BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: Exeter Finance Corp.
State: MS
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 will be filing a lawsuit against the Exeter finance company on the grounds of harassing phone calls all day and all evening, and they have put this on my credit report after I have told them the situation. Plus on the contract they over changed me almost {$17000.00} more interest on the vehicle I purchased when originally the vehicle was {$15.00} or {$16000.00} totaling the whole auto loan to {$34000.00} and some change with a seven year term on a XXXX  XXXX XXXX XXXX  XXXX. I am watching it daily to see the car note reported as past due when they know the situation I am in. I called them firsthand to let them know what is going on but it seems they dont care and want their money either way it goes. They have placed the loan and car note in default already. Why would I pay for something I dont have? Them and XXXX have ruined my credit. Please Help!!! 

Have any questions please feel free to contact me. 

XXXX XXXX XXXX XXXX : XXXX Home Office : XXXX Home Office Fax : XXXX Corporate Office : XXXX XXXX XXXX XXXX : TBA Email 1 : XXXX Email 2 : XXXX Company Email : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have my loans through Navient. I checked with federal student loans and the reported interest rate was 5.9 % and I checked Navient and they are reporting my interest to be 8 % to 9 %. I feel like they are misreporting my loan amount and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: NV
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 have someone elses social security number and all their personal info on my Equifax and I found it out in XXXX of this year and we have the same name exact birthday and live we live in the same city and I have been getting mixed up with her over 13 years since I moved to the same city in 2009. I reached out to Equifax and sent them my ID but they changed some but not all of the info. Now it is half her info and half of mines.It has kept me from financing, getting credit cards and other things as well as stress not knowing if she has my information. I screened shot all the info as evidence and saved it to a file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Experian Information Solutions Inc.
State: MN
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:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I started disputing an invalid late payment and paid charge-off on XX/XX/XXXX however, the bureaus never responded to me or advised that they would be starting their investigation with the creditors. I then disputed again on XX/XX/XXXX and XX/XX/XXXX. I am now submitting, today, XX/XX/XXXX my FOURTH dispute where I STILL have not received a response or ANYTHING from any of the bureaus!

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 2022-10-21
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Please see below message that I sent to CAPIO PARTNERS LLC. 



CAPIO PARTNERS LLC Attn : XXXX XXXX, MrXXXX XXXX XXXX, XXXX XXXX, MrXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Creditor Account Number : XXXX Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$930.00} Dear CAPIO PARTNERS LLC I recently received communication from you attempting to collect the above-listed alleged debt. You sent your initial communication attempting to collect the alleged debt was within 30 days ago. Be advised that I dispute the validity of the entire alleged debt that you are attempting to collect. Further, I request verification of the alleged debt, specifically, I request the following verification : ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance, ( 3 ) if any amount is due to property damage, then a comprehensive list of any damage done to the premises that is the basis for any charge and true repair bill or estimate dollar value of the repair, and ( 4 ) if any security deposit was retained to offset the balance, proof of mailing of any statement of charges detailing the reason for withholding deposit funds and proof of the letter mailing date. Any contract or agreement sent must be with the original creditor and signed by all parties to it. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). If you are not aware, credit reporting is considered debt collection under the law. Promptly request deletion of all your credit reporting made to any CRAs about the alleged debt. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request ( s ) to CRAs to delete your reporting of the alleged debt. This letter shall also serve as a complaint to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive any related information from you. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. 




cc : CFPB, XXXX XXXX XXXX, Washington, DC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-07
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
I 'm having an issues with Barclaycard processing payments by check on-time. My XXXX has to write a physical check to Barclaycard bank, Twice they processed checks late on XX/XX/XXXX and XX/XX/XXXX. Both times I got assessed late fees. It was waived for XX/XX/XXXX payment, but they would n't waive it for XX/XX/XXXX. My bank clearly shows they got the check by XX/XX/XXXX which was Friday before XXXX holiday weekend. Barclaycard bank did n't process it until XX/XX/XXXX. 

I have n't ever had issues with my bank not delivering payments on-time except for Barclaycard bank

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
This is my second time not receiving an update about my investigation. I have been wasting money on stamps, and ink to send out my letter. Its been more than 60 days and not response via emailand i, really disappointed. the account in my credit report is inaccurate and unverifiable.. I am authorizing this complaint with proof of the disputes i sent out I need your help to review to REMOVE OR UPDATE these inaccurate informations immediately 1. Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. 
XXXX XXXX XXXX Account number : XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed 2. This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX Account XXXX As a consumer by law this account must be deleted immediately. 
3. Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. 
XXXX  Account number XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed 4.Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. 
XXXX XXXX XXXX  Account number XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed

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 2016-01-20
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for a loan Modification XXXX XXXX XXXX, with request fo for XXXX trial payments of XXXX which posted XXXX, XXXX/XXXX/XXXX with in the grace period. I have not received my loan medication papers or phone call from my relationship manager after I left XXXX messages to her extension. Customer service is poor. I received XXXX demand letters from US Bank dated XXXX, XXXX, XXXX, XXXX XXXX demanding payment and stating foreclosure may start and loan will be accelerated by XXXX/XXXX/XXXX Mini Miranda statement does not appear on the letters in violation of FDCPA agreement. Each time I call it is stated bu but not the letters indicating breach of mortgage. I have dealt with US bank since XXXX/XXXX/XXXX all payments are as agreed The loan modification was Home modification program XXXX XXXX. My credit scores have dropped, My XXXX beacon was XXXX, now XXXX XXXX, and XXXX XXXX. US bank refused to indicate that my loan modification was approved for a lower payment and note that on the credit file. We experienced doctor bills, I have XXXX doctors and my wife has XXXX. 
All paper work XXXX pages were faxed on a timely basis during the review. Customer service is poor and return calls from my relationship manager indicates she has many files to work. I paid my shortage escrow at the branch they sent the check to Minnesota and was lost, I issued a second check in XXXX and they refused to reimburse my {$33.00} stop payment fee It was their fault. During the review my payments could not be posted live and had to be sent to XXXX, late charges were charged and I had to call to have those waived. When I called was treated as a delinquent debtor and this was upsetting. I value my credit but do not like to be marked as a person in loan mitigation as I was proactive in resolving my mortgage loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: WELLS FARGO & COMPANY
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:
This item had been removed from my report, but on XX/XX/2022 it was put back on. The circumstances of the event do not change and the account is still not mine and needs to be removed. 
I believe the bank periodically bring the information back onto the report in an attempt to collect funds or which is happening in my case hurt the consumer that has already been victimized. 
Either way, its shameful and malicious. I have had a property sold that I was trying to purchase because this account has resurfaced and I have lost out on a transportation contract because my credit score has decreased because this account has resurfaced. This is not right, its hurtful, shameful and malicious.

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 2021-11-22
Company: AMERICAN EXPRESS COMPANY
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, a {$75.00} booking fee, totally more than half of my XXXX night 's room reservation, was billed to my AMEX card without my knowledge or agreement. When I found it, I requested that the rental agent remove it, but she refused. She did not deny that she had billed my card without informing me or getting my authorization. She replied simply that all rental agents charge fees. I disputed this charge with American Express, but they sided with the merchant and denied my dispute, without explanation. I have requested an explanation from AMEX but they have not replied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a escrow account for taxes and insurance. The mortgage company is failing to pay insurance. In XXXX they didnt pay my hazard, causing a end in my insurance caused many problems to get reinstated. They did not pay in XXXX, I had to pay out of my own pocket, now they want me to get there insurance at a higher rate ( just like in XXXX ) they will not reimburse me or verify my hazard insurance with XXXX XXXX XXXX XXXX California.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SUMMARY : As a prospecting Home Owner in XXXX, I wanted a local bank in the region of metro XXXX, XXXX to finance my home - I chose XXXX Bank and upon processing my loan to finance. I wanted to feel the need to if I had any questions about my loan or any circumstances of my situations, I had the pleasure to walk into the bank itself. My loan was sold to US BANK in which I had no control of. Since the transferred of the loan, I have not received the adequate of services of this lender. This loan servicer is located in the State of XXXX in which is not accessible for me. With a local bank that is accessible in your area will allow you to incorporate the questions and concerns of your mortgage - to have someone to speak in person says a lot to handle the future of your home. I was deprived of that by force ... not by choice. According to US BANK, I have been calling a CALL CENTER and spoken with a dozens of individuals in which half of them told me something different other than what the others said ... no consistency at all!! This is not a call center whereas I pay my phone bill, credit card, or check on my banking account - This is my home, my shelter, my dwelling!! My intent is to save my home, however, with dozens of denials from US BANK and too many inconsistencies based upon the documentations has really been appalling. The last Relations Manager on my account - XXXX, did not work effectively or efficiently for me to save my home. She was rude, very loud talking, and spoke with hostility in her voice. I have several times to ask for a new Relations Manager, however, I resulted back to her to contact. I was told I did not have enough income ( XXXX documented ), but yet, to work a second job and was told I made too much for a modification on my home ( XXXX verbally ). Majority of all documents ... at least 75 % would not contain any signatures or names. My original loan payment of {$1400.00} began XXXX/XXXX/XXXX - my ending mortgage payment of {$1400.00} is XXXX/XXXX/XXXX ... .where is the assistance or real modification?? How can one receive documents that you were denied without a signature or name of who denied you - How can one be approved for $ 10- {$30.00} dollars off your monthly mortgage without a signature or name of who approved you ... .only to say ... Sincerely, The Resolution Default/Loss Mitigations Department XXXX Too many inconsistencies, speaking with too many individuals and the bias decisions has led me to this point of mayhem!! 

Sincerely, Damsel In Distress

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-13
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2016-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a credit card statement from Capital One for the period XXXX XXXX, 2015, but I do not possess a Capital One credit card. I telephone the Customer Service number on the statement : XXXX and spoke with senior account specialist, XXXX, who stated that someone else used my information to open this account and that he was closing it as of XXXX XXXX, 2015. There were no charges on this statement, but the statement informed me that I would be charged an annual {$19.00} fee if I did not close this account. 
Over one year ago I applied online for a Capital One account, but I cancelled the application/account via written notice delivered via XXXX XXXX to Capital One 's corporate headquarters. The reason for that was that I immediately received more than XXXX notice in the mail stating that they could not issue the card due to fraudulent activity on the card ( that did not exist ). When I telephoned the number on the letters, the same man answered and I called more than XXXX time. I was always asked for my personal information, i.e. date of birth, social security number, prior employment, etc. I concluded that the entire process was initiated and followed through by an individual or individuals conducting fraudulent identity theft posing as Capital One. Regarding the cancellation and report of fraud sent to Capital One 's corporate headquarters via XXXX XXXX, I did not receive any response at all. This is very suspect, in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Im XXXX years old high school student. I have Checking account with US bank. 
In end of XXXX I started to work in XXXX. My employer asked me to fill the form for direct deposit that required routing number and the bank account information. I brought an empty check on the next day, the check was in my wallet so I can provide this information. Unfortunately on that day I lost my wallet at my employer location. I contacted my bank to cancel my credit and debit cards. But in few days I learned that person by name XXXX XXXX used my check with fake signature to withdraw money from my checking account. The money was wiz drawn in different bank at XXXX XXXX location. The check was in amount of XXXX dollars. I filed police report by XXXX County Sheriff Office and filed fraud case number XXXX with US Bank. After 3 months of waiting I received the following response : US Bank has completed the investigation of claimed fraud on the above account. We regret to inform you that it has been denied for the following reasons 1. Customer Negligence Contributing to Alteration or Forgery 2. Customer Liability under " Security '' section of the Deposit Account Agreement I think in this specific case bank also was negligence as the money was distributed based on faked signature, clearly different from my own. In addition bank does n't provide any instrumentation to limit amount that can be withdrawn by the check or capability to disallow over draft. Based on that I do think that I entitled in complete money refund. The XXXX dollars that I lost on my account is a significant amount of money in my current situation. 
Thank you 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 monetary relief
Consumer complaint received 2017-01-04
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a US Bank customer, I went to a branch at XXXX XXXX XXXX. I was approached by the teller to participate in their checking promotion, " Just spend {$75.00} and we will give it back to you. '' I replied, my wife is in the hospital nearby and was in a hurry. He said it would only take 5 minutes. I agreed. He handed me a flyer and atm card and said just spend and call us when you are done. I call to redeem the my money the terms of the deal were chanced. Now that I just want to undo the deal they need me to come in again.

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