BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-11
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I hired a content provider order to proved the contents for my website XXXX, using paypal.com since paypal guarantees against fake providers and for products not as described, however this person was not who claimed to be, she turned out to be not qualified and not able to provide the documents as agreed. I contacted paypal in many occasions and they refused to base the facts eventhough i provide the detailed information and files to prove my case, its seems that they are interested on resolving it. I have called many times, filled disputes to only get denied for no reason what what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is regarding several issues with the mortgage account with Wells Fargo, whom I have had the worst experience of dealing with for any type of resolution. There are many areas, but the most egregious action that Wells Fargo has been co-mingling funds from my mortgage account to pay the balance for an escrow amount ( My mortgage account is escrow impounded ) and reporting that I 'm underpaying my mortgage payment amount, and reporting to credit bureaus that I 'm late on my payments. This has ruined my credit report with negative items of late payment when the payments from my checking account cleared well ahead of delinquent date. This would have to considered a financial fraud to co-mingle funds when my payment is strictly principal & interest. This bank has been playing " Judge & Jury '' in regards to this escrow amount when they decided that there was a lapse in coverage and no 3rd party independent of both sides could say, " Yes, the lapse in coverage is legitimate. '' Regardless, of whether it is legitimate, the co-mingling of funds, reporting late to bureaus, tacking on late fees, and manipulation of payments showing inaccurate principal balance is beyond one 's imagination..

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 2020-11-15
Company: Birchwood Credit Services, Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Birchwood company had ran my credit to where there is a hard inquiry on my credit report & I did not give permission to them or the company XXXX saving that goes through Birchwood to run my credit I have sent letters to them & have contacted both places & I am getting no place this happened back in XX/XX/2020 & I have been fighting to have it removed from my credit reports since then. This is my credit reports that is been being messed with & I want that inquiry removed ASAP thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions 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:
Experian did not delete inaccurate reporting by XXXX XXXX XXXX   of a charge off in the amount if {$1.00}. This charge off was reversed and the account was reopened.

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 2018-05-11
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Discover reduce my credit limit causing purchases to go over the limit and purchases to be declined affecting payment obligations without notice. My credit limit was reduced from {$1800.00} to {$1200.00} without any notice or consent. I contacted the credit department and they acknowledged that no notice may have not been give which is completely unacceptable. The credit card was not overdue and is was not over the limit until they changed the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: AES/PHEAA
State: IN
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 am working towards Public Student Loan Forgiveness and my qualifying payment calculations are incorrect. 

On XX/XX/XXXX I spoke with a member from Fed Loans who recommended I request a manual recount, which I did. However, was told at time it may take " awhile ''. Manual recount requested of all months since going into loan repayment ( XX/XX/XXXX ). I never received any information on this being completed and no documentation of this in my account. 

On XX/XX/XXXX called again, was told the case was closed and they recounted for the few months I requested ( not all months as indicated ). Count is still grossly off including multiple loans having different number of qualifying payments. 

My payments have been on autopayment, therefor all loans should have the exact same number of qualifying payments ( was told on first phone call that this problem happened A LOT because autopayment made it falsely look like the full loan payment wasn't made if it was applied differently to multiple loans ). 

Awaiting another manual recount at this time. However, current counts are still grossly different than my personal counts. They are at best 20 months off, at worst 56 months off. 

There were a few brief periods of forebearance, 1 month and then another period of 1 day which should not account for such a gross discrepancy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My husband and I have had our account for over two years now. We specifically asked before opening account that I could cash his check on Fridays, because he works XXXX and sleeps during the day. We were assured that this would not be a problem. We were told that because he had given his permission in person at the bank, that this would be ok. For the first several weeks, I was told that I could not cash his check, because he was not present. My husband and I had to literally go inside the bank on numerous occasions to speak to their staff to resolve this issue. We were told, each time, that it has been resolved, and I would not have anymore problems cashing his check. As recently as XXXX XXXX, 2016, through the drive through, I was told, while I was trying to cash his check, that ( and I quote ) " I can not cash your check because your account is in the negative ''. Our account was NOT in the negative. I had to go inside and speak to XXXX, the branch 's manager. She told me that they have " new '' people who do not know me, or the circumstances. This is after meeting with XXXX, my husband and I just a few weeks prior to this incident. XXXX gave us her word that this would not be a problem again. I go through the drive through primarily because I am XXXX and it is very hard on my body to try to get out of my car, park, and wait in line inside the bank. What my husband and I are so upset about is ( 1 ) we were told upon opening our joint account that because he has given them his permission, I could cash his check every week ; ( 2 ) we are continuing to have this problem every time she tries to cash his check ; ( 3 ) now, because of all the issues of her trying to cash his check, he actually has to get up from his sleep ( he works XXXX and sleeps during the day ) around XXXX every Friday, get dressed and drive to the branch in order to cash his check. This is totally ridiculous!!

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 2021-06-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As of the date XXXX XXXX XXXX XXXX has resent a notification of a debt in the amount of {$3300.00} that I do not owe .According to my priorCFPB complaint ID XXXX and ID XXXX the matter was closed. Also I received a notification XXXX stating a XXXX amount owed. I regard XXXX XXXX Associates latest action as harassment.

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 2018-05-11
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I had made a payment of {$30.00} to Nelnet. This morning XX/XX/XXXX I see my credit score has dropped 31 points because my Nelnet student loan went up {$26.00}. This is not accurate reporting. I also see that I have one missed payment ( according to them its considered 2 ) when my account was supppose to be in a forbearance in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Experian Information Solutions Inc.
State: MD
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:
Experian credit bureau allowed XXXX XXXX XXXX to report delinquent payment activity on an account that had been discharged as a result of my XX/XX/2015 bankruptcy. After filing several disputes and providing proof that XXXX XXXX. reported the information under fraudulent pretense, Experian still refused to update or remove the account.

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 2016-07-31
Company: Big Picture Loans, LLC
State: AZ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed a loan {$600.00} with the understanding i will pay it back the XXXX with XXXX interest, till today I have paid back {$1300.00} in interest alone and i can not go further with the payments. No 1 reason i have lost my job and can not continue with the loan balance of {$450.00}. No 2 is that after reviewing the terms of the loan it was not clearly explained to me I will be paying almost triple of what I originally borrowed. I need help on how to end this debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Williams & Fudge, Inc
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Williams and Fudge out of XXXX XXXX, SC keeps calling me about a student loan that I have never had. Yes I went to college, but I paid for all my classes with cash, no loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
THE CITIZENS BANK ON XXXX XXXX AND XXXX XXXX WHICH IS LOCATED AT XXXX XXXX XXXX XXXX. THE MANAGER XXXX IS VERY DISRESPECT TOWARD ME THIS IS NOT THE FIRST TIME. I CAN NOT CONTINUE WITH THIS BANK WHICH IS CLOSE TO MY HOME AND I DO NOT LIKE GOING IN THERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. Found out about this in XXXX, XXXX due to applying for a mortgage loan and this collection was on my credit. It was listed as from XXXX XXXX XXXX XXXX  for {$330.00}. I immediately called the company and talked to collections who said they had an account in my name but could not help me unless I had an account number. 
2. I let the property go that I wanted to purchase and asked the lender for more information. They sent my credit scores which had dropped by 100 points. 
3. I then contacted the credit reporting agencies and disputed the charge assuming it would go away. 
4. I received a notice saying it was valid. Now I haven't had a phone with XXXX XXXX XXXX since XXXX. When I cancelled my service with them I was not under contract for 11 months and it took them two months to stop the service. I already had another phone and service with XXXX  XXXX. 
5. I was able to receive the account number through the credit reporting agency. 
6. I just got off the phone with XXXX XXXX XXXX collections and in order to find the account I needed a pin. They said they had to email to me at the email on file and reset the pin. 
This is a tactic to update the last contact to reflect this as a current account and reflect this date on my credit making it look like a current collection that I do not owe them. Their dirty business practices are illegal. I do not owe this and this has caused me trouble.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite me always paying my bills on time and having low utilization of my available credit, my score dropped from over XXXX to XXXX. My report indicates the number of inquiries is problematic. Credit inquiries from Capital One and XXXX XXXX, using my name have been made that I did not authorize. An inquiry was also made by XXXX but they removed it once I called. Capital One and XXXX XXXX have a process. 

I have a lock on my credit so a card wasn't issued but the inquiry is negatively impacting my account. 

I am not sure how inquiries can even be reported if the application wasn't fully processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed my bank account in late 2012. I found out yesterday ( I got a car loan with the same institution ) that my account was never properly closed out and was allowed to receive a deposit XXXX7 months after I thought I had closed it. I was unaware of this deposit because I was under the assumption the account was closed and deactivated. The bank then proceeded to take {$90.00} in fees from the account because it went dormant. When I requested a refund of the fees, I was told that since they sent me electronic statements, I would only get {$10.00} back. This is exactly why I left them in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-11
Company: Experian Information Solutions Inc.
State: NJ
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:
I have 7 inquiries that are not mines. I called the credit bureau and creditor they said it on me. Theres nothing they can do I told them it was fraud. Said give me proof. They said they couldn't it must stay on for 2 years. I need to protect my identity. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX   XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TN XXXX  ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XXXX XXXX, NJ XXXX  ( XXXX  ) XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX, NY XXXX  ( XXXX ) XXXX  XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX BYMAILONLY XXXX/XXXX  XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX, NJ XXXX  ( BY ) -MAIL

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 2021-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX replied with a full investigation ( letter ) of the auto account but they left out significant and pertinent information to the account but their letter shows they were not timely or truthful about the various other verifications were all lies.

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 2015-04-18
Company: TCF NATIONAL BANK
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX XXXX, 2015, I received a call from an XXXX number on my cell phone and since I was at work, the call went to my voice mail. My announcement on my voice mail, starts by identifying myself by first and last name. This call came in XXXX XXXX. At XXXX, I received a call from my father, saying XXXX had contacted him stating they have been trying to contact me and they think I must of changed my phone number and address, then asked how to contact my daughter-in-law, who I had given them permission to call and discuss any payment problems with ( the loan is in my name and my son and daughter in law make the payment since they drive the auto ). My dad, being XXXX years old, panicked and called me thinking something was wrong. XXXX minutes later at XXXX XXXX, I received a call from the son on my deceased girlfriend, saying he had received a similar phone call, but they only stated they have lost contact with me and wanted to know how to reach me. I have had the same phone number for about 17 years, and the same address since I purchased the auto where I receive my monthly statements and all other correspondence from them at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Due to COVID-19 and despite being laid off I have been doing my best to pay off bills that were on my credit report. I worked with the actual creditors regarding pay off and then sent the letters indicating the accounts have been paid off and the balance is XXXX as apart of a settlement. I have sent the information to XXXX, XXXX, and Transunion however the information still remains that I have balances on the paid off accounts. 

XXXX ( these accts are all paid off ) : XXXXXXXX XXXX ( # XXXX & XXXX ), XXXX XXXX ( XXXX, & XXXX ) XXXX ( # XXXX ), XXXX for {$150.00} ( I am unfamiliar with this account and asked for reinvestigation but no response ). XXXX XXXX on ( XXXX paid off medical acct that should have been deleted after XXXX according to law ). XXXX : ( XXXX-The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ). 

TransUnion : XXXX XXXX ( paid off with XXXX balance # XXXX ), XXXX : ( XXXX-The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code.  This is to be deleted from my credit ). XXXX XXXX XXXX ( XXXX paid off XXXX XXXX for {$120.00} ). 

XXXX ( These accts are all paid off with a XXXX balance however still showing I owe monies : XXXX XXXX ( XXXX, XXXX, & XXXX ), XXXXXXXX XXXX XXXX XXXX  ( # XXXX & XXXX ), XXXX : ( XXXX-The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from 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 2021-10-31
Company: Experian Information Solutions Inc.
State: AR
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:
This is an account that is over 7 years old according to the fcra and the fair debt collection act debt good or bad is to fall off after 7 years this is fact

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 2018-06-24
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection agency I never heard of or talked to or got a notice from reported me to the credit bureau on XX/XX/XXXX over an amount of {$260.00}. The only way I found out about them is when I was looking at my credit report on XX/XX/XXXX. 

I called them and their costumer service were basically rude and misleading. They admitted that they never contacted me before and that reporting a collection on me was a way to get my attention. When I asked them to remove it from credit bureau because what they did does not even comply with the fair credit act that protects consumers, their response was the only way they can do that if I pay first and that they are doing thing legally based on the time they been on business. I am not even sure why I should pay an amount of {$260.00} and all my bills are current. I told them I can't pay for something I don't own. 

I checked review on XXXX  and other customers have the same issue with that company. 

This collection agency basically is hurting me because I was getting ready to get a home equity loan to renovate my house that is in a bad situation because of contractor fraud.

Company response to consumer: Closed with explanation