BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: Commonwealth Financial Systems, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ask the caller for their name, company , street address, telephone number, and if their state licenses debt collector '' and their professional license number. Refuse to answer questions.I also refuse to discuss any debt until I received a written " validation notice. 

I then researched company to find out their license has been revoked/voided in the State of Florida. Attached you will find documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted all 3 credit reporting agencies about a debt on my account that is not mine. I have disputed this item and the credit bureaus have not properly looked into this issue. XXXX XXXX is collecting a debt from XXXX XXXX in which XXXX  XXXX does not have an application for this debt. I am asking that this debt is removed from my credit report because this debt is not mine nor can XXXX  XXXX definitively say that the debt belongs to me without a signed application. The burden of proof is not on the consumer to prove that the debt is not theirs. The burden of proof belongs to the creditor to prove that I contractually owe a debt and they can not do that. Please remove this debt from my credit report because you are violating my rights as a consumer to have accurate information on my credit report.

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 2019-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection reporting to my credit bureaus that is not mine. The account was opened without my consent as the result of an identity theft. I have made attempts to address this matter directly with debtor but was unsuccessful. The card was charged up under my personal information and now has left a permanent blemish on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have been disputing this account late payments since XXXX. I contacted them regarding late payments showing on my account..due to being misinformed by their customer service reps. I was told if I made partial payments due to financial difficulities at the time, I would not be reported late to the credit reporting agencies!! This was a lie! I have been with this company and asked that they remove one late payment ... instead they go back to 2014 and add three late payments causing my credit scores to dip. XXXX XXXX is a horrible company which do not work with their customers at all. I have called, sent letters.. no avail. After doing research.. just XXXX  XXXX late removals .. they are known for this. There are less than six payments on this account and because their representatives misinformed me.. securing a mortgage has been difficult.

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 2018-07-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a goodwill letter to XXXX/XXXX XXXX because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead XXXX/XXXX XXXX reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When XXXX/XXXX XXXX reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet XXXX has damaged my credit further. I hear about XXXX XXXX damaging many peoples credit with their practices. I repeat a goodwill letter was sent to XXXX/XXXX XXXX - not a dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to remove a freeze from experian. The website will not allow me to do it, insists i MAIL a bunch of documents that I do not and will not have, because I am working out of the XXXX country, to the company. There is NO way to speak to a person on any of their customer service numbers. I've called 15 times today and tried every XXXX trick their is. Just loops and eventual disconnection. 

This is absolutely ridiculous. I don't want these people anywhere near my information, and yet I have no choice. And now I sit here, completely screwed, because of their greed and refusal to pay someone to answer a XXXX phone.

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 2019-02-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Taxes are not being paid from escrow ; XXXX XXXX 's property taxes were not paid in full. 
XX/XX/XXXX 's Irrigation Tax was not paid at all. 
XX/XX/XXXX 's property taxes were not paid. 

We received a delinquent tax notice from our county assessors office on XX/XX/XXXX. Since XX/XX/XXXX we have contacted Lakeview Loan Servicing LLC 17 times, have been told on 4 occasions that they would be paid but they are still delinquent. Also note, our XXXX form XXXX is incorrect as it does not reflect all taxes for XXXX that should have been paid since only a portion was paid. 

Dates of contact XX/XX/XXXX XXXX calls to lakeview to initiate correction of delinquent taxes XX/XX/XXXX 2 follow up calls to learn what action would be taken told they would be paid soon XX/XX/XXXX 1 follow up call XX/XX/XXXX 1 follow up call was told the taxes would be paid in a few days XXXX/XXXX/XXXX 1 follow up call XX/XX/XXXX 4 calls was told the taxes would be paid no later than XX/XX/XXXX XX/XX/XXXX 1 call to determine why they weren't paid on XX/XX/XXXX - no reason given XX/XX/XXXX 1 call was told they would be paid on XX/XX/XXXX XX/XX/XXXX 2 calls to determine why they were not paid on XX/XX/XXXX - nobody knows why or when they will be paid at this point.

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 2018-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Previous account access denied XX/XX/XXXX First time, successful access to account. Hours later, account was deactivated. Tried to recover access to a previous account by changing password and using a different browser and was denied. " Oops, hit a snag '' was the response from the website. Three different reps were not able to help with gaining access instead, after saying they could get me logged-in, putting me on a brief hold ( 5mins ), and all saying the same thing : After coming back on the phone from a brief hold ...

CapitalOne : " It looks like we're not going to be able to access this account. '' " I thought that we could based on my understanding but will only be able to send you the requested information via postal mail. '' Me : I was just able to gain access and now I can't sign on CapitalOne : " Sorry, there's nothing we can do. '' Me : Ok, I need the statements from XX/XX/XXXX - XX/XX/XXXX and copies of any checks in the amount of : {$1000.00}XX/XX/XXXX I received the statements on XX/XX/XXXX but not the copied checks.

JXX/XX/XXXX I called a Capital One bank rep, explaining I didn't get the copied checks, the rep replied they have been sent to an encrypted file on my account. I told them, I didn't have access. XXXX ( Capital One Rep ) said that I should have access : a. Did I try to change the password b. try using a different browser c. put me on a brief hold d. sorry - we're not able to reinstate you for this account. We'll send you the copied checks I haven't received the final documents to this important information requested by the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recently opened a joint checking account with M & T Bank with my husband, and I am in the process of transferring from my individual M & T checking account to my joint account. On Friday, XX/XX/2020 I disabled the overdraft protection feature on my individual checking account with M & T. Following this action, 2 transactions were completed resulting in a negative account balance as well as 2 insufficient funds fees. I contacted M & T on XX/XX/XXXX asking for a removal of the insufficient fund fees, and notified them of my intent to pay the outstanding amount, though I did not wish for it to be transacted from my bank account. Unfortunately, the two people that I spoke with informed me they would not be able to do so because they have previously reversed overdraft fees. However, half of the incidents of reversal of overdraft fees were erroneous, as there were funds available during the time the transaction posted. I would like the overdraft/insufficient funds fees removed from my account, as I have willingly paid them many times while experiencing financial difficulty and banking with M & T. Not to mention, I specifically requested for this feature to be removed from the account, but my request was ignored.

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 monetary relief
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX  rejected a {$75.00} enrollment fee, which I attempted to pay. Then, without any notification from them, they closed my account, continued charging late fees for 2 months and reported me as late payment, tremendously impacting my credit. I had never used the card, and was immediately hammered by this company because they don't communicate, and I believe this issue should be dealt with, along with removing the late statuses from my credit.

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 2018-06-06
Company: Santander Consumer USA Holdings Inc.
State: MA
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:
I have been disputing this account late payments since XX/XX/XXXX. I contacted them regarding late payments showing on my account..due to being misinformed by their customer service reps. I was told if I made partial payments due to financial difficulities at the time, I would not be reported late to the credit reporting agencies!! This was a lie! I have been with this company and asked that they remove one late payment ... instead they go back to 2014 and add three late payments causing my credit scores to dip. Santander Consumer is a horrible company which do not work with their customers at all. I have called, sent letters.. no avail. After doing research.. just XXXX  santander late removals .. they are known for this. There are less than six payments on this account and because their representatives misinformed me.. securing a mortgage has been difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is the same case as prior, # XXXX. My name is XXXX XXXX. You sent me a link stating the bank had responded and that a letter was attached. You already closed the case. 
The attachment under this account WAS ADDRESSED TO SOMEONE ELSE!! A male with XXXX name. Isn't that a privacy violation? 
Where is the letter from Syncrony bank that was meant to come to 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 2017-12-07
Company: World Acceptance Corporation
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have attempted numerous times to get this company to send me notification of debt with detailed list of fees. So I know exactly what I am paying and why. They flat out refuse to send any notification. But have put on my credit report twice I am past due but never have they send any late notices to me at my address. I thought it was a law against collecting debt that notice was never sent out on I may be mistaken. I have attempted again this week for the 3rd time to send a letter with a small payment to please send detailed statement of charges owed. They tell me to visit a local branch but the branch is not competent they are the ones who stopping sending notifications in the first place. This company is retaliating against me because I have filed several complaints against them. I think they are refusing to comply out of retaliation. All I want is a detailed billing statement a copy of my original loan documents. And any associated paper work. So I can pay what they claim I owe. I can not pay anything I do not have paperwork for it makes no sense why they will not comply with my request. I filed 2 complaints with Better Business Bureau they will not attempt to assist me any further. Because my complaint is duplicate. Also in addition they have put the same information twice on my credit report within one month. I am filing paperwork with all three credit bureaus on that. But if you can please help me with this request. I do not know who to go to at this point. This company is fraudulent they say I started a loan with them this year, but this loan has been going for years. I have canceled copies of checks to prove that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I received a call from a collection agency ( " XXXX XXXX  '' ) about a delinquent XXXX cell phone company account that I knew nothing about. The collection agency possessed sensitive personal information about me that I had never provided to their client, i.e., XXXX. I immediately started working to report and resolve this identity theft issue. Related to this effort, I obtained an XXXX  Credit Report for myself ( XXXX XXXX XXXX ) dated XX/XX/XXXX, and confirmation # XXXX. In the Inquiries section of the report, specifically the subsection listing " inquiries that may impact your credit rating, '' I discovered one from " XXXX XXXX XXXX/XXXX '' dated XX/XX/XXXX that I had no knowledge of. The store address given was as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Today I attempted several phone calls to try to contact the XXXX XXXX consumer credit department to advise them of this case of identity theft. However, XXXX XXXX XXXX automated phone system never let me talk to a real person to report this issue.

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 2019-01-31
Company: Earnest Inc.
State: NY
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:
I refinanced nearly {$54000.00} in student loan debt with a company called earnest. I made a mistake in taking up service with earnest. It's not a good fit. I realized immediately on a Sunday. I called Monday and they were closed for XXXX XXXX. So, I called immediately as they opened on XX/XX/XXXX. Well within my rightful timeframe of 3 business days to cancel. I was assured it was all taken care of. About a week later I received an email stating the funds were being sent to the servicers. I called immediately and they blamed it on an anomaly in their system. 3 days later I still have no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am sending this letter because I am very concerned. There is a late payment reported on my account on XX/XX/XXXX. I want to explain that I was not actually late. There was a third party company that was supposed to make the payment. 

I realized that I was reported as late, and I decided to contact this company. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter. This was situation that I could not control. 

Account number : XXXX Credit limit : {$2500.00} Opened : XXXX XXXX, XXXX ( 13 yrs, 9 mos ) My request is based on many damages that I have suffered based on a third party error. I WOULD LIKE A FAIR SOLUTION : THIS LATE REMARK IN XX/XX/XXXX REMOVED FROM MY CREDIT REPORT ASAP. 

Please contact me if you need further 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 explanation
Consumer complaint received 2021-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX XXXX XX/XX/2021. 6 late fees due to covid 19. I was unable to pay my monthly car note of {$510.00}. These late fees on my credit report is affecting me to be able to move forward in my personal life. I lost everything. I signed up for the covid relief program not aware of the company to continue to report 30 and 60 days late to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: NC
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 contacting you to work on resolving this issue as quickly as I can. 
I sent in a identity Theft packet to report this matter it has been over 30 day and the issue still remains I ask that this item be removed from my credit profile this item is not mine and has truly effect my credit report and is preventing me from getting credit.

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 2021-11-30
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
I initially noticed a new American Express credit card on my credit report which used a different address and birthday in XXXX of XXXX. I disputed it immediately with XXXX but was told to contact American Express. 
I initiated a fraud complaint in XXXX of XXXX  and was informed by a letter from American Express that since the account was being paid then it was not fraudulent. I immediately contacted American Express again and disputed the decision. Again, I was notified by a letter that its not fraudulent since the card is being used. A second American Express card had just opened under my name which I did not apply for in XXXX XXXX. I plan on disbursing the new card as well. American Express somehow continued to refuse canceling the fraudulent account. The reasons they provided did not make any sense. They didnt ask for proof of identity during the dispute or fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX purchased my loan under a year ago. They have since raised my interest rate 2 times, to over 50 % higher than it was when purchased. I overpay ( 'prepayment ' ) each month, and am being told through customer service that, " The payment amount may be adjusted to ensure you are paying the minimum amount required to pay the loan back within your loan term. Re-amortizing the loan prevents a large last payment from being due at the end of the loan term. ", which to me is very clearly stating, 'We are losing out on long term profits as you are overpaying and therefore need to make up for our lost profit by raising your interest rate, effectively punishing you. ' This feels predatory. Is there any consumer protection to prevent this type of behavior by the lender?

Company response to consumer: Closed with explanation