BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-29
Company: Hunt & Kahn, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I had a XXXX XXXX XXXX XXXX cc that was included in my Bankruptcy Ref # XXXX the charged off debt was sold to Hunt & Kahn I had a XXXX XXXX XXXX XXXX cc that was included in my Bankruptcy Ref # XXXX AND DISCHARGED. Yet this one specific charged off debt was sold to debt collectors, Hunt & Kahn , P.A . representing XXXX XXXX XXXX, a well known debt buyer. I have REPEATED responded to Hunt & Kahn 's aggressive collection attempts by advising them that this collection amount was discharged in my Bankruptcy from  XX/XX/2011. They have also erroneously increased the amount that was discharged by 40 % and now are garnishing my wages to recover the discharged amount - which was also overinflated from the original discharged amount. The Institution Information : U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX Overview Bankruptcy Reference Number # XXXX Date Filed : Reported on XX/XX/2011 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 notified Transunion and CFPB on several occasions that my account # XXXX is not reporting accurately. This account has not been updated in 9 consecutive months as of XXXX and Transunion continues to ignore my order to correct. Statements for XXXX, XXXX, and XXXX have been attached to validate my complaint. My current balance of {$150.00} reflects in the screenshot for mentioned account. Refer to attached XXXX report that confirms last report date and accuracy of account as reported by XXXX and 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 explanation
Consumer complaint received 2020-05-04
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hi! My name is XXXX ( full name : XXXX XXXX ) and I am contacting regarding my auto loan with Chrysler Capital. In XX/XX/XXXX I have arrived to the dealership and applied for a car loan. They approved me with 20 % APR and informed that I will be able to lower the apr as low as 2.99 % after I complete 7 payments in time. After paying the monthly payments in time I contacted Chrysler Capital to ask to lower the apr and my monthly payments but they rejected my inquiry. Also, I found that 80 % of the money I paid since XX/XX/XXXX were counted as an interested and in fact I paid almost nothing to cover my actual loan. Now in XX/XX/XXXX, I still owe almost the same amount as I owed in XX/XX/XXXX. I am not able to continue my payments with the given APR as my plan was to pay only during 7 month. I can pay in time my debt if I can receive the normal APR that my credit profile deserves but the company is rejecting to negotiate and I was rejected with another bank to refinance. Please help me in this situation. 

Chrysler Capital loan terms are unfair, they are damaging my life : I cant afford healthcare, save money or any vacation and all of these forcing me to file a complain. If they never told me that I can lower my apr after 7 payments I would not sign for that deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Note : I 've attempted this approach before, without resolution. I need better support. 

Navient ( formerly XXXX XXXX ) continues to maintain that I missed a payment several years ago. They continue to charge me late fees. I provided all documentation they requested, including bank statements going back five years -- all of which shows I am not behind on my payments. I have repeatedly requested someone with the proper authority to contact me to resolve this ; no one has done so. 

I have also repeatedly requested that my account be updated to reflect my status as a customer who is current with his loan payments ; that I be credited all late fees and unnecessary overpayments ; and that the company stop contacting me about what is the company 's error ( not mine ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Hi, I went into a dealership to purchase a vehicle back in XX/XX/2017. The dealership asked to run my credit for approval. I asked that they only submit my report once to the most likely lender. The dealership shopped my credit to 3 other bank institutions without my approval. I want these inquiries removed. I did not realize they could be removed until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The account balance reporting is incorrect. I purchased the vehicle for {$11000.00}. Shortly after purchase I was forced to return the vehicle because of electrical damage that was not disclosed at the time of purchase. The vehicle was sold at auction and sold for more than what was owed so consequently, there is no outstanding balance due and therefore nothing to collect. We were also owed 95 % of the extended warranty and that was never applied either to the balance. This false reporting of a collection/charge off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Self Financial Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am XXXX XXXX XXXX and I am forwarding this complaint myself. There is no third party involved in this request. This SELF / LEAD with Account number XXXX appeared to be included in Bankruptcy which is erroneous because this account is {$0.00} in balance and it only reports on my XXXX. I have no idea about the said account. Send any and all documentation that validates your investigation and comments and that the 3 Credit Bureau is legally allowed to report this on my credit report. If unable to, remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ
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 a loan with XXXX XXXX XXXX XXXX, XXXX/FXXXX, and RUSHMORE LMS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, and RUSHMORE LMS with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: United PanAm Financial Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing the following ; Account Name : XXXX XXXX XXXX XXXX Account Number : Account # XXXX Dispute Reason : Balance Amount is Inaccurate Dispute Reason : Past Due Balance Amount is Inaccurate Correction Is : Balance and Past Due Amount = {$0.00} Dispute Reason : This account was sold to 2 different collection agencies. The above account was sold to two different collection agencies ; therefore, there is no balance amount owed to XXXX XXXX XXXX XXXX ( See Attachment ) XXXX XXXX XXXX  XXXX sold the account ; therefore, there is no Past Due balance or Current Balance owed to XXXX XXXX XXXX. The FCRA states that 100 % accurate information must be reported on my credit file ; therefore, due to the inaccurate information this account must be removed from my credit file immediately. The 3 credit bureaus are stating that XXXX XXXX XXXX is verifying that the account balance and past due balances are accurate which is impossible. 

XXXX XXXX XXXX has sold this debt twice to collection companies. Once XX/XX/XXXX to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( See uploaded attachment ), They sold the debit a second time to " ACT '' in XX/XX/XXXX ( See attachment ). 

XXXX XXXX XXXX CAN NOT Verify or Update a debt that they no longer own and sold twice to two different collection agencies. 

XXXX XXXX XXXX has sold this debt twice to collection companies. Once XX/XX/XXXX to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( See uploaded attachment ), They sold the debit a second time to " ACT '' in XX/XX/XXXX I have exhausted means to settle this debt with XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX is currently in  violation of the Federal Debt Collection Act and I demand this account be removed immediately from all 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
XX/XX/2019 I revoked there Ach authorizations. It is almost impossible to cancel Ach payments with them. They told me they couldn't cancel my Ach agreement without an alternative payment method. Which is not true. By law You do not have to provide an alternative payment method to cancel your Ach. They dont want you to cancel it so they try to make you think you can't cancel it. By law an Ach agreement has to have a way to cancel it, or it's invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2017-11-28
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refinancing through Quicken Loans. The approval letter is dated XX/XX/XXXX. Talked to XXXX XXXX he told me I was approved. All I had to do was send them a good faith deposit of {$400.00} and it would be refunded when my loan was processed. On XX/XX/XXXX I received a letter saying I was not approved. I XXXX XXXX and ask for my refund of my deposit. He then told me I would not get it back because it was for the appraisal. I told him he misled me. I contacted Quicken Loans many time for my refund with no results. My loan # XXXX. I have XXXX after this happend and there is thousands of people they have scammed people out of money this way. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Paypal Holdings, Inc
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I sold an item through XXXX XXXX global shipping program. Shortly after it was shipped and tracking was provided - the buyer opened a paypal dispute because she changed her mind. The disputed stated item was not received. This dispute was a violation of ebay policy as well as abuse of the paypal dispute process. The item was delivered and XXXX  is still holding funds because a dispute is open. The buyer is the only person with the power to move forward and is refusing all routes that would effectively close this and release funds. I've contacted the XXXX XXXX police department and advised this is either fraud or XXXX XXXX. XXXX is unable to act due to a dispute and the transaction has been linked back to XXXX XXXX - through a Paypal Mastercard. I've advised the bank on XXXX yet they are unwilling to provide any information or acknowledge possible abuse of their credit tool. Please step in and regulate the bank accordingly as there is evidence of ill behavior related to an international transaction that traces back to this bank. I've read this complaint on a recorded line to XXXX on XXXX. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ( Customer Service Senior Manager ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a credit dispute to bothe XXXX and Experian for an account that was not not properly validated. Both reports state it was verified. I sent a debt validation letter to XXXX & XXXX PA for a collect account found on my XXXX and Experian credit report. I sent the request on XX/XX/XXXX certified and it was received and signed by the Collection Agency on XXXX/XXXX/3018. On XX/XX/XXXX a representative of the collection agency called me to inform me that they do not need to validate anything as their client sent an invoice. I proceeded to tell them that I did not receive any invoice nor did I receive the requested items in the debt validation letter. I further asked for all information in the letter to be sent in writing. It has been more than 30 days and I have not received any information validating the debt belongs to me as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I attached a copy of the validation letter sent and the proof of certified mail received. I also submitted a CFPB complaint on the collect agency and they did not respond CFPB complaint XXXX. I also I checked to see if XXXX is a licensed collection agency in the state of Florida and it is not. All of these points show they do not legally have the right to report a negative file on my Credit reports.

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 2018-04-23
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: Information belongs to someone else

Complaint:
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX Equifax is stating fraud activity going on. This is not true and it is hurting me from building my credit with secured cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has a XXXX dollar balance due. This false reporting of lates is seriously harming my credit and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-09-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I got a late fee charge of {$19.00} on XXXX because I assumed I was going to have a break due to the pandemic but it did not happen. 
I always pay over the suggested amount given by Navient. In the last months I was supposed to pay {$300.00} and I have been paying {$310.00} but in the last month due XX/XX/XXXX I did not distribute correctly the payment and I got a non-paid {$7.00}. I have received phone calls about this. I requested to fix it and they charge me a late fee. The last customer service agent started very supportive but in the last 5 minutes was very mean and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
DIRECT STAFFORD SUBSIDIZED Loan issued XX/XX/XXXX for {$3500.00}. 
This is what my account is currently showing : Total Borrowed : {$3500.00} Outstanding Principal as of XX/XX/XXXX : {$3500.00} Outstanding Interest as of XX/XX/XXXX : {$2.00} Why is the principal of my loan higher than the amount I have borrowed. I have spent an hour on the phone with XXXX XXXX XXXX/XXXX ( XXXX XXXX XXXX XXXX, GA ) and they could not tell me why this extra {$68.00} was applied to the principal of my loan. I have never gone below full-time enrollment- yet alone part-time enrollment. I would like to know where this {$68.00} charge came from and why it was added to my account. 

I also would like to know why the Nelnet services do not explicitly breakdown the charges to date, to the cents- info the company has, yet the borrower of the loan can not access, and the interest accrued breakdown. 

Also, why is the amount of my loan " paid to date '' lower than the amount that the loan was originated for? Why am I paying interest on the original amount borrowed if that original amount has not been paid out. I do n't believe that I should be paying interest on an amount that has not been issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: TRANSWORLD SYSTEMS INC
State: VA
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:
On XXXX XXXX I sent TransWorld system a validation letter in regards to a collection account that was on my credit from them that was unfamiliar to me. TransWorld failed to respond or put my account in a disputed status within 30 days .... Per FCRA regulations all accounts must be placed in a disputed status within 30 days from the date of receipt ... Per my certified united States postal service mailing receipt TransWorld Systems received my letter on XXXX XXXX, 2017 ... As a result of a direct violation of FCRA, and also failing to respond I ask that this account be removed immediately and not sold to any other company ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account just popped up on my credit and had a devastating effect on my credit, the collection is for the creditor XXXX and i don't even use XXXX as my carrier. 
it appeared in XX/XX/2020 in the amount of {$1200.00}. i am stating unequivocally that i had nothing to do with this account or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: TX
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 PUT IN DISPUTES WITH COMPANY AND VERBAL AND BY FAX AND THE DEBT NEED TO BE REMOVED FROM CREDIT REPORT AS COLLECTION IS A CLASSIFIED AS FRAUDLENTLY DOESN'T BELONG TO ME. 

XXXX XXXX XXXX XXXX-THE COLLECTION COMAPNY ORIGINAL CREDITOR-XXXX XXXX XXXX {$2500.00} REPORTED ON XXXX XXXX SUPPORTING DOCUMENTS WERE SENT FROM ORIGINAL CREDITOR ON XX/XX/20 THAT THE DEBT WAS NOT MINES AND I WANT EQUIFAX BURUEAU TO DELETE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX has continually called my family members, including my ex-mother-in-law ( have n't been in that family in over a decade ). Today, the company called two of my colleagues on their personal cell phones, one of whom has only been employed here for a month. I can understand reaching out to family members, but calling people with whom I work is inappropriate, embarrassing, and harassing.

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