BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-24
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/XXXX, I received a report in the mail from Equifax. The following address is showing up on my credit report : XXXX XXXX XXXXXXXX CT, XXXX, OH XXXX. However, I have never lived outside of XXXX. The only other former addresses appearing on my report, if any, should be from XXXX, XXXX  between XXXX. I believe this may be someone else 's address with a similar name. I have tried to report this to Equifax, but I can not even access or verify an account with them because they are confirming with what I believe is this misinformation. This address and any loans associated with it are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: NY
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 the days of XX/XX/2021 XX/XX/2021 and again on XX/XX/2021. I wrote to this company XXXX XXXX XXXX, XXXX  and Experian Requesting for an investigation into this item being reported unverified and inaccurate. it has been way past 30days and the 45 day grace period. I have not received an response from the following company in question XXXX XXXXXXXX XXXX and or XXXX  or Experian. In my previous requests. I have listed my reasons for disputing this item and I have attached the same information again. after reaching out to the company in question XXXX XXXX XXXX my mail was returned due to this companies in accurate information

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 2017-01-23
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was able to lower my monthly payments based on my income. They payments have more than tripled without notice and I am struggling to pay the loan. Additionally, I was charged late fees that do not bear a relationship to the actual costs incurred by XXXX or Navient in processing the missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Monterey Financial Services LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband and I went to XXXX to look at some small dogs XX/XX/XXXX. While we were there we fell in love with a 3 months old XXXX so we asked the clerk how much are they asking for the puppy. She stated {$1400.00} which I thought that price was a little deep but my husband was so adamant about taking her home so we asked about financing, She said all she needs is some information from me and to see if I can get approved. So she was using a small tablet to do the application for me and since I had the strongest credit score, I provide her with my credential. She informed me that I was approved by XXXX XXXX. The FINANCE amount is {$1300.00}. My husband and I agreed to pay the {$1300.00} early. In XX/XX/XXXX I check my credit report and saw that Monterey Financial Services was reporting a balance for {$3500.00}. I immediately called Monterey Financial and asked the female representative why are they reporting the balance {$3500.00} and what this for, she indicated that they are now servicing the loan from XXXX XXXX. I thought I was approved for {$1300.00}. The representative stated that I am LEASING THE DOG and that the {$3500.00} is the amount for 24 months lease. I was extremely bothered by this. I travel a lot on my job so I didn't have time to handle this accordingly. On XX/XX/XXXX, I called Monterey to asked why the payoff balance is not available online and why they don't provide you with a bill by mail. The representative informed me that you have to call them and they will provide a verbal quote. WHAT? I asked the representative why do we have to call you when it is difficult at times trying to reach a representative. On XX/XX/XXXX, I finally reached someone over the phone and I spoke with ( XXXX ). I asked XXXX for a payoff and she quoted me {$970.00} for an early payoff. I informed XXXX that her company is 1. predatory practices 2. the company is preying on consumers and 3. I am disputing this payoff after we have already PAID {$1800.00} and we will not send this another dime. I asked XXXX to email me the quote to have this ridiculous payoff in black and white. XXXX XXXX ( XXXX ) sent the email and I responded to the email to inform XXXX XXXX I dispute the quote in writing and to ask her how she came to the payoff quote after the online payment history does not provide itemizes details. I requested for XXXX XXXX XXXX ( XXXX ) to provide me with the information before the close of business if XX/XX/XXXX, or I considered the payoff invalid. XXXX XXXX sent me an email XX/XX/XXXX, with some figures she typed in the body of the email. I will attach the email conversation to my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by XXXX, and XXXX XXXX XXXX to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights

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 2019-05-30
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in XX/XX/XXXXI was contacted by direct recovery service via text message and phones trying to collect a debt. The also contacted my mom and my sister regarding the debt and disclosed that info to them as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: HSBC NORTH AMERICA HOLDINGS 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: Account information incorrect

Complaint:
Short version is there is a hard pull being erroneously reported to XXXX by the bank ( HSBC ). 

XX/XX/XXXX - I downgrade my creditcard with a phone agent named XXXX, she confirms that there will be no hard pull for this downgrade XX/XX/XXXX - hard pull appears on my credit report, HSBC agent tries to convince me that it is a soft check, I provide evidence showing it's indeed hard and not soft XX/XX/XXXX - HSBC agent XXXX admits erroneous hard pull, provides nominal handout XX/XX/XXXX - HSBC agent XXXX requests the inquiry on XX/XX/XXXX be removed, and that I should wait 60 days for this change to reflect with the credit bureaus. 

Hard pull still being erroneously reported, HSBC tells me that " it only affects my score up to 90 days so who cares. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Summary XXXX has applied a fee of {$300.00} to my account, improperly o The fee is improper because I was never notified or informed about the existence of this fee until after it was applied o To the best of my knowledge, I did not consent or otherwise agree to this fee when placing an order for services by XXXX Efforts to dispute the fee directly with XXXX did not resolve the situation Although I paid the bill for services I agreed to receive, I did not pay the outstanding balance pertaining to the disputed amount Despite my dispute efforts, XXXX sent the unpaid balance to collection and reported a negative credit report to all three national credit bureaus The negative credit item caused my credit score to drop by 145 points, and resulted in a denial of credit by a financial services  company I furnished all of the information to the credit bureau, as evidence of an ongoing dispute. The bureau has not removed the negative information from the credit file.

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 2018-05-22
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Good Afternoon : I was sold a vehicle with a rebuilt title during my bankruptcy proceeding. Since I had the vehicle from XX/XX/2016 there have been major over hauls done on it about {$5000.00} worth. In XX/XX/2016 while on Family vacation in XXXX the truck stopped on us and would not restart. I purchased a battery and new starter neither of those fixed the issue, so my brother ended up towing us to XXXX. 

I emailed XXXX XXXX XXXX the Vice President of XXXX XXXX   and XXXX XXXX a account rep on XX/XX/XXXX. I asked them to come get the vehicle because I was not going to pay for a truck again that I could not drive they have not came yet. XXXX XXXX keeps calling and sending emails saying I can't run from my responsibilty and that I still owe a debt. I emailed agin on XX/XX/XXXX and no one has come get the vehicle. I need them to one STOP CALLING MY JOB. We can't receive personal business call and two come get their vehicle from XXXX XXXX XXXX XXXX XXXX XXXX. If XXXX calls my job again I will pursue legal action against her and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax has denied my right to have online access to my credit report for 3 consecutive years. Per the Fair Credit Reporting Act, Equifax is legally obligated to provide me with a copy of my credit report annually, however when I attempt to retrieve my Equifax report through XXXX, all of my information is verified, I receive a message stating, " Great, we have found your credit file '', but instead of my credit report displaying, I receive an error message advising me to call Equifax. I have been denied credit, based on my Equifax credit report and attempted to retrieve my report on their website and I continuously receive the same error message. Over the last three years, I have called Equifax more than a dozen times, attempting to resolve this issue. Most recently, I have called Equifax on XX/XX/XXXX, 3 times on XX/XX/XXXX, twice on XX/XX/XXXX and twice on XX/XX/XXXX to determine why my credit report is unavailable to me online, they have no answer or resolution. Can you please assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2017 I had around {$100000.00} in my BBVA Compass bank account, I found out my step dad stole my money and was commiting identity theft in my name, I reported it to LACSD after I found $ XXXX in lines of credit and credit cards in my name, this money was my inheritance and it was stolen from me, along with my identity. 


I have filed affidavits and done all the proper steps under federal law for BBVA to handle this accordingly but has failed to do so, my attorney has filed a complaint with the Attorney Generals office of California - XXXX XXXX against BBVA Compass Bank for Banking negligence resulting in the loss of funds of claimant - XXXX XXXX. 

In the last CFPB response from BBVA Compass Bank all that was stated after a TWO WEEK investigation was dispute it ... I am asking BBVA once more to investigate and return my funds that are due to me under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax/ I am requesting proof that " XXXX XXXX '' have permission to look at my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company has PMI on the loan. I have reached my Loan to Value of 75 % and the mortgage company is looking to force my into paying for another appraisal. I already have a licensed appraisal

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 2019-03-28
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CT
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:
I am on social security XXXX l only make {$1300.00}. After my Medicare an medical l am left with XXXX my rent is XXXX a month. I never signed any parent loan also in my divorce decree the judge granted my ex husband was dissolved from paying any student parent loan then he also granted me the same. But my XXXX check is getting garnished an l cant get in touch with the IRS I need to talk to a human being. I filled out the paperwork 3 times since last XXXX. I really need help to correct this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: EQUIFAX, INC.
State: OH
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:
Attended XXXX XXXX for nothing school doesnt exsist anymore and i have no dregree these loans failed " XXXX '' they being sued and this needs to be off my credit report XXXX needs to remove this asap XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity. The following credit inquiries are all fraudulent, unauthorized and dont belong to me : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX.This is my fifth time requesting for the fraudulent credit inquiries to be deleted and removed from my credit report. I want all of these fraudulent credit inquiries to be immediately deleted and removed from my XXXX, Equifax and XXXX XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Navient Solutions, LLC.
State: PA
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:
Our daughter graduated from XXXX. We took out a parent plus loan all 4 years. When we add up our total with those Federal loans, it's correct. BUT, Navient began contacting us with a balance of {$28000.00} and offer ZERO information on what that is, why they have that balance, we have tried ( without success ) to get an explanation. It seems they have a portion of the SAME loans that Federal loans are already including. So our daughter is struggling to make a payment to her federal loans each month and also to Navient because no one seems to be able to explain why they have it or what it's for. She's basically put out over {$1000.00} to them but each phone call they have treated her with total disrespect as if we are supposed to hand over money she works hard for with no explanation. At the very least if it is legitimate, we would like to have them all with federal so that one payment can be focused on. Navient is a horrible company we don't want to be dealing with while we trudge through this debt. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX Wells Fargo Home Mortgage Foreclosed on my home. XX/XX/XXXX Wells Fargo failed to answer my questions concerning my note. They failed to answer any of my questions on the questionnaire I sent them in XX/XX/XXXX. Wells Fargo Home Mortgage failed to answer pertinent questions Under RESPA AND TILA ACTS. 

Wells Fargo failed and deliberately ignored my numerous requests to answer my questions concerning the alleged debt they were demanding over the telephone. They refused to send me any bills or statements for what I owed and they never gave me receipts for the payments I made. Wells Fargo and its agents also endorsed the mortgage note at closing without my knowledge or disclosure that it endorsed the note on the back PAY TO THE ORDER OF AND WITHOUT RECOURSE. 
This indicates that they converted the note to a DRAFT ie a check and someone recieved a XXXX dollar payment. Then they proceed to demand payment when someone endorsed the note without recourse. 
On XX/XX/XXXX Wells Fargo reconveyed my home to a # rd Party debt collection attorney in the state of Michigan and these attorneys proceeded to pilfer my public Title to the property in question. To this Day XXXX XXXX  XXXX  and their agents have continued to Send Bills and Notices of collection and notices of Sherriffs sale on XX/XX/XXXX. XXXX XXXX has sent collection notices through the US Mail indicating a fraudulent process to collect on my estate and making themselves Fiduciary to my estate when I never authorized them to contract with me or my estate. Swindle, fraud, and fraudulent collection activity are being reported to the Treasury Department and the IRS as well as the XXXX police.

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 2018-12-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I was attending XXXX University took out a private loan that was not enough so I reapplied again was told to go to class then found out I had to leave class because the loan that they said I had I did not have which led me to another school at that time it was Sallie Mae so from then on it has been nothing but a horrible confusion they messed.up my credit report and I was only six.credits short from my XXXX degree I left XXXX University and had to start another School which held.me.back a few.years.in the mean time the harassment call and the correspondence was horrible and to top it off I am in default which went on for several years until one gentleman for Sallie Mae said they could.have put.me on a forbearance. At that point I went to the State Attorney where Sallie Mae I believe is now Nivient and he said to sue them. I feel that they have ruined my life my credit and prolonged my degree for no reason. Very unprofessional unethical and I would appreciate someone correcting.that huge error on their part and being accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I bought a policy with XXXX after buying a car mainly just to get me through about a week until I could add the car to my XXXX XXXX  policy. I had an XXXX XXXX XXXX so I pay big money for this commercial insurance. I decide to keep this XXXX policy for 6 months because it was cheap and I figured it never hurt to have extra insurance. After my 6 months were up I never renewed and never signed any renewal but they sent me a bill for another 6 months. I sent emails and called them showing with documentation I already have insurance and will not be renewing with them. 
They put me in collections with CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX and hurt my credit rating by 40 points. 

I disputed with Caine and Wiener with documentation but it fell on deaf ears. I disputed with XXXX and this stupid {$240.00} charge is still on my report. XXXX did remove this so I rate them much higher than XXXX. I refuse to pay out of principle and have decided my only recourse is to tell what a crooked company XXXX is to the world on review sites. 
Recently with covid 19 I can not continuing my business because this bogus collection hurt my credit score just enough to not qualify for a Small Business Association Co-vid19 loan which would have allowed me to stay in business.

Company response to consumer: Closed with explanation