BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-31
Company: Alliance One, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
AllianceOne continues to contacted me XXXX consecutive times during work hours and told them to contact me after XXXX MST for a XXXX XXXX credit card for {$330.00}. AllianceOne have failed to protect my rights so I am requesting them to cease and desist since they are in current violation of my consumer rights. 

Debt Collector Information : Alliance One ( Representative : XXXX ) XXXXXXXXAllianceOne Receivables Management, Inc. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: KEYCORP
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: Account status incorrect

Complaint:
Key Bank is reporting an erroneous debt on my credit file that I do not owe. This debt is really old. Not only is it past the statute of limitations but it is also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: CA
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 complaint is more about what didn't happen as opposed to what happened. The bottom line is I have been disputing with the credit bureaus since XXXX and I have received no response. I know the corona virus is real but common folks. There is no way it should take 4 months to respond to me. My credit has a bunch of stuff that shouldn't be there and with credit lending real strict now a days it is affecting me greatly. If I have to, I will sue the credit bureaus. They need to fix this now and I don't want to wait another 4 months for them to investigate and send me something in the mail.

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 2015-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
Capitalone- I have a capital one quicksilver card.. It was issued to me with the promotion of no apr for one year and a credit limit of {$3000.00}. After the year my apr was supposed to start as 12.99-15.99 % based on credit worthiness. During my intro year I was happy that my credit limit was doubled. It was doubled to {$6000.00} because of my good payment history and good credit worthiness .... I used my card a lot after this increase l, feeling as though I was developing a good relationship with capital one and my new card. My apr kicked in this month while I have a balance of over {$4900.00} ... I was surprised my apr is 22.99, higher thanI have ever had on a card. It feels as though I have been tricked into this debt with this incredibly high apr. I 've never missed a payment and my credit is strong. It 's bad business on capitalones part, and they will do nothing. So here I am..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX i filed disputed with the credit bureaus im not why i have yet to received. please help me with this matter.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Had home sold but would not accept terms and went into foreclosure

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 2016-02-25
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX Re : Original Account No. : XXXX Original Creditor : Great Plains XXXX 
Reference Number : XXXX XXXX XXXX XXXX has threatening me with criminal charges if I do not immediately pay on this debt. They have called multiple family members from unknown and blocked numbers stating that I have " serious legal matter '' and to contact them immediately. When I returned the phone call I was told that they would be filing criminal charges for check fraud, up to 2 years in jail. They have also represented themselves as process servers and employees of XXXX XXXX where I live. They asked for a debit card number over the phone and no options for a more secure form of payment or guarantee that I am paying a debt they actually hold in their office that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After reviewing my transunion credit report I noticed a t ax Lien Docket #   XXXX . I immediately contact  XXXX  County court at  XXXX  I spoke to a court clerk that informed me that they do n't report to any credit bureau. I then disputed this information with transunion as they 're reporting inaccurate information and they responded with a letter dated  XXXX / XXXX / 2017  th at the information was verified as accurate. I called transunion and requested that transunion provide me with the method of verification and they refused to provide me with that information. Under FCRA, sec 611 ( a ) ( 6 ) and ( 7 ) I have the right to request the method of verification from the credit bureau.

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 2017-02-05
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
In XXXX, I had some XXXX work done on time payment and was forwarded a credit card right away from a company called Care Credit to make my payments. Everything was fine for awhile until I started receiving notices and robo telephone calls from Care Credit staff stating my payments were late even though I made my payment through the mail and sometimes on line, If I though I 'd might be late by mail. Sometimes Care Credit would bill me and others times I would not receive a bill. When I inquired as to what happened to my statements for payment, Care credit mentioned that they had sent me an email ( who would sent a bill to a consumer via email and not notified the consumer? Now, they are trying to make me pay late fees and have gone up on my premiums without proper notification. I have notified Care credit that I can not access their computer systems anymore to pay my bills, but that does not seem to fazethem. Meanwhile, I continued to make the same payments I had agreed upon in my original papers ( which is {$160.00} and late fees if I am ever late but this is not enough for Care Credit. I have all of my paid receipts and all correspondence received from Care Credit from XXXX through XXXX, and will be appreciative if you can assist me in any way that you can. Incidentially, a class action suit was filed against Care Credit/GE Capital Retail Bank/now called Synchrony Bank in the U.S. XXXX XXXX for XXXX XXXX XXXX XXXX XXXX California and the final hearing was on XXXX XXXX, XXXX. In reading the transcript ( which is online ), the defendants won this suit for XXXX XXXX dollars and maybe more. Any legal services you can recommend to me will be appreciated. I do need to mentioned to you that I am a retired senior and also a XXXX student, and I need to clean up this matter as soon as possible so I can go on with my education.

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 2020-08-10
Company: BANK OF THE WEST
State: AL
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:
I have an installment loan for a boat I purchased in XXXX. I sold the boat to another individual and therefore paid off the installment loan in full on Monday, XX/XX/XXXX. I called Bank of the West ( BOW ) that day to inquire on when I would receive the title and was told it would be mailed within 7 to 10 business days. I called the next week to inquire if it had been mailed and was told the lien was still not released yet. I called this bank probably 10 times so far since then ( each time waiting over 45 minutes to speak to someone ), I've escalated this issue to multiple managers/supervisors. Each time I call I am told something completely different and was straight lied to on multiple occasions being told " it will be mailed out today '' or " it's in processing and will go out tomorrow '' only to call back the next day and it still not be mailed. It is now XX/XX/XXXX and we have yet to receive the title for this boat that we sold over a month ago. I was even told to provide a XXXX  account number and they would overnight it to me, it was documented in the " work order '' and I have yet to receive any notification that the title has even been mailed out. This bank is NOT truthful to its customers and it's not following FDIC regulations regarding releasing titles after the lien is paid off in full.

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 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2015-06-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I went to my credit union ( XXXX XXXX ) to apply for a credit card and was denied, when we reviewed my file we found XXXX credit cards opened in my name 6 years ago while i was XXXX. I did not open them. We found a XXXX XXXX XXXX, a XXXX XXXX, a XXXX and a XXXX card all in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested verification of the amount this debt. They have repeatedly told me that they would get it right in the mail. At one point, we negotiated a settlement on the account, and I asked once again for verification of the debt, prior to sending a check. They never sent me the information. Evidently they are n't able to verify this information. In the beginning, I tried to get them to send a monthly statement of account and they refused. I called and tried to work with them to no avail and I do n't want to end up paying for debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: Flagstar Bank, N.A.
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I have two mortgage on my home. This is a email message that I got on XX/XX/XXXX. : " IT APPEARS THAT XXXX XXXX XXXX XXXX, FILED THE CLIENTS CURRENT MORTGAGE TWICE IN ERROR. BOTH LIENS ARE THE SAME EXACT AMOUNT AND FILED THE SAME DAY DOC NO. XXXX & DOC NO. XXXX '' I called my current mortgage company, Flagstar, and ask them to please take care of it. They told me that they do not take care of problems like this. So I called the to other mortgage companies that had my mortgage and they said I had to contact my current mortgage company. After a few weeks of working to found who is responsible, it was Flagstar. With the help of XXXX XXXX of XXXX XXXX, XXXX. I filled out a request to have one of the loans removed. Flagstar asked us to wait for two weeks to get the release. XXXX called Flagstar to fine out why they haven't sent the paperwork yet after two weeks and Flagstar told her they needed one of  they forms fill out before they could do anything! ( XX/XX/XXXX ) I was told I would get the release on the XXXX, XXXX or XXXX of XX/XX/XXXX.I call in each and every day to get the paperwork set to me. On the XXXX I was told that it had to go to XXXX XXXX   for it to be release. I ask for a supervisor so I could hopefully get some one to help me with getting the paperwork that I needed. They sent me to XXXX XXXX. He told me that he would look into it and have my paperwork by XX/XX/XXXX or he would give me a call. He didn't give me a call and I had no paperwork stating that one of the loans were closed. I called in on XX/XX/XXXX and XX/XX/XXXX for the paperwork. Now they are telling me that it is in the legal department and will stay there until they are done with it. For some reason they have alienated in helping me with this and I fill like Flagstar is discriminating against for only reasons they know. I need help in getting Flagstar to do their due diligence for their only client. Right now they are costing me money in time, interest and stress.

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 2020-08-10
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have an account with Paypal and the email address for the account is XXXX On XX/XX/2020, I was surprised that the company took an amount of {$1100.00} from my account, claiming that this amount was due to the damages I suffered from my violation of the use agreement, while there was no dispute between me and anyone who transferred money to my benefit.But Paypal seized the money claiming that I violated the usage agreement while he did not raise any dispute that was adjudicated against me until it is proven that I violated the usage agreement. 

PayPal will claim that my account follows the PayPal Pte facility. Ltd. is the owner of the stored value facility PayPal, and does not require approval from the XXXX XXXX XXXX XXXX. It is affiliated with Singaporean law and is not affiliated with PayPal, which is based in XXXX. 

This is very misleading and Paypal uses it for XXXX reasons : First : Paypal did not obtain a permit from the XXXX XXXX XXXX to operate and a screenshot attached to a letter from the XXXX XXXX XXXX XXXX stating that PayPal is not registered with them. 

Second : The main PayPal site, which we deal with and through which the funds were taken, is owned by Paypal, which is based in XXXX, in the state of California - and it is known that the headquarters of Paypal in the state of California, and then PayPal site is a partner in the process of seizing money Therefore, PayPal does not have a permit or is registered in XXXX according to the Singaporean Monetary Law, and what PayPal publishes on its official website is misleading for clients that legal action must be taken against it. 

Second : The PayPal website, which is the interface for dealing with clients, belongs to Paypal, whose headquarters are in XXXX, and is therefore subject to XXXX law The XXXX XXXX XXXX must stand up for PayPal for wrongdoing what it does against customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: TX
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:
negative accounts XXXX ( XXXX ) listed on my credit report that is negatively effected my credit score. I demand the account to be removed from my report due to statute of limitations. According to the FCRA, accounts passed statute of limitations must be removed from 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 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Thank you for taking the time to review the complaint. After the reviewing of all major credit reports, XXXX furnished an unfamiliar debt on credit profile. Understanding creditors are obligated to report paid and unpaid debt, however ; never established residency at XXXX XXXX XXXX. Requesting a full method of verification, which is under FCRA 623, will include the following ; signature of the lease agreement, unpaid amount, and how it was generated. Copies of identification along with social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: NY
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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-27
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've been in the PSLF program since XXXX, in XXXX I learned that I had several loans that didn't qualify. I consolidated those loans into one unsubsidized loan and one subsidized loan, since XXXX I've had those two consolidation loans and 5 direct loans. Last XXXX I did an employer certification and had updated payment counts of 107 on my five direct loans and a payment count of 69 on both consolidation loans. This month I received forgiveness on the two consolidation loans but at this point the five direct loans remain unforgiven. All the loans originated prior to my public service and all should have the same payment counts under the waiver. 

I emailed Fedloan but haven't received a response at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Have made numerous request and complaints to have a specific purchase corrected. Several months later the issue has fallen on deaf ears and is still outstanding. Purchase for {$1300.00} made on XX/XX/2020 is supposed to be on the 24 months no interest plan! I have been complaining ever since this purchase was processed incorrectly by Comenity Bank and Wayfair! This purchase was placed on a 24 months LOW APR plan, this is not what I selected! 

Immediately, enter a billing dispute for the above and place this purchase on the correct finance plan which is 24 months no interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I did an online application. I received 3 phone calls from loan depot saying to call them. They received my application. I called them back. The loan assistant verified some info and put me thru to the licensed loan officer. He said that he could not do a loan for me. " The system wont even give me pricing '' there is nothing for you '' cant get pricing. He said i have 78 % loan to value. I asked he how he got 78 % its much lower then that ( loan amount $ XXXX value $ XXXX. ) He said oh! Oh! Lets see, at a 59 ltv. On 30 year fixed would not lower your rate. I said well what would it be.. he said im thinking it would not make sense. I said, what would the rate be? He said 4.250 % ( im currently at 5 % ). On a 30 year ( my lender has put mine to 43 years ) AND he says at the 4.25 % it will cost you 2.25 points. So its going to cost you {$7500.00} to do a loan. ( He was discouraging me so much that it was clear he did not care about XXXX. And was denying me the same financial assistance of a person that has a XXXX, XXXX, XXXX credit score. Certainly appeared that way. So i said, ok lets do it! He says, what? I said again lets do it! He was silent. I said to him after the moment of silence, i said : you dont want to do this loan, do you? Ahhhh ... and we ended the call.

Company response to consumer: Closed with explanation