BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize any of the following hard inquires and I'm asking that they be removed : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: DISCOVER BANK
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a Discover XXXX checking account for 2 years. All of sudden my account was closed without any explanation. I have a balance of over {$10000.00} which they stated they could issue a check for in 60-90 days. Ive tried to resolve the issue by offering to provide any information but its been unsuccessful. They are making feel like I did something wrong when I havent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: LoanCare, LLC
State: MI
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:
My mortgage was being serviced by Loancare , LLC of XXXX XXXX XXXX, XXXX XXXX Va XXXX. They automatically took the mortgage payment from my checking account on the first day of each month ever since they took over servicing the mortgage. Our LAST mortgage payment was due to be taken out on XX/XX/2021, and more than enough funds were there. However, Loancare failed to take out the last payment on XX/XX/XXXX, which I did not realize until after I looked at my Bank Statement after XX/XX/XXXX, and claimed that I had not asked for a pay-off letter so they did not take the final payment. No one ever told us that we needed to request a pay-off letter, and after requesting one, they demanded that we wire the last payment to them even though it was less than the money they were holding in escrow for taxes and insurance. ( They did refund that money later. ) We wired the money immediately, at a cost of {$35.00}, but in the meantime, Loancare reported us to the Credit Reporting Agencies as missing payments, which caused a huge drop in my credit score.

When I wrote to Loancare to correct their mistake, all they did was to report that the account was now current and closed, never correcting the erroneous characterization of our payment as being late.

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 2016-10-29
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have tried to work with Nationstar Mortgage but they have said they prefer to short sale or foreclose. I believed I qualified for a HAMP loan but it was denied. They issued a Standard Loan Modification that I could not afford. Nationstar is forcing foreclosure and short sale only options. They have said that they are not obligated to provide me with a loan modification. My problem with this is ; I would never do business with this company, but I am forced to. Where is my protection from predatory non-bank lenders? 
I want to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Rolfe & Lobello, P.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt collector Rolfe and Lobello is in direct violation of my privacy right by contacting my employer XXXX XXXX which in turn shared my information with adp a payroll  company to garnish my wages for twenty - percent per pay period until debt is paid in full. I did not authorize my personal info to be shared by anyone which is a violation on XXXX  act. The balance is intentionally being reported with incorrect info from rolfe and labello as of this email my balance is XXXX they are reporting my balance at XXXX which is inaccurate. per these violations i am asking for garnishment to be dissolved and all money be returned asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: LJ Ross Associates
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There has been fraudulent charges in my XXXX bank account and I reported it to them IMMEDIATELY. They removed the charges but didn't remove the fees for my account going to negative for these charges. 
Basically these fraudulent charges have been made in my account and these were revered back but the fees associated with these fraudulent charges making my account go to negative haven't been reverted back. 

They said it'll take a month to investigate the charges in my account after a month they got back to me and said they indeed were fraudulent charges and removed them but didn't remove the fees. 

So I closed my bank account there cause their policy is unfair. 

If the charges were fraudulent why should I pay the fees associated with them? 


Now they put a derogatory mark in my credit score caus of this. This is totally unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: LEXISNEXIS
State: MN
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:
LexisNexus is advertising as a consumer credit reporting agency, selling & sharing personal information that has not been authorized, is unsubstantiated, inaccurate personal information, which adversely affects the ability to work , drive and is personally causing monetary damages as a result of the inaccurate data theyre collecting from insurers who are obviously submitting inaccurate information ; which affects insurance score & is a complete conflict of interest and unethical. 

What is the insurance credit scoring method, who authored XXXX insurers, who report inaccurate information for their profits ), how long does it effect a consumers credit score, how can a consumer improve an insurance credit score? 

Inaccurate information reported by insurance companies is acknowledged by insurers to an insured then insurers refuse to tell you what data information collected and incorrectly reported is LexisNexus ( possibly other data collectors-not disclosured to consumer ) refuse to correct the inaccurate information that insurers have knowingly, incorrectly reported/shared unauthorized, unsubstantiated information. Insurers will not provide the proofs necessary to correct the inaccurate information/LexisNexus credit report. I reiterate complete conflict of interest for the consumer, completely GROSS profit to insurers with literal net losses for consumers. I am NOT a customer or Consumer of LexisNexus, they request personal information to be shared by you to correct, incorrect information provided by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill statement from XXXX XXXX XXXX collecting debt I never own. I am not owing this company or Speedy catch or any of their associates any debt. I just received a letter ( ( XX/XX/2020 ) from XXXX XXXX XXXX saying that " is now servicing your delinquent account on behalf of XXXX .... '' I do not have any account with speedy cash. I am not owing this company or Speedy catch or any of their associates any debt. I put " Credit freeze '' on my account with the major credit reporting institution to prevent any company from opening any account on my name. I reported to XXXX XXXX XXXX   ( XXXX  ), and when confronted, XXXX XXXX produced typed " Lender Disclosure agreement '' without ant money transaction record. I rejected their disclosure since I never opened an account with them or received any money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: SYNCHRONY FINANCIAL
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I initiated a transfer of {$10000.00}. from my XXXX Account to Syncrhony Savings. According to transaction number XXXX this transaction was completed on XX/XX/XXXX. 

I saw on XX/XX/XXXX & XXXX on my Synchrony Mobile App that the amount was pending. By XX/XX/XXXX, the amount was no longer pending to my account and NOT credited. 

I have been back and forth between XXXX and Synchrony as to where my money is. XXXX says they can not issue a reversal or stop payment because the transaction is complete and Synchrony says they have not received the payment ( even tho from my mobile app I saw it pending on XX/XX/XXXX & XXXX ). 

I have submitted a claim with you for XXXX but in case the issue is with Synchrony, I am also submitting XXXX with you for that.

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 2018-10-27
Company: Experian Information Solutions 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:
XXXX XXXX continues to report this account and it should be removed since it was first reported on XX/XX/2011 and should come off in 7 year window. XXXX accepted an amount lower than the amount owed in a collection agreement but still continues to remove this account from my credit report. I have previously disputed as being paid and they refused to remove this and instead listed status as Updated in dispute. When I went through the collection process, I was informed that if I paid off the amount being requested, this would be removed from my credit report once paid and it has not been.

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 2018-10-27
Company: EQUIFAX, INC.
State: WA
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:
Currently all three credit agencies XXXX, XXXX, and Equifax have on my account that I have had a real estate foreclosure. This is incorrect as I still own this property and the bank has not been able to successfully foreclose threw court. The mortgage has a lot of issues and is currently in legal proceedings. I find it that reporting I have a forecloser is purposely damaging my credit report. They have been asked to remove this from my report. Until they receive court documents from the state hawaii that verify in fact that this property has been foreclosed on this should not be on my record or listed as a forecloser. The court has not made a decision on this matter since being in court since XXXX till current. It is not the credit reporting agencies right to report false information due to the request of a third party and has for the last couple years adversely effected my credit score and credit decision and has cause damage to my credit worthiness. This matter has been brought before and asked to be removed and hasn't. This mortgage debit is also over seven years old and payment hasn't been made since XXXX due to banks failure to provide information on who payments where being made to and other issues outside of a credit reporting agencies business of reporting credit related items. This violates credit fairness and truth. That a third party having nothing to do with the mortgage and loan was allowed to make this request and it be included on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My XXXX student loan was bought by XXXX. They said they were going to move the student loan over to the XXXX system, and give me a 71 % discount on the loan. I have n't been able to make any payments because I am paying the XXXX student loans. 

It is showing that this loan is going in default, and also that the loan has n't been switched over to XXXX. 

I am filing this to get a deferment so that the XXXX Student loan can be transferred over at the new 71 % discount rate, which would make the loan originally less than XXXX dollars. 

The implementation of the loan onto XXXX 's website has taken so long it has started affecting my credit score. 

I tried to call AES to put the loan on forbearance or deferment but to no avail they will not work with me to do the deferment. 

I need it to be deferred XXXX more months. So the loan can be transferred over to XXXX, and be rolled into the bankruptcy settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: NJ
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:
I can not wait to return this vehicle and never deal with XXXX XXXX   again This is the second time in 3 months they have inaccurately reported a late payment on my credit report. The first time was in XXXX when they did not put through my COVID relief on my account and put a 30 day late on my report they fixed that and now once my relief was up there was an extra {$73.00} bill on my account they could not tell me where the bill came from as I had paid up my previous bill and 2 payments were moved to the end of my lease due to covid. I spoke to 3 representatives pertaining this matter the first one stated she could not  figure out where the bill came from and she was going to request an investigation into my account. The second representative who called me while I was working stated he could not see any notes or proof of an investigation and would look into the matter and call me back after XXXX and he yet again could not understand where the bill came from when I was reviewing my statements with him. Finally on XX/XX/2020 the last representative called me and she yet again could not properly explain the bill kept telling me it was a good thing that due to me always overpaying on my bill in previous bills that I only owed {$73.00} for a bill in XXXX that made no sense but to avoid you hitting my credit I just paid it and wanted to be done with it and she stated she was sending a full print out to explain what she meant which I have not yet received. Then he we are on XX/XX/2020 and you yet again dinged my credit with this nonsense. I do not ever want a XXXX  or XXXX  due to this bank, you have lowered my credit score. I am a front line working nurse who seeking covid relief instead all I you have caused me is financial hardship and two separate occasions. Please remove this off all three credit bureaus

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 2020-09-11
Company: EQUIFAX, INC.
State: NJ
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:
I can not wait to return this vehicle and never deal with XXXX XXXX   again This is the second time in 3 months they have inaccurately reported a late payment on my credit report. The first time was in XXXX when they did not put through my COVID relief on my account and put a 30 day late on my report they fixed that and now once my relief was up there was an extra {$73.00} bill on my account they could not tell me where the bill came from as I had paid up my previous bill and 2 payments were moved to the end of my lease due to covid. I spoke to 3 representatives pertaining this matter the first one stated she could not  figure out where the bill came from and she was going to request an investigation into my account. The second representative who called me while I was working stated he could not see any notes or proof of an investigation and would look into the matter and call me back after XXXX and he yet again could not understand where the bill came from when I was reviewing my statements with him. Finally on XX/XX/2020 the last representative called me and she yet again could not properly explain the bill kept telling me it was a good thing that due to me always overpaying on my bill in previous bills that I only owed {$73.00} for a bill in XXXX that made no sense but to avoid you hitting my credit I just paid it and wanted to be done with it and she stated she was sending a full print out to explain what she meant which I have not yet received. Then he we are on XX/XX/2020 and you yet again dinged my credit with this nonsense. I do not ever want a XXXX  or XXXX  due to this bank, you have lowered my credit score. I am a front line working nurse who seeking covid relief instead all I you have caused me is financial hardship and two separate occasions. Please remove this off all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX Account # XXXX XXXX, and Account # XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
On XX/XX/XXXX I made a purchase using my Capital One credit card. The package was delivered on XX/XX/2022 and stolen from the mail room of my residence. I contacted Capital One to dispute the charge as I never received it and a temporary adjustment was made. Without my knowledge they rebilled my account for the item amount. I never received the item and now I am on the hook for a purchase I never received and was stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-27
Company: Credit Karma, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have not received a bill in the past and suddenly have a notice on credit karma that I have an account in collections that I am not aware of. I dont not feel responsible and feel like this should be removed from my credit report.

Company response to consumer: Closed with explanation