BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/VICTORI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30   days/60 days/120  days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Unable to get through by phone, unable to find an email address even after extensive searching

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 2020-05-19
Company: Bread Financial 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: Information belongs to someone else

Complaint:
ComenityBank/XXXX, was a credit card taken out fraudulently by my ex wife in my name. In spite of me reporting this fact to them on at least 6 occasions and me disputing the account with the credit reporting agency 's, this account, including late payments, is still showing up on my report and causing substantial damage to my credit score. Bottom line, this company is completely fraudulent and obviously has no intentions of addressing issues such as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: General Motors Financial Company, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
his started when GM Financial sent my account to a collection Agency called XXXX XXXX XXXX.  I will start by telling you the situation. I was in a career ending accident with this very car ( XXXX XXXX ). From that point on I had to apply for XXXX in PA. Unfortunately it takes 2 years before you get a hearing in front of an administrative judge. So I was unable to pay my payments. Now the original loan was taken out in XXXX of XXXX. The problem started when XXXX XXXX  got involved. We were talking about making a settlement on the account that's when the games started. I explained my situation and told them that I was Permanently and Totally XXXX. I said I would be willing to give you my total monthly income of {$1100.00} to settle this debt, because I only make {$1100.00} a month from XXXX. The total bill was {$9700.00} when I defaulted back in XXXX. The woman said that she would send in the request to GM financial, with the reason why to see if they would accept, because of my condition. She told me it would take about 2 weeks to get an answer, and that she would get back to me. So two days pass and I get another call, This is XXXX XXXX  etc. I am calling about a debt that you owe. I said I have already discussed this with one of you reps and put an offer in, she said she sent it off to GM Financial for review and to see if they would accept the offer and she would get back to me in two weeks. He said sorry it never happened. Then he says if you give my {$6000.00} I will send the offer in. I said I don't have that kind of money, I am XXXX and only make {$1100.00} a month, but I can do what I offered the woman. He said he won't do it. Then we hung up. These calls have gone on for 3 months now. They went as low as {$1100.00} and as high as {$6000.00} and everyday it's a new figure. One day it was {$2000.00} last week. It is just game after game. I told them the only offer and money I have is {$1100.00} and I will give it to you in good faith to show you I am not running from My obligations and good Faith. But again, it just depends on who calls me for that day. One day they say they will send in the offer and it never gets done

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My Heloc was at XXXX loan services. On my statements it NEVER showed any late payments or past due. Furthermore, when my loan was sold to Specialized Loan Servicing first loan statement showed absolutley nothing past due. On the next statement, all of a sudden, I show XXXX. XXXX outstanding late fees. 

I dispute this debt and SLS did not help me anything when I called them. They told me to call the previous servicer. HAHA. SLS is the ONLY lender that placed these fees. I had no problems with previous lender.

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 2016-12-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card
Issue: APR or interest rate

Complaint:
never late with a payment - they just increased my interest rate on an existing loan, was not a new purchase. I no longer have the old paperwork

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 2020-05-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX # XXXX****was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validation 807 ( 1 ) XXXX XXXX  Validations of date andMini-Mirandi under Section807 ( 1 ) XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX  is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX  has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately. I have a address on my credit report that does not belong to me please delete the following addresses XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had an unemplyment card i used for about a month and had a problem with a purchase and disputed. They sent me a new card which had aboyt XXXX $ on it and transfered after i activated my card and went to use my money it then told me i had a negative XXXX. Its a prepaid card and in my list of dos and donts it clearky says no overdrafting allowed and no negative balance at any time. Im XXXX pregnabt and doing this shooping for.baby beforee i cant and theyve made it hard to even eat.

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 2016-12-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a long standing Wells Fargo banking customer using checking, credit card, mobile and online sevices. Today I attempted to transfer funds from one checking account to another checking account. Instead of a checking to checking transfer, a checking to credit card payment occurred. After calling customer service I was informed this transaction could not be reversed/cancelled even though it was still in a pending status at the time. I was informed it would take 1 to 5 days repeatedly to reverse transfer which further ascerbated the conversation and my frustration level. Every explanation from me indicating that the credit card had a XXXX balance for 9 months and it was a Wells Fargo credit card brought the same response 1 to 5 days, I thought I was talking to a robot with an automated response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
As of yesterday, XX/XX/XXXX, I was checking my credit reports to keep up to date information about my credit score which I do often. According to my information, my XXXX  score dropped from XXXX to XXXX a 58 point drop in XX/XX/2020. My XXXX dropped 27 points in XXXX and another 27 points in XXXX bringing me from XXXX to XXXX also XXXX. When I checked these sites specifically for changes made to my reports, both XXXX and XXXX show an increase in balance to my student loans due to interest. These reports came from Navient who holds my Federal Loans. I am still paying my loans although the President put a freeze on payments and interest months ago and I have paid off one small loan. There is always some issue with Navient or XXXX XXXX Dept. of Ed. Just for the readers edification, the drop of 58 points in XX/XX/2020, due to Navient 's inaccurate reporting, was a result in a total increase of the following increases in dollar amounts : XXXX has four loans that are mentioned in the increase of ; {$2.00}, {$37.00}, {$37.00}, and {$21.00}, for a whopping total pf {$97.00} dollars. XXXX  has the same as the aforementioned plus ; {$10.00}, {$5.00}, {$11.00} for XXXX and XXXX additionally ; {$72.00}, {$72.00}, {$53.00}, {$12.00}, and {$29.00}. XXXX total - {$120.00} and XXXX - {$230.00} and these numbers for XXXX and XXXX are for the same loans with NAVIENT. This has damaged my credit, and has caused me to be unable to apply for cheaper housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: DISCOVER BANK
State: NY
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 have a loan with DISCOVER BANK and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and DISCOVER BANK, XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: American Credit Acceptance, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right. I submitted my Written notice of the rights to enforce my right to rescission of my contract per 15 U.S. Code 1635 - Right of rescission as to certain transactions ( a ) ( b ). I have also reached out for several violations. As follows : Under 15 USC 1681 section 602 I have the right to privacy. Section 604 a section 2 a consumer reporting agency can not furnish an 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. Per use of my social security card, which under the eyes of XXXX law dictionary, is in fact a credit card. 

15 U.S. Code 1692a - Definitions ( 5 ) and ( 6 a-f ) 15 U.S. Code 1692d - Harassment or abuse ( 3 ) and ( 5 ) Including threats to remove the property from my residence violating my rights and the fines charged when it was removed from the property and paid before auction. 
15 U.S. Code 1692c - Communication in connection with debt collection ( 1 ) 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) ( b ) HJR-192 which states that debts can only be discharged and not collected, as well as s 18 U.S. Code 894 - Collection of extensions of credit by extortionate means ( a ). 
( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
15 U.S. Code 1692e - False or misleading representations ( 2b ) and ( 5 ) and ( 6 ) and ( 10 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Navy Federal Credit Union What its going on is they will determine how much I overdrawn at the same time leave the account with money in it help me believe in that money is in account wait till all the charges occur then charge me an overdrive fee This is a rear current incident my direct deposit goes to the bank so they know exactly when to take the money out this incident occurs every other week

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-07
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am on an ibr plan with navient. Ive been making monthly payments and my balance continues to increase. I see that they have multiple suites and they did have me in forbearance for a long period of time which should have probably been I 've at that time as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I didnt have the correct option to check a box. I have disputed this item and keeps coming back as accurate. This account was deleted from my XXXX  report meaning the account has been closed. Why cant it be deleted from XXXX and XXXX? Its 6 yrs and 10 months old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Terrill Outsourcing Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
we receive at least one all a day ( leaving a voice message on our land line phone ) most of the calls come from the same phone number, XXXX. Message is the same every time; Hi this is XXXX from XXXX XXXX 's XXXX, please call me today before XXXX. We have not done business with this company. 

Most of the return call numbers are the same XXXX. Calls have been coming since XXXX, 2021. We believe the calls are a scam and will not call them back using our phone

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Continental Services Group, Inc. d/b/a ConServe
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a checking account with JP Morgan Chase bank for more than a decade. Last four digit of my checking account is XXXX I saw on XX/XX/XXXX ATM WITHDRAWAL {$500.00} from my account that was not withdrawn by me. I called the customer service, they transferred the call to the claim specialist or fraud protection department. After like 30 minutes waiting for a lady asked me the reason for calling, I gave her the details of the unknown transaction, but she was not taking it in a professional manner rather she was asking question after question with and anger mood and then kept the phone without giving any note/advice/solution ... Then I called directly to the safe fraud dealing department and one lady representative talked very nice to me and told me, the amount of {$500.00} wrong or false transaction, shall be credited my account and she canceled/ inactivated my debit card. The amount of {$500.00} was debited in my account on XX/XX/XXXX. But, on XX/XX/XXXX, saw, the bank again directly debited {$500.00} from my a/c with a " Claim reversal : ATM WITHDRAWAL '' note. Then and there I called the customer service and after talking a little bit, they transferred the call to a male claim specialist or fraud dealing representative. I told him details of the reason for contacting, then he was talking with a very low volume, said something that that decision was final by the fraud specialist dept ; and it looked like he was not interested to talk to me about the matter anymore. I requested him many times that it was wrongdoing by the bank because I did not withdraw the mentioned/ disputed {$500.00} nor know nothing about how it was done. Then the call was interrupted or canceled. 

Please note that I had {$330.00} balance in my account, but when they take away XXXX dollars from it, the balance became negative ( - ) {$160.00} and faced problems to pay my bills. I was waiting for a good response, but, on XX/XX/XXXX the chase bank sent me an email that was insufficient funds in my account to complete the recent activity for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Equifax continues to report a collection account for XXXX XXXX XXXX XXXX for a voluntary repossession that occurred 7 years ago. XXXX logic has failed to provide documentation regarding legal notices or of the reasonable sale of the vehicle despite sending requests certified mail. I have provided Equifax with copies of the letter requesting said documents, copy of the certified mail receipt and the XXXX report showing the sale of this vehicle and they refuse to correct the information. I tried calling the customer service line today and the operator would not let me speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
As of yesterday,XX/XX/XXXX, I was checking my credit reports to keep up to date information about my credit score which I do often. According to my information, my XXXX  score dropped from XXXX to XXXX a 58 point drop in XX/XX/2020. My Equifax dropped 27 points in XXXX and another 27 points in XXXX bringing me from XXXX to XXXX also XXXX. When I checked these sites specifically for changes made to my reports, both Equifax and XXXX  show an increase in balance to my student loans due to interest. These reports came from XXXX who holds my Federal Loans. I am still paying my loans although the President put a freeze on payments and interest months ago and I have paid off one small loan. There is always some issue with XXXX or XXXX XXXX Dept. of Ed. Just for the readers edification, the drop of 58 points in XX/XX/2020, due to XXXX XXXX inaccurate reporting, was a result in a total increase of the following increases in dollar amounts : XXXX has four loans that are mentioned in the increase of ; {$2.00}, {$37.00}, {$37.00}, and {$21.00}, for a whopping total pf {$97.00} dollars. Equifax has the same as the aforementioned plus ; {$10.00}, {$5.00}, {$11.00} for XXXX and XXXX additionally ; {$72.00}, {$72.00}, {$53.00}, {$12.00}, and {$29.00}. XXXX total - {$120.00} and XXXX - {$230.00} and these numbers for XXXX and XXXX are for the same loans with XXXX. This has damaged my credit, and has caused me to be unable to apply for cheaper housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX 2015, my wife and I closed on a house financed by Wells Fargo. Up to that time, our credit was over XXXX and qualified for a low PMI payment and interest rate. At the time of closing, we were informed that our credit had gone down, and that we would be required to pay higher interest and private mortgage insurance. I checked our credit score and it had n't dropped. I also asked Wells Fargo to look into why they arbitrarily lowered my score with their proprietary credit reporting software, just low enough ( XXXX ) to make us pay extra money for PMI and interest. They could n't explain it and had no answer but at the time we were locked into the loan so we had no choices or options. I believe this part of the overall activity that has been occurring at wells and wonder if your office can do anything or make suggestions on what we can do address this issue.

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