BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: Experian Information Solutions Inc.
State: IL
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:
On XXXX XXXX I disputed the following : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX and they have yet to respond in the time allowed by the FCRA. XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately.

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 2017-10-31
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have sent requests to Navient many times to lower the interest rate to make this more affordable for me and the lender wo n't because it 's un-subsidized. I have two other loans with them that I ca n't begin repayment on because this one is too high. 

That said, whenever I have made payments over what I owe, the next payment decreases instead of them applying it to the principal to reduce the interest being paid. They have done this with each over-payment and continue to do that. The interest rate keeps increasing and there is still unpaid interest even though I have sent in hundreds over what I owe. My chief complaint is that they are misapplying funds to keep the interest as high as possible. 

XXXX - {$300.00} XXXX - {$300.00} XXXX - {$300.00} XXXX - {$300.00} XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I did a bank account to bank account transaction with moneygram to send money to XXXX for {$2000.00} on XX/XX/2019. Received the confirmation on XX/XX/XXXX that the transfer is sent and the amount will be deposited to the receivers account. On the XX/XX/XXXX got a call from my receiver that its not deposited in the account. I called Moneygram and the customer service agent informed me that they had an IT problem with this transaction and its not been processed and it will be updated in 24-48 hrs and the money will be available. Came to know on XX/XX/XXXX that my receiver haven't received the money yet. I called them again on XX/XX/XXXX and they informed that the IT department is still working on it and asked me to check back in 24-48 hrs. I asked them for a refund and they still told me to check back in 24-48 hrs. Called them on XX/XX/2019.. and they informed me that the refund will take 30 business days to process. 

This has caused me big inconvenience of my time calling them again and again and to my receiver who needed this money urgently. 

I request your prompt action on this matter to get my refund immediately and also compensated for the inconvenience caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: AmeriHome Mortgage Company, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage processor allows one-time on-line mortgage payments. However, they do not allow you to enter the effective date of the payment. The effective date can only be the date that you enter the payment. For example, if I enter the one-time payment on the XXXX of the month, they will withdraw the payment on that date rather than the XXXX of the next month when my payment is due or any other date that I select. 

I believe this is an unfair business practice because : ( 1 ) if you enter payment any day before the due date they are getting early payment, which is a financial advantage to them, ( 2 ) it increases the risk to the consumer that if you wait until the due date to enter the payment but forget and they reap the benefit of the late fees, ( 3 ) it unfairly incentivizes the consumer to sign up the for the automatic monthly payments so you can pay on the due date but not forget to pay. 

Every other business where I use on-line payments has the feature that allows you to set the effective date of the payment ( e.g., credit cards, utility companies ). The mortgage processor is intentionally and unfairly implementing this to manipulate consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
Hello I am wondering why my Kohls and Cabelas account show up as Derogatory information on my credit report. My Kohls card I use and pay off so I do n't know why they should harm my credit score. My Cabelas account should be closed, I do n't even have a card for it anymore. I called Cabelas the  first week in XXXX 2017 and asked them if I still had an open account with them, I gave them all my information and they told me that they had no account with that information anymore. So I took that as my account was closed and no longer active. That should not be harming my credit score. I have no balance, I have had no late payments, nothing. Can  you please help me get these off my account as something bad. Yes I have a lot of student loans, but I pay them. I do n't need an account I do n't even have harming my score for the future. Please help. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
transunion/XXXX  has two different removal dates for same company. XXXX is supposed to fall off XX/XX/XXXX but XXXX committed fraud by re-aging the date to XX/XX/XXXX dofd was XX/XX/XXXX, 7 years will be XXXX not XXXX! XXXX needs to stop playing games

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 2017-07-07
Company: Herbert P. Sears Co., Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency, HP Sears, has listed a collection account on my credit file. I have never done business with HP Sears. I do n't have a signed contract nor any other type of contract with HP Sears. I have the right to demand to see a signed contract between myself and this company. <P/>Also as of XX/XX/2017, based on the Nevada government website for financial institutions ( fid.nv.gov ), HP Sears does not currently have a valid license in the state of Nevada to collect on debts. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and HP Sears. I also request to receive physical proof that HP Sears is licensed to collect on debts in Nevada.

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 2017-11-13
Company: Experian Information Solutions 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 recently opened a credit card account. I supplied my P O Box address as my mailing address. Afterwards the two credit reporting agencies made three changes on my credit report. They added the credit card information, removed an address that I had not lived at in almost twenty years. They changed my address to the P O Box. I did not request an address change. This dropped my credi score by over 100 points dropping the status to a poor credit rating. As you are aware creditors can not serve consumers at P O Box addresses for defaulting on credit commitments thus this affects my getting credit, housing, and future employment. Why are the agencies allowed to change an address to a P O Box without the consumers 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 2020-02-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had a furniture company try to withdraw money out my account 6 times causing 6 {$35.00} fees on top of the NSF fee the bank charged me an additional {$35.00} per fee. My account went negative over {$260.00} dollars because of this. Because I make little money I was unable to get the account out of bad standing and the account went into collections. Wellsfargo just took everything out of my good standing account to cover the balance of the outstanding account and I have. They are unwilling to work with me and now I have -XXXX in my account. I have XXXX small children and no funds to feed them. This is just wrong. Please see what you can do to help me against these unlawful practices.

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 2019-08-04
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: Information belongs to someone else

Complaint:
I have been notified by Equifax of the data breach. Upon the link sent by Equifax it is confirmed I have been impacted by the Equifax Data Breach. As a result of this my personal information has been exposed which has caused unauthorized inquiries into my personal credit file. Upon review of my credit file I found several inquiries listed that I did not authorize. I am requesting these items be removed from credit file immediately. 

XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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 3 hard inquiries on my reports from XXXX XXXX XXXX, Capital One, and XXXX. XXXX. On XX/XX/2022. I did not apply for any credit cards. I spoke with XXXX XXXX XXXX. The credit application has all my personal information but is using a different phone number and possible different address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2017-11-13
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity - XXXX XXXX credit card does not have the option to set up reoccurring payments which is very inconvienent. You have to go online each month and setup the payment. Unfortunately I was dealing with an ailing family member and was preoccupied for months until they passed and forgot to set up my payments. I have gone online for several months even years and paid on time. This is the only creditor I have that does n't have an option for reoccurring and you ca n't set up the next one until after your payment is made. I received a phone message and was horrified that I forgot to set up that payment so I immediately setup a payment to make it current then I set up another one after that one got paid for the next due. Called the company the very next day was transfereed to customer relations and they told me to write a letter and fax it or mail it asking for forgiveness and if they can fix the late reporting to my credit report. I received a letter dated XXXX XXXX, 2017 stating they reviewed my file and ca n't make any adjustments to my credit reporting. Bottom line you should be able to set up any online account to have reoccurring payments so you do n't make the mistake of not setting it up every month. Even XXXX who has interest free promotions like XXXX XXXX allows you to set up reoccurring payments. It seems companies that wo n't want you to mess up so you end up paying all the interest ... which to me is very deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: MD
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Regional Management Corporation
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:
Someone stole my ID and Social and later used it to open the following accounts in my name fraudulently : Regional Finance Corp. 
Opened : XX/XX/2018 Amt. XXXX I have provided them with the Police Report, Incident # XXXX, FTC Identity Theft Report # XXXX. They have the suspect in custody, they stole XXXX from their employer out of XXXX County, their hearing is on Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: CL Holdings LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is attempting to collect a debt for XXXX. This debt is not mine and being reported as a derogatory mark on my credit report. XXXX is currently still sending me catalogs stating I have been approved for credit. I do n't understand why they would do this if they say I owe them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13
Company: SYNCHRONY FINANCIAL
State: IN
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: Problem with personal statement of dispute

Complaint:
I have three negative items on my credit reports. Two of which are related to me short-selling my home after a divorce in XXXX. The 1st mortgagee was XXXX XXXX XXXX XXXX and the 2nd mortgagee was XXXX XXXX XXXX. Both of those lenders accepted their prospective proceeds from the short sale in XXXX. I have no issue with those negative debts on my credit report. The third negative item is from XXXX XXXX XXXX ( partial acct # XXXX ... ) and it shows Paid in Settlement in XXXX. I believe there has been a mistake in reporting between lenders. I believe Synchrony, previously GE Money, was my original 2nd mortgage. As was common back then, my mortgages were sold to different lenders in the time I was there. I believe a reporting error was made because of a lender debt sale or name change. I have contacted the phone number on my credit report for Synchrony and been transferred to multiple phone numbers within the company. Finally, I spoke with someone at Synchrony who can only see the same account info in their system that is on my credit report because the account is so old. Synchrony, nor the XXXX Credit Dispute can show any documentation that this " debt '' is actually a negative item created by me. There was only a 1st and 2nd on my home and those were settled. I need proof of what this negative item from Synchrony actually is and how it was settled. If this debt ca n't be substantiated by the lender, then the negative item on my credit report needs to be removed. I have already intitiated and received and disputed the intial credit report dispute thru XXXX. There response basically said that " Yes,  Sycnchrony settled a debt with you ''. No other information at all. It could be a fradulent account and the lender provided no evidence to the contrary. Please help.

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 2018-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Last payment was XX/XX/XXXX. Complaint filed on or about XX/XX/XXXX with cfpb. Debt is about {$4100.00}. Called company on or about XX/XX/XXXX and told them to cease and desist all communication. Company continues to send collection letters. As you can see the debt is well outside the 7 year collection window.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Halsted Financial Services, LLC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
COLLECTION ( HALSTED FINANCIAL ) IS CLAIMING PAYMENT ON PURCHASED ITEM THAT WAS PAID FOR OVER ONE YEAR AGO.

Company response to consumer: Closed with explanation