BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-02-07
Company: U.S. Auto Credit Corporation
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The listed price for the vehicle is not listed in my contract, TILA wasnt disclosed, the mileage in the contract wasnt the mileage on the odometer, I was rushed into signing to discover the saleswoman printed my name on a page in the contract, I wasnt given the option to opt of GAP when I already had insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with my name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Belk/Synchrony Bank reversed a payment. My bank and I have a copy of the Cashiers Check that was cashed by Synchrony Bank on XXXX. My Banker and I have repeatedly faxed this Cashiers Check receipt to Belk/Synchrony Bank 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 2022-04-22
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: Their investigation did not fix an error on your report

Complaint:
I put in dispute with credit reporting agencies and one removed accounts from consumer report and others didn't and pursuant to 15 usc 1681c ( f ) it states that the credit agencies shall include the facts in each consumer report meaning that if one consumer reporting agency removed the accounts it shall be removed from other credit reporting agencies. Also I never give them purposes my written instructions to furnish these accounts pursuant to 15 usc 16881b ( a ) ( 2 ) clearly states that the consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER. If I never gave them my written instructions to furnish these accounts they never were to be on my consumer report. Referencing to 15 usc 1681n any person who willfully fails to comply with any requirement imposed with the respect to the consumer is civil liability for {$1000.00} per action. Referencing to 15 usc 1611 ( 3 ) whoever willfully and knowingly fails to comply with any requirements imposed under this subchapter shall be fined not more than {$5000.00} or imprisoned not more than one year, or both

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 2023-05-23
Company: EQUIFAX, INC.
State: TX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04
Company: CHARLES SCHWAB CORPORATION, THE
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/2019 a hard inquiry by Charles Schwab Bank was made without my authorization. I called them sent the bureau a request to remove it from my credit report. They did not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2020-02-01
Company: Navient Solutions, LLC.
State: NY
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 has begun ignoring the payment instructions I sent them again. The instructions were dated XX/XX/XXXX and were received by them on XX/XX/XXXX. This is the SAME PROBLEM I reported in my previous CFPB complaint XXXX about Navient in XX/XX/XXXX, where they told me and the CFPB that they WOULD follow my instructions. Please see the feedback I submitted to that previous complaint as well, as they are also relevant. 

As only one recent example, my payment of {$210.00} received by Navient on XX/XX/XXXX applied {$19.00} to Loan XXXX, {$100.00} to Loan XXXX and {$91.00} to Loan XXXX. The amount due on these loans were : {$19.00} for Loan XXXX, {$20.00} for Loan XXXX and {$18.00} for Loan XXXX ( total : {$58.00} ). According to my payment instructions, Navient should have applied my payment as follows : {$19.00} to Loan XXXX, {$20.00} to Loan XXXX and {$170.00} to Loan XXXX. All of the {$150.00} extra principal from my payment should have been applied to Loan XXXX, the loan with the HIGHEST interest rate and LOWEST balance. I have attached Navient 's loan information sheet that shows their miss-application of funds ( {$100.00} to Loan XXXX and {$91.00} to Loan XXXX   ) for this example. 

I've included the relevant payment instructions below that were also included in my previous CFPB complaint against Navient. 
-- -- -- I am writing to provide you with updated instructions on how to apply payments when I send an amount greater than the minimum amount due each month. Please apply my payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the principal balance of the loan that is accruing interest at the highest interest rate.

2. If there are multiple loans with the same highest interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance.

3. If any additional amount paid above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the principal balance of the loan with the next highest interest rate and lowest outstanding balance.

4. Do not put any loans into paid ahead status or advance my payment due date.

Retain these instructions. Please apply these instructions to all future overpayments.

-- -- -- If I have to submit any further complaints about Navient, I plan to ask for monetary compensation for the time it takes to submit all past and future complaints ( about 2 hours each ). This is a ridiculous waste of my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
To whom it may concern I bought a used car in XX/XX/XXXX and started to make payments in XX/XX/XXXX. In XX/XX/XXXX I became unemployed, informed the bank and requested a Covid19 repayment plan under the CARES ACT. I spoke to a specialist in the Customer solutions department and made my payments. The agreement was that all of the late fees would be removed for XXXX, XXXX and beginning of XXXX in order for me to make payments and get back on my fee. 
I requested fifth bank for my Installment payment history and I saw that all of the late fees were still there and nothing was removed. 
Aside from the above several late fees are being posted before my due date, which is on the the XXXX of every month. 
I have spoken to 8 representatives who confirmed that there is an agreement in the account, they see my calls, their access is limited since they are customer service representative and that the only people that can remove late fees are the customer solutions or the vehicle borrow assistance hardship department. 
I also spoke to another representative in XX/XX/XXXX and informed me that several times representatives promise and mismanage clients expectations or information to get payments. 
I require all of these late fees to be removed, require that my account be investigated and interest be assessed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
hello, I have recently became aware that a debit card I had canceled, and Citizens Bank reassured me it was canceled, Is still receiving charges. I have the new card that should be the only active card on the account/ card that appears on my account. in my hand. I have proof of the old card number, where the charges occurred. this is violating and I do not trust Citizens Bank anymore

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-26
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is breaking hippa laws I have not been to been to the hospital in over 8 years I have a family doctor They are reporting a fraudulent item on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Selene Holdings LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
This is the second issue last year I paid towards the principal. I don't know what happened to my extra {$200.00} but my payment increased. The rep told me it was only a few dollars more. I told her that wasn't the point. I complained to Selene but nothing was done. This year I received a notice that I could pay the escrow shortage again. I did pay it, they received o XXXX XXXX. Well they did the same thing. It was put in a suspense account. No one can tell me why. I put the slip in there about the shortage and the amount. They took it out of the suspense account. Several reps are telling me that I will need another escrow analysis. Why when I am paying the storage? This what I was told last year but they claim My mortgage wouldn't decrease if I paid to the principal. That was my first time hearing that. This is the worst company to have a mortgage with. But my mortgage was sold to them. I wish I could add attachments to this complaint. I contact Selene Loan resolutions and customer service on the phone a emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
According to capital one in making institution stated that I had several charge backs which came from reporting to the fraud department that I did not authorise specific charges in return the policy stated that I would get a phone call back from investigator and that a temporary credit will be placed on the account if it did not rule in my favour the money would have to be debited out of the account and Would be taken away from balance. Nobody ever contacted me from the investigations department and usually the money was approved and placed in my account without any problems. How 4 months after this happened while XXXX set up a personal account with XXXX XXXX and was brought to my attention that there was a reporting issue were capital one sent me over to XXXX XXXX in order to a retained some of their money. Have brought this to the attention of various supervisors and agents and also reached out to XXXX XXXX  there were tw o reports that were submitted to them and one in favour of the bank But when I was able to advise XXXX XXXX they should look into further and I was able provide As of now XXXX XXXX is consistently asking for a report and no resolution has made this is a great hindrance because as of now I have lossed several thousands of dollars and have not been able to recover from it due to the fact of not having a bank account Capital one can agree that I called in several times and also would have to try to resolve this issue I don't feel I have to pay the balance that is set forth due to the fact that they investigators agreed to give me my money back without any further questions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Jon Barry and Associates, Inc.
State: NC
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 pulled my credit report and Paragon was listed in collections. I have never received anything from them about a debt, and I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: NY
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 saw some inquiries on my XXXX and Equifax credit report. I sent them a letter in XX/XX/2022 to investigate the unauthorized inquiries on my credit report.. They said it is correct. I called them both the XXXX and Equifax in XXXX and in XX/XX/2022. They said they can't remove the hard inquiries from my credit report. There are 4 unauthorized inquiries on my XXXX report and 2 unauthorized inquiries on my Equifax report.. They said they can't help me with. It ' is having a bad effect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: AES/PHEAA
State: CA
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:
XXXX College is known as a scammer school that shut its doors on its students and left everyone in debt. 

I transferred out of XXXX College a year before it closed down due to the fact that I didnt believe they had given me the education they promised, they didnt train me properly, and they promised I would be finished in 2 years, which I absolutely wasnt. Nor was any of my peers. 

A year later they were shut down and I am stuck paying back {$100000.00} in student loan debt with no degree or certificate to show for it. I am struggling to make ends meet while still trying to get an education at a better school. 

I believe it is completely unfair that I was promised a good education by a scam school that eventually closed down and forgave the student loans of the students currently at the school. I was smart enough to leave to not accrue MORE debt, however, I am still paying back the loans caused by this school. 

I would like forgiveness of my loans from XXXX College or a giant percentage taken off at a better rate so I can pay back at least some and get this horrible school off my of record and off of my mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: AR
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 with all 3 credit bureaus asking XXXX XXXX XXXX to update my credit report to show that I paid on time between the months of XXXX and XX/XX/2020. They have all come back with a status of my account and credit report being updated. However, my credit report still shows that no data was received during those months, it appears that I was in deferment that long and I was not. I never agreed to a deferment, only a 2 month payment extension for the months of XXXX and XXXX, right around the time COVID-19 hit. I have reached out to the company as well and was unable to speak directly with the credit department. I feel like this was done intentionally to increase the number of customers that appeared to be on deferment during the pandemic for federal financial gain or assistance programs related to the businesses impacted by COVID-19.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: NJ
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: NC
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief