BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: LA
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 to the Fair Credit Reporting Act XXXX account numbers has volated my rights : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 explanation
Consumer complaint received 2020-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The following accounts do not belong to me, therefore I'm asking for the removal of these accounts. 

1. US Dept ED 2. Dept ED XXXX 3. US Dept ED 4. Dept ED

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 2022-12-27
Company: Experian Information Solutions Inc.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2021-03-31
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced my VA loan with XXXX XXXX XXXX XXXX in XXXX of XXXX at 2.75 %. It cost me about $ XXXX to do the refinance, but it was worth it as the rate came down significantly. XXXX XXXX then sold or transferred the loan to Freedom Mortgage Company. A loan officer called me on XX/XX/XXXX from XXXX asking me to " call as soon as I can '' regrading my mortgage. I called him right away - assuming that something was wrong or there was some kind of problem. It turns out he was just trying to get me to refi again. I mentioned that this seemed like " churning '' as I literally refinanced less that XXXX year ago and that the rates are about the same right now ( in fact, current VA rates are a little higher than my existing rate ). I told him it was unethical to call me to do a refi in these conditions, and that he should have made clear in his message that it was a sales call. I asked that he not call me any more and that in the future if I wanted to refinance I would initiate it. He called me again the very next day - leaving a message to see " if I had any more thoughts '' about refinancing. So ... I am making this report because I want them to leave me alone - AND it seems obvious that trying to get someone to refinance a mere XXXX  months from a refi is textbook churning - it would not be in my financial interest and would only generate commissions and fees for his company.

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 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was contacted by my daughters camp on XX/XX/XXXX stating they never received my XXXX  payment. I checked XXXX and it said it was paid but not delivered. I called capital one and they said the money wasnt delivered and the same issue was with XXXX other payments as well- totaling XXXX dollars. They opened XXXX cases on XX/XX/XXXX which initially all got denied by the XXXX because they claimed the money was sent properly and all information was correct. I called right away and said they need to reopen the case because I had the money taken out of my account for XXXX transactions that were never successfully delivered. Since then I have spent hours on the phone trying to get this resolved but they keep telling me theyll escalate the case and adding more days to their investigation. I also spoke to XXXX and they said capital one has to resolve this issue because theyre the issuing bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I attempted to log in to view what the amount was and the information that Midland Credit Management had online for a bill that was owed. They said they referred my debt to a lawyer. That lawyer is another debt collector, XXXX XXXX XXXX, and not a lawyer like theyre claiming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a XXXX XXXX XXXX XXXX  veteran living on a fixed income, i am also in the process of attending college to complete my XXXX XXXX. All three credit reporting companies report different AMOUNTS different OPEN DATE incomplete account number and ORIGINAL CREDITOR XXXX XXXX XXXX   XXXX XXXX, I bank with XXXX and XXXX XXXXXXXX XXXX PRIOR TO XXXX. I have never had an account with XXXX XXXX XXXX. I contacted XXXX XXXXXXXX and they have confirmed that I XXXX XXXX XXXX have never had an account with them and XXXX XXXX does not know why PORTFOLIO RECOVERY ASSOCIATES LLC IS REPORTING TO THE CREDIT REPORTING AGENCY. i HAVE CONTACTED PORTFOLIO RECOVERY AND THEY HAVE NO INFORMATION, ONLY ASK ME TO PAY. WHEN I ASK FOR PROOF THAT THIS IS MY ACCOUNT PORTFOLIO RECOVERY ASSOCIATES DISCONNECT THE CALL. i HAVE WRITTEN LETTERS AND HAVE NEVER RECEIVED A REPLY. MY CREDIT REPORT SPEAKS FOR IT SELF I DO NOT USE CREDIT, I HAVE A VISA CREDIT CARD WITH XXXX {$1000.00} LIMIT AND ITS ALWAYS PAID I DO NOT AND HAVE NOT HAD ANY OTHER CREDIT CARDS OR ACCOUNTS WITH ANY OTHER LENDING INSTITUTION OVER THE COURSE OF THE PAST 7 YEARS EXCEPT FOR XXXX. I REQUEST PROOF THAT THIS AMOUNT OWED IS MINE THERE MUST BE SOMETHING WITH MY SIGNATURE ON IT. TO OPEN AN ACCOUNT ONE MUST SHOW  IDENTIFICATION ANY PROOF THAT THIS IS MINE. I AM A XXXX XXXX VETERAN LIVING ON A FIXED INCOME, I AM VERY TIGHT WITH MY MONEY I WOULD NEVER HAVE ANY ACCOUNT WITH ANY OTHER LENDING INSTITUTION BECAUSE XXXX TAKES CARE OF ALL MY BANKING AND CREDIT NEEDS. HOW CAN THIS BE. NO PROOF AND DIFFERENT INFORMATION REPORTED TO ALL THREE CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Nelnet, Inc.
State: NC
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:
Back between XXXX and XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from Nelnet. In XX/XX/2015, I noticed on my credit report that Nelnet reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments were deferred. I have asked for the phone conversation on that day and they couldn't produce it. 
This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Navient Solutions, LLC.
State: FL
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:
Per the new Navient Bankruptcy Settlement, Navient must refund any funds collected post XXXX XXXX  on Private Student Loans. 

The " Private student Loans '' were included and you received notice for the meeting of the Creditors back in XXXX. 

The 2 Private Loans were Predatory. The loan amount for a non-certified degree for which I was misled by the school, Amounted to XXXX ( variable interest pd {$6500.00} ) and XXXX ( variable interest pd $ {$13000.00} ) respectively. The cost of the loans was {$14000.00} of which almost XXXX was refunded to the school. The total cost you billed me post XXXX XXXX  was $ ( XXXX + [ accrued interest - ( XXXX ) = XXXX ( accrued interest fees ) ] TOTAL = {$33.00}, XXXX more than double the amount initially borrowed. Furthermore, NO fees should have been collected post my XXXX XXXX Discharge as I was still recovering from my double mastectomy where I had to have about XXXX XXXX due to them finding more XXXX after initial XXXX possibly due to all the stress you were causing me that affected my health negatively. 


I ended up paying almost the interest as mentioned was exorbitant. 
The magistrate knew this was a hardship as I had recently recovered from XXXX XXXX XXXX starting XXXX and ending in XXXX. I had numerous medical bills that were not covered/authorized by my insurance and this is why I had to file for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have made numerous attempts to unfreeze my Experian credit report. The other two agencies had no issues. My concern is that I am unable to unfreeze my report in Experian and there is no human to answer the phone. Experian provides and directs me numbers which I call. But, the options are minimal and are not consistent with my issue. In addition, there is no way to reach a human. I have called, emailed, gone online, etc. Experian has made no attempt to reach out to me to assist. This is adversely impacting my ability to obtain financing for a home I would like to purchase and I may lose out on it and certain rates, etc because of this. In addition, how can a company that holds so much power over somebody's credit not have a human being available to assist with any issues?? This should be illegal. Can you please help me? Thank you so much.

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 2022-12-27
Company: BMW Financial Services NA, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The lease term for the XXXX BMW was for 36 months. 
The monthly payment was {$1000.00}, equaling {$36000.00} for the full lease term. 

The {$51000.00} balance as of the recovery rate on the document is incorrect. Being a LEASE and not a financed vehicle, I am not responsible for the full balance of the cost of the vehicle. I am only responsible for the 36-month lease. 
Of the 36-month lease, I paid - {$13000.00} not including the trade-in of the XXXX BMW valuing {$8700.00} XXXX 

The total amount I paid into the Lease was - {$21000.00}. 
The full lease term was {$36000.00} {$36000.00} - {$21000.00} equals = - ( XXXX XXXX. 
_____________________________________________________________________ The Action recovery amount BMW received for the vehicle was {$33000.00}. 
Plus {$21000.00} I paid into the lease Not to mention the {$19000.00} in fraudulent deficiency balances. 
The attempted recovery of this vehicle is over {$74000.00}. 
MORE THAN THE ACTUAL COST OF THE VEHICLE {$51000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXXXXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX 's collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than XXXX dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over XXXX dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. XXXX solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( Transunion and XXXX  ). The data across the other credit bureau are not consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. XXXX completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights. You can not just update an original charge off amount without proper validation. Even if the updated charge off was accurate the balance would be wrong as I made more than XXXX dollars in paymen in the last 60 days as reported by your agencies and the balance should be lowered and settled.

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 2015-10-01
Company: Client Services, Inc.
State: SD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Client Services Inc. Calls every 3-4 days without permission. This violates the public law 104-208,110 Stat. 3009 Subsection 805 [ 15 USC 1692c ] ( a ) which states : Without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09
Company: Pinnacle Credit Services, LLC
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I contacted Pinnacle Credit Services many times regarding the XXXX accounts but they still report balance although they said they closed it .I sent them id theft report and other paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: WELLS FARGO & COMPANY
State: CT
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:
I made a purchase on my Wells Fargo credit card on on XX/XX/2022 for {$3200.00} to a merchant called XXXX XXXX design. I ordered tee shirts to be designed. They were supposed to be ready for pick up in 2 weeks, by XX/XX/2022. The merchant kept giving me the run around and by XX/XX/2022 the shirts were still not ready. I initiated a dispute with Wells Fargo on that date. I submitted my statement, correspondences with the merchant and pictures of the closed business. I was told that the merchant would be given 15 days to respond. The merchant did not respond. After the 15 days, I reached out to Wells Fargo again and was told that the merchant would be given another 30 days to respond. The merchant did not respond. I have made repeated calls to Wells Fargo bank to follow up on my dispute. It had now been 2 months, over 60 days since I have disputed the charge. I called today, XX/XX/2022 and spoke with a supervisor, XXXX. She said that Wells Fargo has been backed up and my formal claim had not ever been submitted. She said that would be done today and I my claim would start today. I am expected to wait another 30 days. That would mean this dispute would have taken 90 days to be resolved. That is unreasonable and unacceptable. I am requesting a permanent credit of the dispute charge to my credit card account.

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 2022-12-27
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-11-12
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called to speak to an agent to fix the problem, I also sent certified letters and their customer service would not help and take care of the negative inquiries reporting to your credit report. 

XXXX XX/XX/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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card
Issue: Other

Complaint:
I recently filed a complaint about American Express failing to accurately report my credit history. They state the account was transferred to XXXX ; therefore, I need to contact them about the problem. XXXX has clearly stated that American Express is responsible for accurately reporting the credit history while I was a member with them. This issue predates XXXX purchasing the account. So clearly American Express needs to resolve this issue. Please refer to the original complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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