BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: NJ
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 are not my accounts never had them all these inquiries was not made by me please delete. I contacted companies and they said contact the credit bureau I didn't notice until now XXXX XXXX Miscellaneous Individual XX/XX/XXXX XXXX XXXX Miscellaneous Individual XX/XX/XXXX XXXX/XXXX   Banks Individual XX/XX/XXXX XXXX/XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX  XXXX XXXX  Individual XX/XX/XXXX XXXX XXXX  Automotive Individual XX/XX/XXXX XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX/XXXX  XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX  XXXX Finance / Personal Individual XX/XX/XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank has 3 cards. I never had XXXX XXXX card XXXX  not mines XXXX   Finance / Personal Individual XX/XX/XXXX XXXX  XXXX XXXX   XXXX  Finance / Personal Individual XX/XX/XXXX XXXX XXXX  XXXX Automotive Individual XX/XX/XXXX XXXX   XXXX XXXX  Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX  Individual XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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:
Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, that do not pertain to me and are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX {$120.00} XXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX XXXX ( XXXX  ) XXXX. XXXX, XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Navient Solutions, LLC.
State: KY
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:
When I started to repay theses loans years ago I was encouraged to make interest only payments. It was described to me that I would be paying down a set amount of interest and when I could later afford to make higher payments, the interest owed would be paid down and I would be making payments towards the principal. Long story short, I was misled into believing I was paying down a predetermined set amount of interest. I am still paying a great deal of interest. Over the years I have paid around {$10000.00} in payments and today I owe more than I ever borrowed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeated told them I have had some medical issues arise, I have been put on XXXX, I am aware of the debt and to please stop calling multiple times daily as it doesnt help get them any money or help me get better where I can work and pay my debt. Very nasty individual called today speaking to me like a 2 year old. I may be sick but I am not a child

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 2020-07-01
Company: Lewis, McDonnell & Associates
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The Company Lewis McDonnell & Associates a debt collection company located in XXXX, California has placed a collection account on my credit report for an item I have no knowledge of. I received an alert from XXXX that a change affected my credit report and when I checked I found the above company had done this. 

I received a phone call last month from the company above and the way they introduced themselves I thought they were a law office. They informed me that a legal court case had been filed against me and they had to serve me with court documents. I explained I was out of town and if they could email a copy of the papers so I could see what was going on. I gave them my email address and have NEVER received anything from this company. 

NOW I get a collections account placed on my credit report with no accountability of anything. My attorney, XXXX XXXX ( XXXX ) XXXX has informed me that these collection tactics are out of line. According to the Fair Debt Collection Act, these are illegal tactics. 

I have sent a Certified Letter via US mail service for VALIDATION of this account and also have asked this company to provide proof that they are licensed to perform collections in the state of Ohio. Also under the fair debt collection act, this collection account needs to be removed from all credit reporting agencies while being disputed. 

Also attached are several website addresses listing the multiple complaints against this company even with the XXXX XXXX XXXX and with a " C- '' credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I currently have a loan serviced by Navient, which is a variable interest rate loan. Every time I make a large payment to the loan the interest rate increases another .25 %. I made a payment on XX/XX/XXXX for {$290.00}. The loan was at an 11.25 % interest rate. I made a payment on XX/XX/XXXX for {$1300.00}. The loan at that time was at an 11.25 % interest rate and was worth {$21000.00}. On XX/XX/XXXX I made a payment for {$3000.00}. The interest rate at the time was 11.50 % and the loan was worth XXXX. The loan is now at an 11.75 % interest rate ( XX/XX/XXXX ). I am aware variable interest rates change over time, however the interest rate remains stagnant until I make large payments. It is not clear how they are calculating the interest rates on private loans, and they provide vague examples on their webpage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: KY
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 contacted this company numerous times informing them that I am a victim of identity theft. Not only did I request a Fraud Alert to be placed on all 3 credit reports, but I also froze my credit reports, filed a complaint with the Federal Trade Commission and Filed a police report. I sent them copies of all of this. I received a generic response each time saying that the debt was validated. This is impossible. So now, I am writing to request the method of verification for this item : XXXX - XXXX   XXXX  - Opened XX/XX/17 - {$22000.00} Balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My initial contact was by Phone to XXXX   XX/XX/XXXX to investigate inaccurate information. TransUnion sent to me documentation on XX/XX/XXXX of their finding that has been confirmaed as inaccaurate or incomplete public record information based on the following additional records details obtained from Georgia, XXXX County Magistrate Court Civil Case Inquiry website ''. But to this day XX/XX/XXXX TransUnion continue to report false information. I was not a renter, my husband own the house and it was later given to me through divorce court. I was the owner not a renter. Court documentation of my divorce decree proves this and the fact that the court documents state that it was consent of the agreement between XXXX XXXX attorney to allow me time to move out after the company purchase my home in foreclosure sale and the Judge set the date for XX/XX/XXXX and I gave them the keys but the company refuse to stop reporting this case information as an eviction.

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 2019-01-29
Company: MB FINANCIAL, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a follow up to complaint # XXXX. 


MB is simply not telling the truth in their denial of the {$350.00}. Their initial excuse for denying me the bonus was that a Tax Identification Number was needed to open the account. When I pointed out that no such requirement was in the promotion, they then changed their excuse to the one provided in the above Complaint. 


The newest, and incorrect, excuse is that I previously received a bonus in XX/XX/XXXX on a personal checking account and therefore was not eligible for the bonus on the business checking account. 


MB 's own records will reveal that I received BOTH a personal checking bonus AND business checking bonus in XX/XX/XXXX. Therefore, the most recent excuse is simply a knowingly false representation of their own agreement and prior practice. 


The fact is that MB has paid numerous people two checking bonuses in the same year ( personal and business ) and they must honor not only their previous practice but the language and spirit of their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I want to file a CFPB complaint against Ally Financial for abusive practices. My car loan with them is for a single borrower, myself. None of my family are on my car loan as co-borrowers. They were listed on the initial paperwork as emergency contacts only. 
Ally has called my brother and my parents and have done the following : 1 ) Identified themselves as a financial institute trying to get a hold of me for my car loan.

2 ) Have asked my family if I am dead.

3 ) After talking to my family, Ally proceeds to call them continually to harass them to get me to call them even after they have asked them to stop. My family has been told not to talk to them or take their calls.

4 ) They have contacted my parents using a phone number that they recently obtained, and was not listed on the emergency contact information.

5 ) They call my cell, leave text messages, and have called my work number all in the same day. They do this every day, except Saturday and Sunday

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 2019-02-18
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2017 myself and the borrower was effected by hurricane Irma and requested a forbearance and was immediately approved and advised once the forbearance was done one of two things would happen we would be asked to do repayment or a modification. Coming towards the end of the our forbearance we were given an opportunity to go through a loan modification all we needed to do was submit documents such as pay stubs, bank statement and a hardship letter which we did.After many months of resending and submitting the same documents and no response from loan care we were finally was denied for our modification and was told that it was due to lack of income and an increase in payments. Confused by this we asked them to go into further detail and each time we spoke to someone we were told something different. We finally reached out to the attorney general and recieved an honest response stating our denial was also because we never submitted a document stating there was no damage to the home. Although we spoke to several agents no one ever mentioned this very neccessary document that was needed. We were offered a second chance to resubmit all the same documents again which we did and still to this day have not received our modification. The lack of payment has been placed on credit report as well we have received a letter stating we owe all those months of missed payments. Before we even reached so far down the rabbit hole myself and the borrower have asked numerous time can we start making payments in good faith because we did not want to owe a substantial amount if things did not get approved and was advised against it. Our goal is to get or mortgage reinstated and to continue our payment and avoid foreclosure.

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 2018-04-08
Company: EQUIFAX, INC.
State: CA
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 XX/XX/2018, I notified Equifax via certified letter, that I was disputing XXXX/XXXX, XXXX XXXX, and XXXX. To date, I have not received anything from Equifax regarding this Dispute. It has been over the 30 days and my dispute has not been validated. This is clearly a violation of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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/XXXX and XX/XX/XXXX I have reached out to TransUnion to remove All Unathorized inquiries. 

They have failed to remove any of them. 

I need help!

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 2017-12-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XXXX XXXX, 2017, I received an email message that there had been an expenditure on my closed credit card account. When I telephoned the company to report the theft, I was phished for information that included my account password. I refused to divulge it and the operator would not investigate the problem or transfer me to the security people. The credited card issuer is Wells Fargo. I had closed the account last year. Apparently, Wells Fargo is encouraging illegal activities among its staff again.

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 2018-04-07
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Original letter of dispute sent certified mail to XXXX dated XX/XX/XXXX and signed for on XX/XX/XXXX. Creditor failed to notify all three credit bureaus to place a notice of dispute on my account within 30 days of my dispute. XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PayPal has charged me 4 months worth of late fees even though my account was closed. My only charges were late fees as I rarely used it for purchases. I paid one last late fee in XXXX, but the next month 's late fee was assessed and a 4 months of {$40.00} late fees and {$2.00} interest charges were assessed since then. SO I am essentially paying late fees on top of late fees. There are no debts to vendors. I have told hem this is punitive but they keep contacting me. At most I have 1 final month of late fee owed - posted after I thought I closed my account. They refuse to be reasonable. 

One representative said I was unable to close the account because it was associated with XXXX. That made little sense.

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 monetary relief
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: UT
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2021-03-25
Company: Nationwide Recovery Systems, Ltd
State: TN
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:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: AL
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 XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: OR
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 have been dealing with this company that is in violation of Hippa laws, constitutional rights, and contract laws. I have asked them to remove old information, inaccurate and non-valid accounts from my report. The most recent letter i sent to them was on XX/XX/18. I asked them about hard inquiries from companies i never done business with. I have collections for companies i have never done business with. I have accounts that have been closed or consolidated that still show open or payment history. I have phone numbers and addresses that i have never been associated with.

Company response to consumer: Closed with explanation