BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hard Credit inquiries I do not recognize on my account. Some accounts are repeating and can never dispute. Been 3 years since trying to figure it all out but no opportunity has arose. No proof of any debts been received. Credit has been dinged too many times unaurthorized and unlawfully

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 2020-05-09
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX {$650.00} Commonwealth Financial XX/XX/XXXX {$320.00} XXXX XXXX XX/XX/XXXX XXXX XXXX {$160.00} These are medical bills an are on my credit report. It is violating the Hippa law. 
Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Santander Consumer USA Holdings Inc.
State: NV
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:
XXXX is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 2 accounts reporting to XXXX  which are fraudaulent & I'D like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Resurgent Capital Services L.P.
State: NC
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: Investigation took more than 30 days

Complaint:
i filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received ay investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
The Virginia Commonwealth Unemployed Insurance benefits program uses the WAY2GO card service issued by XXXX XXXX  - run by XXXX XXXX. 

WAY2GO sent me an email informing me an attempted information change on my UI benefits card. The last digit of my phone number was changed by one digit ; my address was changed to XXXX XXXX XXXX XXXX, XXXX South Carolina, and my email was changed to XXXX. 

There was no way to close the account, verify my identity ( without submitting more identifying information ), or cancel the service provided by Way2go.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated harassing calls. I have never provided this business with my phone number. These calls come at all times to include early morning as well as late night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am not able to get a Discover Secured credit card. I want a Discover Secured card and a second to build a relationship and my credit with Discover. I want a second chance account with Discover. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CARRINGTON PULLED A CREDIT REPORT ON ME ON XX/XX/XXXX THEY HAVE NO PERMISSABLE PURPOSE TO PULL A REPORT. 
ACCOUNT WAS DISCHARGED IN BANKRUPTY IN XX/XX/XXXX.AFTER XXXX NO ENTITIY HAS A LEGAL RIGHT TO PULL A REPORT ON ME, I DO NOT HAVE AND ACCOUNT WITH THEM ALSO WHICH MAKES IT EVEN MORE ILLEGAL.STRIKE INQUIRT=Y FROM MY REPORT COPY BELOW FROM XXXX CARRINGTON MORTGAGE SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX Requested On : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This Collection agency XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX, started to contact me by phone to harass me about a debt and also just followed up with a letter. 
They have not yet validated the debt. 
I did request via, email, fax and regular mail that they validated the debt they claim I owe before they continue to harass. 

I'm also concern that since they use unethical practices they will attempt to report this unvalidated debt to the credit reporting agencies. 

I want them to cease any debt collection until they can validate the debt and allow me to review all the documents that they will provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Have advised CapitalOne that based on 15USC 1666i claims and defenses, I refused to pay for a XXXX charge that the travel agency said it was refunded, got threatening calls from CapitalOne including pressing criminal charges if I continue to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Attached is a copy United states Bankruptcy Court explaining they do not report to any of the credit bureaus. So how are you verifiying this information if the source is saying they don't report to any credit bureaus. You are reporting inaccurate information according to the Fair credit reporting act 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

If any information is indeed inaccurate According to 15usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I received 2 unauthorized hard pulls in XXXX 2020 on my credit report from you all. They need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX my bill for account CAPITAL ONE Date opened XX/XX/XXXX did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I called in mid XX/XX/XXXXto cancel my CC since the annual fee had been assessed by the bank. I was given a offer to downgrade the card to a no annual fee card which would result in the fee being waived. I accepted the offer. 

Two weeks elapsed and I had not received the new card nor was the annual fee waived. I called back in early XX/XX/XXXX and was promised that within next 5 days the fee would be waived and I should also receive a refund of the fee during that time. 

I still did not receive the fee refund or card so I called back on XX/XX/XXXX and spoke with supervisor ( XXXX ID : XXXX ) and she created a case ID : XXXX for the back end operations to look into it and review the call logs so that the fee can be reversed. 

I was asked to check back on XX/XX/XXXX and I called as requested but could not speak with a supervisor. I finally connected with a supervisor today and weas informed they can not waive the annual fee. I requested that the card be closed and the only balance outstanding on the card now is the {$59.00} annual fee. 

I am not legally obligated to pay this fee but want to make sure my credit report is not negatively impacted due to mistakes committed by Capital One. 

I would like to review a copy of the call logs myself if they are so confident that the commitment was never made to remove the annual fee. I need copies of both the XX/XX/XXXX and early XX/XX/XXXX transcripts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-21
Company: LEXISNEXIS
State: PA
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:
fictitious nomen and mailing location and accounts not associated with social security ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
unauthorized use, YOU VIOLATED UNITED STATES CODES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I purchased a XXXX XXXX to replace my car that was damaged in an accident. It was finance with American Honda Finance. I had problems with the car - all four doors were covered in mold and mildew, the battery had to be replaced by me, dealer refused to replace it and wanted {$72.00} to send anyone someone to get it started for the second time in 10 days. I told the dealer and AHF that I wouldn't pay until the car was fixed since it was supposedly guaranteed. Dealer refused to fix it, I refused to pay. Told them to take it back. They said that it would damage my credit - IT HAS - I am unable to buy another car. 
They took the car and sold it for {$16000.00}. They expect me to pay {$5500.00} for a car I no longer own and they they have recouped their money and possibly more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Navient Solutions, LLC.
State: CA
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:
Over {$150000.00} in student loans and the amount keeps adding up. The interest is killing me and every time I asked for a deferment or some extra time they but my loans on forbearance and charged me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: ProCollect, Inc.
State: TX
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:
Sorry but my exact situation was not available in the selection process. 

In XX/XX/XXXX, my mother had a severe XXXX. In XX/XX/XXXX I moved from XXXX  to XXXX  to help my sibling care for her. I had to break a lease contract and had fees to pay. It went to collections at XXXX XXXX - XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. In XX/XX/XXXX, I called the company and was told if I paid the two charges in full, they would be removed from my credit. And if I didn't pay in full they would be put on my credit report as refusal to pay. So I paid in full close to {$3000.00}. I do not dispute the debt was mine and correct. I have called multiple times. I have emailed every person listed as management on their website over the last 10 months. I was directed to a manger Mr. XX/XX/XXXX who was very rude and told me he would make sure it was never removed from my credit report. The account for {$2300.00} is showing as paid to XXXX, XXXX  and XXXX  on my report but it has not been removed. The account for {$550.00} is showing paid to XXXX  and XXXX  but not XXXX. I have disputed this 3 times and it has not been corrected. I have exhausted every means available to me and need your help please. I ran my credit report on FICO site and as of yesterday it is still there. 

Sincerely, 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 2021-08-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I put money in my chase bank account and havent looked at my chase bank account for four months because I was out of state. Now I checked and there was {$1200.00} missing. I didnt lose my debit card and ID .I went to the police department to make a report and went to chase bank but they wouldnt repay the money to me. They said that it is not their fault but chase bank should be responsible since I put my money in their bank account. They should take responsibility in securing my money. Now that it is stolen they should repay that amount to me because they are responsible for losing my money. Please help me. My number is XXXX and email is XXXX. My name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: American First Finance, Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I do n't even know if anything can be done about this but I wanted someone to know about it. It has been a rough year for me payments wise. I got behind on one in particular. I bought a new mattress in XXXX of last year. I was told the price was XXXX XXXX and XXXX XXXX dollars. It was financed through American First Finance. I signed everything and on some level this is my own fault for not reading everything but I was never given a copy of that contract. I 'm not exactly sure how they are charging for interest or exactly how much I have left to pay down. I can get online and look at some information but it 's not very specific. It will only show my payment schedule not an itemized bill. It will only show the payoff amount not how much I still owe overall. My biggest problem with them is that I went back to a job I hate back in XXXX. When I was getting my first paycheck this company took XXXX late payments out without my express authorization and left me with XXXX dollars. I called and was about to start cussing but I wo n't do that because I 've worked in a call center and it sucks. XXXX different people told me there was nothing to be done and that I authorized them when I signed the original paperwork. I asked how much I still owed and one told me over a XXXX still. I had been paying XXXX XXXX and XXXX XXXX dollars and XXXX cents for over XXXX months at this point. I was told my payments would be XXXX XXXX and XXXX a month and they were n't. I suppose that should have been my first clue. I want a copy of what I signed. I want to know exactly what I 'm paying and how much interest and fees are. I think something wrong is going on here. I think a loan shark would give a better interest rate than this company. 
.

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 2020-10-10
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Fay Servicing on the XXXX of XXXX to make my monthly payment and they are refusing to take the payment. I followed up with account manager on the status of the loss mitigation application and the exact amount of payment that is acceptable and she will not respond at all. This lender is trying to further show that I am not making payments by not taking my payments. What law allows this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions 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:
I have written to each credit bureau and they refuse to take the inquires that I did not authorized. I authorized one company 16 months ago a 1 mortgage company, XXXX, XXXX  XXXX, XXXX XXXX and XXXX only! I only authorize them to pull them once and if has pulled down my credit and I want it 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 explanation
Consumer complaint received 2021-01-21
Company: Self Financial Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This account needs to be deleted because it is in violation. How could there be a balance of {$1000.00} and no high balance amount 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 2021-08-22
Company: Exeter Finance Corp.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have spoken with the company and they have deferred the loan for me which just extends out the time also its more of a predatory lender situation due to damaged credit, of course my score is my fault but to be taken advantage of by high rates and payments to know now Ive paid way over the value of the loan its self with fees and such. They dont try to refinance or lower monthly payments Ive asked in the past. Its Exeter Finance and if I had known how they would effect me I dont think I would have allowed myself to even get the car. Its been years my car should now be paid off and its far from that.

Company response to consumer: Closed with explanation