BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-12
Company: Harley Davidson Financial Services Inc
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I have had lot of medical issue s and had my girlfriend paying bills that come to mind out wasn't and now that I know about called Harley Davidson financial and asked to refinance or to work something out they refuse they have called late at night and called other family members disclosing my information with out my consent been threatened by them the third party finance recover people and repo guy threats of haveing me put in jail. And I traded and put money down on bike and paid for warranty that was worthless and after all that the total was supposed to be around 11000 now they say I owe them XXXX and change the bike is garbage hasn't ran right it's junk and they knew that I wanted a different bike they pressured me into this said they couldn't fiance that one should have known then it wasn't right but I'm pretty sure they have broken over 4 laws and refuse to do anything or compromise.at the least they should have to remove this from my credit don't know why they would even want it back not running I'm guessing so they can sale for XXXX dollars and come after me for the rest think not. Any help y'all can provide will be appreciated thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Netspend Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018 I purchase a NetSpend prepaid card in the amount of $XXXX for my son to use on his XXXX games. I active the card in my son's name and social security when I got home. I have some issue with the activation so the next morning I called Netspend to inquire why their was an issue. I was informed by the rep that my son was too young to get the card and I would need to submit my information if I want get the card in my name. I told the rep I did want to send my information to Netspend and I would like my refund back. I was informed that I would get my refund within 14 days it's been a month and 4 days and I have not received my refund I called every day and they informed me that it been escalated to their accounting department and I should wait everyday is the same story.

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 2020-12-01
Company: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
At the end of XXXX - XXXX I was in the process of a move and career transition. I contacted Sallie Mae, my student loan provider, to request a forebarence on a few of my loans that I had with them to make the transition and move more seemless and easy for me financially. I was told over the phone the my requests had been submitted and accepted and that I would not have to pay on my loans for 3 months. About a month later, my cosigners and I started getting bombarded with phone calls from the company claiming that I had payments that were late, that were incruing massive late fees and penalties, and that I had to make the payments on the loans, which was completely contradictory to what they had discussed with me on the phone. I was not in a position to make those payments, as I was in the middle of a career change, a move, and had already made plans for my finances that didn't allow me the flexibility of repaying those loans at that time. So a couple of my loans went past due for a few months ( XXXX and XXXX XXXX, and XX/XX/XXXX ), i missed some payments, and a couple others were missed for about one month ( XX/XX/XXXX ). I did what I could to keep the loan payments up to date but was obviously unable to do so entirely. The company completely misinformed me, telling me that my forebarence was approved, and then turned around a month later, without notifying me, and started requesting payments and charging ridiculous late fees. The company was unwilling to negotiate any flexible payment options and just insisted I pay the full balance and late fees.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I been receiving calls from   XXXX   XXXX   several times a day including at work when they know I can not be on the phone at work its just keeps on getting worse! Especially  XX/XX/XXXX  I received a call from  XXXX  She refused to tell me why she was calling until i told her my name and she was very rude. I told her I would pay the account if  XXXX  would delete it from my credit file she went on saying it will be on my credit until  XX/XX/XXXX so she went on and said lets pay it. I never received any notifications from  XXXX  in writing or any notifications on how to dispute this debt with them. I went to   XXXX    website located at https :   XXXX   I chat with a person and she told me i would have to call the rude people I let her know this company would attract more bees with honey than vinegar and my experience with this company has been alot of vinegar. She went on and open a complaint with there internal department but that all she can do. I did look at the accounts they claim I owe them online in there portal and the only information it has the name of the original creditor and the balance owed to the original creditor and the last payment the original creditor got and that 's it. There is no proof that they bought the loan from the original creditor. They might of only purchased the information such as name phone number last 4 of ssn and account info name and last payment but again there is n't proof of that either. I also want  XXXX  to stop calling me off of an automatic dial system such as " ROBO CALLS ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
A debt to XXXX XXXX XXXX was paid in full. The debt was paid to the company and it had a XXXX balance. Now a collection agency is trying to collect on the same debt that XXXX has paid in full. They sent me the receipt with a XXXX balance. I have the proper documentation stating that it is paid in full. XXXX XXXX is also trying to collect on this debt. I will attach the {$0.00} balanced receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a SYNC/TJX COS Credit Card I was never late or delinquent on any payments. I had a XXXX balance on this card and the Creditor closed the account due to inactivity or because it wasn't used as frequently. The creditor closed the account without my knowledge or permission thus affecting my Credit negatively

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 2020-08-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent in PROOF to Equifax through certified mail showing That these two accounts Under the name " Ohio Dept Oh Human S '' are inaccurate! 

A closed account CAN NOT! Have a monthly balance this is a direct and obvious violation of the FDCPA. 



Equifax needs to delete these two inaccurate accounts from my Equifax credit report because this is a violation of the FDCPA.

The violation is Defamation, willful injury. Violation of the FDCPA Equifax Information Services LLC refuse to correct information after being provided proof of inaccuracy. 

FCRA Section 623 XXXX XXXX XXXX XXXX XXXX. XXXX COurt of Appeals for the XXXX Circuit Court case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX. 
No. XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I had made a purchase for {$1000.00} even on my credit card for a ring I had for my mom on XX/XX/2019, I returned the ring, and was supposed to get refunded the amount for the {$1000.00} even on XX/XX/2019. I have the receipt in hand stating that I bought the ring, and returned it for the full amount four days later but the credit card company is saying the sore never refunded my account, and the store which I made the purchase from says they did. Ive been trying to get this resolved but they just keep blaming each other sending me back and forth. Ive sent out emails to the credit card company about the receipt, Ive sent them the actual receipt through USPS and they havent done anything to resolve my problem. I dont want to pay for something I dont have at all. If you can please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
As a victim of identity theft for over 7 different fraud accounts, I was able to dispute, solve and remove all these accounts from my 3 major credit reports with the credit bureaus and by directly contacting the creditors, except for XXXX XXXX credit company. I had a XXXX XXXX credit card which I permanently closed back in XXXX. However, XXXX informed me that a fraud account was opened under my name back in XXXX but never been used, and they captured this fraud account and closed it around a week ago. I have contacted XXXX XXXX few times to request that all their information to be removed from my credit reports, including the fraud account that they captured and has no outstanding balance or dues, as it indicate negative effect on my credit score. However, XXXX XXXX refused to remove these data or to request the 3 major credit bureaus to remove these accounts from their data. XXXX XXXX also refused to provide me with the account or card number. The agents and managers that I spoke to in XXXX XXXX claimed that this is their policy and regulations that they have to follow! XXXX XXXX has been always the worst creditor ever and the least who cares about their customers, and this is what made me close my account back in XXXX. I need all data and info related to XXXX XXXX to be permanently removed from any credit report belongs to me.

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 2020-12-01
Company: Nelnet, 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 sent in letters to the credit bureaus stating that i had invalid and unverified information on my credit report and I have not heard anything back from the credit bureaus. Please remove the accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called XXXX in XX/XX/2018 about having my pay collection account take off of my report. It have been 41 days and it still on my credit.

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 2018-03-31
Company: Stearns Ventures, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
To : XXXX XXXX XXXX My Tax Exemption I.D . XXXX. XXXX # XXXX Stearns Lending LLC. VA Mortgage Loan Payment Dispute XXXX XXXX XXXX XXXX , Tax Exemption Payment Violation ; extortion. 
XXXX Floor I am XXXX XXXX XXXXXXXX Veteran. A XXXX  XXXX XXXX, XXXX  XXXX Veteran ; according to my Mortgage Payment Location. 
I am a XXXX XXXX XXXX XXXX XXXX. 
In reference to my VA Mortgage Payment, Stearns Lending LLC. Refused to remove or deduct my Tax Exemption from Escrow Payment. Which becomes a Breach of Contract according to our Law and Constitution. Americans with Disabilities Act ( ADA ) as I clarify here-above about my Status. 
Stearns Lending LLC decided to transferred my Mortgage payment to XXXX XXXX Due to my Complaints I filed through ( CFPB ) against them and their consumer financial violation on my VA Mortgage Loan with them. This Mortgage Loan was Transferred to XXXX XXXX on XX/XX/XXXX. Made Seven payments already to our VA Mortgage, in the amount of : {$1800.00} each month through Stearns Lending LLC.

Vulnerability from Stearns Lending LLC XXXX XXXX. According to the response, and, information defending violations ; have had they done to me and my VA Mortgage Loan with my wife. It also deemed especially egregious the disregarding to my Tax Exemption through-out 7 months of payments been made. I am sincerely asking for a rectification to our VA Mortgage Loan immediately. Otherwise, it is a breach of contract violation. Including under Americans with Disabilities Act ( ADA ) Federal Law of XX/XX/XXXX. 
I consider Stearns Lending LLC action and activity to my Mortgage Payment a breach of Contract. According to Federal Law is concerned for Veterans Home loan Rule & Regulation. They might trying to Revised VA Home Loan Contract to Finagle us Veterans with our VA Home Loan Benefits Unscrupulous and Maladminister conduct by Stearns Lending LLc. I still want to see a Rectification. By Refund all my Tax Exemption money they charged me for my Escrow payment since XX/XX/XXXX through XX/XX/XXXX. If the shoe is on the other foot they will know XXXX well how it feels. Walk a mile on someone else shoe you all XXXX XXXX Stearns Lending LLC. Pardon me ( CFPB ). it does triggers my ( XXXX ) for what they're doing to me and my wife and children.

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 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.

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 2019-02-19
Company: Financial Recovery Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX XXXX XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: National Credit Systems,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 SENT IN MY LETTERS TO THE CREDIT BUREAUS TO REMOVE THE INVALID AND UNVERIFIED ACCOUNTS FROM MY CREDIT REPORT AND I HAVE NOT HEARD BACK FROM THEM. PLEASE DELETE THE ACCOUNTS FROM MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
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: Old information reappears or never goes away

Complaint:
I have contacted the XXXX to remove XXXX XXXX for a account that was settled and supposed to be removed from the credit report but still appears

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 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My rights and Federal Law has been violated.

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 2018-03-31
Company: EQUIFAX, INC.
State: MI
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:
Hello, In XX/XX/XXXX I  purchased a vehicle. I obtained financing through XXXX XXXX, but recently saw that the dealership must have submitted for approval to more than one lender ( in reality they pulled NINE hard credit reports for me ). My understanding was they would submit a hard inquiry and the best rate was what we would go for. I am so heartbroken to see nine hard inquiries on my credit report, over a year later. My MAIN concern, is that 3 of them have duplicate pulls. 

XXXX ran a hard inquiry on XX/XX/XXXX and AGAIN on XX/XX/XXXX. 

XXXX ran a hard inquiry on XX/XX/XXXX And AGAIN on XX/XX/XXXX. 

XXXX ( which I believe to be XXXX   XXXX ) ran a hard inquiry on XX/XX/XXXX and AGAIN on XX/XX/XXXX. 

The others ran were : XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

I have read in many places that credit reporting agencies allow hard inquiries for auto and home loans pulled within 45 to 30 days to count as one inquiry on your report, but sadly mine all show as separate pulls of my credit, nine times. This is impacting my ability to obtain fair credit across the board simply because the car dealership I selected shopped around unbenonced to me. Any assistance in how I go about removing or condensing these hard inquiries from over a year ago would be incredibly appreciated. 

Many thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company flagged my account today for a debt I was never contacted for nor made aware of. I was never giving the opportunity to dispute or verify the debt. How did this debt occur in XX/XX/2020 when Im currently with the company XXXX that the debt is for? This debt looks fraudulent and I should have been contacted before they decided to damage my credit reports without any attempt to communicate first.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
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 information incorrect

Complaint:
I have several queries from the same provider ( Equifax Mortgage, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX ) for the following dates : XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, XX/XX/2016, on my XXXX and Equifax accounts. Please delete these queries immediately.

Company response to consumer: Closed with explanation