wrote letters back to TRANSUNION & XXXX ASKING THEM WHAT INFORMATION OUR THEY WITH HOLDING FROM ME BECAUSE XXXX HAS REMOVED THE ACCOUNTS. AND I ASKED THEM " DON'T YOU GUYS GET THE SAME INFORMATION FROM THE SAME CREDITOR? I CHECKED MY CREDIT REPORT ON XX/XX/XXXX THE INACCURATE ACCOUNTS WERE REMOVED FROM XXXX   CREDIT REPORTING AGENCY.I WROTE A LETTER TO TRANSUNION XX/XX/XXXX ASKING THE CREDIT REPORTING AGENCY ABOUT THE ACCOUNTS IN QUESTION AND I HAVE YET TO GET A REPLY ITS BEEN OVER A MONTH SINCE I WROTE TRANSUNION ABOUT THESE INACCURATE ACCOUNTS. I WROTE TRANSUNION AGAIN ON XX/XX/XXXX NO RESPONSE BACK. I WROTE AGAIN XX/XX/XXXX, XX/XX/XXXX. IT'S BEEN 3 MONTHS SINCE MY LAST LETTERS ASKING TRANUNION TO VALIDATE THIS DEBT THEY SAY I OWE.I REQUESTED " VALIDATION '' THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE SOME CONTRACTUAL OBLIGATION TO PAY THEM. I HAVE YET TO GET A REPSONSE. 


Desired Resolution / Outcome

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 2017-11-22
Company: WELLS FARGO & COMPANY
State: CA
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:
I have had many unauthorized charges on my joint checkings and savings account over the past three months ( XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX 2017 ). Over these three months, I have changed my account three times and have received several temporary cards. However, in XX/XX/XXXX, when I called customer service because my card was not working they told me that the card information I was providing them with did not match the information on their system. I then had to physically go to the bank to speak to a representative and get reissued another card. The card I received at the bank did work. 

I then continued to see unauthorized charges which led to a constant overdrafting on my account. I have not been able to pay my bills on a regular basis because of the unauthorized transactions that have left me with insufficient funds. 

I closed my joint checking and savings account completely approximately around the first week of XX/XX/XXXX and then opened up a checkings account around that same time. However, I still saw unauthorized charges on the new account so I requested a new temporary card on XXXX XXXX, 2017. 

While Wells Fargo reversed the charges that were unauthorized, there was a delay in getting the funds reimbursed back into my account which affected my ability to pay my regular bills.

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 2019-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On my credit report under a hard inquiry is a word ... its XXXX and nothing else. When instructed to contact the creditor, underneath says Capital one auto finance, says the inquiry was made XX/XX/XXXX and THATS absolutely false. I was also notified that XXXX had a massive leak of information and that my password was involved.. theres been two data breaches where my information has been involved. I dont know how this inquiry happened but I didnt make it and its gon na stay on my credit report until XXXX of XXXX so Id really like it taken off..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Experian Information Solutions Inc.
State: OH
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:
With XXXX, I have submitted the court documents of the identity theft I have been dealing with regarding a XXXX Credit Card, XXXX XXXX, XXXX XXXX and a debt collector account. After the documents were submitted they stated that the debt is mine and refuse to remove it from my credit report. XXXX  has removed the accounts, and it has now gotten to the point where I can not get student aid due to the credit reports. I 'have called XXXX  multiple times with no avail and filed multiple reports with the same answer over and over. I am just hoping someone can help because I have gone through the police and the courts, but what will satisfy this company to fix my 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 2018-05-15
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Good Afternoon, I had an account with Great Lakes for a FFEL Consolidated Loan. I defaulted on the loan due to unemployment. They were able to get my tax return refund from the IRS. I understand that they can do that. What I don't understand is they also increased my balance by over {$1000.00} with no explanation. I am employed now and I am making payments, but I didn't if what they did by increasing my balance is legal. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This a recurring problem that needs to be fixed ASAP. All 3 credit bureaus dropped my credit score significantly due to a software problem in your algorithms.

What I mean is that I had 3 high balances reported One from XXXX XXXX for XXXX, XXXX XXXX for XXXX and checking plus for XXXX All 3 of these balances were zeroed out before the statement dates before the end of XXXX, 2021. 
My credit scores should be well over XXXX across the board.

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 2017-11-22
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX, 2017 I received a call from a number that I did not recognize. I did not answer the call. Not 30 seconds later the phone rang again with the same number. Again I did not answer. Again not 30 seconds later the phone rang another time. I finally answered it. This was at XXXX XXXX I spoke to a very rude person named XXXX. She said was with Cash Central and asked me for the last 4 digits of my SSN.  She informed me that I had a past due balance of XXXX. I asked why she called three times in a row and she then told me that she could do that and since it was before XXXX XXXX it was in her right to do so. She then went into this lecture about how I needed to pay my bills and if I had just been paid why hadnt I paid this bill. I told her that I did not have the money at that time and she then said " well I think you never intended to pay this. '' Granted I had made several payment to them in the past. This is only a few days past due. The payment was only due on the XX/XX/XXXX. I revoked ACH debits because I thought they were only going to take out a payment of XXXX and they took out a payment of XXXX. XXXX then demanded that I pay the full amount now and that if I did not they would only be forced to take this matter further. She threatened me and then she hung up on me. I called the place back. Got the same XXXX who then pretended to not know who I was. She then proceeded again to demand money and again tell me that I wasnt going to pay anything back. When I revoked the ACH I asked them to only contact me by email. I informed her of that and she told me that I wasnt going to get " special treatment '' and again demanded money by the end of the month and kept pressuring me to set up a payment with my debit card. I then asked to talk to her supervisor. Again very rude, very hateful. I have asked them not to contact me on the phone again. Calling three times in a row at XXXX is rude and disrespectful. The fact that I asked them not to contact me this way in writing and yet they still continue to harass people. XXXX continually threatened me with taking this matter further. It is not even 30 days late. The supervisor then yelled at me over the phone saying that she had other customers to take care of -- after she told me that this was a collections call and not customer service. These people are terrible and threatening that take advantage of people.

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 2017-11-22
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased several items from Conns and after one week one of th items broke and wanted to return all items due to the poor quality. I had to come in an pay a restocking fee of XXXX to pick up all items. I tried to contact CS and ask them to waive the fee and they refused and also indicated that they do not have a corporate office. The agent continued to tell me what he could n't do as this was very frustrating and overwhelming. Additionally when arriving at the store location I was told I would only need to pay XXXX for a restock by store agent XXXX and now I am told by tje woman store XXXX that I would need to pay restock plus deliver which is a total of XXXX items + XXXX delivery charge total of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: AL
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:
Equifax has a Bankruptcy showing in my credit report that IS NOT MINE, I have never filed for bankruptcy, and there is not a clear cut way to protest this record for me so far, also the record shows false information reported by XXXX, i have never filed bankruptcy,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/XXXX, I have been disputing a Care Credit account that has been reported to the credit bureaus as charged off and purchased by another lender. The lender who purchased the account is appearing on my credit report as well.I never communicated with the lender regarding the account. However, I was contacted by a different agency which I resolved the account for {$XXXX} on XXXX XXXX. The credit limit or original amount being reported is {$XXXX}. The credit report still shows the account as charge off. The lender who purchased the account has not reported an update to the account either. So. the account still appears as a outstanding debt. I have been consistently disputing the account by providing the paid letter from the different agency to confirm I have resolved the account. The investigation results always states the information is being reported accurately however it is not. I have contacted the lender who is listed as the purchaser regarding the account being resolved with a different agency and they did not update the account either. When I spoke with the reporting lender they could not provide any information regarding the care credit account. I don ; t understand why they are reporting the account on my credit report but could not provide me with the updated account information. I would like to rectify this issue so my credit report would have accurate information listed.

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 2019-09-25
Company: American Credit Acceptance, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Hi, Credit Acceptance in In XX/XX/2019 The company a Reprocessmy car and I Paid the company online 2 weeks before I did not call them back because they harassed me and went therefore say you have to pay and I was explaining my situation When I didn't call them to make more payment arrangements so did decided to take the

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: BB&T CORPORATION
State: OK
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a vehicle and got financed with XXXX XXXX  XX/XX/XXXX I got a 72 month loan with payments in the amount of {$450.00}. I currently have a balance of over {$9000.00} and they told me I have 22 payments owed each in the amount of {$490.00} totaling XXXX. We have made a whole lot more payments over the term of 72 months. I called and spoke to the " CEO '' XXXX/XXXX/XXXX and we didnt get anywhere. I called again today to get answers and all they tell me is that I owe over 9K. My contract indicates a fee of {$20.00} if paid late or 5 % but does not mention that all payments will cover interest only. We have been paying for 9 years and cant get this loan paid off. No action is taken by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello - I was solicited by american express multiple times over email and through " pop-up banners '' on my account to upgrade my account to a " Blue Cash Preferred '' from my " Blue Cash '' card. The Blue Cash Preferred has a {$95.00} annual fee, but my Blue Cash card had no annual fee. The offer I received said that if I spent {$2000.00} in three months, I would receive {$250.00}. This {$250.00} would allow me to offset the {$95.00} annual fee. I applied for the card on the website - this offer only appeared when I was logged in under my account. Furthermore, proof that this was an " upgrade offer '' and not a new account welcome bonus was that my account number stayed the same. At no time did I receive a new account. After I had spent the required {$2000.00} and after a month after my statement closed, I contacted American Express to find out why the offer was not fulfilled as I had held up my end of the bargain. They said that I did not have an offer on my account, they accused me of doing the offer wrong. But if I did the offer wrong, then why did they keep my account number the same? I followed all of the directions and met the spending requirements within the timeline. This is a clear bait and switch. They offered me an incentive to get a card with a high annual fee and then did not follow through and give me the reward as promised. Now I have a card with an annual fee and no rewards to show for this. It is extremely unprofessional and I hope others do not have the same trouble that I do as if I had known, I would not have accepted a fraudulent, bogus, fake, upgrade offer. Individuals use other cards and not allow American Express to profit off lies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 US 1681. 
XXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX & XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.15 U.S.C . 1681s - ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-03-19
Company: BBVA FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I applied for a checking account to fulfill the requirements for an advertised {$200.00} bonus. I've included a snapshot of the bonus advertisement. I received a {$350.00} direct deposit, fulfilling the bonus requirements, and have been waiting for the bonus to post. I haven't heard back from a message I sent XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25
Company: EQUIFAX, INC.
State: DC
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:
XXXX is a cut throat loan service provider. I would not recommend them to anyone. They dont offer a grace period and instantly report to your credit score. In XXXX of 2019, i informed the branch that I would be paying the balance off in full because of their predator interest rates. I sent payment for installment loan to be paid off in full by XXXX XXXX XXXX XXXX. However, XXXX XXXX still reported a missed payment on my account for the month of XXXX. When I call the number listed on my credit report, they say they have no records of the account and the accuracy of the credit report. I have no been able to get a solid answer or verification from the company. This runaround has been a complete inconvenience to my life

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DC
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:
OneMain is a cut throat loan service provider. I would not recommend them to anyone. They dont offer a grace period and instantly report to your credit score. In XXXX of 2019, i informed the branch that I would be paying the balance off in full because of their predator interest rates. I sent payment for installment loan to be paid off in full by XXXX XXXX XXXX XXXX. However, one main still reported a missed payment on my account for the month of XXXX. When I call the number listed on my credit report, they say they have no records of the account and the accuracy of the credit report. I have no been able to get a solid answer or verification from the company. This runaround has been a complete inconvenience to my life

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
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:
Included my mortgage loan in my Chapter XXXX BK and I walked away from the house eventually. According to the BK law, Carrington Mortgage should not be reporting notice of defaults to any database that will pull my credit for another mortgage loan. They are violating the BK laws and I want them to be held accountable as well as delete my name and social security number out of these databases, immediately!

Company response to consumer: Closed with explanation