BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am filing a complaint in reference to a dispute for accounts that are being reported incorrectly on my credit report XXXX Bank who holds accounts for XXXX XXXX XXXX. The have continously ignored my request to conduct a proper investigation and report the correct account information. They have not provided me with the documents that their company have on file that was used to verify the accounts. I have sent numerous letters requesting these documents that they have yet to send. I 've contacted to original creditor and they could n't even provide me with the proper information so how could the credit bureau verify this? Under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act- they are requested to " promptly delete all information which can not be verified '' that I sent correspondence on. I would like this matter resolved as soon as possible. This is really disrupting my livelihood the blatent disregard to send me the information requested and verify this 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 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent letters on XX/XX/2022 and again on XX/XX/2022, with no response from either consumer reporting agency ( XXXX, XXXX, or TransUnion. ) Also, I have called these agencies and the representatives have been unwilling and unable to assist me with removing these erroneous items from my consumer 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 non-monetary relief
Consumer complaint received 2015-12-17
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX XXXX, 2015, I disputed XXXX judgements on my credit file with Equifax , case numbers XXXX, XXXX and XXXX, all XXXX judgements came back as verified by the XXXX County Court. I have proof from the court system that there is no reocred judgement for XXXX and XXXX, I have tried on numerous disputes to have these removed from my report as they are not recored judgements and are not mine, each time they come back as verified. I am not sure who I need to contact to start legal procedings for these errors that are being falsely placed on my Equifax report. Furthermore Equifax makes it impossible to go back a view your documents as they are not avilable online you can not print them nor can you view them. I have proof but I am unable to attach the doucments is there anyay that I can make copies and mail?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: WASHINGTON FEDERAL BANK
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
This morning my husbands debit card was declined after working a 12 hr shift while finishing his 80 hr work week.. he came home very frustrated. He asked me to call the bank to figure out the issue.. so I did and left a message. This call center first of all is very hard to get ahold of even on days they are open!!! I left a message this morning and asked for a call back in regards to my accounts. Later that afternoon I got a call back saying they ca n't help me because my name is n't on the debit card and it does n't matter if it 's a joint account with both our names and I 'm the primary, I then asked to talk with the supervisor, which I was informed I will get a call back within 24 hrs.. I 'm frustrated at this point because all I want to know is if my husbands card will work for him later when he has to return to work at XXXX he 's sleeping.. finally I get a call back again and I speak with a named XXXX who was playing games with me.. I asked him if I wake my husband up what information does he need so I can tell him mind you my husband is snoring dead tired.. he says when I speak to him I 'll tell him.. okay ... so I 'm not stupid I say ca n't he just give you his social and name, address?? He tells me he 's gon na need his debit card?? So he wanted me to wake up my husband go get his debit card in the car outside., its freezing and I 'm in my robe..Long story short these people in the call center are rude they play games hang up on you and treat you like total XXXX!!!! They need training and to be replaced! I do n't have time to play games with someone at work where they are getting paid! All I wanted to know was why we could n't access our money.. it 's ridiculous!! I woke my husband up and he gave all the information they need he hands me the phone and I said a curse " word '' meaning finally.. the person said sorry ma'am you ca n't curse at me, when I did n't! And hung up on me!!! After I did everything they said!!! I 'm so frustrated that they could n't just tell me that they were having system issues and they are sorry about the inconvenience because in the end that was the problem.. system was down so my husbands card did n't work anywhere.

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 2022-09-14
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an Arhaus Credit Card through Comenity bank that provided a 0 % interest rate for 18 months. If unpaid in full at the end of the term, the interest from each monthly billing cycle would be charged. At the end of the term I tried logging in to my Comenity bank member site to pay my balance in full but the system was not working. After Bread Financial acquired Comenity, they recognized and reported that they were experiencing glitches with their systems. As a result I missed my payment deadline and the full interest of $ XXXX was charged to me. I called, email messaged and wrote a letter to Comenity disupting this but they maintain that the $ XXXX in fees is accurate. I have since paid my balance in full to avoid any additional late fees but I'm asking you to advocate for Bread Financial to refund me the interest. 

Secondly, when I paid my balance in full on XXXX, Comenity sent me another statement charging me an additional {$180.00} in fees on a balance of {$0.00}. I again had to call them and this time they agreed to waive the fee. 

I am incredibly disappointed in Comenity and there being zero consumer protection in these circumstances. Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: National Credit Adjusters, LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Exeter Finance Corp.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I bought this car in 2018 XXXX, first the dealership sold me the car charged me higher than the market rate of the car as I was the first tine buyer. Then the interest rate was given was 28 % because my credit score was low and I told them I want to use the car for XXXX/XXXX. The dealership did not give a choice on choosing the car either and took advantage of my situation, when I said that the interest rate is very high then they told me that you can refinance the car after Paying 8 to 12 installments. Which was a lie because the finance company they hooked me with refuse to refinance the car after I made 13 payments. Now due to coronavirus I am unable to work and asked for a gold on my auto loan which is not taken into consideration. I tried to refinance the car with other banks and credit unions but they refuse to finance this car as it is e most basic car has no options and the value of the car is only XXXX $ where they sold me this car for XXXX $ plus XXXX $ interest for 72 months. After paying 13 installments of XXXX $ and down payment of XXXX XXXX I still owe the finance company XXXX XXXX And on the other hand this has not even helped me with my work with XXXX/XXXX  as this cars fuel consumption is very high. While I was trying to get the car refinanced I have learned that the dealership has scammed me on the price of the car, the interest and also in rebate. I am stuck with this car and not getting any help from any bank or credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navy Federal Credit Union and all three credit bureaus must provide copies of any documents and any tests used to report the auto loan charge-offs. They must provide me a copy of any and all documents used as legal instruments to charge-off my account. Specifically, each of you must show, in yousr response, a copy of any and all promissory notes, including terms and conditions, used to justify placing auto loan charge-offs on my account. Note : If there are two different promissory notes, you must show them. NFCU and all three credit bureaus must address the charge-offs. The charge-offs and credit scoring must be reversed and removed from my account history and from my NFCU account, today. No frivolous responses will suffice. Justify what each of you have done, in accordance with credit reporting laws, XXXX  XXXX laws on charge-offs, and all pertinent laws. Confirm whether I have been removed as a member of the NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Wrong credit information on credit report debt should have been released and is still showing as liable as I have files bankruptcy. below is what is appearing on credit reportCIVIL JUDGEMENT IN BANKRUPTCY XXXX XXXX XXXX $ 0XXXX XXXX XXXX XXXX $ XXXXXXXXable after filling

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
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: Their investigation did not fix an error on your report

Complaint:
I requested investigation for the inquiries on my credit report TRANSUNION stated that Im at fault that they can not do anything for me. They refuse to investigate according to FCRA anything incorrect on your report must be investigated. TRANSUNION all they can tell me is that contact the creditor which Ive already done and got no respond.

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 2020-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX of 2019, I transferred {$1800.00} from my own personal XXXX account to my own personal Capital One Account. In that process I had accidentally switched the last two numbers of the account number and the wire was sent off, even though the last two numbers of the account number was switched I had put my own name as the recipient and in the notes I said " to myself ''. Capital One did not cross-check the names and it has now led to this mess. For the past 6 months I have called Capital One numerous times, I have gotten a range of answers including that they found the money and would send it or that they didn't know where it was. I don't feel like I have been treated properly as a customer and was continuously told that I had to wait until I called them a week later and they said they were still " working on it '' for the 6 months. That amount of money has been sitting in my credit account and they gather interest from it. The most recent note I've gotten from their call personnel was that they don't know what account it went to, but I have the account number of the mistaken recipient since it's my own with the last two digits switched.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Navient Solutions, LLC.
State: MA
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:
Navient is refusing to refund my federal student loan payments made during XXXX even though XXXX is directing them to do so!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I tried to open an account with XXXX and I was told that I alredy have an account open with my phone number. Then the day that I was supposed to get the installation I got a few calls from the company. I was told that I had a debt for $ 270+. This is impossible, because I 've never been with XXXX before. I 've only inquired about offers with them. On my credit report I 've seen bills for emergency medical resources. I 've got insurance that covers all my medical bills, so I do n't know where that came from. I 've even seen something for XXXX on there within the past year. I 've been XXXX XXXX XXXX since XX/XX/XXXX, I know it is n't me. I even saw something for XXXX that has the date of XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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:
XXXX and XXXX are 2 accounts that are negative and not opened by me. The credit reporting agency, Equifax and XXXX, both stated it was verified. I submitted a letter requesting that the verification be done again and not by computer verification. This letter was received by them on XX/XX/XXXX. They did not respond and now when calling they do not acknowledge receipt and refuse to remove those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
A debt from 2009, company periodically calls and attempts to start collections. Have notified them numeous times it was included in bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03
Company: WASHINGTON FEDERAL BANK
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/2016 we started the process for a short sale on our primary residence. This short sale was necessary because I had received an offer for a new position in XXXX California. The current housing prices had not caught up to what we owed on our house and with the cost of the sale, we would be short funds to pay down all of the liens. I submitted for and was approved for a HAFA short sale through XXXX Bank. Under the HAFA guidelines 2nd lienholders ( Washington Federal ) would be guaranteed up to {$12000.00} for the balance of the loan and the remainder would be forgiven by the bank. California legislature passed a law, SB 458, which protected the home owner from being pursued by a lender for the unpaid lien balance. We worked with XXXX and informed him of our circumstances, provided financial documents to show we could not financially make up the difference once the house closed nor would we be legally obligated. XXXX refused to take the {$12000.00} for the payoff of our loan of {$19000.00}. We had a buyer that was qualified and ready to move in, however it was apparent we would need to foreclose because of XXXX denial of the funds approved by the HAFA program. Toward the end of our short sale process the buyers, reluctantly, paid {$5000.00} toward our balance on the Washington Federal loan. This transaction was outside of the title proceedings because under the HAFA guidelines this transaction could not be on the title documents. XXXX again refused to take the {$5000.00} plus the {$12000.00} and forgive the {$2000.00} we had left on our balance. The only way XXXX would release the lien was if we agreed to continue making payments on the remaining {$2000.00} once the sale was final. Other than the document he created and we had to sign, we were not legally obligated to continuing making our payments as per SB 458 and HAFA guidelines. We submitted a copy of the signed document to XXXX Bank and they refused to proceed with the short sale because the letter violated state law ( SB 458 ) and HAFA guidelines. Our realtor received the {$5000.00} from the buyer and took personal money and paid off the Washington Federal balance so the house would not go into foreclosure. We paid her back from our moving expenses proceeds from the HAFA program. XXXX handling of this process were both unethical and unprofessional.

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 2019-12-11
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
COMPANY - ACE CASH EXPRESS RECEIVE THREATING PHONE CALL A WEEK LATER AFTER RECEIVING MY LOAN ONLY GAVE 11 DAYS TO MAKE 1ST PAYMENT INSTEAD OF 30 DAYS THAT IS REQUIRE BY LAW Illegal Debt Collection Threats and Harassment PUSHED INTO A CYCLE OF DEBT Threatening to charge extra fees and report consumers to credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a phone call and voicemail at XXXX XXXX Central Time from ( XXXX ) XXXX. The message was from Creditors Bureau Associates in XXXX, Georgia. When I returned the call, XXXX answered, requested my phone number, asked me to verify my first and last name, once I verified, she then requested my Date of Birth to verify my identity. I stated that I was not comfortable providing personally identifiable information over the phone to include date of birth or social security number for a call or service I did not initiate. She stated she could not provide information regarding the debt without me verifying my identity or it would be a violation of HIPAA laws. I am not aware of any outstanding bill or debt to any company, service or healthcare provider prior to receiving this call. I intend to file complaint to the company that forwarded my information to debt collections without contacting me first once I learn what company initiated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
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: Account status incorrect

Complaint:
On approximately   XXXX   XXXX    2017  I made the required payment and extra. On   XXXX   XXXX    2017  I made another payment for   XXXX   XXXX  2017,  it was applied to the principal. I spoke with The company  XXXX   XXXX   XXXX ,  XXXX  representatives on three occasions about  XX/XX/XXXX  payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On   XXXX   XXXX  2017    I reveiwed my credit report to discover that  XXXX   XXXX   XXXX  list the account as delinquent for sixty days. I called the company again and the representative hang up.

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 2020-04-09
Company: Synovus Bank
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a copy of my credit report and saw that an account was wrong. I previously sent a letter requesting they update me with a copy of my account statements and I received my Certified letter back in the mail last week that I sent on XX/XX/XXXX. I spoke with a rep and he said they can't provide the statements without me asking in writing. I explained what happened and he gave me an updated address. I have written letters to the company and the credit bureau since XX/XX/XXXX with no response on this account. 

I need a copy of my statement because I'm sure I paid on this account. I had XXXX children while working on my credit and that is why I fell behind but I know I put down a deposit to get the card and I paid more afterward. When I look at my report the information is different. The high balances and don't add up to the current balance when you consider the deposit. They are different for all the bureaus. They range from {$0.00}, {$140.00} and {$220.00}. There has to be something missing. 


I also called the collection agency that the rep told me to reach out to, to request the same info and they said that it is a prepaid debit card when it is a secured credit account. A prepaid debit card is different from a secured card. 

I feel like they are passing me around and I need help so I can buy my house. 

I would pay if it is shown I owe the account but they refuse to provide me with the statements and a letter with a balance isn't enough. The balance on the credit report doesn't add up and the balance that is on my credit report is different from the balance that the collection agency told me on the phone. The report says {$140.00} and the collection agency has {$140.00}. 

Can you all make them send me the statements for the time I had an account with them or is there anything that I can do?

Company response to consumer: Closed with explanation