BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX, XXXXXXXX XXXX XXXX XXXXXXXX at XXXX In accordance with fair credit reporting and XXXX  account XXXXXXXX XXXX XXXX XXXXXXXX at XXXX as violated my right. 
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 furnished an account my written instructions. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX In accordance with fair credit reporting and XXXX  account XXXX XXXX XXXX XXXXXXXX at XXXX as violated my right. 
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 furnished an account 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 non-monetary relief
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: FL
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:
I received a copy of my credit report and noticed late payments on accounts that I was never late on and some charge offs. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the FAIR CREDIT REPORTING ACT clearly states. 
I have never been late on payments and did not provide written consent to report the account : XXXX acct. XXXX XXXX XXXX XXXX aact. XXXX XXXX XXXX acct XXXX XXXXXXXX please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. IF PROOF CAN NOT BE PROVIDED I demand these payments to be updated to on time as they should be as I was never late. Pursuant to 15 USC 1681 congressional purpose, talks about equity and fairness.

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 2018-04-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery associates has contacted me stating that they purchased this account ( XXXX ) on XX/XX/2018 from XXXX XXXX. I did not authorize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: VW Credit
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I am filing this complaint because I was charged fees that I didnt agree to. Also, the car sales person who helped me with my car loan lied. I went to the XXXX XXXX Volkswagen dealership in XXXX TX with an approval from my bank. The sales person who assisted me at the time then advised after speaking with the loan officer that I wouldnt be able to use my bank loan, but they were able to finance me. I had a car at the time that I had less than a year left to pay on they then advised me that I would have to turn in my current car in order to be approved. In the end I signed a four-year lease with Volkswagen in 2012. And I traded in my current vehicle for the lease. After leaving the car dealership I had a bad feeling about the deal. I called my bank the next day and asked them was I not approved for the price of the car and was I required to trade in my current car. The bank rep advised that they approved me for the new car with the current car that I had. And they were aware that I was currently paying off a car loan. I then contacted XXXX XXXX Volkswagen and advised them what my bank stated, and I wanted to bring the car back and get my car that I traded in from them. They advised that I couldnt do that once I drove off the lot. A few hours later the manager called me because of my concerns and he then to advised me that they couldnt take the car back. And then I just dropped it and was very unhappy about the whole ordeal but took it as a lesson learned because I didnt have a greater understanding of what could be done to undo thing. Once it was time to turn the car in after the four-year lease I tried to obtain a loan for the car because he was only {$8000.00} more left to pay on the car. Volkswagen finical stated they couldnt approve me for the loan and I had to return the car. Once I returned the car it had normal wear and tear but was in good condition. However, once I received my end of loan bill it was over 10,000 because of damages as well as mileage overages. I contacted them right away because when I review the paper work the loan officer had me sign from that day it didnt include anything regarding mileage overages. Ive called several times to customer care they advised there is nothing they could do, and I owe the money. Im willing to provide as much information as needed but there is no way that I owe fees for things I did not agree to and damages I did not cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
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/2019 resent request to remove XXXX account information that had not been verified/investigated per FRCA. Original creditors ( XXXX XXXX ) admit to not having information regarding account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Dynamic Recovery Solutions, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a voicemail from a Mr. XXXX / XXXX on XX/XX/2019 to call him back, however, he did not leave his name on that call only a number. I did return is his call to a number XXXX ( which I recorded the phone call ), the return call was to see if this was a legitimate call or not. However, Mr. XXXX/ XXXX was only interested in gathering personal information which is a violation of the Gramm-Leach-Bliley Act. I have received no written communications from his so-called " business '' and I do not have any bad debts. I asked Mr. XXXX/ XXXX several times on what this was concerning, however, all intentions were to gain personal information from me. Mr. XXXX/  XXXX using my full name as well as not giving me any details of the nature of the call or so-called " debt ''. Mr. XXXX/ XXXX only seemed in trying to gather personal information from me. As you will hear on the recording he said : " I speak clear English '' in order to gain my trust in giving him personal information. Just because he " speaks clear English '' does not automatically mean he is not violating my rights ( he is using deceptive tactics to try to deceive me ). Luckly I did not fall for it. After I called him out on being a scam he ended the call. I have attached the recording of the call in the next section.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account XXXX XXXX XXXX XXXXXXXX Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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 2015-07-15
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company is auctioning my house XXXX XXXX, 2015. I never received court notice of them trying to do this, I was lead to believe that they were trying to help me save my home. All of the modification paper work that they have sent me, I have faxed and mailed back, each time I finally get them to answer they tell me, I have a page or XXXX missing, so I resend the page they say is missing only to be told a different page is missing. I have even resent the whole packet of paperwork. They are also saying I owe {$30000.00} on a loan that was refinanced through them 14years ago. that was originally XXXX. I recently submitted the modification paperwork again, and have been leaving messages and have not received a call back as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: EQUIFAX, INC.
State: NY
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, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB, As i have mentioned in my complaint CFPB File # XXXX Receivable Management Systems has violated my right as a consumer on many counts. i have attached a copy of the validation letter i sent to Receivable Management Systems for review. Please note that i have yet to receive validation of this debt from them. i have called so many times as they requested in their response to my complaint by to no avail. the alleged account is still on my credit report. Receivables Management Systems has claimed to have send the requested documents to the consumer on XX/XX/20 to the address listed in the previous complaint providing information in regards to the account. They provided me with no validation as i have also attached the document i received from them via mail. The letter is a mere itemized receipt from Receivables demanding that i make payment to them. i am yet to receive at lest a detailed itemized receipt of the original debt, my contract with Receivable or their client and most importantly Receivable 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was struggling in my youth and forced to allow my student loan to go into default status. One day I received a phone call that allowed me to get my loan out of default status with income base repayment options. I was told that all the fee 's would be removed from my account upon completion of the payment agreement.

**First Issue** However, after my loan became in active status, I noticed that I was being charged all the interest which had accrued from the time my loan defaulted to present. I have payed on my interest for several years and it was all going towards back interest from within that period.

**Second Issue** I have made at least three request for an unofficial ammortization schedule for peace of mind. I needed to understand how this institution were able to determine my payment amount when all my payments were being applied towards back interest. This financial institution ( XXXX ) denied every single request to provide me with a letter of ammortization for the loan. 

**Third Issue** After reviewing my account today I noticed that all the interest previously on my account has now been capitalized and applied as principal on the loan.I thought that legally interest had to remain seperate in order to prevent interest accruing over interest. Especially since I have made all my payments as scheduled according to the lenders terms. 

**Conclusion** I believe that XXXX needs to be investigated for attempts on misapplying my student loan repayment and the initial loan documents/terms needs to be evaluated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I did a balance transfer from XXXX XXXX to Discover. On top of that Discover doesn't show me what the charges where from the balance transfer. They even reported  me to XXXX when I have 18 months of 0 % APR financing. I sent a payment on XX/XX/2018 and have not received a confirmation email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is related to Select Portfolio Servicing , Inc. and XXXX XXXX. In XXXX my wife and i took out a HE Loan with XXXX XXXX ( XXXX ). On XX/XX/XXXX and XXXX XXXX, My wife and I signed documents related to a First Lien deed of trust for the home equity loan with XXXX XXXX. I cant explain why this was done twice or for what purpose, but the fact is both were filed in XXXX County, TX. I have paid my loan as agreed, then, around XXXX of XXXX, XXXX sold my loan to SPS, Inc.  There is a transfer of lien filed at the county that reflects this. The transfer references the loan #, but only references one of the instruments or liens that was filed. I paid my loan off in XXXX and received a release of lien from SPS for the lien they assumed from XXXX, the FLDT dated XX/XX/XXXX. I went to apply for a home equity about a month ago and was told there was still a lien filed with the county ; the lien filed on XX/XX/XXXX by XXXX. I am being told by SPS Servicing , Inc. that they can not release the lien dated XX/XX/XXXX as it was never transferred to their name, and they are not the lien holder. I told SPS the lien they assumed was invalid, as there was already a FLDT filed at the county, and one could argue that any payments i made to them were done so without a proper lien. I explained that I felt it would be in their best interest to help resolve this matter. They stated they had done all they could do. I can not contact XXXX XXXX other than by mail, which i have done as of today. In this day, with all the access to technology we have, it is unreasonable for them to not have a means by which a customer can contact them other than by mail. I would appreciate your help resolving of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HI, I had my mortgage with XXXX XXXX XXXX, it was sold to Nation Star.. 
in the past with XXXX XXXX XXXX website i had a lot of options, and information about my mortgage for example i was able to make extra payments and see in real time the Amortization calculator of my loan, as well when my Home Owners Insurance and Taxes were paid. 
Nation Star has a very poor Website, and a very poor customer service they are only available from XXXX to XXXX ET. 
I understand there is laws that allows mortgage companies to sell the mortgages, but the other mortgages institutions should offer AT Least the same tools and options to manage our most important asset which is our home. 

When i called customer service they told me that at the moment they do n't have that option in their website ... .. its 2015 Nation Star please hire some to build a decent website to server your customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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:
Credit reporting agencies constantly report fraudulent information even after properly disputing and demanding they remove the unfair, fraudulent accounts, statements and inquiries. Corporations are negligent and non compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX XXXX XXXX pull out my TransUnion credit report without my permission.

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 2018-10-09
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:
I have disputed the late payments on this XXXX XXXX XXXX XXXX And XXXX   XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home. 


" I have disputed this charge off on XXXX XXXX for months. XXXX  and XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of  the Fair Credit Reporting Act. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Block, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX My previous cash card expired in XX/XX/XXXX, as a result, I requested a new card. That is when my issues began. I can not use my card even though funds are available on it. As a result, I have to go to an ATM, withdraw the cash, or instantly cash out to my bank account ( To which fees are accrued ). I contacted the customer service center and the representative hung up on me after I requested a manager. This is ridiculous!

Company response to consumer: Closed with explanation