BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-20
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX  sent notice of Debt owed I called this company about the Debt to see what it was this was the first contact ever made by this company. This is a debt for XXXX XXXX. The original amount was owed in XXXX the first contact I received was on XX/XX/XXXX How can they collect this after 6 years and this is the first I am aware that it was even owed to them. The amount owed is XXXX they want to settle for XXXX I don't feel I owe this since they have never tried to collect this before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
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: Their investigation did not fix an error on your report

Complaint:
I have an account with XXXX XXXX XXXX XXXX partial account number XXXX. This car was totaled on XXXX. I have GAP insurance on the car covering any difference between the total appraisal and balance owing. Because of the delay in processing this payoff, the account is showing a 30 day delinquency for XXXX. 

The GAP agreement provides that the total balance due at the time the vehicle is totaled is what is covered. 

I disputed this with the three credit bureaus to have this late payment removed in that it is not my fault and completely the liability of the lender and their processing of paperwork.

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 2018-02-20
Company: College Foundation, Inc.
State: NC
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:
The company is reporting adverse information to the credit reporting agencies ( XXXX, XXXX, XXXX XXXX XXXX. I send the company a dispute letter asking for proof of the adverse information they are reporting to the credit bureaus. The company provided a generic letter stating they are not able to change the delinquent ratings reported to the credit bureaus. The company did not provide any proof for the adverse information that they are reporting. I have disputed this issue several times with the credit reporting agencies ; and they claim they verified the information as accurate. The credit reporting agencies is verifying the information through there XXXX system with a code ( a electronic third party data base ) and not doing a reasonable investigation as stated in the Fair Credit Reporting Act. The company is responding to the credit reporting agencies with an XXXX code. The credit reporting agencies can not verified 100 percent of the information as accurate without any documentation or proof.

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 2018-07-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I opened a line of home equity credit with Wells Fargo. 
My borrowed amount is approx, 13,000..they have added XXXX overdraft protextion. 
I now owe XXXX I want to pay off the loan and I feel the final payment is extortion. 
I was never explained the over draft policy. Wells fargo has opened up an a second checking with out my consent.. They withdraw XXXX and add it to the bill..please help 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 2018-07-05
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
As mentioned in the previous complaint filed with you, complaint number XXXX filed on XX/XX/XXXX, Navient has been mishandling my loan. They did adjust my loan a tiny amount but it is still extremely incorrect. Most of the payments made since XXXX have zero applied to principle. They have applied all to interest. After my last complaint, it was adjusted slightly, so random payments show different amounts applied to principle. It was not every payment and not consistent. I have paid massive interest on this account and if navient has its way I will be paying until the day I die. I am attaching the most recent copy of my loans from their website so you can see this craziness. Also, I was charged interest for the years my loan was in chapter XXXX bankruptcy. I did supply proof to the company that my student loans were included in this bankrupcty. I was to pay the courts directly from payroll deduction each month and they distributed funds. On my records from the courts XXXX would be paid to student loans. My case was converted to chapter XXXX in XXXX when my husband was not working. I appreciate you help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TD BANK US HOLDING COMPANY
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:
I seen a lot of inquiries on my credit report that I dont give any company right to run my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
HSBC BANK USA N.A. CUSTOMER CORRESPONDENCE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CHARGE ON CREDIT CARD FOR {$24.00}. WAS AN CHARGE I DID NOT MAKE. IT WAS A PURCHASE THAT WAS MADE FRADULENTLY. LAST 4 OF CARD NUMBER WAS XXXX. THE CHARGE WAS NOT MADE BY ME. I CALLED THE COMPANY AND ADVISED AND THEY CANCELLED THE CARD AND ISSUED A NEW CARD. I DISPUTED THIS AND THEN THE COMPANY CAME BACK AND SAID I STILL HAVE TO PAY IT. EVEN THOUGH IT WAS FRAUDULENT. THE COMPANY GOT BACK TO ME ON XX/XX/2021 AGAIN THIS CHARGE WAS NOT MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: BARCLAYS BANK DELAWARE
State: NY
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 am researching a potential class action lawsuit against Barclays Bank Delaware involving Fraud, Unjust Enrichment, NY GBS 349 Deceptive Business Practices, and several other federal statutory claims. Please help me obtain the contact information of Barclays ' regulator. I would like to confirm some information with their regulator.

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 monetary relief
Consumer complaint received 2019-04-26
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A payment was made before the due date. I used XXXX. they said the payment should be received on XX/XX/2019 they still have not posted the payment to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Navient Solutions, LLC.
State: CA
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'm unable to remember the dates at this time but my issue is regarding the customer service of the Navient company. I saw a law suit due to the same issues I was having and I wanted to make sure I'm included in the class action. I had a 10 year repayment plan on my loans. During the first few years I called them and changed my payment to a higher amount ( because I was able to pay more ). When the time came that I couldn't pay the high payment anymore, I called them trying to lower it back to the approved minimum payment but they refused saying I don't have the right to lower my payment. The folks I spoke to ( and their supervisors ) seem to not understand my rights or even maintain basic math skills. It was a very frustrating period of time and I refinanced to use a different company but my wife is still stuck with them and we're trying to finish her debt so we don't have to deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Experian Information Solutions Inc.
State: AL
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, I began to dispute accounts on my credit report as included in my Chapter XXXX. Most of my accounts were updated properly however, I continued to have a few accounts that were not corrected. One account, in particular, would not update correctly as included in bankruptcy. It continued to update as a collection account after filing bankruptcy. I filed Chapter XXXX on XX/XX/XXXX. As of today, XXXX XXXX is included in the bankruptcy and the account is closed. However the reporting is still incorrect, the date on the report reflects as a recent status update and is incorrect. All of my other tradelines are reporting correctly and the activity date never changed but this one did and is report erroneous. Please change the activity date back to the original date of bankruptcy filing. The date on my report is incorrect as it was not a collection account at the time of that update.

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 2021-02-09
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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY 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 2018-07-05
Company: Ameritech Financial
State: KY
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:
I received info about XXXX XXXX XXXX XXXX as an option to help me lower my monthly payments on my loans. I contacted them and they were very friendly and helpful and I have been utilizing them for four years now. Then my husband graduated and I told him to do the same because it was great. So he did, but this time they were calling themselves Ameritech. Still very nice and very helpful and although that seemed weird we went with it. Then two days ago we received a letter from the United States of America Federal Trade Commission advising us that Ameritech was being sued for deceptive practices and that we should look into our services. I contacted my lender to learn that I was on a $ XXXX  monthly payment due to a family size of XXXX. That is much larger than my family is. I did not understand that is how my monthly payment was so low. I paid them {$49.00} each month for four years in addition to initially paying them {$1200.00} over four payments to initialize the program. So for four years I have had a " {$0.00} '' payment and paying them each month, all the while my interest has been sky rocketing on my student loan. My husband pays them {$74.00} each month for a " {$0.00} '' monthly payment. I feel so ignorant now that I didn't see this as deceiving until we called to check in with our lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2018-02-20
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:
Around XX/XX/XXXX, I obtained a car from a buy here pay here lot named XXXX XXXX XXXX XXXX   in XXXX, FL. Which was my second vehicle through this company. I used them this time and the prior time because I didn't have the credit score needed to purchase at a normal car lot. So, I was referred to them by XXXX XXXX XXXX because was told that XXXX XXXX didn't base approval off of your credit score and the downside was they also didn't report payments made to your credit report. So I wouldn't see the benefit on my credit by buying a car through them but it would help me get a car that I desperately needed. So it was my understanding both times that I was approved based off of my income and employment history alone. The first car was totaled in a car accident and was paid off by my insurance company. This car was never reported in any kind of way to my credit report. The second car I returned in XX/XX/XXXX due to a very nasty divorce. My ex-husband had knowledge of the vehicle I was driving and it was in the best interest of my children to return the vehicle and he also had possession of the vehicle and would not return it to me. My ex-husband contacted XXXX XXXX and had them retrieve the vehicle from his work without my permission. I never received a call or letter from XXXX XXXX to make any kind of arrangements to get the car back or that I owed any kind of balance. I didn't even change my phone number until months later and my address change was completed with the post office immediately after me moving, so if letter sent it would of forwarded to my new address. Then this month XX/XX/XXXX almost one year since returning the vehicle they posted a negative closed account on my credit. How can they now report to my credit before 1 ) providing me with a statement showing the balance after sell of the vehicle 2 ) report after they never reported payments of information with either vehicle prior to this date 3 ) report a loan that was not based on my credit to begin with 4 ) never providing me with a notice of balance due and giving required dates to dispute the item or make payment arrangements before placing on my credit? 

I contacted them on XX/XX/XXXX and asked how this item was on my report and they stated they just began reporting to credit agencies recently. So how can the report accounts that are old and before this new process? I also asked for information on how I owed the amount on my credit and was informed that she thinks it was sold and that the company wrote off the balance years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
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: Account status incorrect

Complaint:
a collection account named XXXX XXXX XXXX is showing on my credit report with a balance due. This account was discharged through Chapter XXXX bankruptcy.

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 2021-02-09
Company: U.S. BANCORP
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 status incorrect

Complaint:
We refinanced our US BANK mortgage with another bank, and U.S Bank has not reported accurately to all 3 credit bureaus. Both our mortgage and heloc accounts are still showing up as " open '' even though we refinanced almost 2 moths ago. 

I called U.S Bank to inquire when they would report and they told me the XXXX of every month. Today is the XXXX and the only credit bureau they reported to was XXXX. XXXX and XXXX are still showing US BANK accounts as " open ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loan Care has sent me 3 letters stating that I am in default and am going to loose my house. They sent me the first letter on XX/XX/XXXX. They sent another letter on XX/XX/XXXX. They then sent another letter on XXXX. This is now harassment. I have payment receipts from them for the month of XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX and so on. I can also show where the check cleared my bank. The check for the month of XXXX was put in the mail on XXXX, XXXX so I am not behind on any payments. This is causing me unmeasurable anxiety, I am scared someone is going to show up and kick me out of my house. It's giving me hives and making me loose sleep. I need this taken care of ASAP the emotional distress it is causing me is taking a toll on my daily life.

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 2021-02-23
Company: OPORTUN FINANCIAL CORPORATION
State: CA
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX ( AKA ) XXXX XXXX is inaccurately report a loan # XXXX as " Derogatory '', " Payment Plan '', and " Included in Chapter XXXX ''. This is absolutely false. The loan of {$350000.00} was originated with XXXX XXXX on XX/XX/XXXX and transferred to XXXX loan # XXXX on XX/XX/XXXX. 

My Chapter XXXX was not filed until XX/XX/XXXX. 

XXXX had been paid a year before the Chapter XXXX as the mortgage loan was transferred to XXXX. XXXX had nothing to do with the Chapter XXXX, yet the company continues to falsely report inaccuracies and impinge on my credit. 

I completed my Chapter XXXX in 2 1/2 years on XX/XX/XXXX and paid all my creditor 's claims in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Bepensa Capital, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This corporation is harassing me by attempting to collect an assumed alleged debt ( that is not mine ) constantly reporting on my consumer reports, without my written permission and no consent ... which is classified as identity theft by law. They are violating my rights as I am a federally protected consumer and I have sent many request for this abuse to stop. They are refusing to remove these inaccuracies from my consumer reports since I have requested this to stop as well, many times, more than once since XX/XX/2020. I still believe this is a violation and unfair act that " Credito Real USA finance '' is committing against me.

Company response to consumer: Closed with explanation