BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: MO
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:
There's an unknown account on my credit file inwhich I have absolutely any knowledge of, therefore I'm demanding that this account be removed immediately from my credit file. 

1 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
they are charging me interest outof this world and i told them i did not have XXXX $ after i only took out the loan for XXXX $ and paid them XXXX $ something like 5 times and i still owe more than the XXXX then they will not stop from hitting my bank account after i asked them too

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Please can you help with My problem with XXXX XXXX I turned in a lease early I leased the vehicle in XX/XX/XXXX and turned it back in XX/XX/XXXX I had put {$6500.00} down at the time of signing so when I turned the vehicle back in the dealer and XXXX XXXX told me I was in the green with early termination fees. From XX/XX/XXXX to XX/XX/XXXX on all 3 of my credit bureau reports showed XXXX balance for my XXXX XXXX account. In XX/XX/XXXX I hired a company to clean up my credit they disputed my XXXX account and they came back stating on all 3 of my credit bureau reports that I owe {$12000.00}. Then it was disputed again then on all 3 of my bureau reports {$5300.00}. As of today XXXX on all 3 of my reports says I have a past due balance of XXXX Ive talked to over 20 different people at XXXX XXXX   and get no answers they just transfer me from person to person and nobody I talk to has a clue on what is going on they all tell me different prices that I owe. I tried disputing it with all 3 bureaus and get no help with anyone. I do not know what to do I am so very frustrated with this I do not owe them any money and I do have credit reports post to XX/XX/XXXX showing that this account was a XXXX balance I can not even get a car loan because this in on my credit report please help me thank you Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Federal Stafford Loan application was applied XX/XX/08. I applied to XXXX University in XXXX XXXX, NJ. I withdraw from the school and never applied the loan to anything.Come to find out when I applied for a mortgage I have this showing on my credit report.I have contacted the school and they said they could not help me with the situation. Seems i was placed in collections with XXXX ( XXXX ). 
I am looking to purchase a home and will not qualify based on this incorrect debt. 
Please review.

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 2021-07-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries are not of my doing, nor was they authorized by me by any means, therefore they are fraudulent inquiries, so I'm demanding that these unauthorized inquiries are removed from my credit file. 


XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX  ( XXXX ) XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This has been a 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 explanation
Consumer complaint received 2021-05-08
Company: Lentegrity Management, LLC
State: NV
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:
Hello, in XX/XX/XXXX I began working at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I was hired by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

When I began working there I had a XXXX XXXX XXXX ( loan with XXXX XXXX XXXX XXXX ) and a XXXX XXXX XXXX ( loan with XXXX XXXX XXXX XXXX ). On XX/XX/XXXX, the dealership soul my XXXX XXXX XXXX on a consignment. 

On XX/XX/XXXX I traded in the XXXX for a XXXX XXXX XXXX. 

Both of my loans with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were not paid by the dealership causing a charge off on both the accounts. 

The XXXX XXXX I currently have a loan with Lentegrity is double financed with XXXX XXXX under XXXX XXXX XXXX XXXX 's wife XXXX XXXX at XXXXXX/XX/XXXX. 

I have been making monthly installments on the XXXX to Lentegrity but they are not making any progress on getting the title from XXXX XX/XX/XXXX. I originally notified Lentegrity about this title issue on XX/XX/XXXX. 

Today is XX/XX/XXXX, Lentegrity does not have a title and has repeatedly threatened to repo/charge off. Knowing the position I'm in leaves me no options to finance another car to get to and from work. 

Attached is a copy of my declaration with the law-firm Lentegrity hired.

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 explanation
Consumer complaint received 2018-11-25
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had signed up with American Express that had incentive for dollars spent that I will get Delta mileage units. After making several expenses using the card, I had accumulated enough points to book tickets for 2 from XXXX to XXXX on Friday XX/XX/XXXX on flights XXXX   XXXX from XXXX to XXXX and flight XXXX XXXX from XXXX to XXXX for 2 passengers. However, due to personal reasons, on XX/XX/XXXX, I went online to cancel my flights, but DELTA will apply {$150.00} for cancellation per ticket which I wasn't notified when I had booked the ticket several months ago. I had called the Delta rep addressing my issue, but in return they didn't take any action to provide excellent customer satisfaction to see how they can help me pay additional fees which I believe I should have not paid since they are my points and why do I need to pay back more money for points to go back in my account. They were not helpful at all and kept stating it was " according to Delta policies '' and I had mentioned about how XXXX doesn't charge for any cancellation they didn't even want to go above and beyond their competitor to retain customer satisfaction. I am very disappointed in Delta as they didn't clearly define their cancellation policies when I had booked the ticket. I found no value add at all talking to their representative as it was like talking to a robot who can't provide that customer excellence. With this event, I plan not to use American Express and Delta at all!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX notified my employeer I had an outstanding balance with them of {$19000.00}. I never put that much debt on this card. I have repeatedly asked for signed receipts showing these were my charges, which I never received. This erroneous claim cost me my security clearance, which in turn has cost me job opportunities and extensive decrease in income

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 2022-08-09
Company: Experian Information Solutions Inc.
State: IA
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

The payment history on this account XXXX XXXX XXXX XXXX  is completely inaccurate. Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.

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 2018-11-25
Company: National Credit Systems,Inc.
State: NC
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:
This is regarding an item included in move-out charges from XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX when I vacated the property on XX/XX/2015. 

Item in question is a charge for changing the carpet. When I left the apartment, the carpets in all rooms were in a normal condition without any visible damage. I lived in the apartment for one year and there was minimal usage. I contested the charge with XXXX XXXX   and asked them to prove the damage in the court. Instead of contacting me, they hired a collection agency " National Credit Systems , Inc., XXXX. XXXX XXXX, XXXX, GA XXXX '' and reported disputed transaction to all three major credit bureau. I noticed this when my credit report was pulled for a loan. I feel that reporting a disputed transaction to the credit bureaus is against the rules of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: EQUIFAX, 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:
The following accounts on my report does not belong to me nor has anyone provided me, not the reporting agencies, but me any sort of physical documentation to support their claim and without doing so it is against the law for the credit reporting agencies to report such. I need to be notified first and given documentation of what's been made as an allegation towards me .The following accounts I'm respectfully requesting that they be removed, Account 1 - XXXX XXXX XXXX ( XX/XX/2018 ), XXXX XXXX ( XX/XX/2018, and XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: BOVA Financial Group LLC
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing this complaint to report Bova Financial Company  that does business out of California. In XX/XX/XXXX I called to get a modification loan. I talked to XXXX XXXX ( the owner ) and had told her that we would probably not qualify due to our income, but she reassured me that she could help. The amount they wanted was {$5000.00} to work on the loan. I was very hesitant to pay upfront, but she said it was a win/win situation. I would get the money back in full if we did not like the offer. All we wanted was a lower interest rate and a lower payment. Trusting them, we sent in the money. I was working with XXXX XXXX   to whom only worked with me for a month. I had sent all important documents via email and did not hear from them for quite a while. Then i got a guy named XXXX XXXX  working on it for a very short time. I told XXXX  this was taking too long for a loan. Then another lady, XXXX XXXX, worked with me for about six months. Throughout all these agents I sepecifically said I did not want the amount of years to change on this loan and that i wanted the original loan, a lower mortgage payment, and a lower interest rate. All this time XXXX XXXX XXXX was calling me daily and XXXX  told me NOT to talk to them and that Bova was taking care of it. In all this wasted, stressful time XXXX   offered me a 4 month trial period of which XXXX XXXX  and XXXX XXXX   told me that this was my original loan that I owed 15 more years on and that it was 2 %. We agreed to the trial period thinking it was 2 %. When the trial was over, unbeknown to us, XX/XX/XXXX, the loan mod was a 40 year loan without a change on the mortgage interest. After all of this, I had continually asked for my money back. Then XXXX  assigned XXXX to do a refinance. She did not last long. XXXX  then refered me to a refinance company, XXXX. I could have already refinanced 2 years ago. It has been a nightmare to say the least, XX/XX/XXXX - XX/XX/XXXXand still not good offers. We are angry and we trusted the wrong company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: BARCLAYS BANK DELAWARE
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 XX/XX/XXXX, in response to a prior complaint, I was given a credit in the amount of {$410.00}, for unauthorized charges on a credit card account. However, the charges appeared on my account in XX/XX/XXXX and in XX/XX/XXXX. The charges accrued interest throughout the time the account was open. The XX/XX/XXXX charge would have accrued approximately {$120.00} in interest, and the XX/XX/XXXX charge would have accrued {$120.00} in interest throughout the life of the account. 
Furthermore, in the response I received, the past due balance on the account is {$1600.00}, however, in the statements that I was furnished by the representative, the final balance on the account was {$1500.00}. 
When the final statement balance of {$1500.00} is credited the {$410.00} and the approximate interest of XXXX, the balance would be {$860.00}. 
Also, due to the amount in dispute, and the interest charged, had it been applied to the account, would have been enough to cover monthly payments for the final 9 months that the account was open ( and prevent the subsequent 9 late fees ), I would also dispute the {$300.00} in late fees added to the account beginning in XX/XX/XXXX. 
Which would leave a balance on the account of {$550.00}, that I do not dispute, and would be willing to repay immediately. But I require the corrections made to my credit report to show the fact that this account is paid as agreed. 
Currently, the balance reported to XXXX  is {$1600.00} as of XX/XX/XXXX which your own statements prove is inaccurate. The balance being reported to XXXX  is {$1200.00} as of 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 2018-02-22
Company: CCS Financial Services, 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 disputed this many times before went to collection agency and bureaus. They have placed a fraud alert on account. I even sent a letter for them to send me a debt validation with the original contract and signature to state it belonged to me. Unable to provide me with the original contract with my signature and the company that they are saying I owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: I.C. System, 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 disputed this many times before went to collection agency and bureaus. They have placed a fraud alert on account. I even sent a letter for them to send me a debt validation with the original contract and signature to state it belonged to me. Unable to provide me with the original contract with my signature and the company that they are saying I owe.

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 2018-11-25
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
So I have been in touch with Navient for a month or so about my financial situation and my difficulty paying off my loan with the current monthly premium of {$390.00}, and they asked for paperwork that I provided them with. But they never lowered my premium. In fact, I received an email from them today asking for {$790.00}! That is the double the original amount, which I had a hard time paying. So instead of lowering my premium, they doubled it. So I believe they are overcharging. Then I realized that there are lawsuits against them regarding the same complaint. 

Meanwhile, I have applied for the PSLF program and got accepted, but that has not processed for some reason. Again, I read about the XXXX XXXX XXXX XXXX ' lawsuit. An organization that I am a member of. 

I have worked for governmental institutions part-time since XX/XX/2009, and full-time since this year. I love my work, and I love XXXX XXXX XXXX as a XXXX. It unreasonable and unethical for Navient to have me go through all this unnecessary and unjustified stress!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: NV
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:
XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation