BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
O
n   XXXX   XXXX  ,2017 I sent  XXXX ,  XXXX , Experian a certified letter with confirmation of delivery which was sign for on   XXXX   XXXX  ,2017 from  XXXX ,  XXXX   XXXX ,2017 and Experian on  XXXX ,2017 I explained to Credit reporting agencies I have several company on my credit report I did n't sign a contract with. I ask for Credit reporting agencies to verify the credit with the company with a sign signature and photo of me to verify the debt. I also contacted the companies certified mail requesting the validation of debt I never received a response from the co  mpanies or Credit reporting agencies verifying the debt belonging to me. I have made several called many times to the credit reporting companies via telephone and I have been unsuccessful with resolving this matter. Also I have several unauthorized inquiries on my credit report. I havent requested credit with any companies in the last 6 years. I have a credit freeze on my credit file. With the freeze listed on my credit file my identity has to be verified before pulling my credit which it was n't been verified. The number listed on my credit freeze is the wrong number listed for me which is how I know my identity was never identified. Below is a listed of companies I ask for validation of debt. A sign contract with my signature and a copy of my photo.
1.   XXXX   XXXX   2.   XXXX   3.   XXXX   XXXX   4. XXXX  5.   XXXX   XXXX   XXXX   6.   XXXX   XXXX   7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   Thanks for looking in this matter for me.
  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 non-monetary relief
Consumer complaint received 2019-05-29
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a former resident and I was advised to move out within 24 hours of receiving the move out notice. I moved as requested then received a bill later for charges. The first invoice was incorrect that was emailed to me on XX/XX/2019 with the move out reason so it took their IT department a week to fix that issue to make the move out reason correct. After that I received a correct invoice is email on XX/XX/2019 for the move out reason. Now when I received the correct invoice I did not know I would be sent to collections XXXX near the same time frame of receiving the updated invoice. Highly XXXX is an understatement!! My account is not even 30 or 60 days late because I just received the new invoice at the end of XXXX. The notice from the collection agency is dated XX/XX/2019 so Im confused because the account is not even a month late because of their issue with putting the incorrect information on the move out form that was emailed. Wow, Im very upset that I am being treated this way with this business. I also mailed a check to the apartment complex on XX/XX/2019 and the check was not cashed at all. I did make a copy of the check that I mailed and also contacted my back to make sure the check has not been cashed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company sold the account to NCB Mangement Services Inc. NCB continued to call even though I told them I could not pay anything due to being unemployed, and then calls became more frequent to the point they started to reach people in my family about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Genesis Lending
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that i do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless i have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I was called morning and night while being threatened to have my vehicle taken away from me during financial hardship. I was still able to make the payments and get it resolved but was still harassed. I was told all late fees would be removed and they were not removed. I was told I would not be called outside of normal hours and was constantly called outside of regular hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This complaint os regarding a letter I mailed to tram-union company on   XX/XX/XXXX   In the letter i disputed a very old account that contains concerning information which is not correct and is affecting my credit report and score.
I disputed the accuracy of   XXXX   XXXX    #  XXXX  This item is showing wring information and has negative items attached to it affecting me. This item was in violation of FDCPA laws back in  XXXX  and it reappeared on my credit report under  XXXX . I had settled this amount man many years prior and it was illegally re aged and reappeared under a different account on my credit report. I have never owed this company and when i wrote trans-union about its accuracy and why it is appearing on my credit report I did not hear back from them regarding it and I have been waiting for a long time for it to be deleted. This company has harassed me and I would like them to stop.

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 2018-02-10
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I am a 100 % service connected XXXX veteran. All of my medical bills are paid by the XXXX. I told Commonwealth Financial and they didn't care. I was hit by a car, hit and run on my bike. There were other bills and they all got paid from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The 2 student loans were through sallie Mae then transferred to Navient, who has added obscene charges and refused to work with me while I was on XXXX XXXX in the XXXX from which I was XXXX  XXXX and put on XXXX. Navient has and continues to report false information to credit bureaus. Stopping me from useing VA loan to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX is reporting a fraudulent account under my credit that i did not open, on my Transunion, XXXX and XXXX report. they are damaging my good name and i want to buy my first home. this is the account number XXXX i see on my credit report. someone tuck out a car under my name. i never use credit. i pay everything cash. my XXXX XXXX pays for all my stuff. he said he will have the top lawyers in florida look at this to sue XXXXXXXX XXXX  and all the credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been on the forbearance due to covid 19 since XX/XX/XXXX. I have tried to deferre my loan payments to end of term and was initially approved then found out my servicer united wholesale mortgage canceled it. I then applied for HAF with the California mortgage relief and was approved for a grant to cover past due payments. California sent funds electronically to UWM on XX/XX/XXXX for {$21000.00} to make my account current and reinstated. UWM is stating they have not received the funds. I have reached out to the California mortgage relief team and was told they sent funds and needs to be handled internally. Im worried because UWM keeps advising me to apply for loan remodification, repayment plan, deferral when they already received funds from the state of California to help me. They only need to actually apply these funds but help is very difficult. Could you please help me to have them follow up on this to actually help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I called XX/XX/2018 and asked about lowering my payment. It is XXXX. I asked them for another option that would reflect my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 previously submitted an FTC Report and Police Report for Identity theft for fraudulent accounts listed on my credit report. The following accounts do not belong to me. 

XXXX XXXX XXXX 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 2021-02-01
Company: U.S. BANCORP
State: CO
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:
Refund my damages ASAP.

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 2021-02-01
Company: BARCLAYS BANK DELAWARE
State: CA
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:
On XX/XX/XXXX, I contacted Barclaycard to dispute several late fee assessments on my account and their failure to reply to email and written disputes of said amounts on XX/XX/XXXX and XX/XX/XXXX. My account due date is the XXXX of each month and the fees that I'm disputing are characterized as late fees : XX/XX/XXXX ( {$40.00} XXXX despite payments : XX/XX/XXXX of {$300.00}, XX/XX/XXXX of {$100.00} and XX/XX/XXXX of {$160.00} ; XX/XX/XXXX ( {$29.00} XXXX despite payments of : XX/XX/XXXX of {$170.00}, XX/XX/XXXX of {$100.00} and XX/XX/XXXX of {$100.00} ; XX/XX/XXXX ( {$29.00} XXXX despite payments of : XX/XX/XXXX of {$200.00}. 

I spoke with representative XXXX on XX/XX/XXXX, as the phone lines were closed the majority of the year due to COVID and I had been unable to reach anyone by phone, email or letter until this date. XXXX advised that Barclays closes their billing cycle on the XXXX of every month and as such will apply any payments made prior to the XXXX to the prior month 's billing. I advised that I make payments exclusively online through my In Home Support Services worker because I am disabled and pay someone to come in to handle my legal affairs at the beginning and end of each month. At no point in time did the website indicate that payments made on that day would not apply to the monthly payment. In fact, the minimum payment for the month showing as owing is always listed and gives the account holder the belief that it is being paid. 

I asked XXXX to transfer my call to manager XXXX XXXX XXXX, as I disagreed with their policy of assessing late fees for timely payments without providing any type of notice, as well as their failure to answer emails and written complaints regarding previous late fees, as I would've been apprised of their policy had they responded to my earlier disputes. 

XXXX refused to apply the payment that I made today for {$77.00} to my XX/XX/XXXX due date despite the fact that I told her that the payment was made online XX/XX/XXXX for my XX/XX/XXXX due date and that COVID has left me unable to make additional payments. Additionally, she refused to refund any late fees from XXXX despite their failure to respond to my previous disputes and only promised to provide a credit for the {$40.00} late fee assessed on XX/XX/XXXX in a future billing cycle. 

In most months, I make between 2-3 payments to help pay off my card sooner. At no time did their website alert me to the fact that my payments were not being recorded appropriately and they never responded to my inquiries to clarify their policies to allow me to make any changes.

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 2021-02-21
Company: Nelnet, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a cosigner on a student loan for my daughter. I have tried to stay current on this loan even though I was laid off due to covaid19. My daughter XXXX XXXX called the company to put her loans in forbearance which was granted on her loans, just not this loan which she was unaware of. If you`re calling for forbearance why wouldn't you do all your loans? She made payments on loans without being aware of where they were going to apply them. This whole process was confusing as to what was owed and when. I was told all taken care of by her. The company is saying I was past due in an XX/XX/XXXX electronic letter which I didn't see till XXXX for XXXX. My credit report shows a late payment for XXXX for XXXX. Yet the company sent a response saying no payment posted til XX/XX/XXXX and then they sent the letter out. Why doesn't the credit report show XXXX late if they received no payments? I didn't receive any non electronic mail on the problem until XX/XX/XXXX when I immediately made payment. She attempted to get an explanation from the company as to why only one loan was in forbearance and not the other. She tried to get an explanation as to why the money paid went to certain loans and not others. I am attempting to point out that the whole process is confusing and not being reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America withholds deposits and other transactions in order to assess fees. They just did it to me again, I was alerted immediately when my account became overdrawn. I then immediately transferred funds from my XXXX account into my BOA account, which usually hits immediately, but if didnt, then I was alerted I was assessed a fee so I went back to XXXX and transferred more money thinking maybe it will go through and it did not either. So now the money is out of XXXX and is not in Bank of America its being held by boa, meanwhile they are charging overdraft fees to my account. Im sick and tired of this shady business practice by boa

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 2020-01-26
Company: General Motors Financial Company, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
on XX/XX/XXXX, I checked my credit report and there was a message on the credit report that said : settlement agreement for less than amount owed. 
I never spoke to GM Financial about a settlement yet they are reporting a settlement on my credit report. This is a debt that has reached its statue of limitations on collection of this debt and has been written of as bad debt and charged off. This has brought my credit score down significantly. The amount of this debt is XXXX. The account was reported on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: JPMORGAN CHASE & CO.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I had a account with jp chase Morgan bank a vehicle loan. I had to volunteer repo on the vehicle bcuz I couldn't pay for the vehicle anymore. I lost my job. The vehicle was in perfect condition when I returned it. This is tarnishing my credit report by saying I owe XXXX XXXX more dollars on the car I turned in. Please help bring this charge off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio recovery and Associates currently reports misleading, and multiple inaccurate information on my consumer credit reports. 

Accounts : Original Creditor : XXXX XXXX XXXX XXXX  reporting with multiple inaccuracies. Company did not validate debt accordance to FDCPA section 809b a violation. 

Account : Original Creditor : XXXX XXXX  XXXX ; Account can not be completely validated as required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE UNAUTHORIZED INQUIRIES AND ACCOUNTS I WAS NEVER LATE ON I AM ENCLOSING A LETTER OF EXPLANATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2018-07-09
Company: Experian Information Solutions Inc.
State: NJ
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 opened a complaint via the CFPB portal to Experian. This is regarding complaint ID # XXXX. Experian closed the account without addressing the specifics of my issue and complaints. The company continues to respond with what seems to be automated or pre-made responses. 

In the complaint with ID # XXXX, Experian states " The data furnisher responded and verified that the disputed information was accurate as reported. ''

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 2018-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The text message was received from XXXX number with text BofA : We have restrict your ability to use your BofA card. Follow the link below to reactivate it And the link to XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the page links are inactive, except online id field and password and submit button. 
Where all personal information requested - like : Name Address SSN online id and password Dob Card number, security code and pin After that user is redirected to real Bank of America website

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