BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
This account has been paid in full, and per the creditor Midland Credit Management - this account was supposed to be deleted from my credit profile after it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I am a XXXX Consumer I am a victim of Ideninity theft, Mail fraud and No Access to this banking. Creditcard account I have unsuccessfully tried to report a replacement card stolen or never delivered 5 times I am required to enter a text or email code I physically am unable to do to GET VERIFIED and if I am not verified I can not report the stolen/ undelivered card I AM AT GREAT RISK I CAN NOT GET VERIFIED TO GAIN ANY ACCESS I AM TRYING TO PREVENT MORE FRAUD I HAVE NO ZERO LIABILITY PROMISED BY USAA THAT IS EXTENDED TO ABLE BOBY MEMBERS MY CIVIL RIGHTS ARE DENIED AGAINST MY XXXX** XXXX ELDERLY VUNERABLE AMERICANS ARE TARGETED WITH ** NO PROTECTION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) 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 an 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 non-monetary relief
Consumer complaint received 2021-10-01
Company: DCN Holdings Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This collector verbally and via writing threatened to call the medical board to investigate my XXXX XXXX  because of an unpaid debt. The email sent by the collector is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX incorrectly denied me a HAMP Tier XXXX loan modification stating that I did not meet the post-modification DTI requirements. XXXX misinterpreted the XXXX XXXX guidelines. Upon dispute of the erroneous income & debt input figures used in XXXX 's calculation, XXXX did not correct their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: ALLY FINANCIAL INC.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been making my payments on time and always communicated with Ally Financial in regards to the loan on my vehicle. I have noticed over the past few months finance charges are extremely high, approximately XXXX % of my total payment. When I confronted Ally they told me that I have a window I need to make the payment to reduce these fees. They cant not clearly explain the window, nor do they show the interest fees up front. Keep in mind, My payments are made on time, on or before the due date. Also, My account shows I have XXXX payments remaining but there is no accuracy to this because they keep charging me so much in interest. Also, the according their website, the outstanding balance is XXXX but it shows me as only having XXXX payments left which is XXXX my payment is XXXX a month and nothing is making any sense. They made no sense when explaining what is going on, and I feel like they are taking advantage of me. I need help, I need clear definition of what I owe and when ( specific dates ) payments need to be made to reduce these extremely unreasonable financing charges. My payments are on time. They claim to post the statement for the month 9-10 days before the due date. So even if I make the payment in that 9-10 days before the due date the interest rate goes up if I make the payment 30 days after the last payment even if all the payments are on time. This doesnt seem legal, please help!! I am a poor boy from West Virginia and I really cant afford a lawyer. they are charging me {$130.00} in financing charges on a {$350.00} monthly payment. So only XXXX went toward the actual balance meaning I would have to make XXXX more payments reach my total balance provided they continue to do my dirty like this. As I said before, the website shows me as owing XXXX more payments. Please help

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 2022-11-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Experian several times in regards to these hard inquiries on my credit report that I did not authorize. Spoke with a rep by phone and they stated it would take XXXX for file to update and they will be removed well they have not been removed thats why I am contacting CFPB to file a complaint. 
Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once they have removed these inquires I would like to get a copy of a updated report reflecting the change.

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 2015-07-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have insisted that this account belonged to my mom. And I never signed any agreement to add me as a co-signer I keep requesting copy of the note or loan agreement and XXXX XXXX will not answer me. So when I dispute it the credit agency does not even investigate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Well Fargo is sending me false statements, and harassing phone calls. 

1 ) I have a VA loan which clearly says that my monthly payments to mortgage ( XXXX ) are not late until after the XXXX day of each month. However on XXXX XXXX Wells Fargo sent letter saying ( without any specifics or or itemizations ) I was " seriously '' delinquent and over due and threatening foreclosure, but the facts are my monthly mortgage principle/interest ( XXXX ) was set by the VA loan administration and was paid in accordance with the Va guideline before the XXXX of the month. Please reference mortgage check # XXXX for XXXX cashed by Wells Fargo on the XXXX of the month and escrow check # XXXX cashed by Wells Fargo on the XXXX in the amount of XXXX. 

2 ) In addition to sending me false letters saying I am delinquent and threating foreclosure, without any itemized facts, Wells is calling me daily, and when I pick up the phone they hang up, or if I do n't pick up they leave ambiguous message like " calling about the mortgage '' or leave no message at all. additionally the " about the mortgage '' statement, that is not enough information to return a call. I am being harassed with frivolous phone calls, or rude hangs by Wells Fargo.

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 2022-11-23
Company: Experian Information Solutions Inc.
State: NC
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-23
Company: EQUIFAX, INC.
State: PA
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 XXXXXXXX XXXX account is being shown late XX/XX/XXXX and XX/XX/XXXX. This information is innacurate and untrue. I have asked for several investigations to be conducted all of which were ignored. I have the right to privacy and this information is being shared without my permission. At some point I will have to take legal action if it is not removed immediately. 

XXXX XXXX Remove these late payments immediately. This information is hurting my future and I will sue for every infraction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, and XXXX XXXX have 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 an 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 2019-12-06
Company: EQUIFAX, 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:
Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on the XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
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:
Loancare of XXXX XXXX VA reported I had a 3 month long mortgage with them. I asked for documents proving this, as I had never had one with them. They did not respond and instead left 2 " dings : on my credit report.

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 2016-09-16
Company: WELLS FARGO & COMPANY
State: IA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/15, I submitted a complaint with the Consumer Financial Protection Bureau ( reference case number XXXX ) regarding Wells Fargo Bank. On XXXX/XXXX/15, Wells Fargo Bank responded with written correspondence, admitted to and apologized for their errors, and stated I was not liable for any debt AND they would remove my name from the Wells Fargo Business Platinum Card ( under XXXX ) account ending in XXXX and the Wells Fargo line of credit account ending in XXXX ( Wells Fargo Reference number XXXX ). 

As of today, the Wells Fargo Business Platinum XXXX account ending in XXXX continues to show up on my bank account as still open with a {$12000.00} outstanding balance. 

I have worked with my local banker manager, XXXX XXXX for the past year to resolve this matter ; however, XXXX and I have not been successful thus far. 

I will attach the letters from Wells Fargo along with a snapshot of my bank account which shows the Wells Fargo Business Platinum Card account ending in XXXX as still open, and my email correspondence with 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 non-monetary relief
Consumer complaint received 2016-03-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Wells Fargo has been harassing me for the last 10 years about one of their customers who used to have my phone #. I 've researched their customer and given the WF agents a plethora of info every time they have called me and asked that my # be removed from their database. 
Each time ( 1 call a week for the last 10 years ) the agent says they remove my # but they dont because they keep calling. This is unacceptable behavior

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 2022-11-23
Company: CITIBANK, N.A.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This complaint is against CITIBANK ONLINE banking services. I have an Accelerated Savings ACCOUNT with CITIBANK ONLINE. Since XX/XX/2022 I have been trying to get my {$100000.00} out of the CitiBank, and close the account. I have spoken to at least 10 CITIBANK employees, all of whom are in the XXXX and all of them gave me wrong information. I opened a CITI checking account SPECIFICALLY to transfer my money to my XXXX XXXX XXXX ACCOUNT, via XXXX. I did everything they told me. XXXX transfer limit is {$25000.00} : how am I going to transfer {$100000.00}, {$2500.00} at a time. The telephone employees told me I would receive checks and an ATM CARD : I never received any checks or ATM. For 2 months, I called CITIBANK every week. I CALLED several times, getting different information every time, but they would not offer me any other way to get my money wired. 
Finally on XX/XX/2022, I was able to wire {$50000.00} from my CITIBANK ACCELERATED SAVINGS account to my XXXX XXXX XXXX checking account. 
Then on XX/XX/2022 I submitted a wire request for {$50000.00}. 
It is XX/XX/2022, and I received an email from CITIBANK stating : Your wire transfer is on hold Please call us to verify your information. 
Hi, XXXX. We previously tried to contact you about some information we need to complete the following wire transfer from your SAVINGS account. Since we were unable to reach you, it's currently on hold- please call us as soon as possible at XXXX. For TTY : Use XXXX or other XXXX XXXX. If we don't hear from you by XX/XX/2022, we will have to cancel this transfer. 
Wire Transfer Details Amount XXXXXXXX XXXX  XXXX XXXXXXXX XXXX  Date XX/XX/2022 Transfer Type Domestic I called CITIBANK ONLINE 3 times : no one could tell me what information is needed. So there is nothing more I can do, except wait. They state in this email that they will cancel this wire transfer if I dont contact them today. I did contact them. No one knew anything about more information they needed for the wire transfer to go through. So, again, I can not access my money. This is fraudulent. Every Citibank employee misinformed me. I got NO ACCURATE, HONEST NOR COMPLETE resolution.

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 2021-10-01
Company: AMERICAN EXPRESS COMPANY
State: OK
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:
XXXX XXXX XXXX ( XXXX ) To : you Details XXXX XXXX Case : XXXX This e-mail sent-to : ( XXXX ), You have a pending charge on your account, kindly confirm your login credentials and card security codes to access your account online. Login after the verification process to ensure all your transactions are accurate. 

Confirm Credentials XXXX XXXX All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Please review. 

All rights reserved. Copyright 2021 American Express. 

Privacy Policy Terms & Conditions Support Account Subscribe

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Comenity- Ann Taylor Credit Card -- Card balance was paid in full directly on the providers website, they then applied a credit charge that was not billed in the next cycle and was applied to a XXXX balance. I have emailed the company multiple times and they are kicking me back and forth between departments and not resolving the issue. They have now applied late charges and it is impacting my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: MD
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an 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 2017-02-23
Company: Guglielmo and Associates
State: NM
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt collection company just went into my bank account and garnished all of my wages from my account and left me at XXXX balance. I called the company to work something out and they denied and stated their is nothing they can do. I know I owe the debt and I am willing to work out a payment arrangement to get the account paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have been having serious problems receiving annual credit report from Experian Credit Agency, XXXX XXXX, XXXX, Texas XXXX through the United States Postal Service. I applied for my credit report numerous times by telephone. I absolutely requested for Experian not to send my file over the internet due to identity theft issues as well as my computer being hacked. I would like to have my Experian Credit File sent immediately by mail only. Due to inaccuracies on my reports. Most importantly due to Experian deleting a good standing trade line that was not due for deletion. The trade line was with XXXX XXXX XXXX XXXX account number XXXX on XXXX XXXX, XXXX the good standing trade line was deleted without a dispute from the consumer through a portal administered by XXXX. The good standing trade line was not due to deletion until XXXX XXXX. This is against my fair credit rights and needs to be thoroughly investigated. I have never been married or jointed my credit file with a spouse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief