BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: AMERICAN EXPRESS COMPANY
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
I have an Amex card and it is showing that I overpaid by - {$4300.00} in my 2022 yearly summary. In each monthly statement, it also shows that I have nearly always made my payments. Yet, the payment shows I owe {$3900.00}. But I have a credit in my yearly summary for 2022. The credited amount was not applied to my payments and what I owe and I was never informed about it. When I asked customer service and talked to a manager, they insisted the balance is correct. Yet, they did not answer what can be done with a credited amount -where I overpaid. They said that the balance is right and that I still need to make my payment on XX/XX/XXXX. Even when I overpaid in 2022 over {$4000.00}! Amex has duplicitous practices. This should be unlawful - first making people overpay and not informing them about it and then still asking for more payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I had a debt collector call my boyfriend and give him information about my account. When I called them and asked why they said that he told them that he was me. I am female he is made. This debt is over 14 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I am nearing the end of the lease agreement of a XXXX XXXX XXXX that I leased in XX/XX/XXXX. The payoff sum is in estimated to be about 11,919. Financing will not be a problem. In order to obtain the proper financing, a vehicle buyout agreement will have to be obtained from XXXX XXXX XXXX ( XXXX ). Upon speaking to XXXX XXXX XXXX representatives, they claim they will send the requested documentation and then don't. This had been on going since early XX/XX/XXXX. Attempts were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

AllI I have received is lip service. This unfair tactic effectively ties me to the existing interest rates with XXXX holding the process hostage. I am entitled to payoff this debt at my own will using my own creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many inaccuracies reporting on my report that Experian has done nothing about. There are accounts open and negative reporting that are linked to an address that I do not live at and even though the proof of documents I have sent in they still refuse to do anything about it and they ignored me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
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:
XX/XX/ 2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for another XXXX XXXX as I already have an account. 
I was told this inquiry would be removed and still hasn't since It was fraud of someone trying to open an account in my name. 
transunion and XXXX were also gon na remove it but still have yet to do so.

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 2019-01-16
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I signed up for an income driven repayment plan in order to qualify for the public service loan forgiveness program. This year when i filled out my annual certification i was told that my payment would be raising 44 %, when i did not experience a corresponding raise in my income of that magnitude. I called on XX/XX/XXXX, and spoke to a representative who confirmed that the payment amount seemed too high. She told me that she would send through the paperwork again to have it reviewed. On XX/XX/XXXX, I called back as I had not heard from my student loan servicer ( XXXX XXXX   ). I talked to a representative who said that what the first representative told me was incorrect and I would actually have to fill out a form and submit it for reapplication. While I was going through this process of reapplying I noticed that I had been set up for the Income Based Repayment Plan and not the PAYE or REPAYE payment plan. When I had initially set up my payment plan I feel I was given false information and that I was pushed to sign up for the Income Based Repayment Plan ( which has a higher monthly payment ) vs the PAYE or REPAYE payment option. I wasn't even made aware of the PAYE or REPAYE option even though I specifically asked to be put on the lower monthly payment plan. Over the course of 10 years, being on the IBR payment plan vs the PAYE/REPAYE plan would have cost me roughly {$50000.00} extra dollars. I believe that I was purposefully misled in order for the student loan servicer to collect more money from me and that I was taken advantage of because I am a young woman who happens to be a recent graduate with little knowledge of my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I made a report about XXXX XXXX yesterday, and today the credit union got back to me, please consider this case with XXXX XXXX  closed.

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 2019-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I made a report about XXXX XXXX yesterday, and today the credit union got back to me, please consider this case with XXXX XXXX closed.

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 2019-01-16
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:
TransUnion is not reporting the Date of First Delinquency associated with an account on my report. 

This account is more than 8 years old, and it has already been settled. This is a blatant attempt by the creditor/ debt collector ( THE BUREAUS ) to Re-Age this account. 

I first contacted TransUnion regarding this matter by mail on XX/XX/2018. Despite further contacting TransUnion, as well as the creditor on numerous occasions, both in writing and by telephone, neither have provided a Date of First Delinquency as required. Had TransUnion conducted a proper investigation of this matter, it would come to light that this account is 1 ) over 7 years old ; and 2 ) has been closed/ settled with the original creditor. 

This matter is a case of a creditor 's shameless attempting to Re-Age a debt which is time-barred for reporting under the statute of limitations.

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 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankrupcty on my credit report is illegal and damaging to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: ECMC GROUP, 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: Information belongs to someone else

Complaint:
Ecmc has reported a 2013 collection that doesn't belong to me and has not been validated

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 2021-06-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX my mother XXXX XXXX XXXX, who had power of attorney at the time ) contacted XXXX to request a forebearance. This was right when COVID was beginning. They told her that my loan wouldnt even be able to go into forebearance until the loan was brought current, and furthermore that this would prevent any missed payments as being reported delinquent. So she brought my payment current by liquidating my 401k and paying XXXX and XX/XX/XXXX. There was NEVER any mention of any more payments to facilitate this process. It took XXXX until the end of XXXX to put my loan into forebearance with absolutely NO correspondence about any sort of extra payment. When she applied all they told her in XX/XX/XXXX was to make those payments and wait for the application to be processed. So I come to find out a couple of months ago that this entire time my loan has been in forebearance due to COVID ( still currently in forebearance ) that they have reported EVERY SINGLE PAYMENT as delinquent ; THIS HAS DESTROYED my credit score. I have been in contact with them several times since I found this out and keep getting empty promises as to it being resolved in the next few business days ; on every call. I have escalated it, and escalated it, and made notations on the account, even offered to pay the missed month to clear this up and delete the delinquent payments off of my report. In the most recent call, they told me it would be resolved by today, yet I have not received an email or phone call. What happened, so they say, is that since the XX/XX/XXXX payment was not completed when it went into forebearance, which made my loan payments not current. Again, my mother did everything they told her to by bringing it current, per their directions, by paying XXXX and XX/XX/XXXX in XX/XX/XXXX, and it was their negligence that made the missed payment in XXXX by not only taking so long to process the plan but not informing anyone that they needed payment for XX/XX/XXXX as well. The application was in as of XXXX and it took them until XXXX to process it with NO mention of any extra payment. My mother is retired and well established and will testify to this in any legal format deemed necessary. XXXX should also have phone records, so they say, as they always use a recorded line. Please help. I have done everything I can and they seem like they are just trying to bury this and destroy my financial future for years to come. We did everything they told us to do and now my credit score is a 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 2019-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I looked at my paid XXXX subscription today and I notice that a closed collection account that was once posting a {$970.00} dollar balance currently shows {$3800.00} due and a 514 % credit utilization SUDDENLY. This account has been closed for years and is currently in dispute. I will include a copy of the letter upon which they have been sent. I recently paid off {$330.00} on my past due XXXX and I had an 11 % utilization yesterday. I need to get a new vehicle and other things and these erroneous and fraudulent reporting schemes used by these companies are making it very hard for me to get my life off of the ground. What on earth could I possibly have done to ever owe someone {$3800.00} when I have never even had a credit card that would give me that much money to get into that much debt with. Please do something about this non-sensical reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: EQUIFAX, INC.
State: UT
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 submitted numerous complaints about my accounts being inaccurate but they tell me they received accurate information that I'm responsible for these accounts but didn't furnish me with any documentation I'm responsible. I'm requesting all three bureaus show me proof of ownership to these accounts. Disputed these accounts last year of XX/XX/2018. These accounts are, XXXX  XXXX account # XXXX XXXX  & Equifax # XXXX XXXX   XXXX XXXX account # XXXX Equifax & XXXX & XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I first contacted XXXX  and TransUnion in XX/XX/XXXX to let them know there were accounts on my credit report being reported by XXXX that did not belong to me. I asked XXXX   and TransUnion to validate the information with XXXX and provide me with any documentation connected with the accounts. XXXX and TransUnion did not validate the alleged accounts which are showing on my credit report. XXXX and TransUnion repeatedly claimed that they verified that 11 Student Loan accounts in the amounts of {$29000.00} ; {$21000.00} ; {$6200.00} ; {$4000.00} ; {$21000.00} ; {$16000.00} ; {$16000.00} ; {$12000.00} ; {$10000.00} ; {$13000.00} ; {$15000.00} were opened under my social security number in XX/XX/XXXX and that the first delinquency of these accounts took place in XX/XX/XXXX. There are a few issues wrong here and very concerning. First, ALL OF THESE accounts were allegedly opened in XX/XX/XXXX. I did not attend school in XX/XX/XXXX ; Second, the first delinquency of all of these accounts took place in XX/XX/XXXX, which is BEFORE the date I supposedly opened these accounts. AND finally, all of these accounts are showing as paid but yet open accounts on my credit report. I have requested that XXXX  and TransUnion provide me with signed documents bearing my signature, showing that I had a binding contract with XXXX for the 11 Student Loan accounts they are reporting on my credit report. I also requested that XXXX   and TransUnion delete the XXXX line items from my credit report. XXXX has not fulfilled this request but instead lowered my score by 18 points for these alleged accounts, TransUnion also has not fulfilled this request. XXXX and TransUnion unwillingness to actually validate this information with XXXX is damaging my credit. My next course of action will be to file civil lawsuits against XXXX, TransUnion 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 2018-05-22
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They open another collection of {$1300.00} from me last XXXX XXXX2021 which is not part of my bill and I did not file any financial help from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I returned the XXXX XXXX items in their self shipping label and they are trying to collect for items that I returned. If they just go check their XXXX for the tracking number, they could prove that I sent it in. XXXX XXXX refuses to talk to me and says that I need to speak with Diversified. Diversified says I need to speak with XXXX, so they just keep pointing the fingers at each other and nobody wants to do anything. If they simply check on the tracking number, they will find that it was returned and this debt does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About XXXX months ago, I was in the process of purchasing an automobile and up pops this collection account on my credit report. Because I was denied the car loan, I immediately contacted my Attorney to explain to him what happened and he told me to contact Consumer Finance. Gov. to file a complaint. This is not my debt and if it's not removed immediately, my Attorney and I are prepared to file a Law Suit. At this point, much damage has been done but we just want this removed/deleted immediately!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
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: Account information incorrect

Complaint:
I looked at my paid Experian subscription today and I notice that a closed collection account that was once posting a {$970.00} dollar balance currently shows {$3800.00} due and a 514 % credit utilization SUDDENLY. This account has been closed for years and is currently in dispute. I will include a copy of the letter upon which they have been sent. I recently paid off {$330.00} on my past due XXXX and I had an 11 % utilization yesterday. I need to get a new vehicle and other things and these erroneous and fraudulent reporting schemes used by these companies are making it very hard for me to get my life off of the ground. What on earth could I possibly have done to ever owe someone {$3800.00} when I have never even had a credit card that would give me that much money to get into that much debt with. Please do something about this non-sensical 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 2019-01-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was assured by the dealership salesman verbally that two monthly promotions would be applied to the price of the vehicle. I was lured in by the discount but it was subsequently not applied in the sales documents and when I asked about it before completing all signatures on the loan, I was once more verbally assured that it was applied. Upon looking at my forms AFTER signing, I was told that I had already signed the forms and there was nothing to be done. I bought the vehicle ABOVE the MSRP that even Toyota corporation listed. Toyota listed MSRP at {$41000.00} and the dealership sold it to me at {$45000.00}. ( This before taxes, fees, etc which brought loan to {$56000.00}. ) I have been trying to reach dealership personnel in person, phone and email and they do not respond.

Company response to consumer: Closed with explanation