BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-07
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: Was not notified of investigation status or results

Complaint:
In XX/XX/2017 I was approved by my college officials to travel to Puerto Rico to help the people during Hurricane Maria restoring power and water while continuing education. I traveled to the XXXX XXXX to assist the people as well there. However my bag was stolen from my rental car that contain my identification and other pertenant information. I made a police report about the incident while out of the country to possibly retrieve my missing belongings and never did. I became a victim of credit card fraud and identify theft reporting to all three credit bureaus to possibly help fix the problem. As of today nothing has been done that has a direct negative effect on my personal and business credit. Experian sent my complaint and information back return to sender address unknown. It has become impossible to reach Experian to help fix this issue as well as receiving there credit boost for paid utilities. I did send all information to XXXX  with a official police report and yet to receive information considering a investigation., It has been two years struggling to bring a resolution to this credit issue. Now with the COVID -19 destroying the economy it has become extremely important to fix my credit to empower others

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 2015-10-21
Company: SUNTRUST BANKS, INC.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened a business checking account with Suntrust XXXX 2015. Was notified XXXX XXXX that account had to be closed because they made a business decision to no longer service our industry. XXXX XXXX loans ). 
The bank personnel admitted that the decision was made due to the FEDERAL GOVERNMENT PRESSURE TO NOT CONDUCT BUSINESS WITH A PAYDAY LOAN COMPANIES. ALSO KNOWN AS AN ILLEGAL BACKROOM POLICY NAMED 'OPERATION CHOKEPOINT '!!!!!!! 
WE ARE A SMALL FAMILY OWNED BUSINESS THAT IS BEING CRUICIFIED & CRUSHED DUE TO THIS IGNORANT POLICY!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My student loan servicer, FedLoan, has n't been properly designating payments of mine as qualifying for the Public Student Loan Forgiveness Program. Currently, FedLoan only has one payment on XXXX loan properly credited, when I know I have made dozens of qualifying payments. I asked FedLoan to look into this and correct the situation over 2 months ago ( I had also made a request over the phone prior to this, but I do n't remember the date ), but after following up a couple times, they still have n't corrected this. They indicated that it would take 90 business days to look into this and complete my request -- 90 business days is more than 4 calendar months!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: PRESTIGE FINANCIAL SERVICES 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: Credit inquiries on your report that you don't recognize

Complaint:
i have unauthorized credit inquires on my credit report, i have sent in letters to merchants who can never locate a account and i have sent letters to credit bureaus who tells me to reach out to merchant with no ACTIONS taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE FILED WITH THE FTC,,,, I WRITTEN ALL 3 BUREAUS,,, I HAVE WRITTEN THIS CREDITOR ...

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 2019-10-27
Company: The Receivable Management Services LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
To whom this may concern. 

I am writing In reference to the bellow letter from RMS dated XX/XX/XXXX. 
This is the second letter I receive from RMS saying I owe you money for a plain ticket from XXXX and XXXX. I would like to inform you that I have already paid off this merchant in full and never disputed the plane ticket. I have emailed XXXX regarding this matter and they confirmed in writing the ticket was paid in full and there has been no dispute as you claim in the letter. Please see bellow email attached from XXXX confirming that the ticket was paid In full. 

RMS has no legal basis on this claim. I am concerned that you have my personal details which clearly I never authorised to provide them to you. You have violated the Data Protection Act of 2018 by sharing my personal information with third parties without my consent. Furthermore I would like you to stop sending me letters saying I owe you money when clearly I dont. 
If you continue to send me letters or emails I will consider this as harassment and will pursue a civil claim against you for fraud, extortion, violating data protection act and harassment. I will be making a report to the consumer financial protection Bureau for fraud against 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 2019-10-27
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:
XXXX HAS INFO ON MY CREDIT REPORT THAT IS INACCURATE. 

NOT MINE : XXXX XXXX XXXX -- NOT MINE XXXXXXXX XXXX XXXXXXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY  XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY  XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY  XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY   XXXX XXXX XXXX XXXX XXXX, FL XXXXSINGLE FAMILY  XXXX XXXX XXXX XXXX, FL XXXX-XXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX, FL XXXXAPARTMENT COMPLEX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX  balance {$0.00} account # XXXX 30 days in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, as a result of the COVID-19 epidemic, this payday advance loan from Speedy Cash went into default in XXXX. The account was placed in collection, and this writer agreed to pay a lower sum than the posted amount due in exchange for the customer 's release from any further financial obligations with Speedy Cash. 

Now, two and a half years later, in the month of XX/XX/XXXX, we received a letter from a corporation called Ad Astra Recovery Services , Inc., situated in XXXX, Kansas, claiming we owe a balance of {$1700.00} and if left unpaid, will be reported to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: ALLY FINANCIAL INC.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I took a loan out for a car and realize that the payments where too much for me to make. Asked company to reduce the payments and the company refused, forcing a possible default on the loan and a repossing of the car. ALLY FINANCIAL.

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 2017-02-21
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
From the very beginning my loan servicer has been deceptive and taken an approach that has guided me towards bad decisions, including avoidable deferments and forbearance 's that were not explained. I assume this sales-ish approach is geared towards growing their fees and interest charges - and eventually their principal. I accept some responsibility for not being better educated on the subject. However, when I ran out of remedies, I was guided towards remedies that they said would only be available in default. Now that I 'm in default, I see what an awful decision that was due to fees. They also transferred lenders from American Education Services ( which is owned by Pennsylvania Higher Education ) to, none other than Pennsylvania Higher Education so that they could recapitalize fees and unpaid interest, and then charge yet another round of fees and interest on the increased principal. I do n't know if this extremely deceptive practice is legal, but it should n't be. It certainly is n't ethical to conduct a slight of hand that unfairly grows the principle amount without my knowledge. 

I feel like every stage of this process has been deceptive, misleading, and designed to gouge well-meaning borrowers like myself. I find myself stunned that any of this is legal. I borrowed about {$27000.00} for school, and now I 'm on the hook for {$41000.00} because they guided me towards default programs that charged me 19 percent up front to be treated like vagrant. And unless I can somehow pay the whole thing off, it 's going to keep growing. 

Yes I fell behind. But I had a long period of unemployment and have only recently gotten back to normalcy and a reasonable income ( which works against me apparently ). I just want them to slow the wage garnishment process because I know that EVEN MORE fees are coming with it. I am working on a way to pay the balance an roll it into a mortgage on a family home at a better rate, but it takes time. And the more they grow their piece of the pie, the more impossible this remedy becomes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX XXXX {$0.00} aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Avant Credit Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX, I scheduled a payoff payment for a personal loan with Avant. They told me the amount of the payoff was {$4300.00}. On XX/XX/XXXX at approx XXXX, I dropped in a mailbox at the United States Postal Service at XXXX XXXX XXXX, XXXX , OH  XXXX a check for {$4500.00} written by my bank, XXXX XXXX XXXX XXXX , to Avant , LLC . As Avant requested, it was sent to XXXX XXXX XXXX, XXXX, IL  XXXX. Yesterday, XX/XX/XXXX, I spoke with an Avant customer service representative on the phone. That person told me that they have not received the check I sent. That person also told me my loan balance is now between {$4400.00} - {$4400.00}. It is convenient for Avant to claim they have not received the payoff check because the balance on my loan with Avant increases daily. The longer they can claim they have not received the check, the more my balance with them increases. From the date I sent the check to them to yesterday when they claimed they have not received it is 12 days. It does not take 12 days for regular mail to go from XXXX, OH  to XXXX, IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions 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 went onto my Experian on my account and I am see a lot of inaccurate information on my report that needs to be removed due to the fact that it is hurting my score. 

XX/XX/2021 Flagged for 119 days past due XX/XX/2021 Flagged for collections XX/XX/2021 Flagged for not more than 2 payments past due

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 2022-05-05
Company: Experian Information Solutions Inc.
State: AZ
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: Problem with personal statement of dispute

Complaint:
Experian refuses to remove an account that is completely inaccurate and will not show me evidence of the alleged accuracy. It is from XXXX XXXX and is approximately XXXX dollars. This is an account that was charged up to the secured amount originally of XXXX and never went over and should have been closed. It is now at over XXXX dollars they have charged interest on a " secured '' card that never went over the allowed amount and should have been closed. This is absolutely fraud. And they will not show evidence of charges from this account or why they are leaving it on my credit. They will not remove this fraudulent charged 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 2020-04-07
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I changed my auto-draft amount to a lesser amount in XXXX on myloancares website. It was set-up to withdraw from my checking. But it withdrew from my savings. Ive had this issue for 4 months straight and I dont know what else to do. Ive incurred more than {$100.00} worth of fees from this companys all because of this. I bank with XXXX, but quickly realized it wasnt there fault but myloancare. I emailed to request a refund since it isnt XXXX  fault but myloancare for not taking the money out of the correct bank account.They tried taking the money XX/XX/XXXX. From savings even though it was set-up for checking.

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 2016-10-30
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card
Issue: Rewards

Complaint:
I was a Wells Fargo customer with their Wells Fargo Visa XXXX which gave XXXX points per {$1.00} spent at drug stores and grocery stores. I bought prepaid cards as defined legally as " XXXX '' by the CFPB. The T & Cs from Wells Fargo state we can not buy cash equivalents such as money orders or pre-paid gift cards. " XXXX '' is explicitly defined as NOT a gift card by the CFPB. Furthermore, cash equivalents have a definition as well. Cash equivalents include all undeposited negotiable instruments ( such as checks ), bank drafts, money orders and certain certificates of deposit. Of which, a XXXX '' is none. 
I received a letter asking me to cease buying prepaid cards or they would shut down my account. I did so immediately but nonetheless they shut down my account and took all the rewards I had earned which totaled {$5000.00}. I contacted Wells Fargo 's XXXX office and complained that I had done exactly what they had asked but still they closed my account and took all my hard earned rewards where in the end I lost money. 
I get that they can terminate the relationship at any time, but they should n't be holding back rewards, as what I did was not in violation of the contract.

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 2022-05-05
Company: DISCOVER BANK
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Capital One Venture XXXX is promoted as a card that you can book travel via their web portal and accumulate 10 times points when you do so. 

However, their portal is so limited that it doesn't show the best available price nor does it show all the available flights. The booking engine is so limited that you would end up buying several 1-way tickets ( which are more costly ) when you want to do a multi-segment trip. 

I've only successfully booked one ticket on their portal, all my other purchases need to be made directly with airlines or another portal such as XXXX. 

The yearly fee takes into account the use of the travel portal to accumulate travel points, however, I am realizing this is a farce in the year 2022 not being able to book all options on a web portal. 

Deceptive advertising practices at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, 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 XXXX XXXX have contacted the following bureaus now for over an year to delete the following account and it has been refused to be removed. I mailed a dispute for this same account more than 6 times. I have submitted Fraud Affidavits, and police reports. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1.Identity theft Account XXXX XXXX XXXX XXXX ( {$1700.00} ) XXXX XXXX XXXX, XXXX, DE XXXX Opening date : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a Affidavit, and police report. Please investigate and remove from my credit report. 






Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 2.Identity theft Account XXXX XXXX XXXX XXXX ( {$1700.00} ) XXXX XXXX XXXX, XXXX, DE XXXX Opening date : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a Affidavit, and police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I wanted to start building my credit because I am close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had I paid for it and had the account closed. I decided to pull my credit and there are a coupe of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.

Company response to consumer: Closed with explanation