BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-23
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
X/XX/17- I called the ( XXXX ) XXXX number to which it was answered " XXXX XXXX. '' I advised I was calling back to find out about a debt. I spoke with a male ( dont recall him identifying himself by name ). Advised him that I was calling about my debt and wanted to make arrangements. He asked how much I could pay and I said I could pay {$100.00} today and at least {$100.00} a month. Naturally, I advised I would pay more if I could- which I did NOT expect him to take my word for it, but wanted to mention it because I DO want to clear up my debt. He commented " that 's not how it works '' and put me on hold. He said they would not authorize that small of a payment and lectured me on fees and interest. I asked what they would accept and he said {$190.00} and some change with the first payment being in XX/XX/XXXX etc. I asked for it in WRITING and advised I would pay by mail to which he became very unprofessional and said that was not possible. I told him I wanted to make payments but I would not allow them access to my bank account for automatic payments as I 've had a bad experience with this in the past. He refused to send anything by mail- I have NOT received ANYTHING from Practice Financial by mail at all. I can not even find what appears to be the correct company on the internet. I called back and asked for a supervisor who was XXXX ( long last name that I could n't understand ) explained the situation and how unprofessional the first man was and he became just as unprofessional and rude. Again, would not allow by mail payments and questioned my debt paying practices and why I would get this loan if I ca n't pay it etc. I do n't appreciate being badgered. I have worked with the public since I was XXXX and I can not imagine talking to someone the way they talked to me- I was in tears by the end of the phone call. He kept mentioning that if we end the call, the company would litigate against me ... but would not accept my payments by mail ... therefore he was REFUSING to take money to pay on the debt and would not make any options for me to resume paying down my debt and taking care of it. By telling me " if we end this call, we will litigate against you '' I felt I had to stay on the phone and continue being harassed, humiliated, belittled and badgered and I finally could not take the abuse anymore- I ended the call with " See you in court. '' I have EVERY intention of repaying this debt- unfortunately circumstances did prevent me from taking care of it and allowing it to get this far. Everyone has a story, so I 'll save mine. But if I ca n't work with them, how can I repay? Abuse is not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am getting charged every month for windstorm or hail ( as other insurance ) of {$59.00}. After the inquiry I had with my insurance, they cover my windstorm or hail under my home insurance. I am attaching the agreement I have from my insurance, please refer to page 8 under windstorm or hail for additional details. I will appreciate if you may review this matter, and waive the other insurance amount under my monthly mortgage payments Loan Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2022-04-30
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a fraud account. This account has been settled numerous times and sold to collection agencies. I've never had a XXXX account and the address isn't even mine its my daughter 's

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I am filing this complaint on behalf of my sister who at the time was on XXXX due to XXXX and XXXX. Her Social Security check ( which is her only income ) is automatically deposited into her checking account at the Wells Fargo bank in XXXX, SC. In XXXX 2015 someone at that branch came to her and offered her a credit card with no interest for 24 months if she would open a savings account and and have the bank automatically draft {$25.00} from her checking account each month. The outrageous part of this deal is that they opened the Visa card with a credit limit of {$4000.00}!!!! Now mind you, they came to her, she did not ask for a credit card. At that time her monthly Social Security check was approximately {$1100.00}. She barely has enough money to pay her rent of $ XXXX, car insurance, utilities, groceries, medicine, healthcare, gas, and misc expenses. In her XXXX this was a good thing which of course was NOT! You can image the rest of the story ... .. I make sure all of her bills are paid every month and she HAD fairly good credit, but I did not know about the credit card. Well, she has managed to charge well over the {$4000.00} credit limit and the {$50.00} /month she has been paying on it will never get it paid off. I agree that she used very poor judgement in charging this huge amount but I hold Wells Fargo for even worse judgement in issuing a credit card to someone with such limited resources! That credit card was like giving drugs to and addict or alcohol to an alcoholic. Now the bank is coming after her and asking for minimum payments of {$1000.00} or more which of course is a joke. 
Please look into this matter in light of all the underhanded things that Wells Fargo has done to their customers. Taking advantage of someone like my sister is reprehensible and Wells Fargo should assume some responsibility for this egregious act. 
The most important thing is that I do n't want her checking account to be compromised in any way because now her credit is ruined because of her debt to earning ratio and I do n't think she would not be able to open another checking account anywhere. I try to help her to live independently and it has worked so far until this dang credit card was issued to her. IT SHOULD HAVE NEVER BEEN OFFERED OR ISSUED TO HER WITH HER INCOME LEVEL! We live in different states but thanks to online banking I make sure her bills are paid. 
Please help us.

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 2021-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
1.I have a Capital One Venture Card. I have never made a late payment in my 20+ years as a customer. 
2. I have set up through my bank to have the same amount electronically remitted to Capital One each month, on the same day ( ie. every 30 days ), to more than cover any minimum payment that may be due on the card for a month 's transactions. There is no dispute that my payments more than cover the minimum payments required by Capital One. To my knowledge there has never been an issue with the timing of these payments, relative to the Capital One billing period in the past. 
3. Recently, Capital One received my payment due XXXX, XXXX on XX/XX/XXXX. My XXXX payment, which my statement said was due on XX/XX/XXXX, was sent by the bank on XX/XX/XXXX, one day before the end of what Capital one claims to be their billing cycle. 
4. Because the automatic payment from the bank was sent one day early ( because of an upcoming weekend ), Capital One claims I made no payment for XXXX at all. To punish me for this they have : *Locked my card indefinitely *Charged me a late fee *Reported me to credit agencies as a delinquent customer 5. Capital One refuses to remedy this error. Capital One claims that unless I make a payment directly to them, by allowing them access to withdraw funds directly from my bank account, they can and will continue to suspend my ability to use the account indefinitely. 
6. The bank from which I make my payments has verified to them that funds for the Capital One bill due on XX/XX/XXXX have been removed from my banking account and have been transferred to Capital One as of XX/XX/XXXX. They also verify that according to their records, no payment has been missed in the history of electronic payments made by the bank to Capital One. 
7. As of XX/XX/XXXX, Capital One themselves show that the funds have been received, but continue to tell me that the card is frozen indefinitely for non payment. They insist that it " takes a few days '' to process the payment, and therefore they will not release the card for an indefinite period of time, and refuse to give me a date when that might occur and when the errors will be corrected and my good credit history etc restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: I.C. System, Inc.
State: UT
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:
A debt collection company, I C Systems Inc., is reporting 33+- collection accounts on my credit reports. I have disputed them with the credit agencies. I C Systems removed some of the reports but has not removed the XXXX.
I called I C Systems and requested proof of the debt from them. They told me I needed to request the information via mail. On XXXX XXXX 2017 I sent a letter requesting the proof of debt to I C Systems. I have followed up with I C Systems multiple times and have received no response from them. I have not received the proof of debt and do not believe it is my debt. I am asking you to please contact them on my behalf and have them either send the requested proof or remove the information from my credit reports. It has been more than 60 days since I requested the information. Their lack of response should be enough to have the information removed from my report. I have attached with this complaint copies of my credit report showing the wrong entries as well as my letter to them. I have redacted any personal information. 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 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-14
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-06-15
Company: Lending Club Corp
State: NJ
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 this accounts that does not belong to me and i want them to be remove from the 3 credit reporting agencies : XXXX  1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft LENDCLUBBK Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: PNC Bank N.A.
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
My husband and I had what we thought was a home equity line of credit on our home but found out that is was a loan that matured at then end of so many years and the total amount of the loan would be due. The loan was with PNC bank, the approximate amount of {$82000.00} and was due XX/XX/2017, we started working with PNC in XX/XX/XXXX to get this loan converted into a regular second mortgage loan. After speaking with numerous people we finally receive a call from a representative that sent us a package to complete and return. Weeks after PNC received the information they finally contacted us needing more information. I would call the representative that was suppose to be our contact person and leave messages regarding the loan and would rarely get a phone call back if one at all. I can not count the times I left messages and no call back. Once we did hear from her we were told that our debt income ratio would not support the loan. We were told to supply them with more information regarding our income and we did so. There again I was trying to get in touch with her because I knew the loan was coming due and there again no call back. I finally had to email someone at the branch to get our representative to contact me. Again, we were told they could not help us with the loan, even after they have had the loan for years and could look back and see how we paid each and every month with not a late payment at all. We then went with another bank supplied all information they needed and toward the end of the process with no problem. But when the mature date came due ( XX/XX/2017 ) and the total {$82000.00} was not paid in full PNC hit our credit with a late payment which dropped both our credit scores by XXXX points and I am sure we will get another hit for XX/XX/XXXX. Because of this, drop in our credit score, our new bank has put a halt on the loan. Therefore, PNC will not grant us the loan and they are preventing us from getting it with any other bank. We just need for PNC to remove the late payment so our credit score will go back to normal and we can get the loan and pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: MoneyLion Inc.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
A few months ago I took out a {$500.00} XXXX XXXX MoneyLion loan. Upon taking out the loan they only advanced me {$120.00} of the alleged {$500.00} loan, and stuck the other {$370.00} into an " escrow '' account that I can not withdraw from until my loan was paid off. Last Thursday XX/XX/2019 ; I paid off the entire balance using my debit card ending in XXXX for {$380.00} at XXXX CST. According to the terms of the payoff, if you use your debit card, the funds from your escrow will be immediately available in your MoneyLion checking account. 
Well, my funds were not. I contacted the company now 3 different times and have been told a plethora of different reasons. I heard from the first call that the issue was on " MoneyLion 's side '' and that they would have to submit a ticket to the engineering team. On the second call on XX/XX/2019 ; I was told that it was submitted and I would get my funds. Today I checked my account and there is no money and the escrow account is still showing my balance of {$370.00} which is MY MONEY. 
Today I have asked for a supervisor several times as I did on prior calls and was refused the supervisor. I am instead placed on hold exceeding 30+ minutes straight until my life makes me hang up due to an onslaught of frustration.

This is FRAUD. MoneyLion has no contractual ability to hold my funds and yet they are not responding to requests to give me my money back. I want the feds to investigate them. A simple XXXX search shows a multi-million dollar class action against them for fraud and theft. 
They should not be able to operate in this country period!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: FL
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:
This is a complaint against XXXX  XXXX  XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a chapter XXXX bankruptcy in XXXX of 2015 which was switched over to a chapter XXXX in XXXX of 2015, that same year. The chapter XXXX bankruptcy still shows on my credit report as dismissed while the chapter XXXX has been discharged for a year now. So i have XXXX bankruptcies on my credit report when i have only filed the one. It is hurting my ability to recieve any type of loan or anything of that sort.

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 2021-06-15
Company: PLAZA HOME MORTGAGE, INC.
State: MT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My account has been under review for loan modification since XX/XX/2021. It has been more than 2 months already and I keep on calling to check what is the status of my application and every time I call they say its still under review but it should not take longer than the promised 30 day period. My lender is not helping me save my house but giving me delaying tactics until it reaches my sales date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called my phone repeatedly, and right after called my MOTHERS PERSONAL CELL PHONE. And my ex boyfriends PERSONAL CELL PHONE. They were both right next to me and It was the exact same number calling and neither one of them are my spouse. UNFAIR ACTS.

Company response to consumer: Closed with explanation