BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-14
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My minimum payments for all of my Navient student loans are set up to make it impossible for me to ever pay these loans back. 

Looking over my balances, I have several loans with a balance of {$1800.00} to {$2500.00} dollars and the payments are slated to end in XX/XX/XXXX. I graduated in XX/XX/XXXX. I should be able to easily pay these off, HOWEVER my minimum payment to Navient each month is {$950.00}. If I applied that minimum payment to one loan at a time I'd have 3 paid off in 6 months -- which would lower my monthly payment by {$100.00} A MONTH and save me a couple thousand dollars. 

I pay on time. I make XXXX a year with my sad degree. Unfortunately if I play by the rules I won't be able to own a home or afford my own car payment until I am XXXX anyway. So I'm taking matters into my own hands and taking the hit to my credit. I'm going to take my minimum payment and apply it to ONE loan. This will save me {$600.00} on that one loan and 7 more years of making $ XXXX   monthly payments on that loan to Navient. 

Attached you will see how many individual minimum payments I make monthly to Navient, 6 years after receiving my degree. 

My minimum payment due for the past 4 years has varied from {$850.00} to {$970.00} a month. I am not a doctor. I have a XXXX XXXX Degree. My father works for the XXXX XXXX XXXX and as he should, claimed me all throughout my college years. The amount of money the government believed my father of XXXX children should have had saved for me to get an education is absolutely ridiculous. I came out of school with over $ 80K in debt. This was career crippling. I couldn't move away to an area where I'd make more money. My monthly student loan bill was almost the size of my parents mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Capital One c/o Kohl 's ( Account Number : XXXX ) has violated my rights reporting my open-end consumer credit plan as 30-days past due as of XXXX ( XX/XX/2023 statement ) 15 USC 1681 Section 602 establishes my right to privacy.

15 USC 1681 Section 604 ( A ) Section II declares a consumer reporting agency can not furnish an account without my written consent.

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. 

Further, Capital One c/o Kohl 's , failed to notify the consumer the account was in jeopardy and would be reported as 30-days past due via telephone as standard and customary procedure. This has been verified with Kohl 's Credit Customer Service. Had a phone been made, as normal and standard procedure would stipulate, the payment would not have been past-due and immediately paid in full. 

As evidenced in the supporting documents, as soon as I became aware of the balance outstanding the total balance was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought my house for XXXX dollars on XXXX, I fixed it up and bring up the value of my house was XXXX dollars on Katrina hurricane XXXX I get the notice from my mortgage was my house will be for closer on XX/XX/XXXX. That time I rent my half of my duplex for XXXX /month. also I have to be in California to take care my Mother, while I filed the Conservator for my Mom go back to Virginia to live with me. The next day of for closer I called my mortgage about my house, the company told me no body buy my house. I came back to my house on XX/XX/XXXX I met a man in my house, he told me He just bought my house today for XXXX dollars. I asked my tenant XXXX what? why? he said on XX/XX/XXXX HE GOT LOCK OUT OF my house since.

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 2023-05-19
Company: EQUIFAX, INC.
State: FL
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  accounts : ( XXXX ) XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXXXXXX 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 2020-02-13
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I presently have a XXXX  XXXX XXXX on lease. I have made every payment on time and the attached copies of checks prove it. However Hyundai continues to bill me incorrectly as to the due date AND the total payments made and amount due. 
I have tried speaking with them on over ten occasions. EVERY time, I was disconnected. Their automated attendant asks for critical info and Im told that none of it is transferred to a live person. Why put a customer through that? That in and of itself is abusive to everyone who is trying to resolve a problem. Over the past fifty years, I have dealt with thousands of financial companies/payments, and I have never - EVER come across such blatant disrespect and disregard for the customer. I have sent letters and documents supporting my case and I never was even giving the curtesy of a response. I was just on the phone with them for 52 minutes. This was the last straw, which has driven me to contact you. I was trying to locate an individual who I might send my documentation to. but a responsible party does not exist in their world. Although, Ive never contacted you before, am I glad that you exist. Hyundai Finance obviously thinks that they can do what ever they want, and completely ignore the consumer. If possible, I would ask you to act as me, so that you may gain an accurate account of what they do to a consumer. In addition to check copies, Ive attached a few dunning letters. Notice that one ( as with all previous correspondence ) states the due date as the XX/XX/XXXX. In fact my contract ( copy attached ) clearly states the XX/XX/XXXX. 
I am happy to speak with whomever may be assigned to the case.

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 2018-05-14
Company: Pacific Union Financial, LLC
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Per the Servicer, I do not qualify for a modification because of something in my credit report. After pulling my credit report and filing an appeal for another review, I was notified that it had nothing to do with my credit and now I don't make enough for assistance to keep my home. 

Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX 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 ( XXXX ) to be in error : The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX DE XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX DE XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX MD XXXX Previous Address ( es ) : XXXXXXXX XXXXY XXXX XXXX XXXX DE XXXX The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXXDEPT OF ED XXXX XXXXDEPT OF ED Date : XX/XX/XXXXXXXX XXXX XXXX  I Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. In accordance with the Fair Credit Reporting Act Accounts and information above, 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 a account without my written instructions. 





Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: NV
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:
Dear CFPB, I am a natural person and a living human being with rights protected under 15 USC 1681. I am filing a formal complaint regarding my credit report, as I believe that the consumer reporting agencies are violating my rights and the Fair Credit Reporting Act. Specifically, I demand the immediate deletion of the following accounts, which were furnished to the consumer reporting agencies without my permission : XXXX XXXX XXXXXXXX XXXX XXXX XXXX These accounts violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies have violated my rights several times, which is prohibited under 15 USC 1681.

I want to draw your attention to the following sections of the Fair Credit Reporting Act that support my complaint : 15 U.S.C 1681 section 602 A : States that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency c

an not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section : States that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : States that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Furthermore, I did not authorize the following companies to pull or look at my credit, and I believe these inquiries to be fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Auto Dealers, Used XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, Used 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 VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Non-specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OR, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2018-08-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I went to both XXXX and XXXX dealerships looking for a vehicle. First, XXXX told me by running my credit report, multiple lenders would request my report. There wqere some vehicles that lenders would not approve me on, so the sales rep and I looked at financing for different vehicles. I was told by the sales rep that multiple hard inquiries would not hit my report. Well, I have several that are on my report that are effecting my credit. 

At the XXXX dealership, they said they did not have to run my credit because I provided my credit report to them. They ran my credit and I had hard inquiries on m y credit report, without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 604 A Section 2 : It also states a consumer reporting agency c furnish a 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Resurgent Capital Services L.P.
State: WA
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:
Hello- I just logged into my credit reporting account and there appears to be a collections on my record. I do not have an agreement with LVNV FUNDING LLC and do not know why this shows up on my credit report! This collections record shows up as having been in effect since XX/XX/2023 and I see that this collections record has been documented as of XX/XX/2023. I want this erroneous collections record removed from my credit report removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: LA
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:
A lot of inquiries that I have not approve. With Equifix, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXX XX/XX/ 15 U.S.C , 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-03-27
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:
I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to challenge the inclusion of inaccurate and faulty accounts on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any incomplete or incorrect information on my credit report. After reviewing my credit report, I have identified multiple accounts that contain inaccurate or false information. The accounts in question are : XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1400.00}. I am requesting that you investigate this issue and correct any inaccuracies that you discover, in accordance with Section 611 of the FCRA, which mandates that credit bureaus investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, Section 609 of the FCRA requires credit bureaus to provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector contacted me by mail on XX/XX/2022, and claimedI am responsible for a debt in regards to an apartment lease. The letter provided on this date claimed I owe a debt of {$2600.00}. I responded to this letter disputing the debt and requesting additional information as required by law. 
In response to my letter, I received additional correspondence on XX/XX/2022, restating the alleged debt amount of {$2600.00} and listing the original creditors information. This letter also mentioned a 2 % interest fee that is not outlined or agreed to in any of my contracts, or agreements. 
On XX/XX/2022, the apartment complex sent a final account balance to me via email. This invoice reflected a total outstanding balance of {$2600.00} which included an Early Termination fee of {$1700.00}. After much back and forth via email and phone, apartment complex representatives finally conceded that we should not have been charged for both the cancellation fee and the rent responsible fee. At that time the rent responsible fee was removed from the final account balance. 
On XX/XX/2022, an apartment complex representative sent a final account balance via email which reflected a total outstanding balance of {$1900.00}. This statement included an Early Termination fee of {$1700.00} and allowed for 30 days to pay any outstanding balances. Neither final account balance provided reflects the correct amount of the cancellation fee based off the Notice of Intent to Vacate signed by all parties on XX/XX/2022. 
A letter stating the above was mailed to the debt collector in XX/XX/2022. Included in this correspondence was supporting documents. On XXXX XXXX the debt collector sent another letter by mail stating that their duty to provide verification has been fulfilled and that they would not respond to any additional requests. To this day, they have not sent the correct total owed but continue to charge me interest. On XX/XX/XXXX, my husband contacted the debt collector by phone and was told the debt amount is valid. While on the phone, I logged into the apartment complex portal and am able to pay the lower amount directly without interest. Im confused why a debt collector is refusing to acknowledge that their amount is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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 non-monetary relief