BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: Experian Information Solutions Inc.
State: MO
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 multiple items on my credit report that have not been validated or verified properly as my debt. I have since contacted the credit bureau various times starting from XX/XX/2018 to verify and correct the items on my report. Since then I have received letters saying that the debts have been verified without providing any proof of these debts. With this complaint I have uploaded and included the credit bureaus response as proof that they did not follow the law and provide ANY verifiable proof showing who and how these debts were verified. Nor were ANY signed documents provided which the credit bureau must have on file and be ready to furnish to be able to legally report items on a credit report. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract of all accounts posted on my credit report. Given the fact that anyone paying for reporting services could fax, mail or email in a fraudulent account. I have requested to physically see Verifiable Proof ( an original Consumer Contract with my Signature on it ). Which my request has since been ignored by a company that is supposed to uphold the law. The credit bureau has instead decided to not verify these accounts, only to send a dispute status without verifiable proof of their investigation which by law I am allowed. Which the document I included shows as proof the law was NOT followed nor any verifiable proof was provided. Given the credit bureau did not follow the law Section 609 ( a ) ( 1 ) ( A ) and the rules of the FCRA nor provide physical proof any debts. I am requesting the items below be deleted and then corrected on my credit report before certain litigation in court is proceeded. 
Creditor 1 - XXXX XXXX XXXX XXXX Unverified Account, Creditor 2 - XXXX XXXX XXXX XXXX XXXX Unverified Account, Creditor 3 - XXXX XXXX XXXX XXXX XXXX Unverified Account, Creditor 4 - XXXX XXXX XXXX   XXXX Unverified Account, Creditor 5 - XXXX & XXXX XXXX Unverified Account, Creditor 6 - XXXX XXXX XXXX XXXX Unverified Account, Creditor 07 -  XXXX XXXX Unverified Account, Creditor 08 - XXXX XXXX Unverified Account, Creditor 09 - XXXX XXXX Unverified Account Creditor 10 - XXXX XXXX CO Unverified Account

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 2018-08-06
Company: Lending Club Corp
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I opened up a personal loan from Lending CLUB in XX/XX/XXXX. I paid on time on this loan for 1 year and 6 months. I paid {$4000.00} dollars on it in XX/XX/XXXX. I also made what I thought was my last payment on XX/XX/XXXX for {$300.00}. I made a mistake and thought the payments were done, and the balance was XXXX. I stand corrected, HOWEVER II was not notified from Lending club by phone or email that I was late on a pyament and still had a balance. They told me I did not want them to email me. I did not know that the remaining amount was left and ended up missing a payment. I found out when I checked my credit and it had gone down 48 pts. I got this loan to increase my score and make reliable payments as I did. I would never have made all payments in a timley manner and big sum of {$4000.00} dollars to turn around and totally MESS UP credit score that i have worked so hard to get " good ''. by missing a payment I did not tell them not to let me know I owed them money. If Lending Club would have contacted me I would have for sure made the payment right away. I am now unable to purchae a home. I akded them to work with me and told them I would pay it in FULLin one day if they could please remove this late payment off my credit. They did not let me know I was late and are not willing to work with me. I really would like some help on this matter. PLEASE PLEASE hold LENDING CLUB resposoble fro telling a aonsumer they know they owe the money so a innocent mistake causes them their lively hood

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2018-08-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, XXXX XXXX XXXX provided me with a Lien Release and a XXXX for the Discharge of Debt on my 2nd mortgage. 
Prior to XX/XX/XXXX, I paid the full reinstatement amounts required by XXXX, however, the payments were not recorded accurately or timely on my loan which resulted in additional reoccurring late charges on my account. 
Some of my dates/amounts of wire transfers to XXXX are XX/XX/XXXX for {$1300.00} and XX/XX/XXXX for {$460.00} and {$430.00}. The dates and notices of short sale and foreclosure were also not in compliance with regulations. 
XXXX attempted to rectify the errors by providing me with a Lien Release due to their litany of violations. However, they are still reporting my loan as a Charge-off, with excessive late payments. This Charge-off or Short Sale is preventing me from closing on a mortgage now. The entire XXXX account needs to be removed from my credit report due to their own errors.

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 2023-09-08
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting 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 contacted XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Kansas, to inquire about a test drive for a vehicle shown on their website. I informed the salesman that I was interested in a newer model but saw that their car was comparable to the one that I was currently considering. The day after, I met with the salesman on the evening of XX/XX/2023, just before closing. I reiterated the same information that I had given him over the phone. The salesman knew I only wanted to test drive the vehicle ; he asked for my keys as collateral and took a copy of my driver 's license. 

After test driving, the salesman became very pushy. I informed him that although the vehicle drove nicely, it was not what I was interested in. I was calm and professional throughout but felt tense the entire time. I believe that he intended to get me to buy a car that I was not even interested in. I felt trapped while they held my keys in their possession. I was unaware then, but every time the salesman would leave the conversation with me ( three to four times ), he was plotting with the finance manager. The salesman continued to ask me questions while I requested him to clarify because I am not an expert in automotive sales. The salesman left the table again and brought a man back with him ( I found out later he was the finance manager ).

The finance manager approached the table and aggressively continued to push me to buy the car. I explained that I was only interested in test driving and comparing numbers. He informed me they would have to check with the bank for accuracy. He started using jargon I didn't understand, so I asked him to clarify. When I asked him, " Is this a hard credit check? '' he did not answer with a yes or no answer. I asked him to continue to clarify. Both of them asked for my personal information. I sat there anxiously, wanting to leave, but they still had my keys. 

The next day, I discovered that XXXX XXXX had run my credit through three banks. When XXXX XXXX called me back, I asked the same finance manager again if this was a hard credit check because this was not what I asked for. He replied yes and said I agreed by saying, " All alright, Go ahead. '' I was enraged and felt misled. All I wanted was some quotes and figures to compare and contrast. Instead, the salesman and finance manager subjected me to unethical sales practices and horrendous customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Ocwen Financial Corporation
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, Ocwen Loan Servicing provided me with a Lien Release and a XXXX for the Discharge of Debt on my 2nd mortgage. 
Prior to XX/XX/XXXX, I paid the full reinstatement amounts required by Ocwen, however, the payments were not recorded accurately or timely on my loan which resulted in additional reoccurring late charges on my account. 
Some of my dates/amounts of wire transfers to Ocwen are XX/XX/XXXX for {$1300.00} and XX/XX/XXXX for {$460.00} and {$430.00}. The dates and notices of short sale and foreclosure were also not in compliance with regulations. 
Ocwen attempted to rectify the errors by providing me with a Lien Release due to their litany of violations. However, they are still reporting my loan as a Charge-off, with excessive late payments. This Charge-off or Short Sale is preventing me from closing on a mortgage now. The entire Ocwen account needs to be removed from my credit report due to their own errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Today I receive a letter from Synchrony Bank/Walmart reducing my credit limit based on a consumer report pulled on   XXXX   XXXX   XXXX   and a score of  XXXX . I called Synchrony bank/Walmart to ask when my credit was pulled and the representative (  XXXX  ) would not tell me. When I pressed for an answer to my specific questions above again he proceeded to tell me maybe on  XX/XX/XXXX  or   XXXX   XXXX   XXXX  . When I asked to speak with a supervisor, reluctantly   XXXX   placed me on hold for 14 minutes and   XXXX   came on the line as an account manager. I asked   XXXX   the same question above ( when did above creditor pulled my credit and he proceeded to me that my credit was not pulled but they use a different company to get a score.
<P/>
Can you please help me with Synchrony Bank/Walmart who are violating my consumer right by illegally pulling my credit score or lied about the fact in attached letter as my credit is frozen with all   XXXX    bureaus?
<P/>
I am aware that companies can use other methods to review an account but not as stated in the attached letter.
Please advise.
<P/>
Sincerely,   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 2018-11-23
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX, I called Navient to find out if I could begin paying {$300.00} a month towards my student loan debt. I was rudely told by a male Navient customer service rep that {$300.00} was not going to be enough and that if I didnt pay the full repayment amount of {$1400.00} starting immediately, Navient would send my loan to a credit collection agency. I was so distraught from his threatening tone, I hung up the phone crying and without resolution. I was so shaken and felt hopeless that my only financial debt in life would/is my biggest failure ( second guessing the worth of my college degrees ) .The following day, I decided I had to try again and call Navient to settle my debt. I called Navient again and reached a very helpful female customer service rep who listened to my predicament and recommended I applied for the income driven repayment ( IDR ) plan even though I told her I had {$300.00} I could pay each month. I applied and was approved for the IDR Plan and, again, paid {$0.00} payments this past year. Im getting ready to call Navient now to go through this same drill again of finding a repayment plan that will take the repayment amount I have to offer. After reading many stories about other debtors like me going through what I have been through, I felt I needed to contact CFPB so I can possibly get help myself and/or prevent others from going through what Im going through right now. Since graduating from XXXX in XXXX, I have not been able to make payments on my student loans. When I offered to pay {$50.00} each month, I was told it wasnt enough and I might as well file for income hardship deferment or forbearance, which I have been doing for the past 20 years. I now have a total outstanding debt to Navient of {$160000.00}. I just wish Navient would have accepted my offer of $ 50 monthly repayment back in XXXX or at least worked with me on a fair payment amount. The interest that has accrued on my student loans is scary. I didnt even go to XXXX XXXX schools.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My XXXX and I signed our Truist Bank home equity line of credit ( XXXX  ) documents on XXXX XXXXXX/XX/XXXX and within that loan app was the request to pay off XXXX credit cards. My XXXX and I both checked our XXXX balances today, XX/XX/XXXX and neither XXXX has been paid off. I was able to check my XXXX online and it shows that XXXX XXXXXXXX has been disbursed from the XXXX. I called Truist ( XXXX ) and spoke with XXXX XXXX in loan services ( XXXX ) and she said the loan was disbursed on XX/XX/XXXX when checks were mailed via XXXX and my current per diem for the outstanding balance is {$4.00} per day. When I inquired how that is possible to be charged loan interest on my XXXX when my XXXX balance is still outstanding, they replied interest is charged from the day the check is mailed ( i.e. Truist hasn't had to disburse the $ $ yet they are charging interest on money still within the bank ). I asked for this issue to be escalated and I was transferred to XXXX XXXX. XXXX said she would look into this and call me back with more information. At XXXX, XXXX XXXX me back to say that interest is charged on the day they mail the check and not when the check is paid. She also said that if the check is mailed to a XXXX XXXX XXXX it might take up to XXXX weeks to be processed. So as it stands, Truist is charging me interest for a XXXX XXXXXXXX loan and the only thing Truist has done is mail a check and no money has been disbursed- Truist is charging me {$4.00} in interest for mailing a piece of paper at {$.00} postal rate and it may take up to XXXX weeks to be processed ( at which time I will have accrued approx {$100.00} of loan interest ). This seems funny when Truist lauds the fact that I can send money to my friend instantaneously via XXXX using no more than an email or cel phone number and yet, they can't manage to send payoff funds to XXXX Bank except via a {$.00} postage stamp. To add insult to injury, I subscribe to Truist bill pay and I occasionally send extra payments to my XXXX credit card when I make those payments, they are sent electronically and process within XXXX business days. 
I have screen shots of all my loan and credit card balances.

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 2021-07-12
Company: Arena Investors, LP
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have reached out to the company and specifically requested that they call me XXXX my personal cell number ) about debt owed and I even provided my cell number to them in which they acknowledged they will start calling me directly but instead they keep calling my job every day, leaving the same message and its creating conflict for me at work. I simply ask that they stop calling my job and just call me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX received a text message from Comenity Bank Fraud Department asking if I would verify a transaction on my XXXX account of {$84.00} for XXXX XXXX . I replied I did not authorize this. They replied in a text message that they would call me to conform my account activity. I missed the call but tried to call back on the phone no. XXXX. I tried calling backbut keep getting a recorded message that they were getting many calls and to stay on the line which could be a XXXX wait. I have tried numerous times trying to get through to talk to a representative. I then checked my credit card account statement online and noticed another charge that I did not make of {$98.00} on my XXXX XXXX XXXX account to XXXX XXXX # XXXX which was made from XXXX which took place on XX/XX/22. I contacted the XXXX XXXX XXXX on XX/XX/22 to notify them that I did not make that purchase. I also contacted my local Police Department ( XXXX XXXX XXXX  XXXX. in XXXX XXXX ) on XX/XX/22 about this matter and filed a police report. According to my online credit card statement Comenity Bank 's system wouldn't be back on until XX/XX/22. On XX/XX/22 I emailed a message to the Fraud Department of Comenity Bank because I couldn't get through on the phone. I received a reply saying " Please accept our apologies for any inconvenience you've experienced. Please call XXXX at your earliest convenience. '' I have tried many times tryng to get through but keep getting the same recorded message and no one answers. Unfortunately I ended up paying my bill. I also put a lock on my credit card. I also asked them to call me back in an email message. I also asked for a paper statement to be mailed to me. As of today no one has called. On XX/XX/22 I sent a letter to them by certified mail about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18
Company: GCFS, INC.
State: CA
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:
On XX/XX/XXXX XXXX XXXX Clerk Of the Superior Court By : XXXX XXXX Endorsed Filed. However ; Superior Court of California County of XXXX XXXX XXXX of Justice Case No. : XXXX Stipulation For Judgement. The parties stipulate that judgement will be entered in favor of Plaintiff, GCFS , Inc. a California corporation, and against Defendant myself, in the sum of {$6000.00} principal, {$3100.00} interest, {$1400.00} attorney fees and {$480.00} costs of suit, for a total of {$11000.00}. Dated : XX/XX/XXXX sign off by XXXX XXXX, XXXX, GCFS, Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX..Dated XX/XX/XXXX I signed off and Dated : XX/XX/XXXX XXXX XXXX XXXX , Attorney for Plaintiff XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX signed off. A lean was placed on my property for the same amount of {$11000.00}. My agreement was to pay {$120.00} per month to GCFS until paid in full. 

When the case was settled I received a telephone call from XXXX XXXX Account Representative who told me that I must pay immediately {$1400.00}. I gave Mr. XXXX my debit card and funds were collected. However ; now I am told this funds can not be located, nor seem to be recorded. 

Now here it is XX/XX/XXXX I am still paying on this judgement? I have called and requested why am I still paying on this judgement of {$11000.00}? I was then sent a letter dated XXXXXX/XX/XXXX with Case No : XXXX showing I have paid a total of {$13000.00}. However : GCFS has added a accrued Post judgement amount of {$3400.00} plus another accrued post judgement cost of {$50.00}. 

I am so confused, first I need to no what happen to my first immediate payment of {$1400.00} that I made to Mr. XXXX. Then I need to no, why are the accrued Post judgement fees attached that were never signed off by XXXX XXXX Courts nor myself attached to this judgement? Plus this judgement term has also been officially met by XXXX XXXX Courts. Something is very wrong here? My account has missing payments, and missing immediate funds payment. We are asking for your help! This account should already be closed, plus lean removed from my property. Also, a refund for over payment on my part. Please assist, as you can see we need help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation