BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-07
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:
The credit bureau is incorrectly reporting a " XXXX XXXX '' account on my credit report. According to my credit, it was opened in XXXX XXXX for a debt of {$1300.00}. The account number is : " XXXX ''. I have never had any business dealings with this collection company. I do n't know who they are or why the credit bureau is reporting that I have a debt with them. This is not the first time I have disputed this account, I have sent written disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get this removed but time after time, the credit bureau has dismissed my disputes as frivolous and they refuse to remove this from my credit. I want to add that XXXX has no record of this account. When I sent the same dispute, it was confirmed that the account did not belong to me and was promptly deleted. How can there be a different result for the same investigation between XXXX and this credit bureau? This does not make sense. This is why I am taking my complaint to the Consumer Financial Protection Bureau.

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 2017-11-10
Company: McCarthy, Burgess & Wolff, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A customer rep calls me on behalf of McCarthy, Burgess & Wolff representing their client XXXX to collect on a final bill that they claim was not settled. The representative did n't even have a copy of the final bill available to send to me to review. I had already settled the issue with XXXX, and termination fees were removed, but then they added the fees again to my account. I had been swindled by a customer service representative to sign up for a contract plan that required me to pay for 24 months of service. If I cancel service, they wanted me to pay for {$800.00} in  termination fees. They lied to me when they signed me up for the service initially because I specifically told them I do not want to sign for a contract because I was a new business and did n't want to be locked into anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Navient Solutions, LLC.
State: IL
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 original loan amounts thru 2002 upto XXXX but principal on my loans are listed above XXXX which were above the maximum and never issued to me. I contacted loan servicers but no one has corrected the erroneous amounts. Please review & correct original principal loans amounts/balances. Please send to my Navient account email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: REGIONS FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
It is a CONDATA PAYMENT SOLUTIONS card provided by XXXX XXXX XXXX. 
The paperwork it came with, stating " LIST OF ALLFEES '' is incorrect. 
It states : " Bank teller withdrawal ( for banks participating in the XXXX XXXX ) fee = {$0.00} '' I tried, it was denied by COMDATA. I called COMDATA and was told my card was not eligible for that feature. But it is on the document provided in a sealed envelope stating as such.

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 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 attempted several times to correct information with transunion to no avail. I have placed 3 separate disputes in order to correct the information. The first one went without response. The other 2 I was told that " transunion has investigated the dispute and finds the information to be accurate '' - which is not possible, because the information is not accurate at all. <P/>I have XXXX accounts that are showing some form of late payments - in which I have spoken to the creditors and they say that they have never reported anything late as I have always paid on time. <P/>This issue is seriously affecting me as I am unable to receive student loans to for medical school because of this incorrect information. <P/>I believe in either case, the failure for Transunion to respond to my first dispute letter within the allowable timeframe ( or in this case, not at all ), is in violation of the Fair Credit Report Act and the disputed late payments should be corrected to reflect accurately a paid on time status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Credit Bureau Collection Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of XXXX my son had a case of XXXX XXXX. My ex wife and I have shared custody and he was with her at the time. When we talked I suggested making an appointment with his family doctor. Instead she took him to the ER and incurred this debt. Earlier this year the collection agency started making continuous phone calls to me. I have requested documentation that this is my responsibility but so far have received none. Also comments have been made by their agents to the effect of " so you would not pay for your son to get medical attention? '' Frankly, no, when it is not necessary, done without my consent, and could have been handled by his PCP and covered by insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: Carter-Young, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions 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:
On XX/XX/21 I applied for a credit card with XXXX and authorized an inquiry of my credit report. One was made at that time to my Experian credit file. The application was declined and no further relationship with XXXX was established. 

But then XXXX made TWO additional inquiries to my Experian credit report on XX/XX/21 and XX/XX/21 without my authorization. 

XXXX was nonresponsive to my requests to remove the inquiries and Experian said they don't allow disputes to be made of inquiries.

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 2017-11-10
Company: Federated Law Group
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX charged me for 2 accidental death insurance plans long after I canceled both plans in writing. I asked them to credit my account when I realized they were still charging me. They did not. The account was submitted to a collection agency and sold. I have not received a demand letter, nor have I been given the opportunity to dispute the disputed portion of the debt XXXX XXXX assignee of XXXX XXXX XXXX XXXX XXXX placed the account with FederatedLaw who in turn filed suit against me. 
I called and verbally disputed the debt and requested that they document my dispute. 
I asked for a payment plan for two months or until the balance dispute is resolved. I offered the same two - month payment plan until XXXX 2018 at which time I can settle the portion of the debt I owe after filing my taxes. I admit I owe something but not the entire amount this group is unwilling to work with me to resolve this debt. I even asked for a consent order with payments until I file my taxes and can settle they are unwilling to work with me, I do n't want to file a Chapter XXXX I want to pay what I owe I need someone to correct the balance and give me a plan for 2 months until I can raise the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
Transunion for the past 2 years has inaccurately been reporting information on a loan account known as XXXX XXXX. On XX/XX/2019 my account status changed from good standing to a derogatory account status on my transunion report. I have have no delinquencies or any derogatory remarks on any of my credit reports. I have been in contact with XXXX XXXX and filed disputes that have been completed with XXXX XXXX stating my account was never in a derogatory status. My credit score dropped approximently 80 after transunion reported this status to XXXX XXXX account. This occurred at the same time my father with the same name filed for bankruptcy. I have a different address and social security number as well as a middle name separating me from him. Even though the account states good standing when you click on the actual transunion report it states the account is in derogatory which is highly in accurate.

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 2017-12-28
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently reviewed my credit report and noticed some unauthorized accounts on there. The XXXX unauthorized accounts were XXXX XXXX XXXX and XXXX XXXX. After contacting both creditors and equifax with no help form neither, I then immediately contacted my local law enforcement to file an identify theft report against the XXXX unauthorized accounts. I then mailed it to XXXX to have it removed and they said that they wo n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
A payment was made to me from a verified payer on the XXXX of XXXX. The money was sent via echeck. The check has cleared the payers bank Paypal said the clearinghouse still has the money and they can not release it until the clearinghouse sends it to them. 
Paypal has a " hold til XXXX XXXX '' on the transaction summary in my account. 
I called paypal and spoke to their escalation department who told me they are instructed by paypal to say the clearinghouse has the money, I asked for a transaction number and was told they are not allowed to give them to the account holders or any customers Money electronically transmitted on the XXXX is being held by paypal until the XXXX If they do n't know where the money is, how do they have a set number of days for holding the money. Even when contacted and told the transaction was completed, paypal still refuses to release the payment to me They also play games with the " ok to ship '' and " wait do n't ship yet '' information on their payment activity log. When you call and ask why you have to ship the product without paypal knowing where the money is, they remove the " ok to ship '' from the info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: Experian Information Solutions 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:
Experian added a collection account, XXXX XXXX XXXX, to my credit file and reduced my credit score and creditworthiness substantially. First, this collection account was added to my credit file without my knowledge meaning I was never contacted by XXXX XXXX XXXX, Second, this account is being reported as a collection account with a past due balance. Collection accounts by definition is past due, and should not have a past due balance. Last, XXXX XXXX XXXX, has stated they are unable to find an account that matches my name and address. Therefore, Experian is reporting inaccurate information on my 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 2022-03-03
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: Personal information incorrect

Complaint:
I changed my name over a year ago. I contacted all my credit cards, banks, etc. to get everything updated. When I tried to get a loan for a house purchase Equifax ( and only this bureau ) is telling the bank " this account is frozen. '' I spend hours trying to get a person to tell me what the issue is. They constantly keep trying to direct to go online ( which online tells me I MUST call ), or to use their phone system ( which isn't working for probably the same reason ). Any time I asked to speak to a manager, I would be cold-transferred back to the original call-in queue. 

Finally someone helped uncover my issue that they were still using my old name. They then claim that the only way that they can correct is is for me to snail mail or fax copies of sensitive documents to them, and that it would be resolved about a business week after they get them. 

I didn't need to contact any of the other credit bureaus, as they must have gotten the updates automatically from court orders, CC companies, and banks. Furthermore the requirement that I have to send something in to them and they don't accept email in the 21st century is absurd- It should be my call as I have already done it for the banks. 

Also, a 20 minute process of navigating their automated phone maze and entering in data multiple times when I know the outcome is " we can't find you in the system '' is ridiculous- and then when the agent picks up the phone none of it was transferred over to them should be considered abuse. 

This company should not be allowed to operate how it does, especially considering it's effectively a required service for most Americans. They should be disbanded and the federal government should run and fix these problems - a private industry 's only motive is cash- and it shows they don't have the staff and knowledge to run something so critical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My balance on my commenity credit card from Lane Bryant had a balance of around {$290.00} that needed to be paid. I went online and selected to pay the whole amount off in one time in XXXX of 2022. Somehow they did not take {$2.00} off of my account and didnt try to contact me until around XXXX. My account is now up to a {$84.00} balance that I supposedly owe. The first time I called I stayed on the phone for almost an hour and the man told me he had fixed the problem and that I would not have to pay any of the fees after he took the {$2.00} off of my account. After the money was taken off of my debit card the credit card was supposed to be canceled. There is still a balance of {$84.00} and still growing because they will not take the fees off. I have called them 4 times and every time I get told that they are going to fix the problem they hang up on me. Ive tried getting help from the company, but they are not interested and would rather hang up and keep charging me late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a modification XXXX XXXX. I had a NSF which terminated the modification in XXXX XXXX. I attempted to pay a mortgage payment, the payment was denied. I was informed by the mortgage co, I needed to pay the pass due amounts. When I questioned where was the monies I paid during the time I was in the modification, I never received a clear understanding of what the monies were applied to. I was advised that I could apply for another modification, only to find out that, that modification was denied also, reasoning was you can only apply for a modification once every 2 years. I applied for my 401k to payment my mortgage payments. The first request was denied from my 401k, because I needed to request a form from the mortgage company which I did. The 401k request took time and the mortgage co was made aware of my every attempt to pay my debt. Now I have the money to pay to debt from the letter the mortgage co sent me, the debt is outstanding now, because more fees have accrued. I feel discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XXXX XXXX WELLS FARGO AUTO offer was accepted and returned for value. 
On XX/XX/XXXX. 2020 WELLS FARGO AUTO accepted a private settlement agreement with XXXX XXXX XXXX in the amount of 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 2019-04-16
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have recently started using XXXX XXXX and find it to be an excellent service. I also assumed the service offered consumer protection since it is being used by major banks. I recently made a purchase to an unknown individual using XXXX XXXX to purchase concert tickets that a person on XXXX advertised they had. 

I went on XXXX and saw an event scheduled in my area for XX/XX/19. The event was for XXXX XXXX concert at the XXXX XXXX XXXX XXXX. A XXXX user made a comment on the event that they have tickets available because they are not able to attend. I messaged the person who claimed to be XXXX XXXX on XXXX to see if the tickets were still available. Hours later the person claiming to be XXXX XXXX contacted me informing me the tickets were still available and to make an offer. 

After messaging back an forth we agreed on a price of {$100.00} for two tickets. The person claiming to be XXXX XXXX requested that I send the money through XXXX XXXX. This person also requested screen shots verifying the money was sent and deducted from my account. The email address I was told to give to XXXX XXXX to have the money sent was XXXX. The person claiming to be XXXX XXXX informed me that the account was under her husband 's name which is XXXX XXXX. 

I gave the person claiming to be XXXX XXXX my email address to send the tickets to. I sent the screenshots per the request of the person claiming to be XXXX XXXX verifying that I had sent the money. The person claiming to be XXXX XXXX informed me that she was at work and would be sending the tickets in 20 minutes. This was approximately XXXX EST. Hours later when I checked my email I noticed that the sender did not email me the tickets. 

I went to message this person on XXXX and discovered that their account was deleted. The messages we sent to each other on XXXX were also deleted and I have no access to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In XX/XX/XXXX, Capital One refinanced my auto loan from XXXX XXXX XXXX and I submitted my power of attorney document to facilitate the title transfer. From XX/XX/XXXX through XX/XX/XXXX, I did not receive communications from Capital One subsequent to the refinance date. I called customer resolution numerous times up until XX/XX/XXXX to ask why hasn't the paper work been completed. I was finally told Capital One has not received my title. I contacted the prior lender and was told Capital One never requested my title be sent and in XX/XX/XXXX Capital One received my title. 
Two weeks after that Capital One requested my vehicle registration which was sent in and was told the paper work is finally being processed. Now, on XX/XX/XXXX, Capital One sent me an email saying my Power of Attorney document was rejected and no explanation was given, I contacted customer resolution to get an address to file a Legal complaint because I don't understand after 5 months and counting my title paper work is not finished and I'm driving an unregistered vehicle. I need help getting Capital One to complete this refinance process and feel this process has been Unfair and Deceptive.

Company response to consumer: Closed with explanation