BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Bepensa Capital, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Around XXXX I went to XXXX XXXX auto sales and the car I was financing never really worked it was in the shop from the XXXX day I had it until he went and got it from the shop. Which was about XXXX days down the line. By the XXXX day I had told him I didnt want to finance a vehicle that I have never drove. So about XXXX weeks ago I went to try and finance a car from another company and they told me that it was showing on XXXX that I was still paying on an auto loan for XXXX dollars a month and thats not accurate. It was erased from my experian report but its still on my XXXX report so therefore it is hindering me from getting a vehicle. So I went up to XXXX XXXX office the same day about XXXX weeks ago to inquire about the situation and he told me that nothing should be showing up on me bc he bought the vehicle from the finance company so then he gives me a number to dial and from XXXX weeks ago til today I am still not able to get with anyone about the account. They keep hanging up on me when I do call and Im not getting anywhere with this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
Recently i received a copy of my XXXX credit report and noticed an unauthorized opened account from Suntrust added to my credit file, i did not give permission for XXXX or any one else to run my credit, i did not apply for loans or any credit cards with Suntrust. XXXX gave Suntrust credit card company access to my credit file without my permission. there is a Suntrust account that is reporting balances and late payments in my XXXX credit file that do not belong to me and when ever i talk to XXXX they blame Suntrust and when ever i talk to Suntrust they blame XXXX saying they must have my file mixed up with someone else 's, and no matter how many times you contact either party. they keep blaming eachother, i feel as if i'm not getting any real investigation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am getting many phone calls attempting to collect a debt asking for a person that has a different name than mine. It is only the same first name. They tell me they will stop calling me and they continue to call. Now I am got a letter in the mail. The letter has a contact phone number and they do not answer the phone it goes to a voicemail. They are not returning my calls. I am not this person they accuse me of being!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX  REWARDS CARD BY  SyNCRNIciTY BANK. i  have had problems making payments on this card, because of that i have been chsrged {$35.00} each time. i cant make electronic payments through my bank because  XXXX  doesnt offer tqqhat option. i have to login everytime but my email is never recognized so i have to have a password change everytime. so if i dont have my card with me it wont allow me to. i dont get rewards ever or a statement so im not ever sure what i owe bcause i cant login.i believe this is a trick to stop payments from being on time in order to get late fees.there is no email contact only phone and no one ever answers.i pay all of my cc on time this is t he only one that   there is an issue. this is illegal.

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 2022-08-16
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I wrote a letter from my location at the XXXX XXXX XXXX Federal Low Security Prison to DISCOVER CARD ( see attached ), requesting copies of my statements for XXXX, as I had been incarcerated since XX/XX/XXXX and upon reviewing my Credit Report, I discovered past due amounts that could only be by fraudulent purchases that I did not make, as I was incarcerated. DISCOVER CARD never sent me the requested Credit Card Statements for my review and therefore, I was not allowed an opportunity to review these charges and dispute, accordingly. DISCOVER CARD did not reply to my request for account statements within the 30 days required for a response, therefore they have not acted within the requirements under the FAIR CREDIT REPORTING ACT, and are therefore in violation of the FCRA. 

Further, I notified the FBI of these crimes and others in the attached letter to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: AES/PHEAA
State: FL
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 is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with FED LOAN SERVICING. The current status should not be showing late because I think I paid on time. This just proves that the 3 Credit Bureaus lacks proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPOR

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO
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 recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: AES/PHEAA
State: NV
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:
In   XXXX   I received a {$1500.00} grant while I was attending school, I was told at that time, that I would not have to repay it.   so, 34 years later after rehabilitating this grant into a loan, about {$6200.00} out of pocket, I got my loan down to {$5.00} per month which I could afford, then it was turned over to " FedLoan Servicing '' Pennsylvania  Higher Education Assistance Agency a nd after 3 months they changed the payments ( with out notice or explanation ), to {$100.00} per month. I caught it, voided "  Direct Deposit '' info, then  they revised it again to {$50.00}, voided that, I called and asked why the changes in payments? they said " BECAUSE THEY CAN '' now I have to deal with some of the worst leeches on the Planet Earth, I am now retired and trying to live off Social Security of just {$870.00} per month, I just need help in paying off the remaining balance to be free of this burden, can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: ERC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am getting many phone calls attempting to collect a debt asking for a person that has a different name than mine. It is only the same first name. They tell me they will stop calling me and they continue to call. Now I am got a letter in the mail. The letter has a contact phone number and they do not answer the phone it goes to a voicemail. They are not returning my calls. I am not this person they accuse me of being!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I visited XXXX XXXX XXXX XXXX ( XXXX 's Urgent Care of XXXX on XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX, XXXX, for a XXXX XXXX test ; as part of the visit, a XXXX Face Time via phone took place from my car with the doctor on call. The provider billed XXXX XXXX XXXX {$200.00}, and that was paid by the insurance company, XXXX. A XXXX bill, to the clinic itself, was for an additional {$90.00} and has been " in process '' for the XXXX months since the visit. I have made many calls to both the urgent care and to XXXX, and have no luck getting this resolved. As a result, XXXX XXXX XXXX sent my account to Congress Collections, which now is on my credit reports as a " major derogatory. '' This despite my monthslong attempts to resolve this bogus claim. A XXXX test was not supposed to result in a bill and a credit hit. But I can not get this resolved. My latest call to XXXX was on XXXX XXXX, XXXX. Previously, in XXXX I talked with both XXXX and the XXXX XXXX. I have been unable to get this resolved through either entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Received a call at XXXX XXXX on XXXX XXXX 2017 which woke me out of my sleep. Did n't recognize the number did n't answer. Caller ID had it as XXXX XXXX XXXX XXXX. Further investigation discovered that it was a spoof number for FAMS ( Financial Asset Management Systems ), a debt collector.

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 2017-04-25
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan about a year ago to pay for my rent, cause my check was a little short. Couple days after I got into a car accident, which I had to put all my money towards. I had to decide what bills were more important. I actually kind of forgot about the debt while going through therapy, until I started getting harassing phone calls from so many different numbers, at all different types of hours. Sometimes it 's  XXXX    XXXX   XXXX   XXXX    and my fone will still ring. Unfortunately a year later I 'm still unable to pay them back because I 'm still financially recovering from the accident, plus they keep adding these crazy interest rates. This morning I got a phone call stating that they 're going to file a civil suit against me if I do n't pay. I 'm the one that owes them, but this HARASSMENT HAS TO STOP, I ca n't take it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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 2019-12-12
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 called Equifax, today XX/XX/19, and spoke to agent XXXX. He lied to me and told me that I had to buy a product to update information in my 7 year, extended security alert and order my full credit report. Then he told me I misunderstood him, trying to convince me further of his lie, when I balked at this blatant lie. I spoke with supervisor XXXX, who also refused to assist me with the process. I was denied access to my full report, given no resources to obtain it, and told I had to incur further expenses mailing things into Equifax or faxing more things to them. I'm tired of being ripped off and nickel and dimed on fees and expenses to straighten these issues out that were caused by this company exposing my data. I won't be further extorted of my money. I want an accessible way to update my information and keep my personal information safe which Equifax has failed to do. Frankly they don't know the first thing about any of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I had taken out a loan and I paid most of it and now they put so much fee that now I owe them {$4000.00} before all I owed them was {$700.00} and when i stopped paying them it cause i had just lost my job and havent find a new job yet now they harassing me with the call  I get about 10-15 phone  a day from several phone area code and this morning received a called about that they are taking legal actions and they will put me in jail if I do n't pay off the whole {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was abroad between XX/XX/XXXX and XX/XX/XXXX. After I returned to the US in XX/XX/XXXX, I found out from my XXXX credit report that around XX/XX/XXXX more than 10 hard inquires were placed and 4 accounts ( 3 credit cards and an auto loan ) were opened in my name. Clearly this was not a simple mistake but an identity theft crime. 

I immediately disputed these activities and provided the necessary documentation which prove that I was not in the US when these accounts were opened. I also filed a complaint to FTC ( Federal Trade Commission ) and to local police in my town. 

Despite all these efforts, the CAPITAL ONE AUTO FINANCE rejected my fraud claim about the car loan which was opened in XX/XX/XXXX. This affects my life very badly because of the damage done to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
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:
What is wrong with Experian, I provided a letter directly from XXXX XXXX regarding the XXXX XXXX account listed which is NOT mine and is fraud. Not only I have provided the letter to Experian as well as the other two agencies the other two agencies have already removed. Even XXXX XXXX XXXX has requested removal to Experian and here we are two almost three months later this account is still listed. This is my last attempt to correct this mistake, if it is not correct I have no choice to take further actions and get legal advice as this mistake is holding up a financial move costing me money and it is not my doing.

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 2022-08-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Original Transfer Amount : {$2500.00} Date : XX/XX/XXXX WF XXXX ( XXXX ) WF XXXX ( XX/XX/XXXX ) This is my second complaint opened for the same issue ( XXXX ), I would like to include more details this go about. Currently my claim status is closed and the bank is " awaiting recovery '' of the funds from the external bank. At this point there are two problem that I would like to address, firstly I have not received communication as to what went wrong with the original transfer, the bank is saying it is completed yet they can not get in touch with the receiving bank to verify this. Secondly I sent a successful wire through a branch using the same information I typed online and it was successful. It is my assumption that Wells Fargo somehow sent the instructions incorrectly to the receiving bank and because of this the receiving bank ( XXXX ) either did not deposit the funds to the correct account or they deposited into their bank general ledger. I think this because at no point have I been informed of an error made by myself. If the bank is responsible for the error than they should write off the transfer as a loss and credit the funds back to my account. Also I am not sure how they can assume it was completed if they can not even verify it with the external bank. I was told when I called in that their wire operations team could not get in contact with the bank. It is my feeling that WF is covering up there mistake and passing the blame on me without saying either way. If the instructions were provided in-correctly then the wire should have been reversed by default. This has been an ongoing issue for over 3 months at this point, I am livid with the pace of this and require answers. I am coming to the conclusion that Wells Fargo is purposely with-holding my funds due to the impending recession.

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 2017-05-31
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: Public record information inaccurate

Complaint:
I am filing this complaint because  XXXX , Equifax, and   XXXX   have ignored my request to provide me with the documents that their company has on file that were used to verify the account I disputed. I have been requesting verification of the following account that  XXXX , Equifax, and  XXXX  continue to report on my credit file : Bankruptcy Case ID #  XXXX . I also contacted the United States Bankruptcy Courthouse in  XXXX , GA and spoke with a court clerk. The clerk 's answer was definitively clear : " The Bankruptcy Courts do not have any type of communication with any of the credit bureaus. '' Then I asked if the court received anything from  XXXX , Equifax or   XXXX   trying to verify the case, the clerk 's answer was again clear : " No, we did not receive anything from  XXXX , Equifax or  XXXX  regarding your case. '' She stated they do not furnish information to credit bureaus electronically, by mail, or by any other means. I have verified with the clerk of court stating they do not report or verify anything with the credit bureaus.  XXXX , Equifax, and  XXXX  are using a third party to report this inaccurate information. I 'm requesting the immediate deleti on of this inaccurate information.  XXXX , Equifax, and  XXXX  are violating the Fair Credit Reporting Act by saying they verified this item. Please, see the attachment. Also, under Section 611 ( 5 ) (  A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I request that this public record Bankruptcy #  XXXX  be removed due to lack of verification and inaccurate reporting of verification. I have repeatedly requested tangible documentation whether electronically or hard copies and  XXXX , Equifax, and  XXXX  have yet to verify. Also,  XXXX  informed me that they were not going to reinvestigate this information again unless I send additional relevant information.

Company response to consumer: Closed with explanation