BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-23
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2013 my daughter was XXXX and XXXX. She was the victim of a crime and Florida was and is supposed to pay this bill. I have been fighting this for 6 years and it is on my credit report. I have given all copies years ago to XXXX XXXX where she received counseling for XXXX. I did not know this was on my credit till this past month. I have tried to end this. Please tell me why I should have to pay for a XXXX kit and injury evaluation? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: RIA FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/18 i used XXXX XXXX XXXX to send an emergency money transfer from NY to GA to a family member when the recipient went to get the transfer @ the Ria Authorized Agent no body spoke english @ said location & recipient was unable to collect the transfer @ which time i called Ria to cancel said transaction and have gotten the run around ever since then making numerous calls to Ria to resolve and no resolution to this point. The amount sent was {$490.00} plus a transfer fee of {$9.00} making it {$500.00} total

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Experian Information Solutions Inc.
State: ME
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:
First off I am the victim of identity theft, someone used my info to open up a few accounts in my name sometime in XX/XX/XXXX - XX/XX/XXXX I realized this when I was denied a loan from my bank and the loan officer showed me my credit report last XX/XX/XXXX. 

I have tried my hardest to fix this without paying a service to help me, I want to buy land to build a house not get more monthly payments. 

Experian fraud depeartment misread my FTC ID theft report, and deleted the wrong account off of my report, well they also sent a block request to the other agencies, as well as sent a letter to XXXX XXXX who closed my account today because of Experian misreading dates, as well as amounts and just assumed it was the same thing. 

I have tried to contact them to fix this problem before XXXX XXXX closed my account today, and the fraud depeartment st experian admitted that there employee messed up and just assumed they where the same accounts but they are 100 % unwilling to help me fix there mistake and tell everyone that they sent false alerts to that they messed up and that the account is in fact mine. 

I just dont know what to do, now because of this mistake on there employees behalf, XXXX XXXX has closed my secured credit card account that was due for a unsecured review in literally 5 more days : -/ it's so wrong that there company can have the power to make XXXX XXXX close my account because they messed up, and the worst part is they sent XXXX XXXX the notice AFTER I talked to the rep so they are not doing anything to fix it : -/

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 2020-09-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Date : XX/XX/2020 Amounts : XXXX It's the annual fee, I agree with that. But the main thing is, I never agreed with over credit limit spending. It caused my credit score to significantly dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/2018 I attempted to change my income based repayment plan form a different IBR plan to RE-PAYE. I was told that I needed to submit an application to change my loan payment plan. During the process, I was told that My loan would be transferred to the standard 10 year repayment plan but in forbearance. I would then need to make a nominal payment, such as {$10.00} to cover the month on the standard payment plan. The following month, my loan would be transferred to the new plan and resume under the new RE-PAYE plan. They did say this would cost me one month of Public Service Loan Forgiveness as the month on the standard payment plan would not count. 

I submitted my application. When the loan was transferred to the standard payment plan, I made a payment of {$10.00} as instructed. I waited and it took 3 months to change payment plans costing me 3 months of Public service loan forgiveness eligibility. 

I submitted a new employment certification and on XX/XX/18 was told that I had made 44 qualifying payments. 

On my XX/XX/2018 statement. I received notice that my account was past due {$0.00}. This was surprising since my account has been on auto payment from the 2nd payment. I also noticed that my Public service loan forgiveness qualifying payments has been reduced to 34 on several of my loans. I called the XXXX number and the person on the phone ( id : XXXX ) told me that the {$10.00} payment while my loan was transitioning plans, was not applied to all loans properly and there was an outstanding balance of a few cents on a few of my loans. She stated that since there was an outstanding balance over the past few months, the payments I made would not count towards public service loan forgiveness. I explained that I followed all instructions given and she agreed that they misapplied my nominal payment. Additionally, no notice was given about this outstanding balance until XX/XX/2018. I started the payment plan change in XX/XX/XXXX. She said she would submit the account for review to get the {$.00} cents removed. I explained I was more worried about the public service loan forgiveness. She stated she wasn't sure what would happen with that. I asked how long it takes to have my account reviewed and she stated she did not know but it could take a few billing cycles. 

At this point, I feel I am being cheated out of qualifying payments towards public service loan forgiveness because of a clerical error. Additionally, I was not properly and timely noticed of a past due amount. Furthermore, I should not have 10 months of public service loan forgiveness retroactively taken away after it was already granted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
CAPITAL ONE AUTO FINANCE ACCOUNT # XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX Unfair and Deceptive Business Practices : XXXX   law Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) Remove this credit information from my report. This company made payment arrangement with me and at the same time maliciously contacted the repo company. The company then sold the car without allowing me to get my car back less than the amount of the remaining on the car. It was XX/XX/XXXX brand new purchased by me in XX/XX/XXXX. Capital one then decided to come after me for the {$7700.00}. I wrote them and I was asked to settle for {$990.00}. The bill of {$7700.00} was not mine. Capital One Auto should have sold the car for the amount that will not left a balance. Asking me to pay {$7700.00} after maliciously taking my car and left me with no car that made me to lose my job because I could not get to my job on time without a car. The {$7700.00} was placed in my credit reports as if the car has not been repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
While reviewing my credit history, I all of a sudden see that an XXXX credit card was opened by SYNCB. I have an XXXX XXXX account and have used for years, but never applied for the credit card. When checking out, I am always careful not to click the " apply for cc '' button. Called XXXX and they said it takes a lot more than just inadvertently clicking the wrong button ( e.g., you need to enter id and credit info to complete application ). I have never received a card in the mail. I have not account number. But my credit history shows a {$0.00} balance and that the card was opened fraudulently in XXXX XXXX 2016. There is also some hard credit inquiries effecting my score from this fraudulent activity. When I called XXXX, they say they know nothing about it and to call the bank. When I called the bank, they said they ca n't help me since I do n't know the account number. I never applied for this card. I was never physically sent the card. And I have no access to this account. It is impacting my credit score. Suspicious that SYNCB would open this without my consent just to boost their accounts/sales.

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 2019-05-23
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Most importantly Ive never had credit and someone is using my social security because I keep getting alerts about things that I have no idea whats it about. School loans are already closed and they still show on my credit report. There is a car company asking me for money I dont owe anyone anything so how does this reflect on my credit. They said they will fix the problems and nothing is happening. I need someone to look into this XXXX XXXX XXXX is more than 7 years old from CT and its still showing on my credit report. I full complaints and nothing is being handled. I mail letters and call the credit agency I ask for fraud alerts and nothing is being done. How can someone keep using my social security. Please contact me email. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: GA
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX  XXXX, XXXX XXXX   XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX 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 explanation
Consumer complaint received 2018-10-24
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a fraud claim in XX/XX/XXXX with navy federal it had been credited then reversed due to a fraudulent check. I did not know that charges where put on my card when I found out I disputed them. I have sent them proof of the charges not being done by me or any family member. Ive also sent proof that the information they had given me had been false yet Ive been ignored for months. I filed four complaints through the cfpb two were the same description one was different and the other was a completely different subject referencing a recant to my first statement due to an error on my behalf. All four responses from navy federal where the exact same despite the claims being different but all dismissed me. I was told I could contact the lead in security XXXX XXXX. I contacted him he said he would have my case looked at in detail especially my recant and proof sent and I would be contacted. I still months later have not been informed of anything. I was sent one letter I requested in XX/XX/XXXX that had false information on it and nothing else. They have not replaced my lost debit card. They will not close the account. And the only information I can get from them is them saying oh well dont know what to tell you. So pretty much doing nothing for there customers. Its been four months and over forty phone calls some lasting hours but still no correspondence. My access number is not active. I even had a insurance claim filed and a police report and after the research they conducted it was found to be a fraudulent charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: PNC Bank N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
i signed up for XXXX XXXX but they said they can not get my account approved by my bank, PNC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: HUNTINGTON NATIONAL BANK, THE
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My bank account was breached on XX/XX/XXXX to XX/XX/2022 Huntington is saying im responsible for purchases i never made a total of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2018, I submitted preliminary personal information to ONE MAIN FINANCIAL ( via their website ) for a pre-approval on a personal loan offer. When I did so, I was with the belief that the initial inquiry would only result in a " soft pull '' on my credit report. The lead ( page one ) of the ONE MAIN FINANCIAL website notes that the initial inquiry would not affect my credit score. 

However, the inquiry did in fact result in a " hard pull '' on my XXXX credit report, a mark that will remain on my report for two years. I did not authorize such a pull. 

I filed a complaint and spoke with a representative at ONE MAIN FINANCIAL. While the representative was professional and understanding, she was not able to get the " hard pull '' removed from my XXXX report. She stated that the bank 's tech team had determined that, having visited the ONE MAIN FINANCIAL site from a third party at one point during my extensive hunt for a personal loan, this third party ( XXXX XXXX ) bypassed any " soft pull '' inquiry that I had been informed of while I had investigated the ONE MAIN FINANCIAL main website page ( at a different, earlier time ). 

At no point did ONE MAIN FINANCIAL note that, by visiting their website via XXXX XXXX, I would be bypassing/declining a soft pull on my credit. 

The result is, quite simply, false and misleading advertising that has caused harm to my credit file. In fact, the ONE MAIN FINANCIAL representative said I was not the only person who had complained about this problem. Yet the bank has done nothing to correct the situation as of XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit report to see accounts that were fraudulent, and are reporting to my credit report as if they are mines. I reached out to XXXX, they placed a fraud alert on my report and stated that they would get them removed haven't seen any improvement, XXXX has inquiries and accounts that aren't mines as stated on my identity theft report like XXXX, XXXX XXXX, and XXXX XXXX, and 3 hard inquiries that I didn't inquire about. Experian has the same info reporting to their bureau as well.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX 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 explanation
Consumer complaint received 2018-10-24
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am showing on my credit report that an account was opened up on XX/XX/2018 for XXXX XXXX that I owe {$370.00}. I did not open any account on XX/XX/2018 and I need to have this removed from my credit report. I believe this is yet another account that may have been opened fraudulently due to identity theft because my information was expose in a data breach from 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 2017-06-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score. THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE. This is an ABUSE of the credit reporting system and is done in retaliation by XXXX to attack customers holding balances on their account. My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX agreed to remove a hard pull Inquiry from XX/XX/2018. They said they would remove from my credit file as I never requested any additional cards or signed any documents asking them to pull my account.

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 2018-10-24
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They then sent me a notice to reduce the debt I didn.t answer them and they have harassed me and the fact they don.t have the oringinal debt because it came from another debt collector that goes back to XXXX XXXX XXXX who the debt is owed to and the fact I paid XXXX  XXXX XXXX XXXX Dollars they don.t mention that at all.The collection agency that tried to get this debt Three years ago was XXXX XXXX XXXX located XXXX XXXX XXXX XXXX, NY XXXX Phone Number is XXXX There is a federal law about trying to collect a cell phone debt they have two years to get it and then they can.t collect it so the company in mention are in fact breaking the law you need to step in on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Radius Global Solutions LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance With the fair credit act Radius Global SOLUTIONS LLC has violated my rights. 

15 USC 1681 SECTION 602 I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT AN OPEN END CONSUMER CREDIT PLAN AS A LATE PAYMENT FOR ANY PURPOSE.

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