BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-07
Company: Diversified Consultants, Inc.
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:
I have received a collections account from an agency that was filed in error as I have a legal payment arrangement with the creditor and paid them before the deadline to avoid collection activity on my credit. They are refusing to remove this fraudulent activity from my credit and its effecting my score incredibly Creditor : DIVERSIFIED Acct : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: DISCOVER BANK
State: PA
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:
On Monday XX/XX/XXXX I responded to a Discover Card advertisement for 0 % APR financing ( 14 months ) for a credit card and loan consolidation program, so that I could refinance my debt under those terms. I outlined the quantity of money that I would need to borrow and submitted my application. 
On Tuesday XX/XX/XXXX I received an email notifying me that I was approved for a credit card with a credit limit substantially below the amount requested for approval. Despite not being approved for the amount requested, a credit card was opened in my name for the lesser amount. 
On Thursday XX/XX/XXXX I called Discover customer services and spoke with ( 5 ) individuals across multiple departments regarding this issue seeking the following resolutions, a ) to have the erroneous credit card account closed and removed from records b ) to have the approval honored for the quantity requested or c ) to have the account flagged to avoid shut-down due to inactivity. I was informed by all representatives that there was no action I could take that would not result in me either having to use their credit card on a regular basis or hurt my credit score by shortening my average account length by canceling the card.

Given that this personal loan and credit card was requested together as part of a promotional offer by myself for a specific purpose and amount, and was then approved for a lesser amount with an inability to fulfill that purpose, and that discover card has provided me with no alternative for redress, I am hopeful that the CFPB might help me in resolving this issue and additionally to help future consumers by providing guidance on steps which can be taken in situations where-in individuals apply for one thing and are provided with something else by a financial institution without resorting to harming ones own credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We were in forbearance from XXXX 2020 with Guaranteed Rate, Inc. We had communication throughout the month of XXXX to bring the payment up to current for those three months. Guaranteed Rate , Inc requires {$12.00} to pay over phone, but we paid online instead and received a confirmation number. Guaranteed Rate , Inc never accepted the online payment, nor did they reach out to say they wouldnt accept the online payment. I had to reach out to them by phone after seven days passed because the funds was still in our account. At this point I was told you can not make multiple payments at once, but would have to be 3 individual payments. I was confused as Guaranteed Rate , Inc payment system didnt relay this information, nor did the agent who I spoke with. We sent them a check in the full amount for those three months and the very next day we received notifications that were 90 days pass due. This dropped our scores tremendously over XXXX points. This makes it impossible for us to refinance in XXXX because now our scores are horrendous. Weve worked very hard to have decent scores for Guaranteed Rate , Inc to thrash them with their incorrect reporting. Our scores will take months to recover from this false reporting. I dont recommend Guaranteed Rate , Inc as they are irresponsible in reporting accurate information. Not to mention they have blocked us from making payments online now. I call them to address this and they just transfer me back in forth for 40+ minutes with no help to resolve the issues. Horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To Whom It May Concern : I hope this message finds you well. The reason you are receiving this message is that IC System, XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXXXXXX ( XXXX ) has a derogatory account on my credit report that is being reported incorrectly. IC System has a {$1900.00} as a derogatory balance that was last reported on XX/XX/XXXX. Please be advised that I dont owe the IC system for any outstanding phone bill. Therefore, I am asking the consumer reporting to update this information correctly and remove such derogatory and report to all three major credit agencies.

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 2021-01-29
Company: EQUIFAX, 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 had my credit checked today XX/XX/2021 because I am trying to buy a new car however, I was told that I did not get approved for the auto loan at this time due to some accounts reflecting badly on my credit history. I had no idea what accounts they were referring to since I have always made it a priority to make all of my payments on time but when I looked through my credit report, I saw several accounts from various different companies that I never opened. None of the accounts listed on this report belong to me nor did I allow anyone to open them in my behalf using any of my personal information. I suspect that these accounts belong to someone with a similar name. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit and I did not make any payments towards any of those debts. I do not have any written or verbal contract with any of the companies listed therefor I have filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 inquiries on my report that have been giving me problems for almost 2 years now.It is from Capital One XX/XX/2017 and XX/XX/2017.This is a duplicate along with others from companies that have been getting me denied for lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: FORD MOTOR CREDIT CO.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ford Motor Co. I am a co-signer for him. He owes for month of XXXX ( {$450.00} ) and now XXXX 's would be due XXXX XXXX. He claims ( Im his mother ) that he entered the wrong numbers of his debit card when he paid online on the XXXX. I now get emails for when he pays. It apparently took 10 days -Ford stated bank wouldnt release. If the bank would have called him or e en Ford at that time, which they didnt he would have corrected. He is not good with a bank account, and the bank knows it as well. I am complaining because Ford called me, didnt leave a msg on XXXX XXXX @ XXXX. I called them back and found out the reason. I relayed to my son, who told me he spoke with them and ( his words ) supposedly paid them. They called again today XXXX XXXX @ XXXX, left no msg. I then blocked the number as I was tired of it. They now sent me a text msg @ XXXX. I believe it's gon na be to the point of excessive later. I am retired military, draw Social security and Ford knows that. I believe I am the one who is being pressured. He is a veteran who's only income now is VA XXXX and Social Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Thaxton Investment Corporation
State: GA
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:
UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
While negotiating a loan modification with Wells Fargo back in XX/XX/XXXX, my home was put into Foreclosure in error by Wells Fargo ( Dual Tracking ). I fought the Foreclosure with two Chapter XXXX filings ( XX/XX/XXXX, XX/XX/XXXX ) which provided an automatic stay while Wells Fargo and I worked on several HAMP Loan Modifications. When 3 successful trial payments are made to Wells Fargo, they intentionally neglect the structural issue ( XXXX ) in the home and provide false appraisals based on Comps. WF continues to this day in not doing an actual on sight analysis and are back to square 1 and starting over. The first chapter XXXX ( XX/XX/XXXX-XX/XX/XXXX ) was successfully completed with Wells Fargo not receiving anything from the Trustee because they were aware that the loan mod was being worked on during the duration. This process continues with the new chapter XXXX filing ( XXXX-present ). A HAMP Modification was completed in XX/XX/XXXX but the final paper work revealed errors and flaws and I stopped making independent payments after 2 months. All I want is for Wells Fargo to recognize the structural issue and reflect it in the actual appraisal. We were awarded damages by the National Settlement for Improper Foreclosure Filing back in  XX/XX/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 explanation
Consumer complaint received 2020-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Portfolio Recovery is attempting to collect a debt that is over 4 years old and should be removed from my credit report. In the state of Texas they have to remove it after 4 years and it has been over that. This company is shady and does illegal things like calling me well before XXXX. They are constantly harassing me for a debt they CAN NOT collect and are damaging my credit and effecting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: PR
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 on my credit file report the following account on debt collection- HELVEY AND ASSOCIATES- Collection Agency- Original creditor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency Original Creditor- XXXX XXXX I have never requested service with those company. This is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: BB&T CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
An account was fraudulently opened in my name with BB & T. They are aware, and yet have not closed the account. I continue to receive notifications about it. BB & T makes it nearly impossible to speak with a representative, and after hours on hold you just get told that they can not help 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 explanation
Consumer complaint received 2019-02-25
Company: BB&T CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XX/XX/XXXX I sent a dispute letter and credit bureaus responded with the debt was verified, but last on XX/XX/XXXX I paid the debt for a deletion off of credit file.

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 2017-11-06
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX a # XXXX paid in full an outdated paid on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, Transworld Systems Inc. contacted me via mail to collect a debt from XXXX XXXX XXXX. On XX/XX/XXXX, I sent a letter to Transworld Systems Inc. using a modified version of a form letter from the CFPB informing them that the debt was already paid alongside information on how merchants can locate payments and documentation from my virtual credit card vendor and my bank indicating that the payment was processed and the money removed from my bank account. The letter also requested documentation that give them good reason to believe I still owed the debt. On XX/XX/XXXX, I received mail from Transworld Systems Inc. again seeking to collect the debt with no additional documentation supporting the debt. Additionally, there was no indication that they had attempted to determine if the debt was still owed or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The company XXXX XXXXXXXX XXXX has caused a number of problems on my consumer report. 

XXXX XXXXXXXX XXXX is in Violation of 15 usc 6802 a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now the proper notice is that the financial institution may not disclose nonpublic information to a nonaffiliated third party unless the financial institution clearly discloses to the consumer in writing or in electric form.

there are a number of inaccurate things reporting on my consumer report from them as they are violating 15 usc 1681s. they have a responsibility to make sure they are reporting accurate information to the credit reporting agencies and they have failed to do so.

the following items are inaccurate and are causing me damage and economic harm : First and Foremost what is the date of first delinquency? 15 usc 1681s-2 ( I ) ( 5 ) states you are to provide the date of first delinquency to the credit reporting agencies and they have not provided it to me. 

The date of last payment is not consistent with the the CRAs. Equifax is reporting XX/XX/XXXX and XXXX and XXXX are reporting XX/XX/XXXX. If this information is coming from you then it should be the same The date last active is not correct. Between the 3 credit reporting agencies they are all reporting something different. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX ( they illegally reaged this account. Equifax is reporting XX/XX/XXXX. This means this will not fall off the credit reporting agencies at the same time and there is no true statute of limitations XXXX and XXXX are saying this account is paid while equifax is saying it is derogatory These errors being reported on my credit report are artificailly damaging my XXXX Score and you can be held liable for Violations under the Fair Credit Reporting Act if you are non compliant in this investigation. Fines could be up to {$1000.00} per error or more subject to my state. 


If this issue is not resolved i will be taking XXXX XXXX to arbitration as i have the right to do so in our original credit card agreement for damages of the fair credit reporting act. i will be using the XXXX XXXX XXXX  on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company Transworld Systems Inc. sent me a debt collection letter and told me I had to send them evidence the debt was previously paid or not owed. Their letter has 3 separate addresses shown on the letter, two of which indicate responses and correspondence should be sent to those addresses. I believe this is a deliberate attempt to confuse the consumer and therefore claim the consumer did not send the response to the correct address. I will now have to send 3 separate certified mailings in order to make sure they get my response showing the debt is erroneous. I sent the company a message to find out which address I should respond to but got no answer. I will attach a copy of the notification with my name redacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 AM VICTIM OF IDENTITY THEFT AND THESE ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE NOR CONSENT. I HAVE PREVIOUSLY FILED COMPLAINTS WITH THE COMPANY AND WAS REMOVED FROM MY CREDIT REPORT AND NOW IS BACK ON THERE UNDER A DIFFERENT NAME. THIS COMPANY IS COMMITTING FRAUD BY ME BEING VICTIMIZED OF ID THEFT.

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 2020-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One credit card : I made an extra payment by accident through my checking account. This resulted in {$930.00} in overage payment to Capital One, and a negative balance on my credit card. Unfortunately, since it went through my bank could not recall the payment. 

I called Capital One on XX/XX/XXXX to have the money sent back to my checking account. I was given a 4-5 business day period for the ACH to go through. I had to call back on the XXXX and it was still not processed. They had to submit another request for another 5 business days. 
Why does it take 10 business days to process a simple ACH? I work in a financial institution and it takes a maximum of 2 business days to process an ACH. 

The managers I was put on the phone were absolutely horrible. They said there was nothing that could be done and even suggested to hang up and call again. What kind of terrible customer service is that from Capital One? 
It is now XX/XX/XXXX, so that is 13 days that this money still has not been returned. What if my checking account was overdrawn this whole time? 

" What's in your wallet? '' Absolute garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
BB & T Bank has charged me the following overdraft fees and fees to my account : On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$36.00} in overdraft fees. 
On XX/XX/2018, they charged me {$100.00} in overdraft fees. 
On XX/XX/2018, they charged me a {$15.00} ACH Transfer Fee. 
On XX/XX/2018, they charge me {$35.00} in " Service Charges ''. 

BB & T is engaging in flagrant and abusive overdraft fee and other charges, which is keeping my account balance low. They are also holding the smaller purchases so that they can keep adding more overdraft charges. Between XX/XX/2018 and XX/XX/2018, BB & T Bank has charged me {$300.00} in overdraft fees and other transfer fee and service charges. BB & T is intentionally adding overdraft fee charges to my account to make more money from my bank account. BB & T is abusing the overdraft fee charges. They are not doing me a favor by adding excessive overdraft fee charges to my account, and instead they are intentionally adding overdraft fee charges to keep my account low and to make more money from my account. I called their customer service and they said they couldn't help me. I also called their " executive phone number '' and they did absolutely nothing for me.

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 2020-09-06
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation