BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: Experian Information Solutions Inc.
State: PA
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:
REQUESTED PROOF OF VALIDATION OF ACCOUNT, REQUESTED VERFICATION OF DEBT LETTER, REUESTED PROOF OF ASSIGNMENT OF ACCOUNT, REQUESTED BREAK DOWN OF ALL FEES OWED, REQUEST NOTICE IN WRITING ABOUT REFUND FOR {$24000.00} DUE TO ME FOR OVERPAYMENT, REQUESTED FOR ACCOUNT TO BE DELETED UNTIL AMOUNT DUE IF VALIDATED PER THE FCRA AND FCDPA BUT COMPANY IGNORED MY REQUEST

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 2018-09-20
Company: General Motors Financial Company, Inc.
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I have been doing business with GM Financial for years. I currently have four leases  with them and pay them {$2600.00} per month in lease payments. I got out of a lease early and leased another GM through GM Financial. In breaking with their past practices, they only forgave 6 payments as opposed to the 8 payments that they agreed upon. In addition, they stopped billing me in XXXX of 2018. Not knowing why I owed and expecting a bill, I sent them {$500.00} per month. They just dinged my credit report with a 60-90 reporting which is totally false and they also owe me {$1900.00} - two lease payments at {$950.00} each that they agreed to waive if I continued doing business with them. I tried to resolve this issue directly with GM financial and not one of the 4 workers I spoke to could find information on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
XXXX University Defrauded not only by misled information but by incorrectly financing substantial amounts of indirect costs that applied to my Federal student loans as unused services provided were not relevant. Several attempts to correcting information after months of finally receiving papers of proof to negligence on institutions behalf looking into lawsuits were relevant to case. Some Institutions were forced to close. Also XXXX had all advisors were no longer handling any cases at the time and quit working for them as this lawsuit came forward all students for the class of XXXX including myself were fraudulently taken advantage of. 
FTC had filed a lawsuit against XXXX for fraudulently gaining access into funds for no reproable cause. A settlement amongst students began XXXX year. The advertisements of gaining employment by career advisors and counselors promising that their institution has more leads in landing prospective students right after graduation between XXXX and XXXX were proven to be false. 
In reference to my credit report Navient is not part of the US Dept. Of Education as they are a third party debt collector. They shouldn't have had any rights placing on my credit report 20 times allocating I owe a significant amounts of funds due to the letters I have received in regards to my loans being forgiven which takes years to do. All these past due amounts are inaccurate and false. US Dept. of ED has all information leading to claim status of loan forgiveness program I enrolled so I am asking all of Navient 's reports claiming late or unpaid to be removed off my reports due to inaccurate and false information reported as this is affecting my life and ability to gain employment and other resources. Thank you Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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've been a long term customer on auto payment with no issues since XXXX. I recently pulled my free credit report and it shows a late payment hits in early XXXX. DatesXXXX- XX/XX/XXXX. I have reached out to Capital One and had a horrible experience with how I was Treated and their expectations from me when nothing had changed with how I manage my accounts with them. 
Capital One had froze my account in XXXX and when I called to resolve the Issue, they were unable to assist with out me sending a copy of my FULL Social Security card to an email. This was after i verified my full name, address, card number and last 4 of my SSN. At this point I transferred my remaining balance to my new card with XXXX XXXX XXXXXXXX, I was not able to close the account. This was during the height of COVID when it was virtually impossible to get a hold of creditors. 

I hope that Capital one will reverse the XX/XX/XXXX and XX/XX/XXXX 30-day late hits with the Bureaus due to account issues ( through no fault of your own ) with the onslaught of COVID. 

Please let me know if you have any questions. 
Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo is in violation of CA Real Estate Laws, acting in bad faith and in violation of CAHBOR laws and anti dual tracking laws. Wells Fargo must be investigated immediately as this is a very serious violation of ethical guidelines that lenders and servicers must adhere to. At issue specifically is borrower 's request to do a short sale which Wells Fargo has had for months now. As you will see from the attached docs Wells Fargo countered this particular buyer to a certain purchase price. Once Wells Fargo made a counter Wells Fargo was in a legal contract negotiation per CA law. Per their guidelines Wells Fargo demanded a certain amount of monies for the purchase price of the property at which time the buyer accepted. Once the buyer accepted per CA law Wells Fargo was in a legally binding contract to sell the property to this buyer. Instead of immediately issuing their approval letter Wells Fargo illegally set a foreclosure sale date which is against anti dual tracking laws when a file is under foreclosure prevention and then they further acted maliciously and with malcontent when they sat on the short sale request so as to approach a foreclosure sale date. After many, many escalations Wells Fargo finally came back and said the offer was denied and removed from short sale. This illegal activity is to be hereby CEASE and DESISTED IMMEDIATELY. Wells Fargo is IMMEDIATELY REMOVE their foreclosure sale date due to their gross negligence and willful disregard of CA law. Wells Fargo must immediately fully disclose any all issues they have with the current offer and that may not include the offer amount and parties to the offer as this information was already made aware to Wells Fargo prior to the counter Wells Fargo issued.

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 2022-07-08
Company: Block, Inc.
State: WV
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:
{$600.00} XXXX XXXX on XX/XX/2022, Didn't receive product purchased and Cash App denied claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX XXXX showing on my credit report was filed in Bankruptcy court on XX/XX/2013, and discharged. They are reporting inaccurate information.

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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as posible.

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 2018-09-19
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been extremely frustrated at the handling of my account with GM Financial. They are penalizing me for an error they caused. 


Early in 2018 they notified me in writing of a payment posting error that caused a payment to be applied to my account multiple times. This made the subsequent billing statements be incorrect, and have an incorrect amount due on the invoice. 

I received a billing statement, and the balance it stated was due was paid on time. 


In XXXX, I received a letter dated XX/XX/2018 that stated the error from months before led to incorrect billing statements, and it encouraged me to contact them to make sure everything is current and correct. I immediately called GM Financial and spoke with a gal that updated me on my account. We went over the total amount due to make the account current, because apparently it was behind due to their incorrect billing statements. It was almost 3 payments past due, so I was given the date of XX/XX/2018 to bring the account current and was assured that no late fees would be applied, and was assured that no derogatory or late payments would be reported to my credit reports. As of XX/XX/2018, I paid the remaining amount ( 8 days early ) and thought this ordeal was over. 


Well it was not. They are incorrectly reporting me late. They are reporting me 60 days late as of XX/XX/2018 and 30 days late as of XX/XX/2018. Please see attached. 


I have tried to call on numerous occasions and spoke with several different GM Financial reps and they all either do not seem to understand this is their fault, or are unable to explain correctly how this is even remotely fair. I am beyond upset and disappointed that I have to spend this massive amount of man hours trying to clear up my good name and excellent payment history. I am being damaged tremendously and have received several adverse action notices from new creditors due to this GM financial error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2018 I received a letter from XXXX XXXX regarding my recent application for a XXXX XXXX Home Equity Loan. In the letter is references my Equifax score dated XX/XX/2018. I never spoke to anyone at XXXX XXXX  authorizing them to run a credit score or to refinance my current mortgage with them. They had called my cell phone numerous times prior to the credit pull, but I never returned their call or spoke to anyone. It is illegal for them to pull a credit report without my authorization and now my credit was dinged for an unauthorized pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I, XXXX XXXX, Original Creditor and Natural Woman/Man hereby rescind my consent to be liable to perform on the contract agreement i entered with XXXX XXXX XXXX XXXX XXXX XXXX 
I entered into this contract agreement with XXXX XXXX without 1 ). Full disclosure of my right to rescind 2 ).

Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that XXXX XXXX willingly and knowingly took advantage of me and my consumer credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
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:
I submitted a dispute with TransUnion on XX/XX/XXXX, it is now XX/XX/XXXX and they have failed to respond. I submitted through XXXX XXXX website. I have also written follow up letters, they responded by sending me a letter saying they did not understand the letter, that is ridiculous because the letter was very clear. It has now been over 90 days and still saying under investigation. It is preventing me from dealing with other disputes through XXXX XXXX. 
file # XXXX TransUNION

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 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
1. The total amount of accounts you are reporting in my credit report is incorrect. My balances do not equal to {$XXXX} I have no idea where or how Transunion calculated this number but its wrong. 

2. My XXXX account is reporting and showing the wrong balance. 

3. The XXXX account is reflecting in the status area as a collection account. This account was paid in full even though its not mine. I have disputed this account so many times and each time Transunion says the verified and conducted an investigation, they provided nothing to show the results of there investigation or who they spoke to or any documentation to support that own this account. This account does not belong to me and its not a charge off.

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 2023-01-19
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-09-19
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I went to the office of XXXX XXXX, questioning why I was not getting a co-pay bill, as well as a statement from my insurance company, from a visit in late XXXX. Come to find out, an office clerk had entered the wrong address, on the evening of my visit. The current clerk supposedly made the correction, and the co-pay of {$26.00} was paid in full using my XXXX. The clerk did not give me a receipt when I asked for one, yet gave me assurances that the bill was paid long before going to collection. 

On XX/XX/XXXX, Central States Recovery of XXXX, KS reported a level 1 debt collection activity to my credit reports causing a severe drop in my FICO score, on behalf of their client, XXXX XXXX of XXXX, KS. I was alerted to this warning in the am of XX/XX/XXXX, by my current credit monitoring service, while at my bank discussing a new truck loan. As a result, I could not proceed with the loan process, due to the severity of the negative credit impact. In other words, I'm stuck. 

After multiple calls to XXXX XXXX on XX/XX/XXXX, I was led to a contact at XXXX of XXXX, where I left a message, which was later returned. In her return call, she in fact agreed with me, that poor data entry and poor follow-up, ie., incompetency, caused all this mess. They have issued a letter to the appropriate credit reporting agency instructing them to remove it immediately, but that it could take up to a week to clear completely. So, as a result, I can't get a new truck, nor a new place to live, which are both " critical '' at this time. I have already stated to both parties, that if there is any trace of this on my reports, and/or, my monthly average FICO score suffers a negative hit, I will sue. They understood, because they realize they screwed up, and I've suffered for it, with no warning to boot. I got no calls from anyone, nor any mail all these months, so I had no idea until this morning, because CSR had the wrong address too. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I was not notified nor updated of my investigation results

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 2020-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In or around XXXX, Capital One offered COVID-19 relief and ensured me that my credit card account would not report as late ; however, they reported a late payment on my credit card account despite the fact that I have had perfect payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I disputed several accounts for big inaccuracies and only one account was removed for only one bureau while there are more inaccurate accounts, besides, investigation is taking so long and the bureaus haven't sent any response.

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 2018-10-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bayview Asset Management , LLC - Concur with Bayview Loan Servicing , LLC XX/XX/XXXX - I received the revised XXXX 1098 Year End Mortgage Int. Statement - The Revised statement as of XX/XX/XXXX states the principal balance was {$290000.00} and BLS is reporting total interest received was {$14000.00} showing a reduction of {$10000.00} BLS how did you derive at this amount? Your correspondence letter gave no explanation - BAYVIEW LOAN SERVICING EXPLAIN THE DESCREPENCY in detail. To help you figure it out ... I have attached the Payment History Excel file from the BLS Customer Web Portal - LOOK at row 58 and 60 highlighted in YELLOW. The report shows there was {$24000.00} in the suspense account on XX/XX/XXXX. On XX/XX/XXXX the Suspense account Balance decreased ( {$16000.00} ) and the principal balance was reported to be {$290000.00} - WHAT HAPPENED TO THE {$16000.00}??? There is no balance reported for XX/XX/XXXX in the report as stamped on XXXX 1098 Year End Mortgage Statement I have yet to receive the Revised XXXX 1098 Year End Mortgage Interest statement The payment History that is reported through BLS Web Portal shows in detail where payments were not being applied on a regular monthly basis. NO where on the report does it show where the Trustee partial payments were being applied. INACURATE PAYMENT REPORTING HAS CAUSED THIS PROBLEM. BLS Please report your response through the CFPB web portal so both sides to the story are revealed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There are several collection accounts reporting on my credit report that I have tried religiously to get removed. I hired a lawyer with XXXX XXXX top help me get these items removed from all major credit bureaus. I have requested that they present me with a contract with my signature on it seeking credit to which they have not been able to provide. they continue to update the account indicating it has been verified without providing to me the written verifiable contract seeking credit which are the guidelines and regulations set forth by the fair credit reporting act. 

the collection accounts in question are as follows and note I have never truly been able to utilize my credit in my life because of these negative accounts popping up on my credit file. I beg for a chance at XXXX day the ability to have a fair shake at credit like everyone else. 

accounts in question are as follows : -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 non-monetary relief