BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-06
Company: DISCOVER BANK
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a variable rate loan with Discover, no where on their website in the loan information or monthly statements does it say my loan has a variable rate. I had to contact customer service to find out for sure. I mentioned this concern to the representative, they assured me they were compliant and not withholding any information as this was provided to me in my Final Disclosure Agreement WHEN THE LOAN CLOSED IN 2012 ( 5+ years ago, so I guess I should just remember it??? ). They also said this document should be available to view on their website, but conveniently enough, only my fixed rate disclosure is there and they need to mail me the variable rate one. The rep did say they would report the issue, but I've worked in XXXX and XXXX XXXX roles and know that does not always happen. So I've taken the initiative and am reaching out to you. I have a XXXX XXXX, I'm a XXXX/XXXX  XXXX  and have been in the XXXX XXXX   XXXX  for 5 years now and work with far more complex loans  than this on a daily basis. If I'm having troubles finding this information, I can only imagine the issues others are having! 

-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: U.S. BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I forgot to mention the financial person.left me and took my lease paper work. ..which.showed.the amount of the car. I believe he told the bank the real amount of the car. So he can get a commission. Because when I seen him he said this car is XXXX.so that might.be the mole he is the financial person in XXXX mall on XXXX XXXX.I believe he is the thief. But US bank should know and the people in XXXX this car was leased already. U can not sell it for the same price like I just came too buy it. .so there is something going on. And I really hope something is done. I'm not the only one. THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: EQUIFAX, INC.
State: WI
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:
This Letter was sent the the XXXX XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Account # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on these accounts, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Terms as " {$0.00} Single Payment '' on Transunion and Equifax 2. You verified High Balance as " {$2000.00} '', on all account beginning in XXXX, which is not correct 3.  You verified High Balance as " {$4400.00} '', on all account beginning in XXXX, which is not correct 4. You verified account status as " Transferred, closed '' 5. Date of Status hasn't been updated since XX/XX/XXXX on Equifax 6. Date of XXXX hasn't been updated since XX/XX/XXXX on XXXX 7. Actual Payment Amount is {$0.00} on XXXX  and XXXX  8. Actual Payment Amount is thousands of dollars off on all accounts on Equifax compared to High Credit 9. Account Status on XXXX  and Equifax is " Collection '' not " Paid as Agreed '' 10. Account Status of " Collection '' starts on XX/XX/XXXX on XXXX, I was still in school. 

Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
This Letter was sent the the XXXX XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on these accounts, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCR

A 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information.

Basis for dispute : 1. You verified Terms as " {$0.00} Single Payment '' on Transunion and XXXX 2. You verified High Balance as " {$2000.00} '', on all account beginning in XXXX, which is not correct 3. You verified High Balance as " {$4400.00} '', on all account beginning in XXXX, which is not correct 4. You verified account status as " Transferred, closed '' 5. Date of Status hasn't been updated since XX/XX/XXXX on XXXX 6. Date of Status hasn't been updated since XX/XX/XXXX on Transunion 7. Actual Payment Amount is {$0.00} on Transunion and XXXX 8. Actual Payment Amount is thousands of dollars off on all accounts on XXXX compared to High Credit 9. Account Status on Transunion and XXXX is " Collection '' not " Paid as Agreed '' 10. Account Status of " Collection '' starts on XX/XX/XXXX on Transunion, I was still in school. 

Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from 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 2018-12-06
Company: EQUIFAX, INC.
State: GA
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 was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. XXXX, XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: AES/PHEAA
State: TX
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:
On XX/XX/2018, I sent in my most recent PSLF Employment Certification form. With this form, XXXX XXXX should have calculated that I have made 68 qualifying payments toward the 120 payments needed for public service loan forgiveness. Unfortunately, XXXX XXXX is so bad at their job that they calculated that I had made 61 qualifying payments - despite the fact that my job has not changed, my loan has not changed, and my repayment plan has not changed. On multiple occasions, I have reached out to XXXX XXXX to inform them of their error and asked them to correct it. To date, they have done nothing. Moreover, they have failed to respond to my multiple emails. When I get them on the phone, they say they will look into it. XXXX XXXX is the most incompetent student loan servicer on the market. Congress should investigate. Student loan holders should avoid them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE WITH XXXX ACCOUNT # XXXX AND XXXX/XXXX XXXX XXXX XXXX   ACCOUNT # XXXX APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: EQUIFAX, INC.
State: TX
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 written documentation from the Bankruptcy Court stating that they DO NOT report bankruptcies to any of the credit bureaus. However, XXXX, Equifax, and XXXX are illegally reporting this information which is a violation of my rights. 
I am requesting that all 3 credit bureaus provide me with an original contract ( wet ink signatures ; written proof ) that they were authorized to report a dismissed bankruptcy to my credit report. 
Without written proof, this information must be immediately deleted from my credit reports and blocked from reporting again. 
In the meantime, I will be preparing all necessary documentation to seek legal remedies against the 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: QC HOLDINGS INC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan for {$1200.00} and every other week they take XXXX..I made 6 payments total XXXX i called today and told me I owe more than 1000

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 2018-10-01
Company: Westlake Services, LLC
State: NV
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:
I have stage XXXX XXXX and have been trying to refinance my car with my credit union. My credit union requires a copy of the title so that they can confirm that no one else is on the car title. Westlake has been refusing to provide the information to my credit union. Westlake said they require the request come directly from my credit union and not myself. When my credit union requested the information, Westlake said they would provide it in a couple of days. The required documentation never showed up. Now Westlake says they will not provide the information needed to refinance my vehicle as i battle this XXXX and can no longer work. It has now been over 30 days and my refinancing attempt must start all over again, which means running my credit again. This is grossly effecting my fiances and my credit reporting since i now have multiple inquiries that should not be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions 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:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX/XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified, that the reached out the creditors/collectors and that information was verified or accurate. Nothin was done to my report, it's still showing inaccurate information. This is the inaccurate information that they are reporting to my credit report. 

Account Type - Detail : Incomplete Date Opened : Inaccurate High Credit : Inaccurate Credit Limit : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate Date of Last Payment : 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 explanation
Consumer complaint received 2018-04-18
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My credit was fraudulently used by another person that was not me. This person made charges towards my XXXX XXXX account. When I called XXXX I asked what had happened and they said my address and the name on the account was changed. This person made over {$3000.00} dollars of fraudulent charges on my XXXX XXXX account. This person managed to also change my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, the following agency I.C Systems they have reported a new account on my credit report. I never entered into an agreement with this agency please investigate this fraudulent attempt on a collection of debts on my credit profile. My next course of action is to file a complaint with my States Attorney General Office. Please investigate this company as soon as possible.

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 2020-08-27
Company: EQUIFAX, 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:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Reported : XXXX XXXX, XXXX + {$5800.00} Closed XXXX/XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$3100.00} Closed XXXX XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Pendleton Capital Management
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On Thursday, XX/XX/2018 at XXXX - I received a phone call from XXXX apparently XXXX XXXX . I answered the call, and it was a message that at first sounded like maybe it was trying to say " this message is for ... '' but it was really fast, and I could not actually hear any name, or distinguish words really. Then it switched to male-sounding automated voice that said " this is an urgent matter, we have been trying to reach you, please press XXXX [ or XXXX ] now, and we will connect you with someone who can help. Again, this is an urgent matter. '' Then it starts to repeat the message. I hung up. Then I called the number back within a few minutes, and it is answered by an automated system. It is a womanly voice, saying " Thank you for calling XXXX XXXX. Helping one consumer at a time. If you received paperwork from our office, and know your party 's extension, dial it now or dial zero and a representative will be with you shortly. Please be advised that this is a debt collection company and this is an attempt to collect a debt ... This call will be monitored and recorded for quality assurance. It repeats this message two additional times, and then it will hang up on you. But no one ever answers. So, my problems are 1 ) this number has never previously reached out to me, 2 ) I have received no notifications anytime recently regarding any past due amounts or debt collections from this company or others, 3 ) the only bills I have are all set up for autopay, and doctor bills are paid within a timely manner, so there is no reason for a debt collector to call me, 4 ) If they never answer their phone, then I will never talk to anyone, because I REFUSE to press XXXX or XXXX or any number to talk to someone, if you are calling me then you should be on the phone, or don't call. I strongly feel that this is an attempt to scam people out of money that they do not owe to anyone. I tried to report it to the FTC, and they directed me to this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My property taxes were adjusted by the county tax assessor for the year XX/XX/XXXX to XX/XX/XXXX. They have also been reviewed and lowered for the next year XX/XX/XXXX. For the XX/XX/XXXX year the original amount due in taxes was XXXX. After review and appeal to the county the new amount due for XX/XX/XXXX became XXXX total, of that amount my first tax payment was collected in my mortgage payment along with my property insurance. My mortgage company Wells Fargo has paid the first bi-annual payment based on that first amount of XXXX. So they have already paid XXXX and according to the county assessor my remaining tax balance is only XXXX for this year. Now Wells Fargo has received all the new tax info from the county and done an updated escrow analysis but the are basing my next by annual projected payment on half of the total tax amount for XX/XX/XXXX which was XXXX and not what the remaining balance really is. So they are estimating my projected next payment at XXXX instead of the actual XXXX remaining balance. That is an over estimation of XXXX. The remaining balance in my escrow account right now is XXXX. That's XXXX more than I need to finish paying my taxes this year plus they have another 6 months left this year to collect escrow towards next years taxes on top of that XXXX. And they have projected me at XXXX. plus shortfall on my escrow based on a faulty over XXXX estimation of taxes remaining this year? Is this even legal? Wells Fargo has broken the law and been in trouble so many times I can't be sure nor do I trust them. Also if they are doing this to me what if they are doing it to thousands of other customers the extra money they would be raking in would be staggering?

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 2018-12-06
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On four different occasions I have asked Employees of Tower Loans not to contact me at work. I am a XXXX XXXX so obviously I can't receive personal or business calls at my place of employment due to the nature of my business. However, they continue to call my workplace even after being asked not to. 

They have also continued to call and harass my friends, coworkers and associates after being asked not to.

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 2018-12-06
Company: EQUIFAX, 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:
Equifax enclosed is a copy of your credit changes on my report you reported updated in my favor but my score dropped 8 point s the only thing was i an in dispute and reinvestigation is taking place my question is why you dropped 8 point because if an investigation the changes were in my favor not negitve

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received this letter from ERC ( attached ) which I have no idea about any XXXX account. The information represents that my personal information has been mistaken with someone else 's or that my credit file and personal identity has been totally compromised. This is a serious matter that needs immediate attention before it is put on my credit report. That would be a fraudulent act by ERC and XXXX as this debt is not mine and could be a result of ID Theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation