BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried on multiple attempts to contact this company called Wells Fargo due to they are showing up on my credit report as a alleged debt I owed since XX/XX/XXXX. As of today i have attempted to removed this debt from my credit profile due to this is reporting inaccurate. According to Wells Fargo On XX/XX/XXXX I allegedly opened an auto loan with them. Then they state that as of XX/XX/XXXX this debt was charged off. I have contacted them on three occasions on sometime in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have asked the company to validate and verify that this is my debt by sending me a copy of the contract that I have signed and agreed to the terms they are referring to due to I have had identity theft in the past around that time they are saying that i supposedly open this account. As of today I have n't received anything showing that they have validated this debt with my signature on a contract. I have contacted all three credit bureau 's to dispute and the credit bureaus continue to tell me its valid but will not provide me with how they have validated this debt. I have also tried to call the number on my credit report XXXX ( wells Fargo ) and I get sent on the run around with the company. I would like for this to be removed off of my account due to they do n't have my signature on file. I have lived in Las vegas in XX/XX/XXXX so I could not have gotten a car loan.

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 2021-09-14
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I notified the CFPB and Experian that I am a victim of identity theft. Experian 's response is that they need authorization to proceed with my complaint. I did check off the box at the end of the submission that say 's I give auth. therefore, I XXXX  XXXX give Experian authorization and permission to proceed with my complaint. Please see attached FTC and identification and social security card

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 2016-04-11
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I submitted a dispute through the Credit Bureau 's and on the first contact from this agency they did not inform me of my right to dispute this debt, nor my right to request verification. They instead said " If you are one of those fortunate people to receive a tax refund, we suggest you take this opportunity to resolve your account ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Iowa Student Loans, now Aspire, has consistently called us and our daughter regarding her outstanding loan from XXXX College. As was necessary, she obtained several loans over the period of four years. As her parents, we co-signed her loans. After college we made repeated attempts to consolidate her loans. The response was " not possible ''. The result was XXXX loans, each due on different time of the month, all accruing interest. We attempted to set up a regular schedule, and, new to the workforce, she did her best to meet the loan payments. We helped as we could to offset the payments. Since 2004, we have consistently received letters and harsh, demanding phonecalls, sometimes threatening, even though we know the amount was regularly late, but paid in accordance with her and our pay checks. Had we known a student loan from Iowa Student Loans, now Aspire would be so physiologically demanding, we would never have used them. Even the credit card companies have been willing to work with us on consolidating and paying off a card. We have attempted numerous times to talk with the Iowa Student Loans, now Aspire to consolidate and make it easier for our daughter, and now us, to repay the loans. They are unrelenting, offering no options and constantly sending letters and telephone calls. We know the loans are being paid, however, if they are off by only a few days, even due to holidays, the phone calls and cautionary letters arrive. We have come to simply tossing the letters and hanging up on the calls. There seems to be no solution outside of obtaining a high interest private loan to get them off our back. That is not fair to the intent of education. Something must be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
An attempt to fraudulently open a new XXXX XXXX account and make a purchase to XXXX of approximately {$340.00} through my XXXX account was initiated on Sunday, XXXX XXXX, 2017. I received an email from XXXX directly that the attempt was made but the request was denied. I immediately called XXXX to inquire about this attempt because I currently have an existing XXXX XXXX account and made it known that this attempt was not initiated by me and was fraudulent. The request was denied because the initiator could not answer the personal questions related to my person correctly. After discussing with Customer Service, they labelled this attempt as fraudulence and assisted me in changing my account password. I have not received further correspondence from XXXX, but noticed a new hard inquiry on my XXXX account. This inquiry was fraudulent and needs to be removed from my credit report. XXXX  does not allow online investigations with hard inquiries.

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 2019-09-23
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I disputed JEFFERSON CAPITAL SYSTEM in the amout of {$11000.00} and XXXX XXXX XXXX is the Original creditor. As a result they listed the date that I disputed the account as the day the account was opened. In order for them to keep this on my ports for the next seven years or more. 


JEFFERSON CAPITAL SYSTEM Last reported XX/XX/XXXX {$11000.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I spoke to my loan Servicer, CMC Funding ( Specialized Loan Servicing ) yesterday XX/XX/2020 regarding forbearance on my mortgage. 
I was laid off from a XXXX XXXX due to COVID19. I researched my loan and it is a XXXX XXXX loan. 
My servicer is insisting that at the end of the forbearance period all missed payments will be due and need to be paid ALL AT ONCE IN A LUMP SUM. ( Theyve been telling me this for the last month and I wanted to know if they were aware of what was announced this past week regarding XXXX XXXX ) They did mention 30 days prior to end of forbearance period they will reach out and discuss options after the forbearance period. However, it can not be determined at this time what those options will be. Nor can they guarantee another option will be available so basically be prepared to have to pay the full amount of missed payments. 
I shared with the representative what I read about XXXX XXXX and the Cares Act. He was not familiar with any recent special instructions regarding XXXX XXXX loans and Even said he would check out the XXXX XXXX website after we spoke. 

A friend of mine has a XXXX XXXX loan with XXXX XXXX. They granted her a forbearance and immediately disclosed at the end of the forbearance her payments will automatically be deferred to the end of the 30 yr loan. 

I wish I could know the plan now as well, before using the forbearance. I have good credit and I do not want to tarnish it, having to come up with all three months at once stresses me out. I am trying to be proactive and make what savings I have last until my work in the XXXX resumes. 

I wanted to inform you this servicer May not know all the details regarding XXXX XXXX loans and hopefully you can reach out to them and make some clarification for them. 

Thank you, 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 explanation
Consumer complaint received 2017-11-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX2017 I walked into an HSBC branch to change my last name to my married name. The banker assisting me, XXXX XXXX, attempted to upsell me on various HSBC products including a Savings Account, a Credit Card and Overdraft Protection. I agreed to change my account from Advance to Premier and open the Savings Account but declined the Credit Card and Overdraft Protection. He then sent me to a link to a website to open on my phone to digitally sign. On my phone 's screen it was nearly impossible to make out what I was agreeing to. Verbally, he assured me we were just opening the Savings Account. To my surprise, I opened my account the next day to see that a credit card was opened in my name. I called XXXX XXXX who assured me it was a soft pull on my credit report. When I did some more investigation, I discovered it was in fact a hard pull and when I called him back he denied ever saying opening a credit card would be a soft pull, let alone that he deceived me into signing up for a credit card I never agreed to. I attempted to resolve the issue through the bank but XXXX XXXX 's manager attempted to sell us on the benefits of the card and then a few days later, the bank performed a perfunctory investigation where they printed out the pages I digitally signed without acknowledging that XXXX XXXX had convinced me I was signing up for a Savings Account and not a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 of 2013, I was required to have two emergency medical procedures. The medical office offered me " XXXX XXXX XXXX '' which maintained no interest rate and five years to pay off the balance. At no point of time, the name of credit card was mentioned, disclosure paperwork was provided or any kind of application was provided. The total charged to the " XXXX XXXX XXXX '' was approximately {$13000.00}. I subsequently paid a total of {$32000.00} to the credit card only to call and find out that the credit card fraudulently charge my account an exuberant interest rate and still claimed to have a balance of approximately {$19000.00}. 

I allege the following : a ) The debt was acquired under false pretense and through fraudulent methods b ) No proper disclosures and information was provided at the time the debt was acquired c ) Subsequently, an unreasonable and exuberant interest rate was charged d ) The debt of {$13000.00} was paid off by electronic transfers in the amount of {$32000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/2021, XXXX XXXX obtained a copy of my Credit Report without my consent or authorization from XXXX and other Credit Reporting Agencies for the purposes of auto loan.

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 2016-08-15
Company: Continental Services Group, Inc. d/b/a ConServe
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Conserv, the organization servicing the DOE loan I took out for my daughter 's college education, had agreed, in writing, to a revised monthly payment of {$260.00}. I authorized automatic deduction for my bank account and the payments were deducted for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No payment was deducted for XX/XX/XXXX, and when I tries to find out why, I got the run-around, among other things, being referred to a number of different persons who did not know what was going on. When I finally do reach someone with the correct information, I was informed that Conserv had decided to increase the monthly payment to {$300.00}. I had received no correspondence to this effect nor have I received any written justification as to why the payment was increased. Now, they are claiming that I am delinquent on my XX/XX/XXXX payment. They had the authorization to deduct the agree-upon {$260.00}, but chose not to. I suggest that both Conserv 's arbitrary increase of the monthly payment and their classification of the loan as delinquent are improper, and their collection practices should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am have trouble with American Education Services ( AES ). On XX/XX/XXXX I received an email stating that my most recent payment is past due. However, the payment was due on Friday, XX/XX/XXXX. I processed the payment around XXXX for the full minimum balance on XX/XX/XXXX which was the due date of the payment. I reviewed the website both on XX/XX/XXXX and XX/XX/XXXX and my payment is listed on their website as scheduled on XX/XX/XXXX but not processed. I contacted their customer service office on XX/XX/XXXX around XXXX and was told that I was three days past due and the rep requested a second payment. When I stated that I made a payment was made on XX/XX/XXXX before XXXX XXXX. I was told that is correct we do have a payment, and we usually clear payments between XXXX and XXXX however, we did not clear yours because 1 % of our customers make payment without having funds in their account. Although you may have never done this we will not show your account as paid until we receive payment from you bank. I said if that is your internal process then you should not send me nor my co-signer late notices. ( Which they did on XX/XX/XXXX ). The rep stated well that 's what we are going to do because some of y'all do n't properly pay your bills. I told him that I would seek legal action. I believe it is improper for AES to list my account as past due when I made a payment on the due date and prior to the close of business time listed on their website. I made the payment directly on their website to ensure something like this would not happen. I believe they are providing misinformation not only to me but to my co-signer by sending her a notice that I am behind on a payment when I am not. Even if they are not sending this information to the credit bureau they are sending incorrect and misleading information to their loan holders and co-signers. Please tell me what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I sent Transunion a dispute letter around XX/XX/2021 for the negative marks on my account for the amount of {$280000.00} from XXXX XXXX. They haven't corrected the issue or contacted me about this matter.

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 2016-04-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Nissan motor acceptance company has called me at least 31 times in about a two week time span. We are n't even XXXX full payment behind. They have called me over 6 times in one day at some point also. It is causing issues at work to have them repeatedly call my phone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Experian Information Solutions Inc.
State: AZ
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 mailed in a notarized FTC report to Experian and called a day later to follow up. The rep hung up on me within seconds. I called back today because I still didn't get a response and they hung up on me after they said they would verify if they received the FTC report. I can't get through to them and they aren't taking my file seriously. Identity theft has caused me major damages over the last year, leaving me with unauthorized inquiries on my credit report. According to the FCRA, by law, unauthorized inquiries must be removed. I have filed an FTC report per my lawyer.

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 2021-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
BANK OF AMERICA REFUSES TO CALL ME BACK. THAT ARE CHARGING ME 30 % INTEREST. THEY HAVE CHARGED ME {$700.00} AND FEES AND L/C. I HAD A REDUCTION OF INCOME AND CALLED THEM A FEW WEEKS BACK. THEY REFUSE TO WORK WITH ME. I WAS STRICKEN WITH THE XXXX  XXXX AND HAD A XXXX XXXX. IN THE MEANTIME THEY KEEP ON CHARGING ME FEES AND INTEREST AT 30 %. THERE SHOULD BE SOME TIME OF CARES ACT FROM THE GOVT THEY CAN HELP ME WITH AND REVERSE THE FEES AND STOP THE BLEEDING ON INTEREST AND FEES

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 2019-09-23
Company: Radius Global Solutions LLC
State: VA
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:
Medical provider failed to bill insurance company and has shared my medical records with bill collector in violation of the hipaa. The balance due is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Exeter Finance Corp.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I disputed XXXX XXXX XXXX in the amout of {$11000.00} and XXXX EXETER FINANCE is the Original creditor. As a result they listed the date that I disputed the account as the day the account was opened. In order for them to keep this on my ports for the next seven years or more. 


XXXX XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Open balance XXXX EXETER FINANCE Original creditor XXXX  Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX EXETER FINANCE

Company response to consumer: Closed with explanation