BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-13
Company: Credit Service International Corp
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We are filing complaint against Credit Service International, XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX and XXXX  XXXX/XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX, MN XXXX. 
( 1 ) Furniture was fully paid in the amount of {$2400.00} on XX/XX/19 promising that every item we bought was in stock and will be delivered together on XX/XX/19 ( 2 ) Delivery not made as promised ( 3 ) Delivery made piecemeal ( 4 ) Delivery contained damaged items ( 5 ) We were made to call customer service who were as rude as XXXX ( 6 ) Unilaterally cancelled paid extended warranty with false and baseless reasoning knowing that furniture is for home in XXXX, XXXX   and stating that as customer is moving to XXXX  even though it is nationwide coverage ( see attached copies ) ( 7 ) Why did they cancel extended coverage that we had paid for? 
( 8 ) Why did they lie? 
( 9 ) Charge for extended warranty {$340.00} had to be disputed because of unilateral cancellation by XXXX XXXX ( 10 ) XXXX XXXX had audacity to cancel warranty unilaterally but did not have honesty and integrity to give us refund. 
( 11 ) They finally refunded the amount to Credit Card Company and Credit Card Company issued us credit for {$340.00} on XX/XX/19 ( 12 ) With our persistence replaced sofa and chaise but still delivered damaged merchandise ( 13 ) My mom had to extend her stay in XXXX incurring additional expenses ( 14 ) Issue of damaged sofa and Chaise has been going on since first delivery on XX/XX/19 ( 15 ) Damaged Sofa-Chaise had to be replaced multiple times and still they could not deliver undamaged merchandise ( 16 ) We were forced to deal with most unfriendly customer service ( 17 ) We were forced to dispute charges ( 18 ) XXXX XXXX had our money and they did not have to resolve dispute. 
( 19 ) XXXX called demanding payment ( when he already had {$790.00} ) saying he has resolved dispute and began threatening and harassing on phone including entering my home and taking every piece of paid furniture. 
( 20 ) XXXX and XXXX XXXX resolved the dispute by giving unconditional credit. There was no quid pro quo. 
( 21 ) As per the letter dated XX/XX/19 submitted by you from XXXX, XXXX, the disputed amount of {$790.00} was debited. 
( 22 ) If they were going to exchange the furniture why did they resolve the dispute with credit card company? They had the money since XX/XX/19 ( 23 ) If they wanted money, why resolve the dispute and then turn around demanding money and threatening to enter my home take every piece of furniture even though it was paid for ( 24 ) The letter dated XX/XX/19 that you have enclosed contains false statements ( 25 ) Turn us over to collection agency even though credit was issued ( 26 ) They can not be allowed to keep doing whatever and however they please.

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 2022-03-23
Company: Applied Data Finance, LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: AUDIT SYSTEMS,INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I recently had my Identity stolen and reported it to the police. A collection company called me concerning a check i did not write. They made me give my address which is something i did not want to do. They were rude and then wanted me to mail them a copy of the police report. I asked the rude lady to email me the address and she said they could not email and was rude and acted like i was the criminal. I am a stand up citizen who is a 20 year XXXX who had a credit score in the XXXX before the theft. I will not be badgered or spoken to in that tone by anyone expecially someone who collects debts for a living.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 2017-05-26
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
After years of paying this account now the payments are being applied to interest most of the time and this is different from previously.
Also, recently I was issued an insurance check by my insurance company for hail and wind damage ( see attached check ). Wells Fargo asked me to mail the check to them. The first time I sent the check I did not endorse it but sent it overnight express. This was in XXXX 2017. Wells Fargo sent the check back to in regular mail, I endorsed it and sent it back to them express mail overnight again. The check was to me via regular mail, my signature had been stamped Endorsement Cancelled. I thought it was because I had signed twice because I am the POA for my husband nd had to sign as his agent. I deposited the check into an a shared branch of my credit union. The check was put on hold for 7 days. Then I learned it was returned because Wells Fargo had stamped Endorsement Cancelled. When calling Wells Fargo again, about the same check it had been miss-logged and was attached with our other home. Speaking to XXXX I felt as if they did not even believe they had sent the check out a second time. Especially when I asked if they made copies of the front and back of the check. Now they know they made mistakes on the processing of this check which had to be cancelled by the insurance company and reissued. But here I the kicker, Wells Fargo still wanted to hold the new check in an account and issue increments because they were misinformed as to what the claim was truly for. They were working from the standpoint of mold but the check was issued for hail and wind damage. Now we are into over a month of the back and forth with the check and still Wells Fargo Wanted to control the process. It was not until my insurance agent was on the phone and brought out the fact the check was issued for wind and hail that the process was altered. Then Wells Fargo would not allow the check to be issued without their endorsement after all we have been put through on errors made by their staff. This company has taken money from our account, take monthly payments and applying the bulk of the payment to interest versus principle and now this ordeal with the insurance check. They believe after so many errors, they can say you can now take the check into a branch and have them call us and the branch can endorse the check. No one understands how this could have cause us problems because it makes it look as if we were trying to commit fraud because Wells Fargo cancelled our endorsement on the check that was issued by another financial institute issues to my husband and me from premiums paid to our homeowners policy from funds paid by us. I feel it is retaliation because I have filed so many complaints against this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender is in violation of RESPA due to not postponing the FC sale set for XXXX/XXXX/17 - as of XXXX/XXXX/17 the lender deemed the package complete and are not requesting any docs for the review - Sale should have been postponed around XXXX/XXXX/17 when they stated the package was complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing this because XXXX and Experian Pursant 15usc 1681b ( a ) did not have my written consent to furnish or report anything outside the permissible purpose and they did not send any required disclosures before they reported some negative accounts XXXX XXXX and XXXX XXXX of {$460.00} to my file. Futhermore, I sent the debt collector ( XXXX XXXX XXXX ) a cease and desist letter certified mail XX/XX/2022 ceasing all communication with me including my consumer report which is considered a medium ; I demanded for deletion for the accounts because them reporting anything is indirect communication. I cc XXXX and Experian in my letters and sent certified mail on XX/XX/2022 to both agencies. They are very well aware of the cease and desist letter because it was received XXXX XXXX and they are continuing to break the law as it is a violation of my rights as a federally protected consumer. XXXX and Experian failure to properly investigate.

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 2022-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed a total of 18 fraudulent transactions on my account on XX/XX/XXXX totaling XXXX, claim number is XXXX. During the initial reporting process on the XXXX, I attempted to send the police report I filed for these charges. I was also forthcoming about what the police department said ; they said it may be skimming because it happening in the area. I let them know I don't have the card at all, and they said it sounds like fraud. Still, the rep insisted they did not need the police report or any documentation. I called on the XXXX of XXXX to check on my account and why my funds were not available after FRAUDULENT charges occurred. I did not authorize anyone to use my card nor give anyone my pin number. They told me I would have my money back by the XXXX of XXXX but when I called today on the XXXX, I was told my claim was denied. 

I have no idea how it can be denied. I told them it is fraud, I did not give anyone permission to use my card. They asked for 'more information ' to do a second review but was not specific on what the more information was. The rep then requested I do another police report. I then told him to document I will be sending in the new police report, a copy of my CFPB report, FTC report and my letter of demand which is my intent to sue if they do not give my money back. 

According to the website it states : My contactless Capital One Debit XXXX comes with {$0.00} Fraud Liability, so you won't be responsible for unauthorized purchases if your debit card is lost or stole. This has not been upheld which is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 REVIEWED MY CREDIT REPORT AND I DON'T RECOGNIZE THE INQUIRIES

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 2022-03-23
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing this because XXXX and XXXX Pursant 15usc 1681XXXX ( a ) did not have my written consent to furnish or report anything outside the permissible purpose and they did not send any required disclosures before they reported some negative accounts XXXX XXXX and Midland Funding of {$460.00} to my file. Futhermore, I sent the debt collector ( Midland Funding LLC ) a cease and desist letter certified mail XX/XX/2022 ceasing all communication with me including my consumer report which is considered a medium ; I demanded for deletion for the accounts because them reporting anything is indirect communication. I cc XXXX and XXXX in my letters and sent certified mail on XX/XX/2022 to both agencies. They are very well aware of the cease and desist letter because it was received XXXX XXXX and they are continuing to break the law as it is a violation of my rights as a federally protected consumer. XXXX and XXXX failure to properly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I applied for a car loan with Bank of Hawaii in XX/XX/2016. I decide to check my credit report to see if the loan was reported to the credit bureaus ( building my credit ). Upon me checking I notice the amount reported was different than the amount I signed my contract for. So I got on the phone to contact someone from Bank of Hawaii to see why my balance was different from what was agreed to in my loan contract. As soon as I started explaining I was told this always happens and I just need to file a dispute with the credit bureau. After filing a dispute with XXXX the amount adjusted was still wrong as reported by Bank of Hawaii and higher even with my payment I had submitted. I called BOH again to see if I can get a breakdown of my payments sent to me up to final payment and was told no. So I decide to file another dispute to see if I can get the balance reported corrected via XXXX. Again the amount reported came back wrong and my credit score took a dip down on both reports. Last week Bank of Hawaii finally reported the correct amount to both credit bureau that was on the contract I signed. But this time when they reported it, my payments made were not reported and my credit score took another dip down. I call Bank of Hawaii today to see if we can get this fixed where its shows what I received via my loan statement as up to date. And again I was told that I will need to file a dispute via the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: SUNRISE CREDIT SERVICES, INC
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Have been harassed and bombarded with numerous daily calls from Sunrise Credit Services , Inc after explaining multiple times my status. I had a pipe freeze and burst and spent over {$700.00} in repairs and am now behind on my payment. I explained this to numerous reps who continue to call my phone and get the same response " ok we will make a note of that '' next day I get yet ANOTHER call. My current phone record shows as follows ( XXXX ) @ XXXX rec 'd call from Sunrise Credit Services Inc ... @ XXXX I called back and explained my situation and that I get paid biweekly and will pay next month when I am able to. 
( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ... @ XXXX I call and explain the SAME thing and get the SAME response " ok we will make a note of it in the system thank you '' ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc, I called back at XXXX and told them I have already spoken to them this week and that I will not have a different answer than what I have already given. I also told them this is considered harassment. " We will make note of it in the system '' ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call and voicemail from XXXX XXXX at Sunrise Credit Services Inc . I call back @ XXXX and speak with XXXX , I express it is very frustrating to receive DAILY calls over the same thing when I already made a statement. His response was " well you said you 'd pay next month and it 's next month '' MIND YOU ITS ONLY THE XXXX OF THE MONTH!. I told him the month has just started and I get paid biweekly and that these phone calls are harassment, he hung up the phone on me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, I hope you can help me with this problem that I am having with the credit bureaus, especially with XXXX. 

It turns out that I have been sending letters to their offices to investigate certain accounts reported in my report, but the only thing I have received in return is being ignored by them, I have been sending them letters for about 4 months and they still do not deign to answer me. I am tired of trying to repair my own credit and not seeing any results. 

In addition, XXXX sent me a letter saying that they had " Suspicion '' that I was working with a credit repair company, to which I sent them a letter in response. 

I feel that they are playing with my time and credit since in the first letter I attached my ID and a Bill as they indicate on their website.

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon reviewing an updated copy of my Credit Report, it is clear that the Credit Bureuas have done nothing in order to completely remove the items I previously disputed. I sent a letter to the Credit Burueas on XX/XX/2022 with intent of having the fraudulent items be removed from my Credit File. I have read that the Credit Bureaus are required to remove any accunts and information that a consumer identifies as an item incurred due to Identity Theft. The items I am disputing do not relate to any transaction that I have made or authorized, neither did I received any benefits from the theft. I am submitting this complaint in hopes that the Credit Bureuas woulkd eventually take action and have the items investigated and removed from my Credit File. The following items must be removed from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$2700.00} US DEPT ED XXXX Balance Owed : {$3700.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed : {$0.00}

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