BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-29
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
fedloan only has XXXX fax number which I have been trying to fax over documents to them for over 1 month now and the fax number does not work. When I called they stated they only have XXXX fax number. For a company that services millions of loans & they can not afford a 2nd fax number is crazy. I have never heard of such a thing. I have tried faxing in the middle of the night to try to get my documents to them. I tried different fax machines. I have tried everything under the sun to try & fax them. While I was on the phone talking to them to complain about their fax number I had faxed them over 15 times & they were all rejected. That is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Message sent to Barclay Business Card Services : I recently made an error on entering my correct checking account number My XXXX online billing # XXXX The check from my bank was returned and I was charged a {$39.00} fee! It is more than the charge itself! 
You phone agent was very mechanical and non understanding. 
I do not have free money to give away especially now with the COVID-19 situation. 
I do not need a company such as Barclay Business and I will cancel my card! 
Also I will file a report with the consumer Protection Bureau! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Paid in Full Collection with XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. This account has been disputed for incorrect reporting with XXXX to XXXX and TransUnion. It has been verified as correct. This account, XXXX, had a filed complaint with CFPB, it has been verified as correct. XXXX states that their information is correct and any errors are with the Credit Reporting Agencies, XXXX and TransUnion. 

XXXX is listed as a Factoring Company. It is listed as an Open Account. 
Per this case law, XXXX v. XXXX XXXX XXXX, Dist. Court, XXXX Arizona XX/XX/XXXX : [ XXXX ] XXXX argues that XXXX ' debt was not " in default '' at the time XXXX acquired it, and therefore XXXX is not a debt collector and not subject to liability under the FDCPA. 
[ 2 ] This exemption places the factoring of accounts receivable outside the scope of the FDCPA, thereby leaving a factor in the same position as the original creditor, had the creditor not sold his accounts receivable to the factor. By excusing factors from compliance with these regulations, the FDCPA respects a common method of business financing. 
The FDCPA defines " debt collector '' as " any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. '' 15 U.S.C. 1692a ( 6 ). Exempted from this definition, however, is " any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity... ( iii ) concerns a debt which was not in default at the time it was obtained by such person. '' Id. 1692a ( 6 ) ( F ) ( iii ). 

According to the XXXX, they have the option of reporting an Account Type of XXXX-Collection Agency/Attorney or XXXX-Debt Buyer ( which undoubtedly shows as Factoring Company in consumer reports ) XXXX incorrectly choose to report as type XXXX instead of XXXX based on the information in the reporting guidelines. If reporting as a type XXXX changes the value in a credit score more so than reporting a XXXX, that would be an incentive for them to mark it that way because that could significantly cause poisoning of reports.

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 2020-08-07
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian credit reporting is giving me the WRONG score. I had my credit checked by a mortgage lender just Tuesday XX/XX/XXXX and was told that it was XXXX. On XX/XX/XXXX, I had problems logging into my Experian " account ''. They kept calling via bot to my XXXX voice and did not give me the option for a text. Well, if you start speaking to a XXXX XXXX number, and do not follow the prompts, you will miss the opportunity to speak with the person whom you are trying to reach. They do that to make you give them your REAL cell phone number -- because they " sell '' these numbers to other financial agencies and they wanted my REAL number for that  purpose -- they do not care about me as a consumer. I finally outed them on XXXX and I got someone to call me. Through their website, my score was XXXX!!!! How can it be that big of difference? In one day? They are fraudulently giving me numbers because they want me to purchase their products and I outed them on social media to other consumers who were having trouble because of them -- for some of the same reasons. I tried to get an " annual report '' and they put some type of discrepancy on my report as if they are " unsure '' of my zip code. So when I do apply for credit or try to get my lawful annual report, they don't immediately give it to me. 

These people are not even a US based company and should not have access to so much consumer personal information. They are retaliating against me! They also told me if I wanted to add my yearly income that might help my FICO -- that just helps them sell more of my information. Your score is your score regardless! I think they want me to PAY for Experian " boost ''. Credit bureaus should not be money-making organizations, because their goal is not to actually help the consumer -- they work against the consumer. 

I also see other things such as multiple hard inquiries that should not be there and an " account '' from a company that was discharged when I filed bank on my report that should not be there. They are clearly retaliating! I have worked hard to repair my credit and one of the bureaus is working against 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 2023-02-03
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 following items are incorrectly reporting on my credit file : XXXX - Date Opened : XX/XX/XXXX ; Bal : XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX ) ; Bal : 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 2017-02-16
Company: BBVA FINANCIAL CORPORATION
State: AR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I sent BBVA Compass Bank Auto Loan Department a Promissory Note, in accordance with the Uniform Commercial Code, as a Security Negotiable Instrument, Legal Tender by Law, to pay off the remaining amount that was left on our car loan, to receive our car title. The legal tender was sent over night express mail, and received by BBVA on XX/XX/XXXX, and signed for by XXXX XXXX. XXXX has not bothered to respond to the Promissory Note that I have sent them, which is asset for a Bank, and I specifically stated in a legal notice, that I sent them along with the Promissory Note ; that if they refuse my Promissory Note, to send it back with a written explanation as to why BBVA is exempt from Legislation. XXXX did not respond, nor apply my Legal Tender to pay off our debt, and they kept my Legal Tender, which is asset for them, that can easily be monetized by them. The UCC states, that if Legal Tender is refused, then their is discharge of the debt, and the Federal US court appeals ruled on Title 31 USC 5118 ; that the requirement to repay a debt in the form of coin or currency or legal tender is against Public Policy, since money, as in the Federal Reserve Notes that we use as money ; means a promise to pay, according to the Banking dictionary 4th addition ; and that a repayment for a debt only needs to be made in equivalent kind ; a Negotiable Instrument, which is a Promissory Note. As a Private Banker, in accordance with the Black 's Law Dictionary, I have a right to use a Promissory Note with the Banks to pay off a debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
I am one of the people affected by the recent Equifax hack. Equifax failed to protect my data. I have signed up for identity theft protection and am in the process of putting an alert on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I didnt receive the funds from my closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
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: Investigation took more than 30 days

Complaint:
They had 30 days to investigate and didn't. Now they are saying they will further investigate with new information. That is an FTC violation of the Fair Credit Reporting Act. THEY HAVE 30 DAYS PERIOD! Additionally in California per statutes 1013 and 641, which they must adhere to because they are doing business in California, mail deposited is by law consider received. Consequently they are in violation of California law. Lastly, when they cause damages, they are liable trebly ( for 3 times the total damages amount ) to the person they have damaged, due to their erroneous reporting.

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 2020-08-07
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC does not allow me to link my own checking account to other banks. They hold my own money, charge me ridiculously high fees just to have a savings account, and then allow scammers to easily access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX I was notified of fraud on my card. Contacted Capital One and they closed account and issued new card. 

XXXX I filed a fraud complaint with FTC for the credit card and additional fraud on my taxes. Same time I placed a security alert with all the credit bureaus. 

XXXX XXXX  reported fraud to Capital One based on my security alert and the FTC report they needed. Someone failed to read the entire report since the fraud was already resolved by Capital One. Capital One closed my account and will not reopen. 

XXXX I submitted explanation letter to Capital One to have account restored. Have never heard from Capital One regarding this matter beyond my numerous calls and conversations with fraud supervisors. They have informed me that we have submitted all the paperwork needed and it was just a matter of time. 

Multiple other dates of calls to Capital One. Last one being today XXXX. 

I must get this resolved since a vendor returned {$940.00} to my Capital One card. I have no access to these funds per Capital One since account is closed. In addition, the account being closed I have also lost access to approximately {$420.00} worth of store points at Cabelas. 

I am simply asking Capitol One to restore my credit card which should allow me access back to my points and allow me to receive a refund of returned funds. 

I've paid all my balances on the card which they were able to mail me an invoice after account has been closed. But in the meantime they have never reached out to me to resolve this issue since I have no access to account. 

I look forward to your response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-29
Company: ABR Recovery Services LLC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ABR Recovery Services continually violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act.

ABR Recovery services contacted my in XX/XX/XXXX though the telephone, stating that I owe them money based off a collection account I had with XXXX XXXX. I instantly told them that I was in the process of paying this debt off with XXXX XXXX XXXX. I had disputed this account with XXXX XXXX in XX/XX/XXXX and they furnished account verification within 30 days. I setup a payment agreement and completed it.

After speaking with ABR Recovery in XX/XX/XXXX, I emailed them the information they requested on XX/XX/XXXX on my payment agreement with XXXX XXXX, and I requested account verification from them. The company never responded to the email or furnished account verification to this day.

They proceeded to place a collection account through all 3 credit bureaus. I instantly disputed the accounts and they were removed. They again were placed there in XX/XX/XXXX and I disputed the account again. I contacted ABR Recovery Services on XX/XX/XXXX and furnished the payoff letter from XXXX XXXX. The account was removed again, only to be placed back on there multiple more times since.

ABR Recovery Services has violated my rights under the Fair Debt Collection Practices Act : 1. They continue to try to collect a debt they have knowledge has been paid and is not owed to them.

2. Threatened legal action against me 3. Furnish false information to the credit bureaus ; XXXX, XXXX, XXXX.

ABR Recovery Services has violated my rights under the Fair Collection Practices Act : Fair Debt Collection Practices Act Section 809. Validation of debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), ABR Recovery Services, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts I request to be posted and or reported on a credit report.

I have submitted multiple complaints through the Consumer Financial Protection Bureau to no avail. How can a company continue to operate outside the law and violate my rights afforded to me though the above mentioned laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a truck loan with Ally Financial. They are showing i was 30 days late on one payment. That is incorrect and this loan is paid 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 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax hack led to breach in personal security. I was listed as potentially impacted. Due to a lack of security system, my personal information is now in the hand of hackers and my credit can be ruined leading to huge personal impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Valon Technologies, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Valon Mortgage made a mistake in the type of my property and forced me in buying two insurances ( one hazard insurance in XX/XX/2022 and another lender 's insurance without notifying me or reflecting it in the mail. I contacted them 3 times and they refused to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
For the past several years I have had excellent repayment status on all of my credit reports for XXXX and my student loan. Over the past 2 years I have attempted to remove information that is negative and/or over 7 years old even as old as up to 20 years old off my report from XXXX and most notably the Department of Education. I have many examples from my XXXX credit report showing wrong information and it needs to stop. If accounts are closed they can not be updated to continue on my record for 20 years! XXXX and Department of Education are not immune to Fair Credit! XXXX is just as guilty for allowing their illegal practices to continue.

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: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been charged a {$5.00} service fee since 2021 each month when I was never told about this!

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 2016-07-30
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I went to US Bank to get a home equity line and the appraisal was completely botched. I mean they used comps that were a year old and average prices for my zip code were up 13.7 % versus last year. It appears that the appraiser was completely incompetent or the lending department gave him instructions on a number to come in at.

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