BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-05
Company: Kashia Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX and I have a loan through the company. At the time XXXX did not read the fine print and did not realize the loan would have 766 percent interest. The loan has been paid and including extra totaling XXXX dollars. The company claims that due to the 120 installments that started in XX/XX/XXXXand including a payment that was made on XX/XX/XXXXthe loan is only XXXX cents paid. That means that I would have to pay XXXX plus the " Finance charges '' to finish the loan. We live in the state of NC where interest can not be more then a certain rate. They claim to be part of a XXXX XXXX and that since we agreed to the terms of the loan we waive the right of a jury trial and also any judgment against them and they have sovrine law. This is because they are a XXXX XXXX. When I called to speak with them, their call center said I would have to pay or collections would happen and I would owe them over 3000 dollars. I need to know what options I have. They have over 500 dollars from us. We have bank statements to show this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last month I received my annual escrow analysis which should I have roughly a $3,800 escrow surplus. I am currently two mortgage payments behind going on three in XX/XX/XXXX. I requested in writing like they told me to do to hold the three payments from the surplus. After doing as they instructed I receive an email reply back stating that the escrow surplus was used to reduce the monthly note.      It wasn't at all. The rep doesn't even know how to read the analysis. The note was reduced because the amount being disbursed from escrow was reduced from the insurance. I have spoken to four different reps, and sent various emails with no help. I even asked to be escalated to a manager and still nothing.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 RECENTLY PULL MY CREIT REPORT AND FOUND THE FOLLOWING INQUIRIES TO BE UNAUTHORIZED : XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX 2021

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 2017-11-16
Company: AES/PHEAA
State: TX
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:
Loans were taken out from XX/XX/XXXX-XX/XX/XXXX Loans were consolidated in XX/XX/XXXX.  However, I am in Texas and based on the statue of limitation accounts should be removed after 4 years. While, I am aware that I am still responsible for payments. It is reporting incorrectly with credit bureau. This also goes for student loans also. Data reporting is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent in multiple identity theft reports to the company at their request and nothing has been done. Multiple accounts and addresses that are associated with fraud have not been removed.

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 2022-04-27
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: Reporting company used your report improperly

Complaint:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXXt Number : 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 2018-07-14
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello CFPB, I hope you can help me. 
After closing my case in XX/XX/XXXX, Case Number XXXX ( public information and can be looked up online in California Courts records ) Patenaude and Felix, a collection company with the address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, sent me a letter informing me I still owe a balance of {$820.00} outside of the settled case. I do not owe this amount and I called them and they told me I need to pay this amount to satisfy their client which is XXXX XXXX. The specified amount I owed was paid off and the case is closed. Now they are also calling me constantly and I need your help to stop them. Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called them a couple of time and tried to pay a debt they said i owe them for lab corp but they told me they could not help me removing it off my credit report that they only do it for specific clients. I just want to pay the the money they say i owe and get them off my credit report and them to leave me alone

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 2022-04-27
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: Account status incorrect

Complaint:
XXXX  credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.

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 2022-04-27
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Not only this account continues to report multiple inaccuracies and incomplete information on my credit report, but I've personally called this creditor and they don't have any of my personal information on their end and advised me to call and dispute this to you directly. You are the only one reporting such an account and continue report as such. I've filed and submitted a police report in this regard.

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 2022-04-27
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:
XXXX  credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.

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 2021-12-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have not received anything from Equifax about this bankruptcy dispute. I have a previous complaint through CFPB that Equifax has yet to send any results of investigation. It's over 30 days and nothing. Absolutely nothing! It's now been over 30 days and not response. I sent over the proof that their data furnisher XXXX found the bankruptcy to be unverifiable so why have they not reinvestigated and deleted this erroneous account. This is a constant issue with Equifax. They do not bother responding and Equifax is in violation! 

Account : XXXX XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Through non compliance, I have evidence that i have a self executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type. this account reporting is also a violation of hippa laws.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Not only this account continues to report multiple inaccuracies and incomplete information on my credit report, but I've personally called this creditor and they don't have any of my personal information on their end and advised me to call and dispute this to you directly. You are the only one reporting such an account and continue report as such. I've filed and submitted a police report in this regard.

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 2017-09-29
Company: REGIONS FINANCIAL CORPORATION
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
My company received an email alert from the "fraud protection alert" department of this credit card company. Asking if someone from our company made these transactions dated X/X/2017 at XXXX XXXX XXXX, Fl. My company responds "NO" to that email. We received another  "fraud protection alert" again we responded "NO". I called Customer Service explaining what had occurred. They blocked/canceled the fleet cards and reissued new ones. I was told to file a dispute online because customer service could not help me resolve this issue. I asked them to please document every phone call and to please put notes on the account regarding this issue with fraud. I filed a dispute on all charges made in Flordia. The credit card company approved the charges on the card ending in XXXX but did not approve the other charges on card ending in XXXX. Every time I called customer service they said the fraud department handles these issues and they could not resolve that issue. "you have to email them" I tried calling a number XXXX for two weeks no one ever answers that line. So I continue to email that department. The last response from them was that I check off the lost/stolen box on the form and because I check that box off the transaction were not fraudulent or counterfeit. I let them know that it was a mistake and that I had written an explanation in the box provide a detail about what had occurred. This department is not looking at the full details of this case. They are going about it based on a check mark on their form. That was checked and followed by an explanation as well. I have sent several emails with documentation and proof of everything that I have now two months later they are asking for the physical card to be returned that is they are not returned the charger will not be removed. I did everything that was in my power to notify them and explain what was happen we responded no to these charges and their company put a block as well. So how is it that we are liable for these charges just because I check a box and they are refusing to read the full detail of the whole case.

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 2022-04-27
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This complaint is with PayPal. Their app has names of people I dont know in it.I went to send someone money and it sent it to a woman I dont know. They did not help me with getting the funds back. 

The amount was $ XXXX was sent on XXXX XXXX immediately contacted PayPal to ask them to stop payment and they wouldnt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27
Company: EQUIFAX, 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:
EQUIFAX CAME BACK VIRIFYNG A INQUIRY ON MY REPORT BUT THEY FAIL TO PROVIDE VALID DOCUMENTATION THAT INDEED THIS HARD INQUIRY WAS APROVE BY MY PERSON

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: SLM CORPORATION
State: NH
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:
Sallie Mae is harrassing me for unpaid loans. I am a student and have sent them the in school deferment paperwork. They claim I am delinquent, but I started class before the accounts reached delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: CITIBANK, N.A.
State: FL
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:
CBNA made a hard inquiry of my credit score. I  never requested it, it just showed up when I looked at my   XXXX   XXXX   report.   This hard inquiry was made  on  XX/XX/XXXX .    XXXX  This is not the first time it happens. CBNA made another hard inquiry  on  XX/XX/XXXX ,   again I never requested it authorized for them to run my credit.

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 2022-04-27
Company: Experian Information Solutions 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:
As quick as I can request a copy of the permissible permission from XX/XX/2017 and complain about Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  did not have permissible permission to access my credit report, XXXX labels as a duplicate while Experian tries to act like our government by shuffling paper. Shame on whoever is reading this for being a low paid pawn of a large company. Treat others the way you want to be treated.

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 2022-04-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FRAUDLENT ACCOUNTS HAVE BEEN LINKED TO MY FILE THAT DO NOT BELONG TO ME NEITHER HAVE I BENEFITED FROM THESE INQUIRIES OR ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Navient Solutions, LLC.
State: KY
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:
I have had no permanent employment since 2010 ; working contract is not helping me either. I can't pay the loan at all ; plus Navient only answer is to continue forebearance now a XXXX dollar loan over the course of 10 years and accumulated interest is now XXXX I will never be able to pay this unless I win the lottery ; I don't even play. 

I am trying to find an attorney to file for student forgiveness. I am now XXXX and am XXXX   with XXXX XXXX still. No attorney will hire me permanently I still hear I don't have experience after 13 years of graduating with XXXX 's grade point average. I have had to work contract with no secure permanent job in the future coming to me. I don't know the answers to these issues, maybe you do. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FRAUDLENT ACCOUNTS HAVE BEEN LINKED TO MY FILE THAT DO NOT BELONG TO ME NEITHER HAVE I BENEFITED FROM THESE INQUIRIES OR ACCOUNTS

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-29
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Dear Sir/Madam, I had taken out a loan on auto from Santander bank , in 2014 , i  paid off the loan on first week of XXXX . I asked the bank as well notified by confirming with the consumer bank team that the loan is paid off. Since then i am have been getting a run around from  address confirmation, shipping of title , release letter and so on, everytime  i call a new supervisor comes on board and gives a new story where they say the title and lien release letter has been sent via XXXX XXXX , sometimes they regular mail, 7-10 business days, recently employee XXXX supervisor refuse to verify anything, providing incorrect info from all previous supervisors. she again stated a new ship date which was again XX/XX/XXXX and she turner around and stated, its has to be notarized and a lien release -letter sent and then may be    days ..she  never wanted to give accurate info. I am very upset , since i recently sold my vehicle and the gentleman who bought was with at the bank as they told him 7- business days, but up till no i am getting run around . Please i need some assistance or push the bank to act and take responsibility for their actions.i can be reached at XXXX

Company response to consumer: Closed with explanation