BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-28
Company: Conn's, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
i currently have 2 loans with XXXX 's XXXX XXXX -- i have 2 payments due on theXX/XX/XXXXof every month. I have been current and on time with them until last month. I have paid them every single month, last month i was late and this month i am late on ( 1 ) one payment. they call my house 3 times a day, but immediately after calling my house phone they are calling my cell phone 3 times ( total of 6 ) onXX/XX/XXXX they called my house 4 times i have told several of their reps that i can not pay until theXX/XX/XXXX, and that i would call them with a payment. they then tell me NO I have to give them a form of payment TODAY. i explained to them that i did not want to give them a form of payment and that i would CALL MY PAYMENT IN ON THEXX/XX/XXXX. and they can stop calling me. I gave my credit card info to one of their representative over the phone on wednesdayXX/XX/XXXXand asked they stop calling and they need to wait untilXX/XX/XXXX to withdrawl the {$120.00} from my account. when i pay this on theXX/XX/XXXX i am not even a month late!! only 2 weeks, but they call 3 times a day and on theXX/XX/XXXX after i had given my credit card and asked not to keep calling i still recieved and spoke with, at least 6 or more people from Conn ' ; s telling them all the same thing that i gave my card information and i can not pay it until theXX/XX/XXXX 
they keep saying that i HAVE TO PAY TODAY OR GIVE THEM A FORM OF PAYMENT. which i already did, i told the lady, when i gave my cc information that i wasnt sure whicvh card i was going to pay with and why coulldnt i call on the XX/XX/XXXX... .she would not stop the phone calls until i gave it to her ... so i did ... .if she wrote it down wrong then i am sorry ... i asked them repeatedly to STOP CALLING MY HOUSE AND MY CELL -- its not like i am a month late ... .it starts the day after it is due ... .i have had 2 late payments with them as i am loooking for a job. 
here are the dates and times ; they have called my house and cell HOUSE PHONEXX/XX/XXXXXXXX pmXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX THIS IS TODAY CELL PHONE FROM XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX THIS IS NOT NECESSARY! After being told i CAN NOT MAKE A PAYMENT UNTIL THE XX/XX/XXXX ( i am only few days -- it will be 2 weeks late -- but REALLY??? 

i will send ( which i thought i had already ) them another letter to NOT CALL MY HOME OR MY CELL ) i am not like 2 months, not 2 weeks late ... there is no reason for the phone calls. when i repeatadly told them i can not pay until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22
Company: WELLS FARGO & COMPANY
State: FL
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:
On XX/XX/20 and XX/XX/20 funds were taken out of my Wells Fargo account without my permission. I will attach copies of the notices. Wells Fargo has DONE nothing to resolve this matter which is causing great hardship. How could they allow this to happen. The 2nd incident was dona on a wells fargo check with NO routing or account number, just taken out of my account. I would like answers

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 2022-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-09-01
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This complaint is regarding the {$25000.00} Education loan application, which has been canceled due to Discover service issues. This is causing me serious financial trouble since I have been told to re-apply for another loan, resulting in higher interest rates. 

I had applied for 2 Education loans of {$25000.00} each ( A total of {$50000.00} ) with different co-signers for the same loan period. My college certified/approved both of these loans, and they would be disbursed half in XXXX  XXXX and the remaining in XXXX XXXX. However, Discover cancelled one of the loans marking it as Duplicate.

Of the two loans I applied for, the cancelled loan was a lower fixed rate loan with fixed interest rate of 4.590 % while keeping the higher fixed loan open at 7.240 %. This deliberate action has been taken outside my interests and is selective and biased, to serve the bank 's interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: DISCOVER BANK
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX of XXXX I attempted to open a new Discover deposit account but was unable to do so. I contacted Discover about this issue and they were unable to provide a resolution, but claimed that the issue had been escalated and that the issue would be resolved shortly. After multiple attempts to obtain the escalated resolution I was told that Discover was ceasing to do business with me. My accounts remain open, even though Discover claims that they will be involuntarily closed shortly. Upon inquiring about the reasons why I was being shut down, Discover was unable to provide me with an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been having problems with na vient for a few years now and have made complaints before with you guys then sent an email that it will get a follow-up in so many days and nothing and these type of non communications have been going okn for a year until it affected my credit and then there are increase that the complaint line could not answer by phone or email all of which i have. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This was closed because it was not specific. I will make it specific. 

XXXX XXXX took over my account in XXXX. It was about XXXX XXXX XXXX. The XXXX year term ended in XX/XX/XXXX XXXX in other words, all payments were made at that time. HOWEVER- even though the contracted payments were all made, they still claim I owe XXXX of what I started with after XXXX yrs of payments. In XXXX of XXXX I was selling the property and trying to get a payoff from them. I didn't pay because the payments were all made. Why should I make payments on a mature loan? 

They reported me late XXXX  -- you verify it and it comes back in a day. I want specifics. It is incorrect. Further its a cares act violation. I was involved in a forbearance and it was current so its illegal for them to report it late. 

All credit reporting and letters are forwarded to XXXX. how can someone in XXXX determine the laws of the US for credit reporting? they just send the same documents and do not do anything -- but you accept them and do nothing to verify and that is why this complaint is coming to you. 

XXXX XXXX I will be pursuing this- trust 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 2020-10-07
Company: Santander Consumer USA 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:
Hi, My name is XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out they range from XX/XX/2020 to XX/XX/2020 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: GA
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:
Equifax and XXXX are reporting fraudulent accounts and inquiries on my credit report.Here are the list of accounts and inquiries : Account : XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 Inquiries 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 JXXXX 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 2019-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a judicial summons on XX/XX/XXXX. XXXX to appear in court on XX/XX/XXXX to collect a debt in the amount of {$11000.00}. I sent a letter to the court on XX/XX/XXXX acknowledging that I received the summons. I also made contact with the law firm XXXXXXXX XXXX XXXXXXXX in an effort to settle the debt. I have now received a court order to garnish my wages beginning XX/XX/XXXX in the amount of 25 % bi-weekly. I never received any additional letters about garnishment of wages and this was sent before my chance to stand before a judge on my court date. Capital One is fraudulently trying to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: DISCOVER BANK
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On the morning of XX/XX/2019 I was at an XXXX egg  hunt and had placed my Discover Card in my pocket in case we decided to take the family out to breakfast. Sometime that morning I lost or had my card stolen but I didn't realize it was going until sometime later when I did contact Discover Card and report the card missing. A dispute was filed on XX/XX/2019 with the company for the charges totaling {$1500.00}. A few days later my account was given a provisional credit for the full amount plus interest. On XX/XX/2019 I received a letter advising my credit limit on my Discover Card was being decreased from {$6000.00} to {$4600.00} then three days later on XX/XX/XXXX a letter was sent from Discover Card advising the investigation was complete and they found no fraud had occurred on my account and I was responsible for the full amount plus interest. When the amount was applied back onto my Discover Card it put my balance around {$1500.00} over my credit limit which drastically increased my minimum payment due every month plus when the severe over limit balance was posted to the credit bureaus it caused my credit scores to drop over XXXX points and i was then unable to refinance my house and complete home improvements and repairs due to my credit being destroyed after my credit limit decreased and the fraudulent charges where placed back onto my account. I contacted Discover Card and spoke with the investigations department and was told my fraud claim was denied because the card had been used in businesses and restaurants where I had previously used the card in the past and the card was never used again after I reported it lost or stolen. I advised Discover that I live in a very small town so obviously the card would be used at the same businesses. when reviewing the fraudulent charges the card was never used out of my town of residence. After speaking with Discover Card several times I hired an attorney to contact Discover Financial Services. Several letters were sent to the company without ever receiving any response from Discover Financial Servies by mail and no attempt to contact myself or my attorney XXXX XXXX was ever made by via telephone either by Discover. This fraudulent activity that was placed back onto my account has caused a lot of problems including increased payment amounts and more importantly Discover Card purposely destroying my credit rating causing increased hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: ME
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 learned that Equifax had a security breach and went to their website at https : //www.equifaxsecurity2017.com/ to determine if my information was compromised. I learned that based on the information I entered my personal information was compromised. I immediately called Equifax at XXXX and placed a 90 day fraud alert on my credit. I ca n't believe that the very company that is designed to safeguard my credit information and help me NOT get comprised is got compromised. I will continue monitoring my credit information and immediately dispute any changes to my report. I WILL NOT sign up for any service monitoring my credit with Equifax due to their negligence with my personal information and my lack of trust with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 date of last active and date of last payment is all declared inconstently. Also the two year payment history is messed up. A lot of CO remarks then suddenly after 19 COs from XXXX, 3 OKs appeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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:
The following accounts were never a charge off, I never made a late payment on the accounts ever. 120 days late on succeeding succeeding months, with different balances? How is this even possible? Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. US DEPT ED XXXX****, US DEPT ED XXXX****, US DEPT ED XXXX****, US DEPT ED XXXX**** , XXXX XXXX XXXX XXXX****, XXXX  XXXX****, 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 explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: IA
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 sent certified documents in the mail no response. I was told they didn't know where they were for me to resend them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: BARCLAYS BANK DELAWARE
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: Credit inquiries on your report that you don't recognize

Complaint:
Contacted BARCLAYS BANK DELAWARE customer service to report that there was a hard inquiry made on my credit report, and that it was not made by me. I advised them that my personal information ( expired driver 's license, social security card, payroll stubs and multiple credit cards ) had been stolen and that the person that stole my information was likely trying to open up fraudulent accounts with their institution. Asked them not to open any accounts under my name, as it is a case of fraud and identity theft. Provided them my name and cell # if they needed to contact 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 2019-11-28
Company: EQUIFAX, INC.
State: GA
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 XXXX is reporting a monthly payment for a charged off account also the payment status on transunion says repossession but my Equifax Payment status says charge off Please verify and delete all inaccurate accounts

Company response to consumer: Closed with non-monetary relief