BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: Exeter Finance Corp.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Damages have occurred to me as the original creditor and consumer. I believe EXETER FINANCE CORP violated GAAP law. I want the details of the alleged agreement this institution wrote in accordance with GAAP. I want to know how my promissory note was purchased if a loan has been issued. I want the original promissory note to see the stamps, to see if the proper endorsed party is receiving payment. 

If the EXETER FINANCE lent their money to purchase my promissory note, then I am testifying that the bank violated the law- GAAP . Per GAAP and Federal Reserve publications, two loans were exchanged. I lent the promissory note to the bank that funded the loan back to me. The loan from me to the bank is the deposit of the promissory note. GAAP requires that the bank match a new bank liability with my name on it showing that the bank owes me for the deposit they accepted from me just like they do when I deposit cash into my checking account. Bookkeeping entries will say that if I withdraw my money the bank lent me nothing. The contract says the bank lent me money, but the bookkeeping entries say the bank accepted my promissory note as new money, as a deposit, just like depositing cash into your checking account. My signature can not testify that the bank lent me the banks money to purchase my promissory note, but the bookkeeping entries prove that they lent no money to purchase my promissory note. If I lent the bank money as a deposit, the bank accepted the money from me, the bank never gave up one cent of its money. The bank accepted money from me and deposited it which is the opposite of lending me money. If I lent the bank money and they never returned the same value back to me, then my note has been stolen and this contract is illegal. 

I Entered a dealership for a consumer credit transaction to extend credit to myself as the original creditor. I was misled as to who the original creditor would be. This contract was illegally assigned to EXETER FINANCE without my consent. No right of rescission paperwork has been conspicuously given to me and is not included in this contract. I was never given the option to include insurance in the finance charge. The finance charge is the sum of all charges and many misrepresentations of the finance charge is embedded in this contract. EXETER FINANCE committed fraud and identity theft. Fraud and identity theft renders any contract void. This contract is void. I claim full possession of the property, demand the pink slip mailed to me, all payments directed back to me by check and civil liabilities for federal law violations. I have a right to privacy and fair debt collection practices. My consumer rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX has reclassified several paid acounts with XXXX balances as collection accounts. These accounts were paid off by a student loan consolidation.

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 2020-01-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I secured this loan while enrolled full-time as an XXXX at the University of XXXX, and I have been enrolled full-time since then. I am currently enrolled in graduate school, and I will complete school in XX/XX/XXXX. 
I have continuously received harassing phone calls and letters about repayment, despite the terms of the loan stating repayment will be deferred until I am out of school - there is also supposed to be a 6-month grace period upon graduation. Wells Fargo has inappropriately caused my and my mothers credit to be harmed. 
I called Wells Fargo on XX/XX/XXXX to inquire further, once I saw that it had been reported as a debt in collections. The representative I spoke to said she had access to every academic term I had ever been enrolled, and she assured me that it was their mistake, and they would correct it. 
However, I just received a letter dated XX/XX/XXXX that they noticed I was no longer enrolled in school as of a date that hasnt occurred yet ( XX/XX/XXXX ). The letter also says that my repayment start date is XX/XX/XXXX, which is more than a month before I will complete my degree. This was an issue I was assured would not occur again on my call on 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 2022-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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: Their investigation did not fix an error on your report

Complaint:
Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted 5 payments that are reported as late. I have disputed the late payments already two times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/XXXXand XX/XX/2020 ). I was affected by COVID and tried to get a deferment and couldn't get through and therefore accounts ended up being late.

I am hoping you can make the necessary adjustment under the CARES Act. 

I no longer have possession of the card and can not provide the full account number. I am happy to verify another way if necessary. 

Last 4 of account number - XXXX Last 4 of SSN - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: MI
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 previously had an investigation into accounts reporting incorrectly on my credit report in XX/XX/XXXX.  Equifax could not validate the debts and therefore removed them from my credit reports in XX/XX/XXXX.  Equifax has experienced yet another security breach. I noticed the items that were previously have reappeared on my credit report. There was no notification which is in violation of the FCRA. 

The accounts are 1 ) XXXX XXXX XXXX {$3400.00} 2 ) XXXX XXXX {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02
Company: PNC Bank N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On or about XX/XX/XXXX, I sent a check to PNC Bank bank to pay off part of the balance on my PNC Premier Traveler Visa credit card. The check that I sent was in the amount of {$490.00}. On XX/XX/XXXX my account was erroneously credited with a payment of {$95.00}. At no point have I ever sent a payment in the amount of {$95.00}. And I have confirmed that my check of {$490.00} was deposited by PNC Bank ( I have included a copy of the cancelled check ). They clearly deposited my check, but credited my account with the wrong amount. 

On XX/XX/XXXX I contacted PNC about the issue of the wrong amount being credited to my account. They opened a case for me ( Reference # XXXX ) and sent it to the Retail Escalation Team. I have since been in contact with this team numerous times including : XX/XX/XXXX - I received a call from the Escalation Team and explained the issue. They said they would try to look up the check internally, but it would be helpful if I could send a copy. On the same day, I faxed a copy of the cancelled check to XXXX XXXX from the Escalation Team. 

XX/XX/XXXX - I called PNC again to follow up and see if their was a resolution. After spending 1 hour on hold trying to get through to the Escalation team, I gave up. 

XX/XX/XXXX - I called the Escalation team again. I was told that XXXX XXXX had the fax, but I needed to wait for someone to review/approve it. 

XX/XX/XXXX - I received a voicemail from XXXX XXXX, but it did not include any information about a resolution to this situation. I attempted to return his call on XX/XX/XXXX, but there was no answer and I left a message. I called again on XX/XX/XXXX and again there was no answer and I left a message. 

It is now nearly a month since they received my original payment, and they still have not fixed the problem. In the meantime, my credit card bill was due on XX/XX/XXXX and I was forced to pay an additional {$400.00} to make sure they did not start charging me interest. While I understand that occassionally mistakes happen, I have given PNC Bank ample opportunity to fix this issue and they continue to drag their feet while I am out an extra {$400.00} due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When my loan started to become due. I told sallie mae that I am not able to pay the loan at this time because I was not making enough money to pay it back. Sallie Mae at did offer me a reduced payment plan. They had me put the loans in forbearance. But being that I was past my due date they could do the forbearance for the past month I missed. And if I needed to put in forberance again I needed to call before the next due date. By doing the forbearance the loan amount went up. Sallie Mae never called me directly to let me know that I was behind in payment. They would call my co-signer but never called me directly. I approached sallie mae to get a lower payment. The deal they offered me was not acceptable. Sallie Mae offered to lower my interest rate only two years. And after would be back to a varible rate that i have know Idea what it would be. And being that they were lowering the payment because of the interest rate. They added five more to my loan. I also offered to settle the loan with a buyout amount. Sallie Mae said they would take nothing less then 90 % of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a XXXX XXXX Account to qualify for a {$500.00} bonus before XX/XX/XXXX, I have maintained the balance of {$50000.00} for over 120 days yet have not seen this bonus reflected. Please credit the bonus to this account. I have reached to online support of Comerica without the desired response. 

Thanks, XXXX XXXX Welcome! Your last Log In was Friday, XX/XX/XXXX XXXXXXXX XXXX ET XXXX ServiceLog Out OVERVIEW ACCOUNTS E STATEMENTS TRANSFERS BILL PAY MOBILE BANKING / ALERTS Message Center Send a Message Message Return to Messages Date : XX/XX/XXXX XXXX XXXX  Subject : RE : Account Inquiry My name is XXXX and i am pleased to assist. XXXX, The {$500.00} XXXX XXXX XXXX offer will be advertised in the Southeast Michigan, XXXX, and XXXX regions starting the week of XXXX XXXX and running until XXXX XXXX, XXXX. For new-to-bank prospects or existing customers to qualify for these offers, they must first successfully open a Comerica XXXX XXXX XXXX account through OAO then meet the following criteria XXXX XXXX XXXX Deposit {$50000.00} within 30 days of account opening ( across a few acct types ) and maintain a minimum balance of {$50000.00} for an additional 60 days ( 90 total days ) after account opening. After meeting the requirements, you will receive their offer within 30 days. If I can help you in the future, please send me a message or you may reach our Customer Contact Center by calling XXXX. I am glad that you bank with us. Thank you for choosing Comerica Bank! XXXX Comerica Bank Member FDIC Equal Opportunity Lender Not all products and services are offered in all states -- - Original Message -- - Sent : XX/XX/XXXX XXXXXXXX XXXX To : XXXX Subject : Account Inquiry Segment : Individual Inquiry : I can not find my question. Message : Could you please let me know when the {$500.00} bonus for opening this accounting and maintaining 50K average balance will post? Per the terms it should have posted in XXXX, 90 days after XX/XX/XXXX. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX has reclassified several paid acounts with XXXX balances as collection accounts. These accounts were paid off by a student loan consolidation.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 called XXXX and TransUnion credit bureau after I purchased a credit report from Identity IQ on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$67.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XXXX Balance : {$2600.00} on my credit report which is UNKNOWN to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent account and have it BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any accounts which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the thief identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2021-07-23
Company: I.C. System, Inc.
State: GA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2022-08-17
Company: GOLDMAN SACHS BANK USA
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I applied for a credit line at XXXX and someone already has used my SSN to make accounts its also happened to my Apple CC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I previously disputed any amount owed due to XXXX XXXX attempts to charge me for things that were not valid, many things I had reported in my initial walk through. I also disputed owing anything to FABCO because I never signed any contract to do business with them. I asked several times for them to produce this information and they failed. I called to notify them that I filled for bankruptcy and they put the debt on my credit report as if it were a new debt. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
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: Account information incorrect

Complaint:
on XX/XX/2021 I applied for a credit increase on my XXXX XXXX XXXX card. I was denied a credit limit increase based on the following reasons by XXXX XXXX that were documented in their letter to me ; 1. Collection by XXXX XXXX XXXX XXXX according to Federal Law a credit provider can not use Medical bills as a determination of credit worthiness. This Medical bill balance was paid in full for less than {$400.00} & was part of a personal injury law suit and bill was paid late by my legal representative. 
2. XXXX states my payment history is unsatisfactory ; All 3 credit agencies report no deliquent payments by me ever. 
3. XXXX states a FICO score they pulled on XX/XX/2021 of XXXX ... my actual FICO score when I requested a credit increase is XXXX, a 40 point increase in two weeks. 
4. XXXX states my revolving balances are too high. Fact ; I have paid off entirely in the last 60 days over {$42000.00} of credit card debt including 100 % of my XXXX card Balance. 
5. According to Experian my credit accounts are excellent history with my oldest credit account nearly 40 years old. 
XXXX did not use current credit reporting information to assess my credit limit increase though it was available. They also in writing voilated Federal Law by using a Medical bill for a reason to deny credit. Overall XXXX denied me credit based on outdated, incorrect and credit banned by Federal law to be used in a credit decision.

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 2022-01-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO ACCOUNTS THAT DONT THAT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted 3 payments that are reported as late. I have disputed the late payments already two times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XXXX, 2020, and XX/XX/2020 ). I was affected by COVID and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: IL
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 my  3rd c omplaint against Equifax, my initial complaint was on  XXXX   XXXX ,    2017 ple ase see attached documentation sent with verification, I called on  XXXX   XXXX ,    2017 a t  XXXX   XXXX  and spoke with a representative regarding a tax lien on my credit report and was told that  the Lien w as removed only to get my report in the mail and it is still appearing on my credit report, I am requesting again that the tax lien be permanently removed from my report, i deputed this same item with  XXXX  and  XXXX  and the item has been removed,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent credit Inquiries on my credit report over the past two years I didnt apply or authorize for any credit company to access my credit from XX/XX/XXXX to 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 non-monetary relief