BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-20
Company: National Financial LLC
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On Wednesday XXXX XXXX I physically handed a Revocation and a Power of Attorney letter to National Financial LLC XXXX Loan Till Payday to stop payments of {$170.00} from coming out of my checking account. 

They did not honor the letter and processed to take the amount out anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have two student loans, [ one with FedLoan Servicing : {$170000.00} & one originally from XXXX, transferred to FedLoan Servicing : & & XXXX ]. I am paying {$1100.00} on the larger loan & {$170.00} on the smaller one. I have been paying for over two years on the smaller loan, which means it should have been paid off a while ago ; however, when I contacted FedLoan Servicing, I was told that only {$8.00} was being applied to that loan and the rest of my monthly was being applied to the larger loan. Can they do this? They also told me they would lower my monthly payment to {$12.00} instead of {$170.00}, which they have not done! I would like this loan to be marked : PAID IN FULL since I have paid OVER {$4000.00} on this loan. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I DISPUTED THIS DEBT WITH XXXX XXXX XXXX AND REQUESTED VALIDATION, THEY SENT A LETTER SHOWING THE CREDITOR ONLY AND THEN VERIFIED THE DISPUTE AS INFORMATION IS CORRECT. THE INFORMATION IS NOT CORRECT ACCORDING TO THE FCRA THIS LETTER THEY SENT IS NOT A DEBT VALIDATION FOR BOTH XXXX XXXX XXXX AND XXXX XXXX I HAVE NEVER SIGNED ANY TYPE OF CONTACT WITH MXXXX XXXX XXXX AND NEVER RECEIVED PROPER DEBT VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX and Collection Services of Athens have been falsely reporting to credit bureaus regarding account # XXXX. This account has been paid as agreed. If negative credit reporting is not stopped immediately, the appropriate legal action will be taken.

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 2021-01-19
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
citi has decreased my credit limit from about {$15000.00} to {$500.00} only because I have paid the us postal service adress change {$100.00} with the citi card and their non sense programs have blocked the card for further use, during the holiday season, from about XX/XX/2020 up to today the card was not usable because they have placed a block on the card simply because I used the card to pay {$100.00} they have decreased the credit limit but their complaints are increasing There are many online complaints for the same citi non sense : cards are bocked when used and credit limits are decreased when card are used citi cards can be requested, but no one have to use the cards, otherwise they will block them there are many stories about their fraud non sense department and their psychological problems

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 2017-10-23
Company: Mission Financial Services Corporation
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
mission financial sued for the remaining amount on the truck for XXXX then they reported XXXX on the credit report. they are displaying unfair debt practicies by re-aging the debt and changing the amount owed. Everytime I call they give me a different amount but they put XXXX on my credit report. They clearly have violated [ XXXX XXXX ] subsection XXXX ( XXXX ) my mis-representing the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
There are 2 collection accounts on my report that are not mine. I have asked for verification of the accounts multiple times and the response I get is they have " validated it ''. I have sent several letters asking for verification of accounts in accordance with FCRA. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified. '' I have requested that the collection accounts : XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX Acct # XXXX to be verified. I would like to see proof that these are indeed my accounts, which I adamantly believe they are not. I would like them removed as it is my right under the Federal Law

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 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 received a call from a collection company stating about a debt I owed on TV service. I have never applied for TV service, I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX XXXX {$75.00}

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 2017-07-03
Company: American Financial Resources, Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am trying to complete a refinance on my home mortgage, changing it from an FHA to a conventional loan. I ordered a payoff on XX/XX/XXXX good through XX/XX/XXXX since this is an FHA loan I have to pay interest good through the XXXX of the Month. When I notified I was not going to be able to close on my refi by XX/XX/XXXX, I called on XX/XX/XXXX and requested a payoff good through XX/XX/2017 knowing I would have to pay a full month interest to close out my current FHA loan. <P/>I have called 3 more times as of X/X/2017 and still have not received an updated payoff. My rate lock is now expiring and American Financial Resources does n't seem to know how to process an updated FHA payoff in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Screening Reports Inc.
State: MI
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:
Unauthorized Credit Inquiry XX/XX/2017 Scrng Rpts XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I previously filed a complaint with CFPB concerning harassing phone calls from the stores which are Capital One, XXXX, XXXX, XXXX and XXXX XXXX! I had been talking with them all concerning lowering late payments as well as smaller pay off amounts to get my cards back current and usable. They all assured me that they would send a letter as well as email me converting the amount they had figured to get my cards usable. Some even lowers late payments and took money from me saying my account was in good standing and I would be able to use my cards in XXXX weeks! They all closed my cards without notifying me and I called constantly! This has drastically messed up my credit and after being harassed and lied to SOMETHING must be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: FC HoldCo LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Ive paid almost XXXX dollars into the vehicle and they say I still owe XXXX on the vehicle the vehicle was only XXXX at the time of purchase the appraisal amount I was offered was XXXX. NOT TO MENTION REPLACES.

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 2017-09-27
Company: Innovis
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:
Innovis is n't reporting an account and balance under negative accountant hat does not belong to me I have reported this to home for years and they are now asking for a police report which was originally sent to them and I 'm told I can not obtain a new one since this is XXXX years ago This account and balance from XXXX  XXXX credit card do not belong to me and needs to be removed from my credit file immetiely They continue to violate many credit reporting rules and regulations and have been noticed I of this error for years and have failed to make it correct

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
First, this is so stressful and disheartening that as a consumer my rights are constantly being violated. I have been dealing with these issues for over 9 months. I am including ALL 3 BUREAUS IN ONE COMPLAINT!!! 
XXXX, had a MAJOR problem with stalling disputes by sending FRAUD DISPUTES LETTERS. I am sending these letters from MY HOUSE, Signing them and enclosing my identification. Exactly how on earth is this a FRAUD DISPUTE? DO NOT SEND ME THESE LETTERS AGAIN!!! I have filed several complaints with them with the BBB & CFPB they always reply with ( they need more time ) one time even replying that they were investigating a BANKRUPTCY. I HAVE NEVER FILED BACKRUPTCY. 15 DAYS IS MORE THAN ENOUGH TIME TO SEND ME INFORMATION REQUESTED OR REMOVE THESE ACCOUNTS. My biggest issue with XXXX is them verifying accounts and not sending me documentation of HOW they were verified. 
First XXXX I have contacted this company myself after disputing with XXXX and Transunion several times and asked them to furnish me with the same information they have furnished the credit bureaus because i KNOW for a FACT it is inaccurate. No response. XXXX  and transunion still tells me this account is verfied. It needs to be removed IMMEDIATELY. 

XXXX XXXX XXXX same with them. XXXX put the burden on ME to validate this debt with thr collection agency. They DID in fact submit me witb documentation for an XXXX XXXX. This account is NOT MINES and needs to be removed. 

I Also sent XXXX and the following collections agencies ( professional credit and credit bureau ) services letters stating that i felt that my hippa rights were violated. I requested a medical release form that i have NOT recieved. Under hippa my medical information is protected. XXXX  needs to remove ANY medical bills immediately unless they can furnish me with a medical release form. 

Also on ALL THREE BUREAUS the department of education is reporting several late payments on my account. An account that has been closed and transferred. They recently just updated this account with an 120 days past due warning. How is that even possible and this account has been with another agency over a year. This account needs to be removed from all three bureaus. 

This is exhausting that as a protected consumer i am getting all kinds of run arounds with MY CREDIT. This is causing me major stress and sleepless nights. This is my last letter before filing a lawsuit. I can not keep doing this back and forth.

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 2017-09-27
Company: CORELOGIC INC
State: MT
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 didnt make this credit inquiries. This is affecting my credit scores. This is a mistake. Please investigate this and erase this from my credit report. I called all this companies and they didnt solve the problem INQUIRIES : 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX  XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4.XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX/XXXX/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 2017-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital one has listed 2 ccrd account in the amount of {$2200.00} twice, reporting from XXXX. Only one account should be reporting, Please have them remove this erroneous, from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Wells Fargo issued me a {$100.00} XXXX gift card about a year ago. Went to use the card recently and there was no balance on the card. I have called Wells Fargo multiple times to resolve this matter to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-05
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fidelity Information Corp is reporting to XXXX an account that is not mine as 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
Consumer complaint received 2022-08-05
Company: TRANSWORLD SYSTEMS INC
State: MA
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:
The past 3 hits or more on my account have been from a workers credit union account I have co-signed with my father. He has been paying it and has also filed a petition to remove it from his credit report as well because it says the account is delinquent when it has not been in the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
As I was signing up for the app called  XXXX  the app told me that Bank Of America is not a bank they are associated with. I find this odd and disturbing as I just switched from  XXXX   XXXX  to Bank Of America and know that  XXXX   XXXX  is excepted with the  XXXX  app but not Bank Of America. I find this highly disturbing because Bank Of America is the second largest bank in the nation. Therefore Bank Of America should be a bank excepted through the  XXXX  app. Please tell Bank Of America to get with the program as I have been with them since  XXXX   years old  which would be 20 years!!!!!

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 2017-07-06
Company: EQUIFAX, INC.
State: WA
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:
OnXX/XX/XXXX I had a Chapter XXXX Bankruptcy discharged. <P/>XXXX XXXX was included in this bankruptcy discharge, and should NOT be reporting ANY negative information on my credit reports. <P/>XXXX : XXXX XXXX listed as an " adverse account XXXX XXXX : XXXX XXXX listed as a " Negative '' in XX/XX/XXXX Equifax report : XXXX XXXX XX/XX/XXXX " date of 1st delinquency, '' XX/XX/XXXX " Date major delinquency 1st Rptd '' On XX/XX/XXXX I  contacted XXXX XXXX XXXX and Equifax credit reporting agencies. The agencies acted clueless as to why XXXX XXXX is showing negative on the credit reports. On XX/XX/XXXX I  contacted XXXX XXXX whom said they would open up an investigation regarding the negative reports. <P/>I have also been told by my banker that XXXX XXXX is reporting a late payment from five years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: JPMORGAN CHASE & CO.
State: MT
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:
XX/XX/XXXX16- Chase Credit card unsolicited inquiry to my credit I want to delete this inquiry from my credit report. I didnt ask for credit in the company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax refuses to tell me whether my SS # was stolen through them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: EQUIFAX, INC.
State: MN
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:
Equifax needs to lose it 's license. They admitted to me that I was one of the 143 Million people that had their private data exposed.
I have been harmed in the fact that I will never know if my data will be used for nefarious purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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:
A new account has been opened on my credit report. XXXX/XXXX  now appears on my report, and its got a XXXX dollar balance It was opened on XX/XX/XXXX, i did not open this account and have no clue who did. 

I filed a dispute with XXXX  and experian, and they say the information is accurate. I have no clue who made this account, or who is using it. I have no access to it.

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 2017-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I was a cosigner on this loan only ... since it was repoed it shows on my report as if it was my loan.. I also disputed this account recently and now it is showing an opening date in 2017 when all actuality this account was opened years ago and has been charged off. This is causing my credit score to be lowered because it looks like a recent collection on an account that I just opened

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 2017-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Bank of America is not letting me settle or payoff my account. They are not even giving me a payoff demand letter on my account even after multiple request. I am trying to do short sale and they are in the 2nd position and they holding up the whole process for short sale. 1st line is already approved for short sale but due to bank of America not issuing a payoff or short sale approval I am not being to close on the property.

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