BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-05
Company: Conduent Incorporated
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
XX/XX/22 & XX/XX/22 {$18.00} x 2 i talked to XXXX XXXX on XX/XX/22 they told me to contact way to go card to resolve the issue of me being charged double for the transaction so i called the disput department they put me threw to level 2 disput department when they couldnt resolve the issue i waited on hold for n hour then some1 spoke with me briefly before sending me through to the correct department they stated n no sooner then the next person picking up the phone 48 minutes later i informed them off the issue n they hung up on me n it was a process to even get the correct number to call for them i had to look up get human for the go program n yet 1 of the charges are still pending after all this time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company constantly call multiple times through out the day. They also make phone call before XXXX. This has been a constant problem

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 2018-01-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I called the phone number as listed on the credit report via Equifax for XXXX XXXX XXXX. After several phone calls that direct consumers to use the same number as listed on the credit report, I finally spoke to two separate agents who verified via my social security number that I did not have a credit card on file. I asked for a supervisor, I asked to be transferred, I even would ask for their names and they would rudely evade my questions and would hang up on me. The DLA on my account was XXXX. The account was paid and closed at store in Nevada on XXXX. 
Here is a copy and paste of what XXXX XXXX XXXX  denies over the phone exists and refuses to remove this information which hinders my ability to open a line of credit or get additional credit elsewhere. Dealing with their phone reps has been wasted time and an aggravation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX Date of Last Paymnt Scheduled Paymnt Amount Actual Paymnt Amount Amount Past Due Balance Amount Items As of Date Reported XXXX XXXX XXXX/XXXX/XXXX Date Closed Terms Duration Terms Frequency {$200.00} Credit Limit {$230.00} Date Opened High Credit {$0.00} XXXX XXXX Balloon Pay Amount Deferred Pay Start Date Balloon Pay Date Charge Off Amount Date Maj.

Del. 1st Rptd Date of Last Activity Activity Designator Creditor Classification 24 Paid and Closed Months Revd XXXX/XXXX/XXXX Date of 1st Delinquency Account Number Status Pays As Agreed ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Account Closed by Consumer ; Closed or Paid Account/XXXX Balance ;
Consumer complaint received 2022-02-05
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX posted this XXXX XXXX  collections for {$1000.00} to my credit reports. I immediately called them and eventually discovered they had the wrong person. They had SSN, residence address, contacts which were not associated with me. The address was in XXXX TX at an apartment. I have never been to, lived in, or been associated with XXXX TX. I disputed with all 3 bureaus and mailed back the affidavit sent by XXXX  validating I was not the account owner. By XX/XX/XXXX the collection was removed from all 3 bureaus. 

On XX/XX/XXXX MRS BPO posted this same collection to my credit reports. Clearly they purchased this debt from XXXX and either weren't provided the file showing I was not the person associated with this account or a they are purposefully ignoring it. 

I also see that either XXXX  or MRS BPO has updated my address history on my credit reports to include the debtors address in XXXX TX, despite the fact I have never been there or been associated with that address. 

Reading the numerous complaints against both of these companies, it seems it is a common tactic to use personal information gathered from affidavits swearing the debt does not belong to the person to, to update and manufacture evidence of attribution. The fact that there are thousands of complaints against these companies and yet there appears to be absolutely no punitive action is beyond absurd. 

My wife and I are trying to close on our first house, and this previously disposed invalid debt appearing the week of closing has jeopardized it not allowing us to close on the original contract. 

I request no more than the immediate removal for my credit reports as well as a side letter from BPO confirming they have updated the file for their own use and any future owner of this debt they may decide to pass this on to.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05
Company: Spring Oaks Capital, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern concern. 
I have been disputing a debt in the amount of {$560.00} that was never mine with a company called " SPRING OAKS CAPITAL LLC. '' Original creditor was " XXXX XXXX XXXX, '' which before they first contacted me I had never heard of. 
I have only ever received one phone call from them, and I have been asking for a verification letter, hard copy signature, and / or proof that it is my debt since XX/XX/XXXX. 
I resubmitted a dispute again on XX/XX/XXXX. I have not received one phone call or letter since that time. 
I have given them 60 days, which is 30 days longer than allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Diversified Consultants, Inc.
State: AE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I received a credit report notification from my XXXX credit monitoring account that a notice of collections had been filed on my credit report. My credit monitoring company states this collections notification was started on XX/XX/2019. I received no notification of any kind from the company named Diversified Consultants. I am an XXXX XXXX military member serving overseas. Diversified consultants claims XXXX XXXX XXXX is the company responsible. I verified with XXXX XXXX XXXX that my account had been closed and that my account balance was {$0.00} prior to my XXXX XXXX XXXX overseas move. Diversified consultants attempted to place another collections file on my credit report one year ago. I disputed this claim last year and the claim was removed from my credit report. Now there is another collections notice from the same company for the same reason one year later. This account was closed in good standing and has already been removed from my credit report previously. There is no basis whatsoever for this collections report. I have never missed a credit payment in the history of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: MI
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:
I have contacted the reporting agencies for over a year now trying to fix my credit profile I see that my personal information is incorrect. Also there are accounts that have discrepancies with the other credit reporting agencies. I feel my letters just get ignored when i ask for help regarding these issues

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 2018-01-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX XXXX I got a mortgage with Wells Fargo. This was paid off and refinanced in XXXX XXXX, with Wells Fargo. 

Wells Fargo did not send a lien release and the paid in full note to me nor did they file with my county and my state that had paid them to do. 

Rather they filed a second lien against my home in XXXX XXXX, Wells Fargo solicited me in XXXX, I did not contact them they contacted me, saying they could modify this loan for free. However this was not what happened they created a brand new Loan without releasing the other Loan or returning to me or my County the Satisfaction of mortgage on this second Loan, little did I know then they were collecting {$1600.00} per Mortgage for helping people who needed help. In fact what they were really doing was solicting their Best Customers who really did not need this at all, I feel sad about that. 

They refiled a third mortgage and lien against my home, without releasing the other two liens or  returning the notes to me indicating that they had been paid in full. Plus the last mortgage they lied about the terms of this Loan While my note Stated it would go up a maximum of 2 % points each year after the initial 7 years the document they sent said it would go up 5 % points. 

In addition I had a Home Equity line of credit that was paid in full and closed no lien release for that either. 

They have been messing me around since XXXX reporting I had not made my XXXX XXXX mortgage payment to the Credit Bureaus, even thought all the paperwork was submitted to prove this was indeed not factual, they sent me three letters wriggling out of fixing it, and every letter contradicted the last letter. 

Now because of these problems and experiences with Wells Fargo, I have paid off all Loans in full, this was done in 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 explanation
Consumer complaint received 2017-07-26
Company: Navient Solutions, LLC.
State: NJ
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:
In 1999, we consolidated several student loans with Navient. The TOTAL principal was {$70000.00}. In our application, we applied for a " level payment plan '' and the disclosure statement promised : {$70000.00} in principal to be repaid, and {$50000.00} in interest payments, for a total repayment of {$120000.00}. The term was 180 months or 15 years. All of those documents are attached. Now, we are more than 18 years later and we have paid {$100000.00} in interest ( more than TWICE the disclosure form ) and STILL have a principal balance of {$61000.00}. Meaning, in 18+ years, we have paid {$100000.00} and only reduced the principal by {$9000.00}. As opposed to 15 years total, and {$50000.00} in interest. Navient claims that we entered into a " voluntary forbearance program '' for 24 months and a " graduated repayment plan '' for 6 years. Yet, they did not provide a single document that shows we entered into either program AND THEY DID NOT PROVIDE any disclosures from Navient that updates the disclosures required by law. indeed, the programs they describe STILL do not permit a 19 year plan in which we pay double interest with only a {$9000.00} reduction in principal. If Navient is to be believed, we will be paying off this loan for 200 more years. importantly, while we did sign a promissory note, NOTHING in any disclosures, contracts, applications or agreements from Navient describe a 200 year ( or even a 19 year ) repayment plan, with {$100000.00} in interest against a {$9000.00} principal reduction. I am giving Navient one last chance to resolve this with a substantial principal reduction ( of at least 50 % ) or we will be filing a class action lawsuit. I truly hope this wont be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: KEYCORP
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
In XXXX 2004, I arrived at XXXX XXXX as a new incoming freshman. As part of our orientation, we were herded into a meeting with Key Bank and financial aid to sign master promissory notes. It was presented to us as being perfectly normal, and my father ( who is the responsible party here, I was XXXX at the time ) took them at their word as well. <P/>Following this first semeester, I was later told by financial aid that there was no point in even filing a FAFSA, as my father 's income ( in excess of $ 120k ) basically disqualified me from any aid at all anyway. This unfortunately included federal loans, so all of my expenses were instead put on private loans from Key. <P/>After my second year, this suddenly stopped. I was refused additional loans, and I later learned that Key Bank was selling off my existing debt and may be folding entirely. I instead had to get private loans through XXXX XXXX, now serviced by XXXX. The original Key Loans are now handled by XXXX XXXX, while my scattered federal loans ( regained near the end of my XXXX and also accumulated during XXXX XXXX ) were consolidated and now serviced by XXXX. <P/>
Now here 's my problem : Each of these three loan servicers basically says, " You can reasonably afford this much payment. '' And they 're correct. However, all three of them say this, and all three do not care that I am basically being asked to pay 3x what they all agree is reasonable. <P/>This is directly due to two factors which I wish to lodge a complaint about : 1 ) I was presented with no options as an incoming freshman. I was not appropriately counseled by the financial aid office, and my guardian responsible for me neglected his responsibility to diligently follow up on this. By the time I was no longer a dependent and learned to handle these matters for myself, it was too late. Everything was already in motion and even correcting the problem ( borrowing correctly moving forward ) led to this final configuration. <P/>2 ) Due to the disgustingly protective rules governing student loans, I seemingly have no rights to manage this debt. I 'm not even asking that the debt be erased due to the incredibly shady way Key Bank secured the business of a good chunk of my incoming class ( I can only assume they paid for the privilege of being present during orientation to prey on the new, unaware students and parents ... ),  though that would be really nice. I just want to be able to consolidate this debt with my federal loans to get them into a single account with a single servicer with a reasonable interest rate. I WANT to pay this debt back, but I need the tools to manage it, afforded to every other class of debt, but to which student loans seem to be the sole exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: NAVY FEDERAL CREDIT UNION
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 made a dispute against XXXX ( moving and storage company ) for overcharging me and just charging my card without my consent, roughly {$6200.00} with Navy Federal Credit Union. XXXX had my credit card on file and would just charge it what ever they wanted to. They had all my worldly possessions in a XXXX unit so I couldn't cancel the credit card or they wouldn't give me my stuff back. The charges do not match the quote I was given by XXXX 
Last week the dispute was dropped by my bank Navy Federal and I was told XXXX produced documents proving I signed for the services so I asked for copies of the documents my bank was sent from XXXX I was sent via secure messaging a contract XXXX sent the bank. The problem is this contract is not singed by anyone and the bank accepted this as evidence that I agreed to the charges. A couple of days ago, per the fraud department customer service rep I asked to reopen this dispute and asked for an appeal because he even said this look fishy and I was sent a secure message by the bank refusing to reopen the case or appeal it. This is why I'm filing this 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 2019-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. A police report has been reported, as wel as, I've contacted the FTC! I've contacted you all previously and these items still need to be deleted from my credit report XXXX, US Dept ED, DeptedXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that don't have a name but the account number is 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 2017-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XXXX/XXXX/17 I payed on XXXX {$1000.00} for 3 rooms for a 2 night stay at a 4 star hotel on the XXXX XXXX strip. I purchased it through XXXX XXXX " hotel express deal. '' The name and location of the hotel is not advertised but the star rating and amenities are supposedly guaranteed. I was assigned the XXXX XXXX XXXX and XXXX which is not located on the strip and lacks the amenities typical of a 4 start hotel in XXXX XXXX. There is no resort, only a small pool. The hotel is not located on the strip. I immediately contacted XXXX to cancel the reservation as it did not meet the expectations based on their advertisement. They refused to cancel. I contacted Capital One and went through their dispute. I gathered pictures and reviews from several websites and submitted those to capital one. The reviews confirmed the lack of amenities and the location of the hotel not being on the strip. There are many people that have been assigned this hotel through that deal, which in my point of view seems like a bait and switch tactic, promising 4 star hotel on the strip and instead getting a hotel 30 minutes walking distance from the strip, that caters only to XXXX tourists and lacks the amenities of a 4 star hotel. Capital one did initally credit me back the disputed charge but XXXX did a chargeback. I again disputed the charge along with supporting documents of reviews and pictures of the hotel, in XXXX but was again charged back. After they reviewed my documents they requested additional documentation, a second opinion on the rating of the hotel by a XXXX peer, which I was unable to provide in the allowed time, about 10 days. They have now closed the case and expect me to pay the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Social Finance, Inc.
State: DE
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:
As of XX/XX/2019 So Fi Lending has reported that I have an open account and that I owe {$41000.00} and this has been included in my bankruptcy and has not been showing up since my bankruptcy. Now all of sudden it shows up and lowers my credit score after 2 years. When I contacted the company they gave me another company 's name of XXXX and said that they purchased it just to hold on to the account, which doesn't make sense after a discharge. But still SoFi couldn't tell me why this is showing as an open account and that I am behind on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Experian Information Solutions Inc.
State: NY
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 theft

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 2018-01-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There is an account reporting on my credit report that i have requested to be deleted by the XXXX XXXX XXXX in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. Please see attached creditor response.

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