BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: CIG FINANCIAL LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/22 at approximately XXXX I called Cig Financial and was greeted my XXXX XXXX which is my agent over the account. I stated to him that I now have an informed use of credit as defined by congress and would like a old account removed because it was past the 7 year mark of reporting negative and was removed but put back on my report which is a violation. He stated the it Takes 10 years to be removed and that I should just pay my bills aggressively. Also he stated that I owed his company money and then fixed his wording to the company he works for money. Here are a few of my consumer rights that he violated and also the company CIG FINANCIAL. 
12 cfr 1006.18 ( d ) 12 cfr 1006.18 ( f ) Cig Financial is in violation of 12 cfr 1006.22 ( e ) 1 12 cfr 1006.22. ( f ) ( 2 ) 12 cfr 1006.26 ( a ) ( 2 ) 12 cfr 1006.26 ( b ) 12 cfr 1006.30 ( a ) 12 cfr 1006.30 ( d ) ( 1 ) 12 cfr 1006.34 ( b ) ( 1 ) 12 cfr 1026.23 ( b ) 12 cfr 226.18

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 contacted trans union repeatedly about the accounts and account on my credit repost in which do not belong to me and are part of identity or a mixed file of my twin sister in which we have similar names and info. 
Also have attached my identity report as well. 
This has caused me a GREAT deal of issues and needs to be addressed. 
They still have yet to remove the remaining of my complaint. I have attached the Letter which each individual inquiry which is NOT MINE to be removed.

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 2020-04-22
Company: Lending Club Corp
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account charged off in error. Even after me making payments. 

I called in on XX/XX/XXXX two times, XXXX, XX/XX/XXXX, XX/XX/XXXX, and now twice on XX/XX/XXXX. I spoke to several people who informed me not to worry my account would be corrected and I would not be adversely affected. Today Lending Club reported to the credit agency 's that I have a charged off account which has made my score drop approximately 100 points. I think this beyond unfair to me as a consumer. I was reassured on several conversations with their company that this would not happen. 

I reviewed the documents sent to me for the loan and it does not mention anything about charge period being expedited. 

I called in on XX/XX/XXXX and made a payment via phone in which the rep told me she would set me up auto payments. Asked for a supervisor to call me. 

Called in on XX/XX/XXXX payment did not come out of my account because it was removed and still in a charge off status. I told them I would be happy to make my payment when this problem has been corrected. Asked for a supervisor to call me. 

XX/XX/XXXX still no resolution. No supervisor has called me since my request on XXXX. Every time I call I am told someone will call me but that never happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My car was totaled in an accident. My insurance company paid off all of the loan, or what I thought was the entirety of the loan, but Capital One is claiming there 's still a small balance. I was unaware of the discrepancy. The car was sold as salvage titled and registered to another person.  Capital  One reported my car as repossessed or in the repossession process which is now preventing me from getting another car loan. How was the car titled and registered to another person if Capital One is still the registered lien holder and there 's still a balance due? How can Capital One repossess a vehical over a balance less than the original cap payment amount? I need the repossession removed from my credit immediately. This is affecting my lively hood as I am unable to get a car to go to work

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New CFPB Claim & Re-Opening of Claim # XXXX SPS ( Select Portfolio Servicing ) Committed Fraud and misrepresented their answer ( s ) to this Federal Government Agency & the CFPB. Additional concerns for misconduct, fraud and impending litigation for misconduct and illegal acts also enclosed should also be of concern to this agency for Crimes against the consumer committed by SPS. 

See all attached ( First Document is summary ) New Complaint or request to re-open and correct wrongful decision to close the file based on Lender 's fraud, Lies and deliberate misrepresentations to this agency in-order to win a favorable decision by the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: HW Holding, Inc
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This goes with case number XXXX Fraudulent debt sold to Hunter Warfield debt collections. Placed on my credit report without any contact from XXXX XXXX or his property management team. 
This man appears to hide behind various small businesses that he owns. 
He also repairs nothing or makes a tenant whole. Fraudulent fines are given without any explanation for the fines. 
Many of his workers are undocumented. His management team is unsavory. He is well hidden behind them. I was sent an eviction notice after I gave my 30 day notice and paid my rent. 
His rental properties do not follow tenant/landlord law. He baits and switches. 
I feel the problem I am having is tenant retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have sent numberous request for my credit reports, from all three bureausXXXX XXXX XXXX AND TRANSUNION, and have received no reports. I have disputed items on my credit reports to all three bureaus and i have not received any reports, I have provided them with copies of my drivers license, and social security card and I have not gotten a response.

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 2020-04-22
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX  continue to furnish information on the report. Continue to request documentation, however, the company failed to comply according to FCRA, IF company failed to verify request please remove tradeline off the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We are continuing the previous case ( CFPB XXXX No : XXXX Ref : XXXX ) because the irresponsible and unprofessional response from XXXX XXXX from Customer Advocate Services Team of American Express XXXX 

After we provided the evidence from our payer 's bank, it's so ridiculous to see " There is a {$100.00} credit on XX/XX/XXXX '' as another explanation here. DOESN'T XXXX XXXX KNOW COMPANIES ' SELL SAME PRODUCTS WITH SAME PRICE? OR AMERICAN EXPRESS NEVER TOOK/PROCESSED DEPOSIT WITH SAME AMOUNT? 

We provide products/service to our patients, it's VERY NORMAL to be paid with SAME AMOUNT of check from time to time and even at the same date. And the amount of {$100.00} has been paid multiply times since we opened an account with Kabbage. 

As attached, please find three photos to support our claim for the deposit of {$100.00} paid us ON 12/2/2021 that has NOT been credited to our account due to your banking malfunction.

Photo 1. Check paid {$100.00} on XXXX XXXX, XXXX, which is the one credited on XXXX XXXX. 

Photo 2. A DIFFERENT CHECK paid {$100.00} on XXXX XXXX, XXXX but has not been credited to our account yet. This check number is XXXX and IS THE ONLY ONE we have been contacting with Kabbage. 

Photo 3. The proof shows that the payer has never received {$100.00} but Kabbage claimed that this check with # XXXX has been returned to payer 's account on XX/XX/XXXX after " Mobile Deposit Reversal '' from our Kabbagge account. 
This evidence also shows that Kabbage cashed {$100.00} on XX/XX/XXXX from payer 's account. 

So, who stole the {$100.00}???????????? 

Hope Kabbage/American Express can get someone who is capable to understand and straight this out. Otherwise, we will continue the complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Experian Information Solutions Inc.
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 submitted an identity theft report to the credit bureaus and to the U.S Department of Education Office if Inspector General. My identity got stolen and the student loans listed in the attached identity theft reports do NOT belong to me and I did not receive any benefits from the accounts!

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 2022-09-13
Company: Experian Information Solutions Inc.
State: VA
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:
My ex-husbands current wife has used my personal information ( DOB and SSN ) to divert purchase rewards and coupons from the retailer XXXX to her own address, dating back to circa XXXX. I believe the issue is resolved with the retailer, but since that time, incorrect information has appeared on my report. Most recently, yesterday I tried to buy health insurance via the marketplace and was locked out due to answering background questions incorrectly. The brokerage agent who helped me suggested that since this other person has used my SSN in connection with her address, it has confused the credit reporting bureaus and messed up my information. Im not sure the extent to which she has done this, as she continues to have access to my information. Id like to know how to disentangle my credit info from theirs and avoid this happening in the future.

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 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The dealership falsified information on the credit application to get it approved by the finance company. I did not provide this information to them. Nor did I complete my own credit application. After reviewing a copy of the credit application that was submitted, I notified them that the information was not correct & they refused to change it and resubmit the application. I also notified the finance company that the information was falsely entered, and they also did not do anything to verify that the information was true and correct,, even after I told them that it was falsely submitted by the dealership. This is my first attempt of filing a consumer complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: WELLS FARGO & COMPANY
State: AZ
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:
To Whom It  May  Concern My Name is  XXXX   XXXX   XXXX  my complaint is w ith Wells Fargo Home Mortgage is two parts, credit reporting to  the  XXXX  bureaus, I filed a Chapter  XXXX  in  XXXX  in doing so it was not aware that recommit my loan w ith Wells Fargo Home M ortgage  XXXX  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XXXX  we have never missed a mortgage payment. however, we filed for a home modification in   XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with wel ls Fargo. we were told by the person handling the modification process with Wells Fargo, that for us to qualify for the modification, we had to be behind on our mortgage payment. I told h im at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XXXX  we have contacte d Wells Fargo about this ma tter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I recently contacted the credit bureau regarding an account that shows on my credit report as charged off. This account has been updating each month with the last update on XX/XX/2021. This is an update in the payment history and according to FCRA laws, charged off accounts should NOT include an active payment history. This falsely manipulates the statute of limitations on the debt. My credit score dropped 30+ points due to the credit bureau updating the remarks of the charged off account and it still updating to show an active payment history. I have filed a complaint with the Federal Trade Commission. FTC Report # 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 2022-08-04
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX / Account number XXXX, XXXX XXXX, XXXX. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX SENT ME AN EMAIL STATING THAT DUE TO THEIR INACCURACIES THEY WOULD BE REMOVING A NEGATI E ITEM FROM MY REPORT, THAT NEVER SHOUL DHAVE BEEN THERE. I HAD MOVED, CALLEDC THEM, AND THEY NEVER CHANGED THE ADDRESS. I THEN SPOKE WIOTH THEM THROUGH PHONE AND EMAIL AND THEY RECTIFIED THE PROBLEM, RMOVING IT FROM MY CRED IT REPORT. IT HAS NOW RE-APPEARED MULTIPLE TIMES, SAYING SOMETHING ABOUT ME DISPUTING, WHICH I NEVER DID, THE INFORMATION IS COMPLETELY INACCURATE AND I HVA EPROOF THEY LIED ABOUT REMOVING IT. THIS IS A CLOSED ACCOUNT THAT WAS NEVER NEGATIVE AND THEY PROMISED TO REMOVE AND DID, ONLY TO HAVE IT RE-AOPPOEAR AGAIN.

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 2022-08-04
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I previously had a card with XXXX Bank, Bread XXXX  bought my debt and changed my card. Prior to this I had automatic payments set up on my account with XXXX, I get a phone call one day that my account is over 30 days late from the new card company. So I paid the bill, after I called my original company to find out what happened. During this time, I received no word from either company about this buyout, and I did not receive a statement from the new issuer, still they have reported my payment late, and refuse to amend it, aside from that they increased the interest rate on my balance and list it as a cash advance, all of which are issues now that I am trying to buy a home.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax writer permission to furnish these accounts. 


XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Issue  with Fedloan. Is sue since  XXXX   XXXX  regarding an incorrect interest balance. In  XXXX   XXXX  an incorrect amount of interest capitalized on my account. I was on an income driven repayment  plan ( pay as you earn ) and was determined to pay {$0.00} a month in payments and the government therefore woul d pay my interest from  XXXX   XXXX . This did not happen due to some error, and so at the end of the yea r ( when I switched to a new repayment plan that required me to make payments since I was now employed ) the amount was put on my account and the interest capitalized. I had to make numerous payments to pa y down that interest beginning in  XXXX   XXXX . This was interest that never should have been there, thus those first several payments would have been going to pay down the loan principle, but instead had to go towards the interest that should have never been there. I have been told via phone that this will be remedied although the exact timeline is uncertai n ( Granted it w ill be 2 years of this issue in  XXXX   XXXX  ). I recently received written confirmation stating that, " Our records indicate that you will be granted the interest subisdy for the period of  XXXX  of  XXXX  to  XXXX  of  XXXX . We do not have a timeframe or amount for this yet, but you will be notified once it is completed. '' I do not understand where this timeline of  XXXX   XXXX   XXXX   XXXX  comes from. There was also no written confirmation verifying the amount of repayment, nor how it was calculated. I am worried that simply granting me the interest subsidy that was lost is not enough, since it ignores the fact that my initial payments in  XXXX  would have otherwise been able to go towards the loan principle. Because they instead were forced to go to the interests that should n't have been there in the first place, the repayment life of my loans has been prolonged by more than just the amount of the missing interest subsidy.     I have been documenting this process and been met with inadequate, vague responses, or no response at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo has failed to properly investigate and resolve my claim for wire fraud. I was victim on fraud in the amount of {$18000.00} on XX/XX/2022 and reported it within minutes of it happening. They failed to recall the money until two days later, properly identify me, contact me for approval, provide any details on the investigation, return numerous calls and requests to speak with the investigator, provide rights to documentation after waiting the full 30 days to process, provide an IP Address from which the transfer was made and ultimately failed to provide proper security of my accounts. They did send a letter declining the claim but it was address to the wrong person and had several other errors on it. I do not believe this was handled correctly and wish to hold them responsible. I have spent the last five months trying to gain a proper resolution with them with absolutely no luck.

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