BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: IL
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:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have six negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act capital one has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX / Navient never calls to notify primary account holder of past due or issues with payments and calls my parents 10-20 times a day to get them to pay. I have deferment ongoing and if it falls off or renewal forms are lost/not received they will aggressively attempt to get payments from parents and I never know there is an issue with my deferment or forbearance until I hear that my parents have exhausted their bank accounts to get them to stop harassing them. 

I have attempted to resolve this with the BBB and they continued their practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt has to do with my daughter 's birth on XX/XX/XXXX. My former midwives ( In XXXX XXXX - XXXX XXXX, XXXX, WA ) planned to charge a second attendant fee but given that they transferred my care, they never had a second attendant. They then tried to change it into a transfer of care fee. They refuse to go through insurance XXXX XXXX ), although the only reason I worked with them to begin with was because they were in network. They passed on my debt to a debt collector ( Renton Collections ) who has not contacted me until I realized they've been reporting a debt against me since XX/XX/XXXX. I contested their claim via transunion as an invalid debt. Renton Collections provided a statement for {$200.00} giving no description of services. This needs to be billed through insurance and simply sending me a piece of paper showing {$200.00} ( with no description ) is not a verification of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
So TU/XXXX both reported that they verified a bankruptcy on my credit report using XXXX. I am trying to figure out how they both verified this information as accurate when XXXX has removed such information from their report for inaccurate reporting. I ask that both credit bureaus provide a proper method of verification or remove the information from my credit report immediately.

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 2019-06-21
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I sent Convergent a Debt Validation letter requesting that they send me a contract with my signature on it as proof that the debt is mines. I also requested that they send me validation of the money that they are saying I owe, explain and show me how the balance was calculated, provide me with copies that show I agreed to do business with them, a verification or copy of any judgment applicable, identify the original creditor, show me that they are license to collect in my state and provide me with license numbers and Registered Agent or Agent of Services. The only thing that I received in response was a letter stating that the investigation was complete and the debt was valid. They attached a bill that only showed the amount due but they did not attach a signed document stating that this debt belonged to me. I have no knowledge of ever having a XXXX XXXX account and therefore this debt does not belong to me. On XX/XX/2019 I sent a 2nd Debt Validation request to Convergent Outsourcing, Inc askign for the same documents that I asked for before. They sent me a letter dated for XX/XX/2019 stating that they are not currently handling the account anymore and that they will submit a request to the credit reporting agencies to delete the collection. As of XX/XX/2019 the collection is still listed on all 3 of the credit reporting agencies stating that I still owe this debt.

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 2017-11-10
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Hello CFPB, My name is XXXX XXXX. On XXXX XXXX I went to XXXX -- all products -- credit cards -- See if youre pre-approved before you apply. 

Please see the link for pre-approval Discover card. 

XXXX : XXXX? XXXX I was approved XXXX times with the following text : Congrats XXXX XXXX, you XXXX XXXX for these cards : XXXX XXXX Card and XXXX XXXX XXXX. I decided to go for XXXX XXXX which was 14 month XXXX apr. After I was done with my application I received the following text : " Call pre-approve now.You are almost done. Thank you for your application. We just need a few more minutes of your time. We can help you complete your application quickly. XXXX support is available ''. 
I called and they were super nice. I thought it was the proper way for verification not to go through a new applications. A representative today told me the pre-approval system was down on Thursday-weekend and told me to reapply using the pre-approval again and for the next XXXX times was the same text. A they keep telling me XXXX hours stating that Th Pre-Approval system has been down and they dont even see my completed application last rep I spoke with told me he will forward it to the supervisor and to wait XXXX more hours. after many days and several hard inquires i found that I was denied because a change in my credit report. Nothing changed in my repot, all my credit cards are reported that paid to " XXXX ''. 

I am asking CFPB that the inquires to be removed from my credit report given that it was done under the false pretense that I was " pre-approved ''. I would not, under any circumstances, have applied for this card had it not used text that led me to believe I was already approved. My request is that XXXX to remove any hard inquires that did on my credit reports between XXXX XXXX XXXX XXXX. 

I will NOT accept the hard inquiry being on my report when they gave me false hope that I would not be denied. 
Respectfully, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: Carvana Group, LLC
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I contacted Carvana about possibly purchasing a XXXX XXXX through them. A consumer representative reached out from ( XXXX ) XXXX It was a legitimate call. I mentioned offhand that I would check through my financial provider XXXX XXXX  to see if I could get third party financing. The representative sent me an email at my request that included a list of financial institutions that I can not finance through. 

I began receiving phone calls the next day regarding fraud to my XXXX Account. XXXX does not reach out over phone to report fraud. 

I messaged Carvana and asked them to delete my account because in all likelihood, the representative reached out through an unencrypted phone line. I was told that they only have to fulfill the request if I am a California resident. What are my options for resolving this issue? All I want is for Carvana to delete my account. 

I take information security very seriously and do not want others impacted by my issue. I have never received fraud messages before this incident. I explained the steps I would be taking to Carvana. For some reason I can not retrieve the chat history of my complaint to them any longer. 

I filled my account with dummy information at this point but left my email XXXX as a point of contact so they could resolve my issue if they find a way. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Square Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I have been using cash app as for personal transactions. Cash App had been charging me a fee for receiving funds under the pretense that I was set up as a business account. I did not realize this shouldnt be happening until a friend asked why are they charging me a fee to receive money and this should not be happening. Immediately I reached out to cash app and explained to them the issue. They stated that I had been setup as a business account and they would change it immediately. I explained to them that I did not set the account up as a business account as I never was given the option to choose between personal or business during my account setup. I requested a refund for all the fees associated with their error of setting me up as a business. They only gave me {$6.00} for days of fees. I requested for all of the fees charged in error since inception of my account and now they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
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: Old information reappears or never goes away

Complaint:
This account has been on my report since 2008. Remove the tradeline. Im tired of this being on my report for know reason law says 7 yrs. And it has been 7 yrs. XXXX XXXX is the worse vehicle loan company. No where in my contract did it say that if you sell the vehicle at YOUR WILL am i responsible for the balance. I will continue fighting this until resolved.

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 2021-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2020-06-07
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have sent six payments that PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX claim they do not have which is not true. I have contacted XXXX and XXXX XXXX   XXXX XXXX and they sent a letter and receipt mortgage company has payemts but they are not getting credit to my account. I can not get any help from them and I need help to credit account and suspense balance to bring me a month a head this is so unfair please help thank you. 
XX/XX/XXXX express payment XXXX XXXX ref XXXX XXXX The next five were made through XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX ref XXXX XX/XX/XXXX XXXX ref XXXX XX/XX/XXXX XXXX ref XXXX XX/XX/XXXX XXXX ref XXXX XX/XX/XXXX XXXX ref XXXX total amount XXXX for all six payments no applied and there is almost XXXX in my suspense balance they are not posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My loan for the DEPT OF EDUCATION/NELN account with the account number XXXX is reporting inaccurately. The accounts stated below is transferred and closed yet they duplicated the accounts and displayed them as a negative remark on my Credit Report. I was never late in paying these accounts. Since the accounts mentioned below is already closed. I have sent dispute letters to both the Credit Bureaus and the furnisher to remove or correct the items that have been duplicated. But up until now, I did not see any changes. Under FCRA, inaccurate items should be removed and illegal practices should not be tolerated. I have attached all the necessary items to support my speculations. Also, I've put the dates of the account when they were opened. Please address this issue immediately. Thank you DEPTEDNELNET XXXX Balance {$0.00} XX/XX/XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX. XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX. XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XX/XX/XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XX/XX/XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX XXXX, XXXX DEPTEDNELNET XXXX Balance {$0.00} XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX is knowingly accepting a fraudulent loan. I spoke with this company by phone within a couple weeks of my purchase ( a CPO XXXX XXXX XXXX ) concerning the amount put down on my loan application as they were the only financial institution that accepted the loan. I got suspicious of the this dealerships doings ( XXXX XXXX XXXX XXXX ) after returning to my prior dealership ( for my trade in ) and my salesman there said my debt to income ratio should not have let me be able to get the jeep as I barely qualified for the car I traded in @ XXXX. So after I got home I called the financier XXXX XXXX, and although at that time they would not send me a copy of the loan app the gentleman I spoke too ; after telling him my income the past 2 years, stated my loan application stated almost triple what I told him, and that after finding this out would review and unwind the contract. I sent them 3 pay stubs by fax which only clarified what I told them. At that time the person I was talking too at that point ( XXXX ) said they would start the unwind. Then, all of a sudden, they stopped it. I offered to send them documented XXXX 's from the IRS from XXXX and XXXX, they refused. They even went to the point of making it so I can no longer contact their office with complaints. I started this all prior to making my first payment. I will send proof of my income and will send proof of 2 other loan applications sent out that day w/o signatures. Meaning that the dealership committed the fraud prior to any signatures, and that when I did sign it, it was at the time at the end of the purchase with ALL the other paperwork shuffled through, without noticed that they bloated my income, lied about the mileage and put down the wrong employer. Even after proof of all of this XXXX XXXX now refuses to unwind a proven fraudulent loan. They stated in a rebuttal to BBB that income was not a factor in approving the loan. Since when is n't income a factor. If it was n't a factor why did I have to fax their rep 3 copies of my pay stubs after finding out about my bloated income. Any ways whether they state that or not, a fraudulent application was still submitted to 7 lenders, this should have voided any contract as soon as found out and proven. My last salesman made a good point debt/income ratio not only protects the buyer but the seller for over extending credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX XXXX, I called Wells Fargo and asked about six ( 6 ) CD that my mother had put into the bank they purchased XXXX XXXX XXXX XXXX They told me that they had send all unclaimed funds to the State of AZ. I called the state and they said they had no recorded of receiving the CD and to call the lost funds or unclaimed documents of Wells Fargo. 
On XXXX XXXX XXXX I sent an email with the POA and copies of the CD as well as a COD of my mothers mother asking them to find the funds and release them or to give me the amount, date, they sent the funds to the state of AZ. Then I followed up with another call and spoke with yet another person who stated they did not have any recorded of my sending an email so I resent the email on XXXX XXXX and not only did I receive a email response but I got a call that they had received my email and had forwarded it to research /legal. was to give them five business days to find the information. XXXX XXXX XXXX, XXXX, I called as another attempt to follow up and they said they had no record of the first two emails and could I send it again. I will attach all documents I send so they will be attached to this complaint. Again they are giving me the run around and I believe they are trying to keep my mother funds.

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 2019-08-05
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This account has been on my report since 2008. Remove the tradeline. Im tired of this being on my report for know reason law says 7 yrs. And it has been 7 yrs. XXXX XXXX is the worse vehicle loan company. No where in my contract did it say that if you sell the vehicle at YOUR WILL am i responsible for the balance. I will continue fighting this until resolved.

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 2017-11-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have paid accounts and I have differed loans that were settled. I also have medical bills that were paid that are still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: EQUIFAX, INC.
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:
Due to a past identity theft my credit has been compromised and left me with scars. I have demanded physical documentation, however the major credit reporting agencies has relied on electronic Verification inwhich can not be deemed as proof. The following accounts does not belong to me and I'm demanding that they be removed. 

1 ) XXXX  XXXX XXXX {$990.00} 2 ) XXXX XXXX XXXX XXXX {$310.00} 3 ) XXXX XXXX XXXX {$560.00} 4 ) XXXX XXXX {$230.00} 5 ) XXXX XXXX {$100.00} 6 ) XXXX  XXXX XXXX {$51.00} 7 ) XXXX XXXX  {$4700.00} 8 ) XXXX XXXX {$57.00} 9 ) XXXX XXXX XXXX   {$550.00} 10 ) XXXX XXXX XXXX {$300.00} 11 ) XXXX XXXX XXXX {$5200.00} 12 ) XXXX XXXX XXXX {$5000.00}

Company response to consumer: Closed with explanation