BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: TX
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, Could you please remove account ( attached to identity theft report ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit file, as this is not my account, I've tried to reach out to the company itself but Im unable to reach anyone via phone. Please remove this from my credit report immediately as this account is affecting my credit score. Also, please remove the unauthorized inquiries attached to the identity theft report as well.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have contacted the consumer reporting agency several times to inform them that there is information from a company called XXXX XXXX on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report this company and they are aware of this. This is aggravated identity theft.

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: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One had a data breach in XXXX. A class action lawsuit was filed and I just found out about it. I called the company 's listed number for the settlement ( XXXX ) today - XX/XX/XXXX. The representative on the phone told me I am not showing in their database. I had them check my maiden name, which is XXXX and she was able to find me in the system. I changed my last name 6 years ago and updated the company and cards at that time. That was odd to me, that my last name was not updated. 
The representative confirmed with me that I was in fact affected by the data breach, and that I should have submitted a claim. She claims I was sent and email. I told her I never received an email. She said it was sent to my email, which she and I both confirmed was accurate. I went through all of my emails ( which I always archive if they have to do with banking/credit cards/payments/notices ) and I never received one. She told me that it was too late to file a claim, as the due date was XX/XX/XXXX. 

I don't understand how they can easily find me to market to me, send me credit card offers in the physical mail, remind me to pay my card, and confirm payments, but not get in touch with me to let me know that my data was compromised and that I was entitled to settlement money. 

There are a lot of folks that are just now hearing about this, and have the exact same experience as myself. I have two credit cards with Capital One, and both of those accounts have been open for over 10 years. I feel like this was purposeful negligence and I would like to be able to submit a claim or be compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: Kashia Services
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had filled out an application for an installment loan with this company on XX/XX/18, and after speaking to a representative, no further contact them was made on their behalf indicating if the loan was approved or denied. On XX/XX/18, I received a deposit from Oxford Funding in the amount of {$320.00} dollars. Had this lender contacted me prior to deposit, I would have denied this installment loan, as I had no need for it. Upon reading the agreement on their website, I then found an absolutely absurd interest rate that would result in a total repayment of {$1900.00}. I then contacted them to speak with someone about settling this debt, and was told that I would be charged per the agreement and other than paying off the total repayment amount, there was no other way to settle this debt. After doing research, I have found that this company is not even licensed to do business in the Commonwealth of XXXX, and after repaying above and beyond the principal as seen in the evidence provided, I feel that this debt is paid in full, and that repaying anything more beyond what I have already paid is essentially the same as throwing money away. Any help in this matter would be greatly appreciated. I have attached screenshots of the website showing the amounts paid, as well as my bank statement from XXXX showing the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have 8 student loans that are reporting on my credit report and my social security number under the accounts are incorrect. The accounts are listed below. 

DEPT OF ED / XXXX - {$5900.00} DEPT OF ED / XXXX {$3300.00} DEPT OF ED / XXXX {$2800.00} DEPT OF ED / XXXX - {$2700.00} DEPT OF ED / XXXX - {$2500.00} DEPT OF ED / XXXX - {$2300.00} DEPT OF ED / XXXX - {$1400.00} US DEPT OF EDUCATION XXXX {$910.00}

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
Consumer complaint received 2021-08-08
Company: DOAN SOLUTIONS
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I tried to fix my credit report through getting my student loans under control. I got a hold of down solution s they promise to fix my credit for a fee I payed XXXX up front. And after a month nothing happened with my student loans to improve them I then found out down solutions is a scam. I went to fasfa myself got my student loans under control for free. And now they are saying I owe them XXXX for work they never did, because it's a scam. I took care of my student loans for free my self. I also got a email and letter saying if XXXX isn't payed it is going to harm my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In 2019 I was contacted by Federal Loan Servicing and told I qualified for student loan forgiveness. I went through their application process under the impression I would have majority of my loans forgiven. It was a scam. They charged me {$8000.00} and set me up on a payment plan I can't afford. I didn't realize this practice was illegal when it happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-19
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX Toyota financial service XXXX XXXX XXXX, XXXX, Az XXXX To whom it may concern : I have been with the company since XXXX XXXX i have had 3 accounts with you guys all in good standing during that time, I have enjoyed our experience with Toyota financial service, greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on the above reference account before covid-19 i was an exceptional customer, hopefully the Carest Act, also i have experience a death in my immediate family I would like to reconsider removing the negative payment history from my credit report .At the time of the late payment my hours were cut short so I went from working XXXX unexpectedly. This is not to justify why the payments were late, but rather show that the late payments are not a good indicator of my actual credit worthiness. I hope the XXXX XXXX XXXX is willing to work with us on erasing these marks from my credit report. 

I have been a very happy customer in the past. I hope to continue a long relationship with Toyota financial service with today 's industry being so competitive. I know how important it is to keep a good relationship.I highly recommend it to all my friends. I look forward to your reply. 
Thank you in advance. 

In accordance with the 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 section2 : It also stated that consumer reporting agency can not furnish account without my writing instructions 15 usc 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In addition to my complaint on file XXXX, the town has responded via email. XXXX XXXX from the XXXX tax collector : " Good Morning XXXX, Per your request after our telephone conversation today, I am attaching all documents concerning the tax abatement and refund to the above tax account XXXX. 

This refund request will be submitted at the XX/XX/XXXX monthly City Council Meeting where it is most certainly will be approved. This will produce a physical refund check that will be mailed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

The check should be mailed out of our office approximately the last week of XXXX or first week of XXXX. 

As you can imagine, XXXX is a tax collection month which keeps our office very busy and refunds of abatements and overpayment 's follow. 

If you have any questions, please feel free to contact me. " On numerous phone calls I was advised by XXXX XXXX that their abatement department would be reaching out to the town of XXXX but to this date they have not made any efforts. In addition, not sure if this matters but the vehicle was returned on XX/XX/XXXX which I have receipt of from the dealer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: BTH Management
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report shows the account was open XX/XX/2018 with Plaza services I have no knowledge of this account and have filed a police report due to the alleged person committing mail fraud under my name as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account, XXXX days later, my account was closed for no reason, and I can no longer bank with Chase in the future. I had to force them to give me my funds. I asked several times why the account was closed, no one could tell me anything. I escalated the situation to the XXXX and the Chase executive office assured me they were going to investigate, but the executive office, literally said nothing. A lady by the name of XXXX, in the executive office ( ext XXXX ) told me she would contact me and gather all information from me and investigate. That was only XXXX business days ago ( XX/XX/2023 ), yet she has already responded to my XXXX complaint ( XX/XX/2023 ). Her response to the complaint was the exact same information that had already been told to me XXXX weeks prior. 
I would like to know what investigation occurred, and what information was gathered in a span of XXXX days. 
I would also like to know what why my account was closed, even after I was forced to contact you all XXXX times ( I have proof ) between XX/XX/XXXX XX/XX/XXXX, to verify my identity, just to have the account closed XXXX hours later and left me stranded with no funds. 

I would like for my account to be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concerns, Account # XXXX I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. 

How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: LEXISNEXIS
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called the XXXX XXXX XXXX XXXX Lexis / Nexis Reporting ) on XXXX to request a copy of the information they submitted to Social Security in regards to my adult son who is XXXX. I am his rep payee and legal guardian. I was asked to submit proof of identity etc. via an email which I did that same day by scanning all requested documents and providing all requested information. No one responded. I called again on wednesday XX/XX/XXXX and was told that someone would respond within 24-48 hours. No one responded. I called again XX/XX/XXXX at XXXX XXXX and again they asked for all the same information and said i would be contacted in 24-48 hours. I have asked for a different department but the overseas operators who are hard to understand refuse. My sons resources are being recouped as overpayments due to incorrect information supplied by this XXXX service, the details of which I NEED IN ORDER TO DISPUTE IT WITH SOCIAL SECURITY. I am being given the run around and it is UNACCEPTABLE. Consumers should have a recourse and they should be penalized for irresponsible reporting AND refusing to respond to requests at all. 

Case # they provided to me is XXXX and my son is XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: AES/PHEAA
State: NY
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:
This is a request to reopen a complaint given the following : The company argued in their response that the loan was disbursed in XX/XX/XXXX. All loans were disbursed prior to XX/XX/XXXX ( the year I finished my XXXX degree ). After completing college I immediately served two XXXX terms, and a term in the XXXX XXXX ( post XXXX ) prior to becoming a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. As such during that time I was eligible for 1. {$0.00} payments and 2. PSLF. None of these were honored during this time. 

In a phone conversation with FedLoan in XX/XX/XXXXof this year it was confirmed that the situation should be backlogged, and that my time and payments should be adjusted. In particular, given that I adequately notified FedLoan that I was in the XXXX XXXX ( just as the XXXX XXXX gave notice to the U.S. Dept. of Education ) I should have been immediately enrolled in deferment, however I was charged and put into default. 

Overall, the company 's response is inherently false, as the loans were disbursed from from 8-3 years prior to the date listed in the response. Moreover, despite numerous documented attempts to enroll in PSLF I was disallowed, or disqualified for capricious reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: MOHELA
State: NY
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 am using MOHELA as my student loans servicer and have enrolled in the PSLF program. I made all required payments on time and in full for over 10 years qualifying me for loan forgiveness. After submitting the necessary paperwork to have my loans forgiven it took 6 months to hear back, even though I was told 90 days max. After numerous calls to customer service that kept me on hold for hours I was told everything looked acceptable, but they were waiting on the Federal Government to approve it. Today I received notice that I was denied because I needed to make 120 payments, but also that I had already made 130 qualifying payments. Of those 130, 124 were eligible. No further explanation as to why I was denied and can not seem to reach a helpful or knowledgeable representative. It appears I am one of the many many people mislead and mistreated by this servicer and/or program. I work as a qualified employer of the public sector on the XXXX of XXXX, NY XXXX XXXX and have dutifully held up my end of the agreement. It has been over 10 years and I still have to make payments on my loans that should be forgiven. None of these extra payments are reimbursed if I should ever get this program to effectively forgive my loans as promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: MECHANICS BANK
State: ID
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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666 b, a creditor may not treat a payment on an account under an open end consumer plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My income was drastically reduced. I have been trying to short sell the property. The bank has placed an unattainable value on the property of now {$110000.00}. Home has been on the market for 543 days. I can not get an offer at the banks appraised value due to repairs needed. I have had offers in the XXXX range. Since most borrowers in this area are seeking VA, FHA financing, there are no offers being forwarded because the buyers can not make the necessary repairs to secure a mortgage and the mortgage brokers can not obtain a loan due to the necessary repairs. Therefore only cash investors are available to bid on the property. Obviously they will not pay the banks approved price. The bank incidated that they will not take the property back due to the open sewage permit with the county. Since no offer has been forthcoming, the bank has set a sale date of XXXX/XXXX/2016. Please ask them to reconsider their valuation. as no offer can be otained at the current bank approved price. They are forcing foreclosure on the property where this could be avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: ALPHA MIDCO INC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX and associates on XX/XX/XXXX  about a doctor bill that is past due. XXXXXXXX XXXX XXXXXXXX have also reported this information to the credit reporting agencies. I reached out to my insurance company to see why the bill was not paid by them on XXXX XXXX  and was notified this outstanding bill falls under the Federal Surprise Billing Law and I am not responsible for this bill. I contacted XXXXXXXX XXXX XXXXXXXX and they refused to stop collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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