BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-28
Company: Experian Information Solutions 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:
This is my 3rd complaint on the same issue. I am responding to complaint number XXXX and complaint number XXXX. I have requested to see Verified record of Experian and XXXX files. 609 ( a ) states information ON FILE ; sources ; report recipients. Every consumer reporting agency shall, upon request to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This information should be in the credit bureaus files when they put this information on your credit report. I was instructed to contact the creditors for, all documents. Therefore they are reporting unverified accounts. Because this information should be stored in the credit bureaus file and in their computer database on every consumer. 

i am uploading loading ; Your full name including middle initial ( and generation such as JR, SR, II, III ) Social Security number Complete addresses for the past two years Date of birth One copy of a government issued identification card, such as a drivers license, state ID card, etc. One copy of a utility bill, bank or insurance statement,

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 2021-11-08
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: Personal information incorrect

Complaint:
Hi, this is XXXX XXXX XXXX XXXX. This my second time contacting your company regarding the correction of my Personal Information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
I had 3 accounts that went into collections. When I contacted PRA to settle they informed me that they would remove accounts from collections. I have disputed this over and over and over again and they still remain. All they did was update them to XXXX and paid in full when I was informed that they would be removed. I contacted PRA and they said that they no longer remove collections and only update to zero. Which is not want I was told when I paid these accounts. Apparently it is something that happens with this company. I wish I would have done more research prior to agreeing to give payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: TD BANK US HOLDING COMPANY
State: NY
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 bank with TD BANK. I have been banking with the financial Institution for 4+years. They are a very selfish, inconsiderate, and their Rules and Regulations are nothing less than unfair, unjust, and there has to be a law to overdraft fees on a XXXX. It outrages me that a bank institution has the right to do this. I have been treated unfairly and very bias as per conversations with Customer Service. I signed up for cash advance for short term knowing i had a deposit for Monday XX/XX/2018 I was not overdrawn from my online banking account than. Tuesday afternoon I was informed I overdraft my account on XX/XX/XXXX, meanwhile I was showing a positive balance and nothing pending. What do they see that I should see and don't. There Bank thrives with no pitty nor compassion when it comes to overdraft fees. TD Bank is charging XXXX for XXXX overdrawn. that started the overdraft to roll. I would like my account investigated for illegal overdraft fees. I am on XXXX and I will not be able to pay my rent due to XXXX plus dollars and fees in Overdraft fees. last month too. very upset. and disgusted. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
They reported late payment in a fully paid account and that a violation, the account is USDA 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 non-monetary relief
Consumer complaint received 2018-08-28
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The problem is I consolidated all my loans due to interests accumulating just got higher and higher in the amount of XXXX. My loans from the schools I attended XXXX loans were higher.. I work for a non profit and I fall under all the criteria for public service and Navient formerly Sallie Mae and the Department of Education didn't help or any of there programs my payments are still out of my reach and I have a low paying job because non profits don't pay much and this situation is very stressful XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: EQUIFAX, INC.
State: HI
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:
Equifax has the following information on my credit report and it is not correct : Has a past address of : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never lived in Texas. 

Shows a late payment account from : XXXX XXXX This has never been late. 

XXXX XXXX XXXX XXXX XXXX 
This account does not belong to me. 

Shows an inquiry from : XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: Perfection Collection
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir/Madam : PERFECTION COLLECTION has placed a debt in my credit report with XXXX. I know nothing of this debt and called them to state the same. They would not explain, but said it was from an old debt to " XXXX  '' and refused to remove it from my credit report. I owe no money to XXXX  and have not seen any evidence from this collector that I do. 

I then diputed the debt with XXXX  twice and they have refused to remove the entry from my credit report. This is identity theft, and I want to know how this collector got my ssn. Did they get my ssn from the XXXX  data breach? Neither the collector nor XXXX  is willing to explain this and remove this entry. Please help. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: EQUIFAX, INC.
State: FL
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 tried to dispute this account because it has been over 8 years that this account has been opened and I wanted it to be removed from my credit report. As the result, this account came back on my credit report re-aged. 

I spoke to Equifax and they told me my account can not be removed because with a {$0.00} balance I need to wait 10 years. And it is showing a new date as XX/XX/XXXX and this account will be removed from my credit report in XXXX. They re-aged my account and told me there's nothing they can do about that. 

They also told me to try and contact the creditor company and ask them to send an authorization to remove the account. 

I called the creditor company and they told me it is impossible that my account re-opened unless I applied for a new credit line which I did not. I tried to explain the situation to her which she did not want to listen, and she told me they can not remove anything. 

I know my rights and I know that they can not leave bad debts more than 7 years on my credit report and re-aging accounts are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX. The finance company was XXXX. After a few months, my loan was acquired by Santander. After paying for years, in XXXX Santander indicated that I still owed approximately {$8000.00} on the XXXX XXXX. My last payment to Santander was XX/XX/XXXX. I do believe at that time, I requested an audit of my account, because I was still paying for a vehicle 10 years later. I did not receive any additional information from Santander until XX/XX/XXXX, when they reposed the vehicle and stated that I owe them approximately {$10000.00} on the XXXX. I would greatly appreciate any assistance you can render. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Paypal Holdings, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or around XX/XX/XXXX I began selling items on XXXX which requires a Paypal account to be linked for payment. Shortly after Paypal contacted me whom i've had an business account with for about a year. They wanted proof of I.D, Dropshipping info, residency info, order fulfillment info, and invoices. I replied and sent all information requested during this process my Paypal account was frozen for 48 hours. Once info was verified I was able to continue business. Then My dropshipper XXXX asked to verify my account and said it takes 3 days well it took 7. Once all this was sorted out XXXX contacted me asking if I had issues with order fulfillment I explained the issue and also explained why I refunded so many customers whom were waiting. I looked up and my XXXX account was suspended XX/XX/XXXX with a {$800.00} sellers fee for selling on XXXXy I haven't been selling for 30 days yet.They then began refunding all customers even the ones i've previously refunded. And I couldn't see any of my sellers information on XXXX nor respond to any customers. Upon review of my paypal account it was negative {$100.00} 's of dollars and refunds went to quite a few customers whom have been shipped to and received items previously or had tracking information attached to orders already out for delivery. There is proof which I will be attaching. At this time XXXX  is still refunding customers and even after several attempts to ask Paypal to cease the action on my account they have allowed this - {$1500.00} as ofnow. There were some customers that I needed to refund about 12 after account was suspended but now their money is gone and so is alot of mine thanks to the refund process XXXX has began blindly. Please look into this matter and help me I will attach shipping info, payal info, and messages XXXX has sent showing refunds to people and never contacted me about this issue. XXXX even skipped the process in which a case is opened and they allow you to respond in 24-72 hours they are not even contacting me. I've been passed around to over 20 customer service reps and account specialist with no results. Just refund email after refund email all day for days. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent me a bill for a debt that belongs to XXXX XXXX. My name is XXXX XXXX. This is not my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: EQUIFAX, INC.
State: CT
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:
THE DISPUTED INQUIRIES LISTED ARE DUE FOR REMOVAL OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am yet again filing a complaint against Wells Fargo. I had received a packet of letters posted marked XX/XX/XXXX. At the end of the letter Wells Fargo claims that all of my concerns have been fully addressed. They have avoided my requests and have dodged me each time. They are also claiming that it is my responsibility to review my account statements promptly and carefully and to notify them of any errors. I did notify Wells Fargo of the errors all the way back to XXXX of XXXX. I had kept calling and trying to get someone to future assist me. I was avoided and no one would transfer me to a supervisor in any of the departments. I did my best effort to notify Wells Fargo within around a 2-3 week window of time. I did try sooner but was unable to speak with anyone via telephone. Also I do not have a consumer account agreement with Wells Fargo. They know this that is why they have been avoiding me and getting away with mistreating me.

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 2020-12-09
Company: HYUNDAI CAPITAL AMERICA
State: OH
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 purchased a new XXXX XXXX on XX/XX/2020 and setup the financing through Hyundai Finance. When I received my First statement from Hyundai Finance, I setup my XXXX XXXX  Auto bill pay to pay this bill on theXXXX. of each month ( payment Due on the XXXX ). The first payment ( XXXX ) was posted and the following month XXXX statement reflected the payment made. The next ( XXXX ) payment was sent on XX/XX/XXXX. The XXXX statement showed no payment made for XXXX, so I checked my checking account. XXXX XXXX  took the {$600.00} from my checking and sent the funds to Hyundai on the first of XXXX. I checked with my Bank and they verified that the fund were sent and received but not cashed. I asked my bank to cancel that check and reissue another check, they did, but it did not post. I called Hyundai and told them about the problem on their end and requested them to waved the {$30.00} late fee. Hyundai Finance said they would get back to me about the payment. The same thing happened in XXXX. On XX/XX/XXXX I checked if my check cleared and it did not. I contacted Hyundai Finance and paid the payments for XXXX, XXXX and XXXX on XX/XX/XXXX over the phone and setup with Hyundai Finance to debit my checking each month. Note the XXXX payment was made before the due date. I wrote two dispute letters to XXXX on XX/XX/XXXX and XX/XX/XXXX. Hyundai reported to XXXX XXXX that I was three months late in XXXX and after my XXXX dispute letter HF revised the credit reporting to just one late payment in XXXX. Which prompted the next dispute letter on XX/XX/XXXX. I submitted the HF loan agreement that stated my first payment was due on XX/XX/XXXX. I have contacted HF and they refuse to remove the one late payment. The XXXX Branch manager informed me that their investigation in to this was that Hyundai Finance had changed their mailing address after the first payment was made and never notified us of the address change.

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 2018-10-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I APPLIED FOR FINANCIAL HARDSHIP ASSISTANCE FROM MY SERVICER SPS, I WAS RECENTLY DENIED DUE TO THE LENDER STATING THAT THEY WERE UNABLE TO OFFER ME ASSISTANCE BECAUSE THEY COULD NOT CREATE AN AFFORDABLE PAYMENT. THIS IS ABSOLUTELY CRAZY, FOR ONE IF THEY DID NOT EMPLOYEE UNDERWRITERS WHO DO NOT UNDERSTAND HOW TO CALCULATE INCOME I WOULD NOT BE IN THIS SITUATION. THEY ARE STATING THAT MY HOUSEHOLD GROSS INCOME IS {$3900.00} AND MY TRUE GROSS INCOME IS {$6000.00}. SECONDLY, I GOTTEN MY LOAN IN XX/XX/2007 AND HAVE NEVER NEEDED ASSISTANCE. MY MATURITY DATE IS XXXX WITH A 8.63 % INTEREST RATE!! I HAVE A RATE WHICH IS DOUBLED TO TODAYS INTEREST RATE AND I AM IS XXXX YEARS OLD, THIS IS ABSOLUTELY PROOF THAT MY INVESTOR AND SERVICER ARE PREYING ON MY AGE TO KEEP ME IN A RATE ABOVE 8 %. I WILL NOT ALLOW THESE PEOPLE TO STEAL MY HOME BECAUSE THEY ARE GREEDY! AN EXTENSION ON MY TERM AND TODAYS MARKET INTEREST RATE WILL BE AFFORDABLE, I WOULD SAVE OVER A {$1000.00} A MONTH ON A 4 % 40 YEAR LOAN, DONT LIE TO ME AND STATE THAT YOU COULD NOT PROVIDE ME WITH A PAYMENT OUTSIDE OF YOUR BOGUS GUIDELINES. WHAT YOU ARE TRYING TO STATE WITH A SMILE IS THAT I WILL STEAL YOUR HOUSE AND MAKE YOU HOMELESS, WELL WE WILL SEE WHAT XXXX XXXX, FTC, XXXX, HAVE TO SAY WHEN I FORWARD THEM THIS COMPLAINT. YOU WILL NOT VICTIMIZE ME AND STEAL MY HOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXXhas violated sever al FC RA US code 15 rules on my account. violation of 1681 ( b ) permissable purposes of consumer reports and violation of 1666 ( b ) timing of payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: EQUIFAX, 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:
Equifax is reporting inquiries that is over 2 years old which should have been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: DISCOVER BANK
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
I, XXXX XXXX, was doing business with Discover card since XX/XX/XXXX. They took out protection policy for me without my knowledge. I paid for this unnecessary action up to XX/XX/XXXX. I just happen to notice it when I'd final paid off the balance due. But Discover card still took out money from my account. And, NO notice was given that my account was paid off! I had to call them to stop. Otherwise, they would have continued. It was then that I noticed the unauthorized protection payments. The agent I spoke to stated the company would refund me {$300.00} and that the check would be sent to me if I kept my account open. I was told this XX/XX/XXXX. I kept the account open until XX/XX/XXXX. I'd waited but no check came. I called to find out when I'd get the money. I was told XX/XX/XXXX that I would be paid only {$22.00}. I was lied to.This is not acceptable cause a deal is a deal.Thank you for your help XXXX XXXX, Email : XXXX, cell # ( XXXX ) XXXX-XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My husband and I have AGAIN been denied TEPSLF, despite being guided through the process by FedLoan Servicing case managers. The first time we were denied TEPSLF, we were told in writing to make three (3) more payments, resubmit employment verification and resubmit the request ot the TEPSLF program to have our loan forgiven. We did all of that. Our case has been screwed   up from day one (1) with FedLoan servicing. We have CONTINUALLY been given misinformation regarding our case. No one ever gives the same answer, and the ball has been dropped over and over again. I have document after document, email after email and phone call after phone call, of misrepresentation and guidance by Fed Loan servicing staff and agents. My husband and I are now planning to seek legal advice because of the most recent correspondence denying our request, for not having made 120 qualifying payments under TEPSLF. It is sad, that our case has been so mishandled and drug out by FedLoan Servicing,  we are having to are consinder legal counsel. It appears as though we continue being led in a cirlcle, in an attempt to collect money. We are both public servants who have served well beyond the the required time in service, and made well more than the required payments to qualify. The poor business practices, lack of training, and knowledge of the law by FedLoan Servicing personnel continue to cause our family mental anguish and undue stress. The practices by this company border on criminal. It seems we are nothing more than a revenue stream, whom FedLoan Servicing has no intent of letting go.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Bankruptcy, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXt filed as identity theft. Bankruptcy does not report to credit bureaus as stated in the letter

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