BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-06
Company: Experian Information Solutions Inc.
State: CA
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 AM MAKING A RECORD ... .experian attorney and cfpb prosecutor will understand this legal jargon. 
10 minutes prior, XXXX of experian special services, XXXX texas at XXXX refused to reinvestigate XXXX XXXX acct   XXXX as closed.a dispute just finished where the creditor who speaks hindi told experian the account was open ... creditone does not have the authority to reopen a closed account without my approval and therfor the account is closed.i want XXXX   company experian to write a check for {$1000.00} statutory damages and mail it to me because XXXX believes his XXXX XXXX based customer XXXX  XXXX and not me and i am damaged by XXXX bias towards his customer. 
my credit is impacted by XXXX refusal to reinvestigate and without documentation from XXXX customer XXXX XXXXXXXX wont investigate.XXXX customer removed all account information from the internet upon closure which is why i want XXXX dollars from the creditor as well and will sue both at the same time. 
CFPB IS WELCOME TO FINE AND PROSECUTE EXPERIAN IN THEIR JURISDICTION.

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 2018-05-17
Company: EQUIFAX, 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 status incorrect

Complaint:
Please remove the XXXX XXXX XXXX charge off from my Equifax credit report immediately since this was never my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: LDF Holdings, LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan and they charged an interest rate of 727.65 % interest. I didn't realize until later that Iowa law only permits lenders to charge 433 % for a 14 day {$100.00} loan. Is it legal for them to charge me such a high interest rate? I don't know if I can pay it back, I was desperate at the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts and security to my credit report without my requesting it. This is a violation of FCRA regulations. I am providing my id info to verify my identity and as proof that I never requested these alerts ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: LDF Holdings, LLC
State: SD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a short term loan on XX/XX/XXXX through an online website for XXXX XXXX. I did not receive any details about the loan but the money was credited for {$600.00}. I am still not able to view the online loan agreement and have requested but never received any copy. 

I requested that XXXX revoke my ACH agreement and that my payment of {$150.00} be applied and a balance owing be provided so I may payoff any balance minus that payment. When I click on my loan agreement online I am redirected to another lender - XXXX XXXX XXXXXXXX but nothing appears except an error message. I get the feeling they are misrepresenting who they are. Neither XXXX XXXX or XXXX  appear to be licensed in South Dakota. 

The online account screen shows I still owe 13 more payments of {$150.00}. That would make a total repayment {$2100.00}. That is nowhere close to the cap of 36 % I expected. 

I can not get them to revoke the ACH or provide me with a payoff except for the full amount. I sent a revoke letter again on XX/XX/2018 along with a request to payoff and was told I had to pay the full amount to payoff and they were not able to revoke the payments through ACH. 

Please help me address my concerns about this lender and reach a resolution that is legal and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Farrell Holdings, LLC
State: ID
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Over the past few years we have been contacted by the collection agency XXXX XXXX XXXX about our car that was given back in XX/XX/XXXX and they always send us a paper stating that we are not being cooperative and that they will report and damage our credit which it was already reported. The tone of the letters are always threatening and when they call the use the same threatening tone. We have asked numerous times about getting a validation on exactly we owe but we never get it. They even said on the phone that there was 2 amounts listed, we were never given notice of sale after we voluntarily gave the care back or when and how much it was sold for. On our credit they listed as a involuntarily repossession. We sent a certified letter asking once again for the validation on XX/XX/XXXX and it came back yesterday the XX/XX/XXXX unclaimed. We have tried numerous times to get this resolved and they have yet to cooperate with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Experian Information Solutions Inc.
State: NV
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:
A ex girlfriend and I went into a dealership and put a down payment on a vehicle and both cosigned with the acknowledgement of there was no credit check nor inquiry. 4 months later the put a account on both of our credit reports without consent and state that's just how they operate now and there's nothing we can do about it. I never authorized a credit inquiry nor gave them permission to place and account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2018 called Wells Fargo Loan Modification XXXX and they refused to do a loan modification even though I just had buried my mother and was getting to a point to save my home. They said I called in too late about 33 days before the sale and they needed 37 days. They would not postpone the sale or do anything about me working out something with them.

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 2018-11-27
Company: NAVY FEDERAL CREDIT UNION
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:
A personal loan, and credit card, and a XXXXXXXX XXXX account were fraudulently opened on my behalf with in XXXX XXXX, Co. I have never resided or was stationed in XXXX  XXXX, CO at the addresses list in the accounts. I have been trying to get these accounts closed since XX/XX/XXXX. When I was made aware that my personal identifiable information was included in a data breach with the US Office of Personnel Management. 

The following accounts were open : Navy Federal Credit Union Personal Loan : - $ XXXX- currently charged off. 
Credit Card : - $ XXXX- currently charged off. 

XXXX XXXX ( XXXX XXXX XXXX ) : - {$120.00} - currently collections I have requested information regarding these accounts from XXXX, and to no avail. 

Navy Federal has sent me a fraud account letter which I have completed and returned back to Navy Federal XX/XX/XXXX. 

I have disputed these accounts 3 times with all three credit Bureaus, they have temporarily removed the accounts, and 30-60 day they would return.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Navient Solutions, LLC.
State: IL
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:
XX/XX/19, XX/XX/19, and XX/XX/19 - Payments in the amount of {$500.00} each made. Interest accrued for the month is approximately {$460.00}. Difference of approximately {$43.00} each month not being applied to the principle. 

XX/XX/19 - Additional {$100.00} payment made prior to next payment. Went towards interest. Should have been {$100.00} in the next payment that then went towards the principle and did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, I owed a little more XXXX $ to XXXX but PRA says I owe XXXX . I don't think so! In XXXX, I owed a little more XXXX . I tried to work with XXXX XXXX XXXX directly to prevent collection. Unfortunately, I worked for more than 2 years under contracts which was not even providing for my basic needs. I requested a Debt Validation letter from XXXX XXXX XXXX and the billing statements for XXXX to XXXX. Portfolio Recovery Associates says I owe XXXX . I don't recall owing this amount to XXXX XXXX XXXX and would like to see the validation of the amount owed. Plus, remove my account from Portfolio Recovery Associates. I tried to go online to get my billing statements from XXXX XXXX, but my account is closed, I can't access them. 

I contacted XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX via their email at XXXX to have a Debt Validation letter, they refused. 

I contacted XXXX XXXX, XXXX  Office of the Customer : XXXX XXXX | XXXX XXXX at XXXX from XX/XX/XXXX to XX/XX/XXXX to get copies of my billing statements showing the amount I owed, they refused. 

Finally, I receive a letter that stipulates that the billings statements I needed to contact XXXX XXXX, that XXXX refused to purchase the debt nor giving me the billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
All of these accounts are showing late and it's in no fault of my own. Please reverse these late charges on all of these accounts. I have great credit. Also due to CARES ACT, in no way should any of my accounts show any negative remarks. Please reverse them as none of these creditors care. 

100 Claims account deferred, 105 Disputes Dates of Last Payment/Opened/ of First Delinquency/Billing. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and ive been trying to have these fraudulent accounts removed for quite sometime now. On XX/XX/2018 I sent in my dispute letter and supporting documentation for 3 fradulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are not mine and are having a negative effect on my credit file and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: CORELOGIC INC
State: AL
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 did not authorize these inquiries

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 2019-09-06
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX a letter was sent to Synchrony Bank/ Sams Club in regards to an inquiry from their company dated XX/XX/XXXX. In that letter, I asked them that they contact ALL reporting agencies that they had reported this inquiry to as I did not apply for or currently have ANY open business with this company. 

I also asked them to provide me with copies of the documentation that says I gave their organization the authorization to view my credit history. 

This request was DECLINED and I received a template letter response from this company dated XX/XX/XXXX stating " the application for credit processed on XX/XX/XXXX matched the credit bureau file accessed ''. 

I did not apply, nor did I give my authorization for this company to access my credit report or to place this erroneous inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was involved in a boating accident on XX/XX/2018. The boat sank and I very nearly drowned. The severity of the acciddently should have killed me instantly, but I miraculously survived despite incurring severe mental and physical trauma. Since then I have been in hospitals undergoing procedures and treatments ranging from physical injuries to XXXX XXXX XXXX XXXX. During this time I was physically and mentally unable to tend to my finances, so all deposits went to my XXXX checking account and all withdrawals came out of my bank of America checking account which overdrew the bofa account many times over accruing nearly {$400.00} in overdraft fees. 

I spoke to three levels of supervisors for nearly 2 hours explaining my situation, transferred enough funds to bofa to cover the overdraft, but the bank will only waive {$140.00} fees, and they have held my deposit as pending for several days causing even more overdraft fees to occur. These people are in human, I nearly died ... .and they are penalizing me for it. Please help, my medical expenses are continuing and I can not pay these penalties.

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 monetary relief
Consumer complaint received 2018-06-15
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I originally had service with XXXX XXXX  for my business. When the alarm broke in XX/XX/XXXX, they sent a sales guy out who signed me up for XXXX XXXX. Apparently the two companies were merging. XXXX continued charging for services they were no longer providing from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX began billing for services in XX/XX/XXXX. 

Since XXXX was already set-up from before, it continued to auto-pay against my credit card. I immediately called both XXXX and XXXX  XXXX on XX/XX/XXXX to point out the overlap and request a credit from XXXX - which I would then use to pay XXXX XXXX. The credit that XXXX agreed to was {$270.00}. 

I have been waiting since XX/XX/XXXX for this alleged check that they have issued to arrive. Since then I have called XXXX  and XXXX XXXX again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to update them of the situation. 

The entire time that I have been doing that, XXXX XXXX has reassured me that they were fine with the delay in payment and understood the situation. 

I have been receiving repeated calls since XX/XX/XXXX from a collection agency named Virtuoso Sourcing Group, XXXX. I finally found out that they were actually calling on behalf of XXXX XXXX. I explained to the gentleman on XX/XX/XXXX after they called twice in a row what the situation was and to stop calling me. He agreed. I have since gotten two more calls from them, this time from an agent named XXXX. When I explained the situation to her and that I was upset they were not stopping, she asked for written evidence of the situation. I agreed to email it to her but she refused to give me her email address and ended up hanging up on me. When I called the number back to talk to a supervisor and sort this out, the recording said that I was calling during business hours. It is unfair and shady that they can call me but I can't call them back after they hang up on me, or that I was unable to send written evidence of the situation when she refused to provide her contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX on XX/XX/2015 or there about. I canceled service shortly after receiving services due to slow internet. I paid this charge after cancelling and still remains on my credit score. After paying I received no contact from 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 2018-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
As I have been using my banking checking & savings account. I receive a letter from my Bank of America dated XX/XX/18 that they closed my account.Case # XXXX. They told me that they do not need to give me the reason why when I called them and talked to a customer service personnel. So I had to wait for more than 10 days and on XX/XX/XXXX I am still waiting for my money that was left in my account including my XXXX check. They sent me a letter stating it was a business decision is why they closed my account. I feel violated that they just arbitrarily closed my accounts.Now I had to start all over with a new bank & new bank account and had to change and contact XXXX XXXX to change my new account for direct deposit.Its a sad case of affairs the elderly are affected like this. I hope something is done about this.

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 2018-07-11
Company: SYNCHRONY FINANCIAL
State: AZ
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 purchased 4 items from a retailer online using my PayPal credit account and they sent me 4 completely different items than I ordered. I reached out to the company and they never responded. I contacted PayPal to dispute the transaction. They claimed to investigate and informed that they would be supporting the company who defrauded me. As a credit account, it's disappointing that they do not protect consumers. I have requested that they close my account but still believe they should reimburse me for the {$120.00} that was stolen from me by the fraudulent 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 2018-11-27
Company: Diversified Adjustment Service, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've asked them to please stop calling my work. They know it's my work and they keep calling. I've told them I will get a lawyer involved they obviously didn't care because they keep calling me here at work. They've called at least 4 times or more at least once a day. The last phone call which was this morning @ XXXX XXXX on XX/XX/XXXX18 I told them I'm going to call the local authorities and the lady told me that's fine. I have them on a recorded line each time they have called and have notified my employer of this as I feel they are harassing me. This needs to stop. The other times they have called me are : XX/XX/18 @ XXXX XXXX XX/XX/18 @ XXXX XXXX  XX/XX/18 @ XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation