BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: CA
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:
Experian, XXXX and XXXX sites do not allow you to dispute credit inquiries that show up on your account, despite the fact that the inquiries negatively impact your overall credit score and may be fraudulent. I believe there should be an easy dispute process for credit inquiries that are fraudulent. I called around for hours trying to click the correct decision tree to get help for my issue. The sites are hard to navigate and the phone numbers make it impossible to get a live agent for the issue I was worried about - how to dispute the inquiries. 

In my case, Experian reports that on XX/XX/XXXX XXXX/XXXX  and then on XX/XX/XXXX XXXX/XXXX/XXXX made credit inquiries on my account ( presumably to open credit lines ). I went to the sites to dispute the inquires and the sites told me to contact the financial institutions where the inquiries originated. I contacted the companies and they required that I disclose a lot of personal identifying information, in order for them to verify that someone had opened credit lines in my name ( using my maiden name ). It appears that two credit applications where fraudulently filed using my information. I do not know how much the cards were for or if anything was charged before I intervened

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 2018-09-04
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: Account information incorrect

Complaint:
I attempted to contact XXXX XXXX XXXX & XXXX XXXX multiple times since XX/XX/2018 and even sent a written correspondence requesting that they remove an inquiry that was reported on my Credit Report that I did not authorize. 

They informed me that they have no information on file for me. They told me they would have the inquiry removed and never removed it. 

I tried to reach out the all three credit bureaus ( Transunion, XXXX & XXXX ) and was told they will not remove any false or inaccurate inquiries and I would have to contact the " furnisher '' myself.

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 2018-09-04
Company: EQUIFAX, INC.
State: GA
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/18 i sent a dispute to equifax in regards to a incorrect reporting on my credit report. this debit is not mine. so how can they have validated this debit. i still have not received a response from the creditor or any supporting documents from equifax in regards to this debit beside a credit report updated that list the debit as accurate. its is a false reporting and equifax has not fixed it. i was giving no knowledge of this debit before it was placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: Park Hill Holdings
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
FACT : Im submitting this complaint myself and there is no third party involved. 

CORELOGIC D/B/A SAFERENT has continuously placed a false public record on my consumer file that has had a detrimental impact on my livelihood. They are reporting an eviction on my credit when there is no public record to be found. I have had my consumer report ran through several consumer reporting agencies and they all confirm that there is no judgement or public record attached to XXXX XXXX ( see attached consumer report from another consumer reporting agency ). I have contacted the court house where this alleged eviction was filed and they said they have no record NOR do they sale this information to third party consumer reporting corporations. Because of this false negative allegation I have been forced to move into a horrible part of my city and pay three times the rent. I have contacted SAFERENT multiple times and all they keep saying is they'll start a dispute process. 

As a consumer I did not give CORELOGIC written permission to house ANY information on my person, public or private. They are in clear violation of 15 U.S.C. 1681 ( a ), 15 U.S. Code 1679b : ( a ) In general No person may ( 1 ) make any statement, or counsel or advise any consumer to make any statement, which is untrue or misleading ( or which, upon the exercise of reasonable care, should be known by the credit repair organization, officer, employee, agent, or other person to be untrue or misleading ) with respect to any consumers credit worthiness, credit standing, or credit capacity to and the Illinois States Attorney General has been contacted as well as the XXXX XXXX XXXX. I, the consumer, have a right to correct information on my consumer report and am demanding that this false alleged information is permanently deleted from my consumer report and any public or private database.

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 2018-09-04
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
For years I have not been able to make enough money to live and pay on my loans. I graduated with approximately $ XXXX debt. Over the years what started with an occasional re-deferment went from once per year to 6 months and then to every 3 mo. 's. The charges have accumulated with the debt to over $ XXXX total now. 

There is no program to help get rid of all the charges that Navient and XXXX before gave me. Numerous times through the years I would ask about consolidation of the several loans and was ignored when I asked them to send a paper consolidation application. 

This debt is not the debt that I when to school with. What can be done about this additional amount now?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive mailed Progressive Management Systems for them to validate this alleged debt. They have sent me a letter that looks like it was generaded using XXXX XXXX. Nothing on this letter validated that it is indeed myself and that I owed them any money. Anyone could of easly generated this letter, obtained my name and say that I owe them money. It contains no contract agreement, no signatures or anything saying that I owe this XXXX   company money. This does not seem like a valid form of Validation. Ive also tired to contact them to just settle this amount even though they didnt properly validate so I can move on from this but XXXX failed to respond.

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 2018-09-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a Checkings account with Chase bank. Recently, I made a payment using my debit card at a credit union ( to pay off my car loan ). The total payment was {$5300.00} and since my debit card limit for a day is only {$3000.00}, I paid it in two payments. {$2700.00} on XX/XX/XXXX and the remaining {$2600.00} on XX/XX/XXXX. I just found out that I was charged a total of " Non-ATM cash fee '' of {$160.00}. {$81.00} for the {$2700.00} transaction and the remaining {$79.00} for the {$2600.00} transaction. 

This {$160.00} fee for just using my debit card ( not even a credit ) to make a payment is very high. When I called the chase bank customer service, they were not able to explain clearly why I was charged this 3 % fee. The representative and her supervisor that I spoke with both said this is a " cash advance fee '' that I was charged for doing a transaction with a teller at a Non-Chase bank and told me to refer to my accounts fees, rules and regulation. Mentioning it is my duty to find out why I was charged and not theirs to explain. 

The chase guide to checking account found on this link, https : //www.chase.comXXXX   does not mention anything about a " cash advance fee ''. Moreover, the description provided for Non-ATM Cash fee is " You use your Chase Debit Card to withdraw cash from a teller at a bank that is not Chase ''. But I did not withdraw cash, I was only making a payment.

I have attached both the simple guide for checkings account ( 3 pages ) and the Additional Banking Services and Fees for Personal Accounts Deposit Account Agreement pdf ( 13 pages ) available at this link https : //apply.chase.comXXXXXXXX XXXX. In both the documents, there is no " cash advance '' and the non-atm cash fee is only for a withdrawal of cash.

As an additional note, when I tried to my pay off my loan ( {$5300.00} ) it was declined since my limit was only {$3000.00} for a day. So, I called the bank and tried to get them to increase my limit or make an exception for this one transaction. After speaking for almost 30 mins they were still not able to do it. So that's why I ended up making two transactions. However, not once during this call any customer service representative inform/warn me about the charge I will incur if I proceed with the payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
I leased a vehicle back on XX/XX/2019. Since XXXX I was asking the financial institution what I need to do in order to take the car with me to XXXX XXXX. Due that I was here under the XXXX license and that I had to report back to work on XX/XX/2019. I spoke in three different occasions with three different customer service representative from XXXX XXXX and in all of the three conversations they told me that I will have to change my lease into a conventional financing in order for them to give me a permission letter to take the vehicle with me. Also, they told me that I need to submit the documents stating that I had to report to my work by XX/XX/2019. I did exactly what they told me to do and switch my lease into a conventional financing. When I submit the documents they told me that I can not take the vehicle with me to XXXX XXXX. It should be evidence in their system and recorder conversations when I called and the instructions that they told me to follow. Now the options are slim and if I return the vehicle it will affect my credit and if I sell it back to the company I will have to pay them few thousands dollars due to the depreciation of the vehicle. That I do not have it right now. This situation has cause damage to my health and collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
AD Astra Recovery services purchased this debt when in fact the account had already been closed and the contract was cancelled. They are trying to illegally re-open the debt that is over 7 years old. It needs to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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/2018 a fraud charge for XXXX was placed on my credit card. 
I never went into the store nor authorized the charge on my behalf. 
I never use the card other than emergencies, so I didn't notice the charge. 
My identity was stolen which included Identification my purse my credit cards and my laptop with saved log in information. 
I notified the company regarding this transaction when I noticed a bunch of random charges and accounts on my credit report XX/XX/18 My credit up until this point was Steller and never filed any sort of dispute.

Bank of America denied the claim do to them filing it wrong as a duplicate card rather than Identity theft.

I called and was notified as to a fraud specialist filling out the complaint wrong. 
It was reopened and denied due to someone logging in to my online account. 

They said I should of noticed which it wasn't me due to the fact it was a credit card used for emergencies.

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 2018-09-04
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The below listed company has placed a collection on my credit bureau reports in the amount of XXXX owed supposedly to " XXXX XXXX ''. I do not owe any such debt and I am asking that this company be fined for putting false information on my credit report. 

1. I have lived in Arizona for 6 years and there is no XXXX XXXX company here.

2. I have been the victim of identity theft several times from 2009 to present. I was an XXXX XXXX service member and my social and information was stolen and also hacked into several times. 
3. I'm enclosing the latest police report to show that I continue to be a victim of identity theft.

4. I want this removed from all credit bureaus immediately! 


DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: MS
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 turned in all documents showing that I was the victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began to refinance our mortgage with Wells Fargo Home Mortgage company in the latter part of XX/XX/XXXX. I sent them some information they requested to their fax number. A couple of days later they requested more financial information and I faxed that sensitive information to them at the same fax. They lost it ; one of their reps laughing about it. After a week or so of this lack of professionalism and lack of regard for my personal financial information being lost by them, I told the financing rep ( XXXX XXXX ) and his boss that I was cancelling the application with Wells Fargo - I did not trust them. They said they would refund my initial application fee ( {$520.00} ). They had received my initial payment on the XX/XX/XXXX. As of this morning they had not provide a credit to my credit card. I called XXXX XXXX in Customer Care who could not have been more unhelpful. She would not let me talk to her supervisor, telling me the supervisor was in a meeting and would be in meetings until Thursday. I asked to speak with someone else who could expedite the repayment of the fee and was told there was no one else to talk with and that they might get the fee repaid to be in 45 to 60 days. 
So, they lost sensitive financial information I sent to them and have had my money for several weeks. I consider this a form of fraud. 
I would appreciate your assistance with this mess. 
Thanks, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, KS XXXX tel # 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 2018-03-14
Company: ENCORE CAPITAL GROUP INC.
State: NV
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:
In XXXX, XXXX XXXX XXXX purchased a bad debt from XXXX./XXXX-XXXX, originally opened in XX/XX/XXXX. At the time, they sent a letter which I can include as evidence, that they had purchased this account. I explained to them and provided them with evidence that this had been paid in full per a settlement agreement from XXXX, which allowed them to deduct {$65.00} per month from my banking account. They deducted this and never credited my account with one payment. In fact, they collected well over the {$270.00} amount they had offered to settle for if I made payments. They actually collected {$450.00} before I realized they were still collecting. They never credited my account or paid it back. But the debt was paid in full at that point. 

When XXXX XXXX XXXX purchased the debt, I sent them copies of the bank drafts proving they had deducted the funds. I sent them a copy of the settlement letter and even the man 's name who created the agreement over the phone. They acted as if I'd never contacted them and they have ignored me the same way ever since. 

I have disputed this charge, the date of inception and continually, neither the credit reporting agencies or XXXX XXXX XXXX do a thing. I'm fed up with this. 

I have a previous lawsuit with this disreputable company where I won as part of a larger suit for their fraudulent practices. At this point, I'm disgusted with the way they are treating me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I would like to let the XXXX app have access to my account by using my supplied credentials. It had acess but was blocked since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$73.00} XXXX XXXX XXXX {$180.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Shellpoint Partners, LLC
State: MD
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:
Ditech Financial LLC is showing a closed account ( charged off in XX/XX/XXXX XXXX on my credit report. I have contact the company on XX/XX/XXXX and they confirmed to me they do not have record of my SSN or name. They told me I do not have an account with them but they could not assist me. I would have to contact the credit bureaus. I have since contacted the Credit Bureaus and it has been taken off my report from all but XXXX This is not my credit information. I was told by a rep at Ditech that they are a sister company of Shellpoint mortgage.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello, I submitted a request for a lower monthly payment to my loan with myfedloan. I stated that since my divorce I am newly married with XXXX new kids and have new financial responsibilities along with the student loan payment. Since the pandemic I have been struggling to make ends meet. I am in a public service loan forgiveness program that makes no sense!! At the current loan payment program, I will be paying off the loan far sooner than the 120 payments. This program does not help me. I am a XXXX XXXX XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: EQUIFAX, INC.
State: SC
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 tried with Equifax four times to clear up a discrepancy on my credit report. I had a home loan XXXX bank that was past due in XX/XX/XXXX, this loan was service transferred to XXXX in XX/XX/XXXX. The problem is that when creditors pull my credit report the report is showing up XXXX past due as of XX/XX/XXXX. When I first tried to refinance my house this loan was showing XXXX days past due as of XX/XX/XXXX, I filled a dispute and it changed to XX/XX/XXXX, I filled another dispute and it changed to XX/XX/XXXX. I have spoken with Equifax many times on the phone about this and still nothing. The bank I'm trying to refinance with has also tried to get this corrected. 

Please let me know how I can fix this, every time I try to correct this with Equifax my credit rating decreases and the situation gets worse.

Company response to consumer: Closed with explanation