BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: NC
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:
The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXXE XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 2018-07-27
Company: NAVY FEDERAL CREDIT UNION
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:
Good Afternoon, My name is XXXX XXXX XXXX, date of birth XX/XX/XXXX, and my social security is XXXX, I have contacted Navy Federal Credit Union and advised that I didn't agree to be authorized user on the following credit card XXXX and was advised that I was removed but yet nobody can send me any confirmation. I have contact all three credit reporting agency and completed consumer credit disputes and I have been advised that Navy Federal is still confirming that I'm authorize user and has confirmed and deleted from my credit report. I don't know where the line of communications failed but I'm hoping that you can help me resolve the issue. My mailing address XXXX   XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: SYNCHRONY FINANCIAL
State: CO
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:
I have always paid my account on time every month thru the website r by calling and paying in person. i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly called the company and paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I'm reaching out because XXXX has had me down for missed payments that are incorect In addition to this, I was placed on forbearance during the period of the 6 months that the payments were placed down as " missing '' and outside of this, I've never missed payments on any of my other counts ; some I've had for years. 

XXXX is federally regulated and often completely ignores any complaint or adjustments requested but this heavily impact my life and my ability to do anything on multiple levels of my life. 

Also, I want to add that the loan was split into three loans? Why would I get a {$130.00} loan for school. 

Please, I've submitted form after form for the past 2 years This needs to be updated.

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 2021-08-11
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
I made an online purchase of {$1600.00} on XXXX XXXX website for a XXXXXXXX XXXX on XX/XX/2021. The package was delivered by XXXX on XX/XX/2021. Upon opening the packaging, I realized the item I purchased was not inside. There was only an empty box. I immediately contacted the merchant and they started a claim with XXXX. XXXX picked up the packaging the following day, XX/XX/2021, and provided me with a receipt. I disputed the charge with Navy Federal. Navy Federal later rejects my claim saying the merchant advised I received the product but the supporting documentation that was provided showed the package was delivered to my house but also picked up and returned to sender. Navy Federal would not allow me to provide further documentation to support my claim. The merchant refuses to refund me because they stated I received a chargeback from my card which I did not. They will not reopen the claim with XXXX. I have provided sufficient documentation to the merchant that Navy Federal rejected my claim and I have tried to provide documentation to Navy federal to show that I have complied with XXXX investigation. At this point, I am thoroughly disappointed in Navy Federals one sided investigation. There loyalty should have been to me the member and they should have thoroughly assessed the documents they received from the merchant which shows that the packaging had been returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I Had a loan through XXXX for several years. In XX/XX/XXXX I was notified that my loans were being transferred to navient. I had always paid my loan on time with XXXX. I saw on XXXX that the loan was transferred to navient XX/XX/XXXX. The transfer was complete on XX/XX/XXXX for a total of {$4500.00} ( interest rate 3.78 % ). I received a letter dated XX/XX/XXXX that the transfer was complete. I registered with navient online XX/XX/XXXX. I saw online the first payment of {$33.00} is due XX/XX/XXXX ( I have not received a bill yet ). Upon logging on I received a message that my loan was past due and I had been charged a late fee FXX/XX/XXXX ( prior to the loan being with navient ). I called customer service and spoke with XXXX in private loans who states this is for a XXXX payment however this is not the information reported online. She refused to listen to me that it was telling me I had a late fee erroneously applied to my account. This company is fradulently charging me a late fee prior to them even receiving my loan, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: MD
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:
I'm reaching out because XXXX has had me down for missed payments that are incorect In addition to this, I was placed on forbearance during the period of the 6 months that the payments were placed down as " missing '' and outside of this, I've never missed payments on any of my other counts ; some I've had for years. 

XXXX is federally regulated and often completely ignores any complaint or adjustments requested but this heavily impact my life and my ability to do anything on multiple levels of my life. 

Also, I want to add that the loan was split into three loans? Why would I get a {$130.00} loan for school. 

Please, I've submitted form after form for the past 2 years This needs to be updated.

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 2020-10-28
Company: United Shore Financial Services, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did a mortgage refinance with United Wholesale Mortgage in XX/XX/2020. The mortgage was done with a mortgage broker from XXXX. I was told everything would be seamless and there would be enough taken out into my escrow account at the time of signing and the projected payments to the escrow to allow for my taxes and insurance to be paid. I went with them based on the numbers I was given. In XXXX of 2020 I received a delinquent tax bill from XXXX county that my XXXX taxes had not been paid. I followed up with the mortgage company and they stated there was not enough in the escrow to make the payment. After talking to many people they paid it and the penalty too. I was told I would have to pay back the escrow amount of {$3800.00}. I never would have done the refinance had I known it would have been almost {$4000.00} more. The mortgage broker knew that and I feel like numbers were manipulated to get me to do the mortgage refinance as my husband and I have good credit and were a good target. The mortgage company stated I could pay back the shortage over 2 years and now I received a statement stating they would collect it over one year. The monthly amount went from {$2600.00} to {$2900.00} for one year and this is not something I signed up for.. I feel like the mortgage broker from XXXX XXXX XXXX misrepresented my new payment and the loan to get us to sign. This is not my mistake and I am being made to pay for their deciet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 the past year I have submitted 3 disputes to Capital One. They only responded to my third dispute. They are showing that I made late payments in XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. The reason that these payments were late is due to the phone payment system not recording my card information correctly. A supervisor concluded this to me via phone calls in XXXX of XXXX and again in XXXX of XXXX. They advised if i submitted a dispute in writing and listed that as the reason then they would remove the late payments from my credit reports. Each time i submitted a dispute i waited the 45 days and no one ever got back to me. Over a year later i submitted a third dispute and capital one denied it even when i showed evidence that i sent two prior disputes and they did not respond within 45 days which is required by law. They are breaking the law by not responding to my disputes within proper timing and also incorrectly reporting me past due when i called in each month to make the payment. when i checked online i was always showing in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please provide a copy of a signed contract with my name saying this is my debt. 
Remove from XXXX. XXXX, and XXXX  immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 sent letter requesting the original instrument of indebtedness for this account as it does not belong to me. Please provide Method of Verification and Validation of Debt for this account. In addition, the balance would be XXXX if the account was valet so there would be an error and not accurate. 

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 2020-10-28
Company: BANKERS HEALTHCARE GROUP LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan with BHG to help my wife start her business. The process was fast ( too fast ) and the loan was funded within a couple days. I was charged a {$3000.00} processing fee and another {$3500.00} for life insurance to secure the loan in addition to a {$1200.00} refundable fee and a {$45.00} wire transfer fee. The interest rate on the loan is a high 14 %. I decided I want to get out of this loan early and found out that they do not allow partial payments so unless I pay them $ XXXX for the $ XXXX I borrowed, I am stuck paying interest until it is paid in full. This seems really shady. I am working to cash out some equity on my home but if I'm just a few dollars short of a payoff, I'm stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Telerecovery Corporation
State: AL
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:
I submitted a written dispute with XXXX against TeleRecovery of XXXX because they have two collections on my account from the same company and has it appearing as if I made two visits with the company. I asked that one be removed and they failed to do and XXXX  stated that the debt is accurate and I am stating it is not. I have not been to XXXX XXXX XXXX for two separate charges for the same amount which is {$400.00}. I believe it is an attempt to keep this debt on my credit report because there are two separate dates, one for XX/XX/2015 and another for XX/XX/2015. I requested that they provide the original agreement and proof of debt, if not for it to be removed and for them submit in writing to me, that this is my debt and to show me the original bill. They have failed to provide me with this information and XXXX closed my dispute stating that it is accurate. This is not what I asked in my written letter, I am stating that I do not have a duplicate charge for {$400.00} at this facility and would like for them to remove the negative remark that is there. I do not think it is right to have inaccurate information on someone's credit report, especially when I have made it clear to TeleRecovery and XXXX, that this information has been reported inaccurately on my credit report and both refuse to fix the error. There is no way I physically made two separate charges for {$400.00} at XXXX XXXX XXXX and the information needs to have the correct date if I owe this debt.

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 2018-04-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am being hounded for a medical debt by a company that is not bonded in the state I reside in XXXX Texas XXXX. After numerous attempts to have them validate the debt with written proof that I am in an agreement with their company specifically ( XXXX  XXXX XXXX ) they failed to do so and only sent general information in the form of a bill for the account that I am not familiar with as I have no knowledge of this debt. 
I am asking that this account be removed from all credit reporting bureaus immediately due to this fact. 
My account number with the company is - XXXX. 

Please confirm receipt of this request an I look forward to its ' immediate removal. 

Thank you 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 2021-04-29
Company: AMERISAVE MORTGAGE CORPORATION
State: SC
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 received a notification from a mortgage company named Amerisave Mortgage on XX/XX/2021. They were not authorized to pull my credit report. I tried reaching out to this company for weeks to no prevail. I want to remove the hard Inquiry off my credit report. I never talked to anyone about a mortgage from this company. This company have not yet reached out to me to fix the problem or answer any questions I have for them. This company is unprofessional and using information that they didn't have permission to use. I would like for this to be cleared off my credit as soon as possible. Thanks

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I submitted CFPB complaints to Equifax on XX/XX/XXXX, XX/XX/XXXX, and as well as a XXXX XXXX XXXX Complaint on XX/XX/XXXX, and an FTC complaint on XX/XX/XXXX. I've also mailed numerous written disputes to Equifax via certified mail, online via Equifax 's website, and over the phone with Equifax to no avail. Pursuant to 15 USC 1681 ( a ) ( 3 ), Equifax assumed their role in assembling and evaluating consumer credit and other info on consumers, I never gave Equifax permission or consent to report anything about me on any consumer report. 15 USC 1681 ( a ) ( 4 ) states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax 's consumer report about me is unfair & impartial because I was never consulted to verify if the information was accurate or if even wanted the info reported at all. Equifax hasnt exercised their grave responsibilities as evidenced by the hundreds of inquires they've allowed into my consumer report, the XXXX data breach, the recent revelation that Equifax has damaged millions of consumers by sending erroneous scores, as well as the continuous reporting of unverified accounts on my consumer report. Equifax has shown a complete lack of respect for my right to privacy, by reporting these accounts and inquiries without my consent & written instructions. These actions by Equifax are also violations of the XXXX XXXX, referenced by 15 USC 6801 and 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: SUNTRUST BANKS, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was unemployed for 4 months when I called up XXXX XXXX about my current situation in spring of 2016. I asked if there was a way to reduce the payments, refinance, or what options they had. They basically told me there was n't any program setup to help customers in financial distress. I did n't want it to negatively impact my credit score and asked if I could voluntarily give the car back to the bank but they said they do n't offer that option as well. I ended up borrowing money from friends and family to pay for the loan until I could n't afford it anymore.

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