BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This request requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you with this item. 
XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Meridian Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The person from the agency has a XXXX. It is impossible to understand her. I asked to speak with someone else and she refused. She was hateful and abusive. Told me I had to pay money I did not owe and her outrageous collection fee. Very unprofessional and demeaning.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Ace cash express sent me email correspondence stating my payment would be withdrawn from my account on XXXX/XXXX/15. On XXXX/XXXX/2015 I received an email confirmation stating my payment was withdrawn from my account, causing my account to overdraft. When I filled out my application I advised the dates I get paid through my employer. I have sent Ace an email expressing their error and demanding a refund of the payment, plus fees associated with the overdraft. This company advertises that they are there to help those in need when in fact, they have cause me personally more financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: BARCLAYS BANK DELAWARE
State: GA
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:
This is the SECOND time have had to make a complaint about this unscrupulous company. Earlier this year I complained about their serriptious changing of my reward plan from XXXX on all purchases. This company submitted the XXXX reward program which I will quote : You earn XXXX points for every {$1.00} spent on bookings made at XXXX when paid with your XXXXXXXX XXXX XXXX  Visa Card. Last Friday I purchased an airline ticket on my XXXX XXXX Visa card for {$150.00} o the XXXX website. This entitled me to XXXX reward point. After take a full week to post my transaction ( it usually takes XXXX days ) my transaction was dated a week ago. Just a bit of trickery that this company engages in regularly. I contacted " Customer Service '' and they told me this bit of tomfoolery " Upon review, our records indicate that your transaction on XX/XX/2022 in the amount of XXXX was processed directly from XXXX. This is the reason it did not qualify to earn XXXX points per {$1.00}. '' I gave them the itinerary number and this counted for nothing. 
I wonder if the government will ever hold companies like this to account the way they hold their customers to XXXX  standards. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX not mine STATE OF MI OFFI CHI XXXX not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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:
In 2016 my father suffered a XXXX XXXX and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts. All accounts are listed in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
One hour before closing Wells Fargo asked for copies of two checks. I told them everything was pack and we were waiting for the final numbers. They replied we are increasing your mortgage by {$10000.00} since I could not get the two checks If would have said no I would be out of contract and would loose my down payment They had 2 months and one before closing the under writer wanted copies. I feel they did it to up the mortgage and closing cost

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 2023-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Durring the week of XX/XX/XXXX my girlfriend, and roomate, was being scammed and money was being sent out of her account to me and a freind of her via XXXX. The scammer acted as a XXXX employee, send the fraud text with a link for her to contact ( she had 2 texts, one was real fraud text, the other was from the scammer, she had a 50/50 shot of choosing the correct link ). So over the next 3 days she believed she was in contact with whom we though was a XXXX fraud represetative. After 3 days, and about XXXX was stolen we realized he was not. He was scheduling XXXX payments to me and another and would call her saying that he had '' unlocked the account and to have your friends send you the money back '' so I obliged. Going through the XXXX process of inputting her number as I always do, her name appearing before confirming and sending. Well once the transaction was made it was to the scammer XXXX XXXX, who we do not know or have this persons number. As she gave him all her info he was able to update the routing number to deposit XXXX into his bank. 

Through my account about {$7500.00} was transfered in and out of it. I lost nor gained money from these transactions as I was sending them right back. My account was locked and I contacted Captial One on XX/XX/XXXX to open a fraud case with them ( ticket number XXXX ) and my girlfriend had a claim with XXXX ( ticket number XXXX ) and all was well. My account was unlocked and I had no issues, or odd activity on my accountsss. Well on XX/XX/XXXX I had a note in my Capital One App to contact them so I did. In this time they continued to question me and the charges even though a case was opened up with multiple banks regarding the events of XX/XX/XXXX. After a brief hold I was told I was under investigation, my accounts were frozed until further notice, and that I would never be able to bank with them again. They have offered 0 communication and screen my calls sending me to leave a voicemail keeping me completly in the dark. My accounts had a total of {$32000.00} before interest payments and I expect every cent of that back as I am not the scammer, nor was I involved with the scam as I did not have any additional funds in my account post scam, or do I have any other bank accounts with the amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The net credit company is charging 35 % interest and called to make partial payments in the pandemic, they are not considering the partial payments and they are constantly charging my account without my knowledge, ... .they charge my card 4 to 5 times..partially in the same month and saying this is the meaning of the partial payment ... ..35 % interest rate is too high lending limit ... ... i am unable to make my monthly paymnet, i need a hardship to waive my monthly paymnets for months atleast ... they are harassing me by directly charging to my bank account ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: TN
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:
The credit bureaus deleted XXXX XXXX XXXX XXXX Account then allowed the to but a charge off back on my account that was XXXX   balanced that should have never been there the first place. 

XXXX XXXX has not reported a XXXX balance account with XXXX XXXX and XXXX   will not delete the account. The account has not been updated in 5 years and should not have been on there in the first place. 
In addition, I have disputed inquiries by mail with XXXX and they have not updated in 60 days. XXXX  in particular is not following the law in regards to XXXX XXXX who can not verify a bankruptcy for me in the XXXX District of Kentucky and continues to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The credit bureaus deleted XXXX XXXX XXXX XXXX Account then allowed the to but a charge off back on my account that was XXXX   balanced that should have never been there the first place. 

XXXX XXXX has not reported a XXXX balance account with XXXX XXXX and XXXX   will not delete the account. The account has not been updated in 5 years and should not have been on there in the first place. 
In addition, I have disputed inquiries by mail with XXXX and they have not updated in 60 days. XXXX  in particular is not following the law in regards to XXXX XXXX who can not verify a bankruptcy for me in the XXXX District of Kentucky and continues to ruin my credit.

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 2017-03-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a victim of False Impersonation, and I am one of the agents for the company XXXX. Someone how several fraudulent accounts that appeared on my personal credit ended up on the company credit report as well as my personal home address. 
I have sent in a copy of my personal police report 3 times advising Equifax that the accounts were fraudulent and should not have appeared on the company credit report or my home address ... I was told my address and the account were removed in XX/XX/2014 to date, the same accounts are still present- nothing has been removed. 

I am requesting account numbers XXXX XXXX and XXXX be removed as well as address XXXX, XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: NAVY FEDERAL CREDIT UNION
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:
Funds wasn report as a fraudulent transaction based on a contract that was breached and initially reversed back to my account. Several days later even after providing proof of claim the bank sent my funds back to the woman that fraudulently scammed the money from me. A police report was made as well as complaint filed with the FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: IL
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2015-12-03
Company: Gitsit Solutions, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
After a mishap by my Property Insurance Agent who mistakenly did not report to my lender a copy of a valid Insurance binder as proof of my home owner 's insurance coverage, a force placed insurance was applied to my mortgage loan. The forced placed caused an escrow shortage which the servicer attempted to cure by increasing my monthly mortgage payment amount. This new mortgage payment amount proved to be a hardship to me which caused me to fall behind on my mortgage payments. After some months of trying to request a correction of the error. I was offer a Forbearance Plan by Kondaur Capital Corporation. However, in their effort to assist they made a fatal error that may cause me to lose my home. Attached is the letter written and dated XXXX XXXX, 2014 offering the Forbearance Agreement and the executed Forbearance Agreement. The problem is that the agreement directed for the commencement of the agreement initial payment to be paid by XXXX XXXX, 2014. This was a fatal flaw in the agreement. It provided only two ( 2 ) days. The letter was not received by the borrower thru the XXXX mail until the XXXX of XXXX, 2014. Nevertheless, the Borrower XXXX XXXX signed the agreement and mailed all XXXX of the required payments dated XXXX XXXX, 2014 to Kondaur Capital Corporation in advance in good faith ( proof is attached ). The Borrower subsequently received notice from Kondaur Capital Corporation that the Forbearance Agreement was cancelled because she paid the amount due after the required date of XXXX XXXX, 2014 as per the agreement. Months and months of trying to get someone at Kondaur Capital Corporation to acknowledge and correct their error went unanswered. To further exasperate this matter, Kondaur Capital Corportion refused to return the XXXX XXXX XXXX XXXX payments. Kondaur has since refued to work with me to correct their error and began foreclosure proceedings. To make matters worst, they transferred my the servicing and rights to my mortgage to XXXX XXXX XXXX XXXX in XXXX Florida. This new entity will not negotiate with me, will not cooperate to bring my mortgage current. In fact, XXXX XXXX XXXX XXXX is a XXXX real estate investment company whos objective is to accertain non-performing loans in the hopes of foreclosing on dismayed homeowners and reselling their homes at a higher profit. They make no bones about what they are doing. When you call their office at XXXX, they answer the phone inquiring " what property are you interested in purchasing and would you like a showing ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CCO Mortgage - Citizens Bank collections department has been calling me XXXX times a day for the last week. My account is up to date, and I have never been late on a payment since the loan originated. After talking to XXXX people, I found out that they implemented a new policy to call their customers if payment is not made by XX/XX/XXXX - even though the grace period to make a payment is until XX/XX/XXXX. Payments received after XX/XX/XXXX are considered late and will incur a late fee. There is no way to stop these phone calls unless I do a " cease and desist ' letter. My account is in good standing. They have no right to contact me over and over again for payment when I am well within my grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I terminated my contract with XXXX in XXXX 2013 in my belief that they violated the contract terms. I received a final invoice that included {$100.00} early termination fee. I formally disputed the {$100.00} and sent a check for {$78.00} with a letter outlining the reasons for my dispute. I specifically requested through this letter that should XXXX disagree with my reasoning to contact me by mail and we could work through the dispute. I heard nothing for over a year, and because the check for {$78.00} cleared my account, my assumption was there was no dispute by XXXX. XXXX weeks ago a XXXX salesperson came to my door trying to regain my business. He somewhat convinced me that the XXXX internal culture was changing for the positive, with an improved consumer focus. I started taking steps forward toward reattaining their service based on this representation. When I provided my SSN, the salesperson came back and told me I owed {$100.00}, and that management would not move forward. There were XXXX prongs to my reason for terminating - the local XXXX focused on XXXX, which I disagree with. The same day I was informed of this, I started to receive numerous calls from XXXX collection agency. I have received a letter from the agency as well. I attempted to work towards resolution with this company through their salesperson, but it appears that a local decision was made to hold their ground regarding the {$100.00}. As it was communicated to me the attitude of decision-makers appears to be as arbitrary and spiteful. The local XXXX group appeared to form their opinion, and took immediate negative action against me through the Collection Agency over one year without providing me the benefit of responding to my written letter of a year prior, and leaving me with the impression through their silence, and cleared personal check that no dispute existed. These tactics are clearly unprofessional in my view, and I appreciate if you could assist with having collection ceased with no affect to my credit record. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
XXXX XXXX has a program titled " XXXX XXXX XXXX '' that allows XXXX to purchase an XXXX that is financed through Citizens One bank. After 12 months you have the option to trade the phone in for a newer model. This program also includes XXXX protection. Citizens One requires a credit card and sets up for automatic loan payments. 
I purchased an XXXX through this program in XXXX, 2015 and decided to upgrade the phone. I have not missed a single payment to Citizens One nor have I made a late payment. However, Citizens One runs a credit check and declines to finance me. This effectively means that I ca n't take advantage of the benefits of this upgrade program. My credit status has not changed since Citizens One approved the original loan. I believe this an intentional maneuver on the part of Citizens One to increase their profits by forcing me to stay locked into the loan for this phone. This is a deceptive practice and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2020 I filed a dispute with XXXX & EQUIFAX regarding a collection account listed as XXXX XXXX. The account was sold to another company called XXXX XXXX XXXX  XXXX. This account was paid in full - as noted by the letter I received from XXXX XXXX, and should NOT be still listed as a collection account. 

XXXX sent me the results of their investigation dated XX/XX/XXXX, XXXX in which they indicated that the account was removed from my credit file. As of XX/XX/2020 the account is STILL showing up as a collection account. This is a violation of the Fair Credit Reporting Act and should not be tolerated by this credit reporting agency. 

XXXX  needs to honor their statement in the investigation results they sent me and REMOVE this account from collections IMMEDIATELY!! 

I've spoken to several people by phone who only files more disputes, which is totally and absolutely incompetent and wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Trident Asset Management, L.L.C.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company called Trident Asset Management contacted me to collect a debt on behalf of XXXX. They informed me that I owed {$190.00}, they gave me a reference number to use on their website, and informed me that I had to pay it on their website, Tridentasset.com. Before paying, I called XXXX to verify that this was accurate. Not only was it NOT accurate, they had never heard of Trident Asset Management and the account had NOT been turned over to them. This Trident Asset Management company also shows up on my credit report as owing them a debt. It is adversely effecting my credit score and I need it removed immediately. Do not pay these people, and be sure to do your due diligence.

Company response to consumer: Closed with non-monetary relief