BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, I contacted XXXX XXXX mortgage about a hardship we were experiencing. I was told to fill out an application and send it in. I quickly got an email right away to fill out the forms. I contacted them the next day to have them explain what the forms were for and how it worked. I was told that once the application was accepted, we would not be at risk for foreclosure, late fees, or being reported to the credit bureaus. I asked for something in writing at that time and was told it would come in the mail in the documents I received once our application was complete. When I received the letter in the mail saying the application was complete there was nothing in there about late fees or credit reporting, only about the foreclosure. 
After my application was fully turned in and complete I contacted the loss mitigation department. I called on XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was trying to get verification in writing that the account would not be reported and I talked to a few people who assured me it would not, one person was going to send me an email with the information but our call was cut off and when I called back the next person said that it was not guaranteed not to be reported but could not give me a definite answer on the negative either. I asked for something in writing stating it would be reported and was unable to get that either. I eventually got someone who stated that it will likely get reported and I explained the situation. She told me that due to the information I was given that if it did end up getting reported to contact the research department to have them adjust and correct it so that it does not report. 
In late XXXX is when I noticed that it had reported to the credit bureaus and contacted the research department only to be told that they would not change it because at least one person told me that it might be reported they were going to keep it as is. We entered into a forbearance as of XX/XX/XXXX and so I contacted them again once that was official and stated again, that we were now in a forbearance from the application that was deemed complete as of XX/XX/XXXX, prior to any late payment, and we would like the adjustment made. They explained that it would not be adjusted as the forbearance was only from XX/XX/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 2017-07-15
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 status incorrect

Complaint:
My husband had filed for bankruptcy back in XXXX of 2011. His bankruptcy was discharged in XXXX of 2011 which I have documents for. All of his debt were on credit cards and he was a primary on the XXXX XXXX credit card and I was the secondary. His balance was forgiven and this still shows up on my credit report when it should not and is affecting my credit score significantly. I spoke to XXXX XXXX XXXX  personal banker near my house whom I know and after a day of reviewing it with the branch manager they concluded this does not show up their banking system and no payment is necessary. The balance is around XXXX dollars and was forgiven due to my husband filing for Chapter XXXX bankruptcy. Can you please have the XXXX credit bureau 's take this off my credit report so if does no have an effect on my score? 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 explanation
Consumer complaint received 2017-07-15
Company: National Credit Systems,Inc.
State: FL
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 've contacted National Credit System for 3 months prior to a previous certified letter I 've sent out a month ago pertaining to a fraudulent account on my credit report by the name of National Credit System and   XXXX    have failed to assist me with this situation and have caused a great deal of problems to me and my life. Both companies are failing to respond to my letter and have n't sent me anything to show me that they took the proper steps to verify any documents or signatures pertaining to myself. This is an error and it is fraudulent which breaks many laws in the FCRA. I was never contacted at any time when these accounts was open so I do n't know why they continued to report and verify an account that is n't mine. I received several thereatning calls from the creditor and I do n't think thats professional and I do n't want this company to contact me anymore by phone or email.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX the Consumer sent a Notice via U.S. Certified Mail return receipt request to XXXX XXXX XXXX XXXX, the original creditor. XXXX XXXX XXXX XXXX, stated they sold my account to Jefferson Capital Systems LLC. , on XX/XX/XXXX. I have rescinded the security interest agreement obtained with deceptive language and forms by the XXXX XXXX XXXX XXXX. This is NOTICE to Jefferson Capital Systems LLC., to rescind the security interest agreement they acquired without my consent. Both XXXX XXXX XXXX XXXX. and Jefferson Capital Systems LLC., have committed securities fraud, identity theft, trust fraud, and transferred stolen goods across state lines ; I did not consent to either party in the releasing or selling of my private information. The 20-day process as required pursuant to the CFPB begins the day the Jefferson Capital Systems LLC. , receives notice of this " security interest '' rescission. Both parties are liable to the Consumer for the damages, fraud, and losses caused pursuant to 15 USC 1640 Civil Liability. " My Security Interest is Non-Transferable ''! I am the holder of the majority and priority interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am items connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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

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 2017-05-19
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice in the mail regarding a debt for utilities for a property I lived in ove r two years ago. I called CBE to let them know that I had no outstanding debt with my utility company and that thi s is the first hearing about it since I moved. They told me they were the third company to receive the collection. Again, this is the first collection attempt I have received and I have not moved since. Not only that, but there is n't anything regarding this " collection '' on my credit report. Not now, not at any point in th e past two an d a half years. They told me to mail them a dispute letter in the mail, but it will probably be ineffective since they are the third company to receive my " debt ''.

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 2017-05-19
Company: FORD MOTOR CREDIT CO.
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 status incorrect

Complaint:
On XX/XX/XXXX at XXXX XXXX I called XXXX XXXX at XXXX XXXX XXXX and spoke to XXXX EXT : XXXX to inquire about the late payments that occurred on my account after the account was closed. XXXX Advised that she could not see any of the late payments that have been posted onto my account. Upon doing an annual credit check I noticed that I had 2 late payments for the months of XX/XX/XXXX and XX/XX/XXXX. My account was closed in XX/XX/XXXX due to a motor vehicle accident that left my vehicle totaled and my account was closed in XX/XX/XXXX. I wrote the company to dispute the 2 late payments that had been put on my account after my account had been closed and instead on XX/XX/XXXX they posted another late payment to my account for the month of XX/XX/XXXX, 8 months after the alleged late fee occurred which caused my credit score to plummet almost XXXX points. Further more the name is reported inaccurately on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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.

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 2017-07-15
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I became ill and missed full payments. I spoke to someone in XX/XX/XXXX  who told me to call back in  XX/XX/XXXX  to reset my loan. I called and was told I would receive an email. I kept calling but never received an email. I was verbally told the loan was reset however they still owed my {$2000.00} for a fake warranty place on by the dealership, I have been fighting to removed. I was never told or requested the warranty. They never sent anything. The car was repo  XX/XX/XXXX , I did not receive a notice about the sell of the car or how to get my items out of the car. As of  XX/XX/XXXX , I still have not heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XXXX, AMEX increased my credit XXXX from XXXX XXXX XXXX XXXX XXXX. They said it had to do with a decrease in my credit score with XXXX. However, when I checked, I did not have a decrease in my score. I called AMEX to challenge the credit XXXX increase and was not able to get anyone that could change the XXXX back to a more reasonable level. They could not tell me the credit score that I needed to have to reduce my XXXX and they could not/ would not change my XXXX back to the previous XXXX XXXX number. I have been with AMEX for XXXX years and make > $ XXXX. I could not understand how they would treat a good customer like me in this way. There was nothing I could do to talk to someone or change the XXXX. Very frustrating. I would close the card, but the impact to my XXXX XXXX would be quite negative as I have a $ XXXX credit line with AMEX and XXXX {$2000.00} in balance at this time. I always understood that we should be able to call a credit card and they should be able to tell us what credit score we needed to have to change the XXXX. AMEX is clearly not following this and should be investigated for it's deceptive practices serving customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: AES/PHEAA
State: PA
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 called fedloans in XXXX because I could not afford my monthly payment as a new teacher with XXXX kids. They did not offer to check my eligibility for an IBR, they told me to submit a forbearance. Then, I started my masters in fall XXXX, they did not tell me that my loans would automatically go into deferment. Deferment was not my choice and forbearance was psyched on me. I worked with an eligible employer since XXXX and my payments should have been {$0.00}. In XXXX, they advised me to consolidate my Loans. They did not tell me that o could opt out of deferment and back date it. They fail to acknowledge giving me misinformation. Please take this opportunity to understand that I was pushed into deferment and forbearance without the proper information for PSLF. All I ask is that they review my case and apply my years of service to my count.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ive been with XXXX XXXX XXXX  for over 20 years. They really charge me left and right from Mortgage account to credit card to debit card. Extra fee never receive my reward and so on.

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 2022-02-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Unable to open bank account 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 2017-05-19
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is currently reporting a reinserted debt on my credit file from  XXXX   XXXX . It was first reported in  XXXX  ( report #  XXXX   XXXX . I disputed the debt with  XXXX   XXXX  through the CFPB on  XXXX / XXXX / XXXX . it was then deleted. now in  XXXX  the debt is re-reporting on my credit report. This is a violation of my rights and the credit laws. I tried disputing the reinsert with Experian was given the response that it was verified. I contacted  XXXX  and was never given a  XXXX . this account is not mine, i never opened an account with  XXXX . i have not received a response from  XXXX  and the dispute was submitted on  XXXX / XXXX / XXXX . This debt was removed from all other credit bureaus but Experian is still reporting it after it was previously deleted in  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 2017-05-19
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have no problem paying the assessed fees. My concern is when you are on the automated system and you are paying your loan, the message states the amount includes any fees that are owed. You submit the payment with the impression that the fees are paid. I found out today that the fees are still outstanding. The employee I spoke with indicated that " sometimes the system does not pay the fees and applies the amount to the payment. '' I have still received benefit, I understand that. But, you think the fees are paid and then they are not. At the end of the loan you could have several fees outstanding that you think are paid based on the fact that the automated system said they were. I think this is a deceptive practice and could cost a consumer at loan of money at the end of the loan if they were not diligent. Yes, it is the consumer 's responsibility to read their statement, but the practice should match what their system said is going to happen. Please have Chrysler Capital update their automated system to match their business practices. The employee I spoke with today said that she would have to submit a request to have the funds moved, so they will correct it, but it should not happen that way. As I stated, I feel this is a deceptive act under the UDAAP guidelines, as the consumer could end up paying additional money as they thought the fees were paid and if they just move the funds to cover the fees, it could change the payoff amount at the end of the term. I did explain to the employee that I felt this was deceptive and I would be filing a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: AR
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 have already sent a letter to the Experian, XXXX, and XXXX Credit Bureaus last XX/XX/XXXX requesting a verification and deletion of information on my credit file which I found to be fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.

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 2023-10-13
Company: MOHELA
State: OK
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:
I shouldve qualifier for public student loan forgiveness in XXXX of this year. However, on the MOHELA website, my payments are missing from XX/XX/XXXX to XX/XX/XXXX. I was not in forbearance. They show on the US student aid site. I made payments all throughout that time.

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 2023-04-20
Company: Global Lending Services LLC
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:
On XX/XX/23 I contacted all XXXX credit bureaus notified them of the unauthorized inquiries but couldnt receive a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with them nor have the ever provided me with goods or services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Genesis FS Card Services, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the 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