BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When I paid a lump sum of XXXX toward my student loan I was informed that it can not be counted toward the principle until the interest is paid off. I asked if I could apply it toward the principle but they said I could only apply it toward the interest. 

So now I have paid off all my interest and now Im slowly chipping away at the principle which of course makes my payments last longer so they can collect more interest. I feel ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, INC.
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:
I contacted their customer service 3 times previous about removing ALL the unauthorized inquiries and they would not help and take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: MN
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:
Creditors are reporting reporting inaccurate information. I tried to get it removed from credit report but the credit bureaus are saying they cant read the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: CITIZENS FINANCIAL GROUP, 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:
Citizens bank has failed to remove my loan from forbearance on each of my credit reports after I left Forbearance XX/XX/2021. I am current with my loan and Citizens has not updated my loan with each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a card info in my credit report XXXX XXXX, which I don't recognize as mine. Appears a balance in my credit report shown as closed as a bad debt. There is no history of transactions reported and when i tried to contact the company to find out what was that they simple don't have an answer. I requested proof of purchase of something in the name of that card and received nothing.

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 2020-06-05
Company: Experian Information Solutions 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:
XXXX XXXX  sent me an email that looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items form my report.

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 2018-09-17
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Without any indication or notice, on XX/XX/2018 my personal checking and savings accounts were both frozen. My bank passed along the only information that they were given. I was told to call the provided number to speak with a Midland Credit Management lawyer. I swiftly called the provided number, it belonged to my local Sheriff Dept. After talking with the Sheriff I learned only that MCM had frozen my accounts, and they were pursing a " sheriff sale '' of my personal items to pay owed debt. After multiple conversations with both my bank and MCM I felt pressured to pay this owed debt ASAP! MCM told me the easiest and fastest way to solve this issue was to pay debt in full via XXXX. XX/XX/2018 I went to my local XXXX location and paid MCM my debt in full {$1700.00}. A month had gone by and my accounts were still frozen. I contacted MCM in hopes of getting a resolution. MCM told me " yes, debt is paid in full. Attorney has paperwork on his desk. When he gets to it, your accounts will then be released ''. Now here it is 2 months later and my debt is paid and my accounts are still frozen! Beyond frustrated at this point and I do not know where to go from here. Please help/guide me in a direction to solve this once and for all. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Ad Astra Recovery Services Inc
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from XXXX XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Agency of Credit Control
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2017This location sold the items in storage and continued to bill me for the storage after the fact. So they have racked up additional fees to charge even though the I no longer had the storage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I contacted their customer service 3 times previous about removing ALL the unauthorized inquiries and they would not help and take care of the negative inquiries reporting to my credit report.

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 2021-08-21
Company: Capital Accounts, LLC
State: SC
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 account has been placed illegally in my XXXX XXXX and XXXX  credit reports. This company does not even have valid proof that this was me that this account belongs to and can not provide my ssn at all. My id was stolen years ago and that is not even my address that they have on file. 

I will be consulting my consumer attorney because they are violating my rights according to the Fcra and FTC. This is also harassment and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted Equifax several times explaining that I have never lived at these addresses but they continue to report them. I have explained that I am a victim of identity theft and there have been different addresses and inquires added to my credit report. This information is not mine and I want it deleted from my reports. 
The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX These inquires do not belong to me and need to be removed immediately XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of that are not mine. I need those items removed as soon as possible please.

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 2018-06-07
Company: On-Site Manager, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX denied me rental on XX/XX/2018, based upon the background check reported by agency. I have reviewed what was reported upon request to XXXX XXXX out of XXXX Texas. It is incorrect. It states I was charged and convicted of a XXXX and XXXX counts of XXXX. This is incorrect. 
I have sentencing orders showing there are XXXX XXXX ( XXXX for XXXX XXXX and XXXX for extreme XXXX ). I was ordered XXXX XXXX for 18mths, but will be lowered and set aside after completing 9 months. 
I want this corrected asap and can submit documentation to support this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This pertains to a cashout refinance loan for a primary residence with Wells Fargo. This is also related to a prior CFPB complaint ( from Q1 XXXX ) against Wells Fargo on this loan. Although some fees were waived from that complaint, I still incurred several excessive fees as a result of the issues that were arose. The loan was closed at the end of XXXX with Wells Fargo holding ~ $ XXXX in escrow as renovation work had started on the property. Wells Fargo requires the property to be in habitable form in order to close and agreed to an escrow holdback until the renovation work was completed including a final inspection to determine if the property is habitable. The final inspection occurred and was also provided to Wells Fargo last Friday, XXXX XXXX. Wells Fargo still has not provided a copy of the final inspection/appraisal report to me as is required and did not follow up on the release of the escrow until I did this week. Neither the appraisal nor the escrow has been provided to me.

Contrary to what was represented to me during numerous  conversations and correspondence throughout the loan process, Wells Fargo is now requiring that a copy of a paid in full invoice to the contractor be provided before releasing my funds. This requirement pertains only to construction loans, NOT cashout refinance loans for a primary residence. When I questioned this request ( paid in full invoice to the contracto ) prior to and at the closing table, I was told by Wells Fargo that " this is our [ Wells Fargo 's ] standard escrow form for everything, we [ Wells Fargo ] ca n't make any changes to the form, and only the habitable requirement upon satisfaction of the final inspection is needed to release the escrow funds. '' A satisfactory final inspection was completed and submitted to Wells Fargo last Friday, XXXX XXXX. Now, Wells Fargo is requiring a paid in full invoice and categorizing this loan as a construction loan. This is misleading as all of the documentation, including the loan estimate, closing disclosure, and final closing documents clearly state this loan is a cashout refinance on a primary residence. I have paid nearly eight months of interest on $ XXXX being held in escrow and now Wells Fargo is prolonging its release costing me additional interest and lost potential revenue ( as I could be holding this money in an interest bearing account, etc. ).

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 2021-08-21
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto lease with Ally Financial, and have been paying all monthly payments on time up to XX/XX/2021. Ally repossessed the vehicle unilaterally from a towing company in XX/XX/2021, no response from Ally after exhausted efforts ( see my letter via online portal to Ally on XX/XX/2021 ). Ally sold the vehicle in XXXX, and sent me the final statement on XX/XX/2021. I paid the final amount without any delay ( see Letter from Ally on XX/XX/2021 ). 

To my surprise, Ally reported a " Charge off '' to credit bureaus ( see XXXX  as an example ) in XX/XX/2021. This has impacted my credit score significantly and unfairly. 

I believe that Ally is practicing an egregious procedure to damage consumer 's credit score for their financial benefit.

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 2020-05-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made a payment to XXXX Visa from TD bank XXXX, under social security XXXX on my checking account on XX/XX/2020 and the TD bank after many weeks refused to pay XXXX  Visa. I am now left with a late fee on the XXXX payment to XXXX XXXX and now behind on two payments. I paid {$100.00} to join XXXX XXXX as well as XXXX a year so it is a total loss for me not to have the card. 
TD bank is locked up, and their phone service is totally unavailable. I wrote them a letter and tried XXXX but they no longer communicate with the customers. My roommate just uses the ATM and no change is available anymore for laundry. I used to get quaarters there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have contacted this company a number of times regarding these unauthorized hard inquiries. They are not willing to help and have not yet removed them or sent me proof about what happen or why they are there.

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 2020-06-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have disputed a public records account that Experian is reporting on my credit report. In XX/XX/2020 I had written a letter to ask Experian to provide me with the method of validation on the information they are using to make such a claim. I received a letter back from Experian on XX/XX/2020, dated XX/XX/2020 stating the dispute results. in the letter i had received, they did not provide me with information, no proof, no source of validity and therefore the negative information remains on my credit profile.

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 2019-01-31
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt for XXXX XXXX was put into my name but the got sent to a debt collector ( Penn Credit Corp ). I  called to get the debt off of my credit report. My mother called the company and set up a payment plan by putting it in her name. The bill is still on my credit and Ive filed a dispute with XXXX  and Penn Credit Corp has still not taken the debt off of my credit so my Credit score continues to go down even though the bill is in my mothers name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was sent a listing for a beach house rental For the week of XXXX by someone name XXXX XXXX XXXX XXXX XXXX XXXX I was told that if I booked the rental through XXXX that I would have to pay extra fees but if I paid via XXXX, that I would not have to pay any transaction fees. I had access to XXXX through my TD bank account app so I was under the assumption that my transaction would be protected by my banking company. I submitted two payments, one was a down payment for {$1000.00} on XX/XX/XXXX, and the next was a final payment after I received the lock box number, property address, full contract/rental agreement and an invoice ; this payment was for {$450.00} on XX/XX/XXXX. I showed up to the property on XX/XX/XXXX and it had already been rented out. I immediately called TD bank who transferred me to the XXXX department to file a fraud alert as the transaction that I had submitted to XXXX XXXX, actually went through to a XXXX XXXX. Unfortunately XXXX said I was not protected by TD bank fraud, and XXXX is not responsible for fraudulent payments or scams. They said I will need to file a police complaint instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon termination of my lease in XXXX I was assessed a disposition fee above the contractual obligation. In investigating this fee I had discovered that XXXX XXXX was charging for hail damage to the vehicle. This vehicle never experienced a hail storm while in my possession. 

The process of contacting XXXX XXXX XXXX XXXX and disputing the charge took costly time. Once the determination was made by a XXXX representative that I was indeed not responsible for any additional charges, as there was no hail damage, I immediately paid the remaining disposition fee. I had never been late in a vehicle payment to XXXX or any other automotive debtor. 

Because of the time it took XXXX XXXX to investigate and correct this charge I was outside of my 30 day payment window. They they reported me to the 3 bureaus as having a late payment. 

I sent my formal request to have the negative marks removed from my credit report at the 3 bureaus ; XXXX, XXXX, and XXXX. I submit this request on authority from the representatives at XXXX. I included a brief statement on what had happened and a copy of my credit report. On XX/XX/XXXX I received a letter from XXXX XXXX saying their reporting was correct. I called on XX/XX/XXXX to take further action. At this point I was informed I could make another formal dispute but could not actually speak with anyone who makes the decisions. A customer service rep by the name of XXXX and his supervisor XXXX were quite unwilling to help. 

I just want the negative mark removed from my credit. I am currently not obligated with any further debt to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I was going over my credit report and I seen address and information that is not accurate. 
My Name is XXXX XXXX XXXX, please remove any other variations on my name. 
My Current employer is XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete/remove the following address below : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation