BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act, Attorney General Child Support account  # XXXX, Attorney General Child Support account  # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 



15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-12-30
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Spring oaks capital sent a debt collection letter to my parents home I do not live there and never gave this address

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 incorrectly reporting me as an Authorized User on the XXXX account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX  however, Transunion has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

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 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XX/XX/XXXX, I paid XXXX a collection agency to be removed from three co signed XXXX XXXX loans. In XX/XX/XXXX, the loans were still on my credit reports. I disputed with all three credit bureaus and XXXX XXXX. XXXX said I had a XXXX   balance, and I was not attached. All three credit bureaus said that XXXX told them the account was charged off/ and I still owed a balance. In XX/XX/XXXX, my lawyer was contacted by a collection agency trying to get the money again. In the years XX/XX/XXXX-XX/XX/XXXX, I have been denied credit because of this and as one bank personnel stated, This is the only negative thing in you report, it seems uncharacteristic based on your report. So finally I disputed it again. Now my credit reports have added the interest on the loan and my loans state that they are still currently charged off and I owe even more interest. My credit report score went down for the dispute.

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 2019-08-13
Company: Nelnet, Inc.
State: MI
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 work with Nelnet a Deptarment of Education assigned student loan servicer. I am currently on the standard 10 year term repayment plan. I made my first student loan payment to Nelnet on XXXX of this year. After making the payment I set up an auto payment to make payments from XXXX on. The reason for this autopay set up, was due to the fact that it reduced the rate on my loans by .25 %. On XX/XX/10 ( which would have been my first payment date ) the servicer pulled my payment for XXXX again. After calling the servicer requesting that they return my funds they said that they could not return the payment and those funds would be applied as an excess principal payment on my highest rate loan. They said if I requested they could turn off the autopay reapply the XX/XX/10 payment as a regulary payment to satisfy XXXX and to not turn on my autopay until after XX/XX/10. 1. to have an outstanding balance for XXXX doubles the interest due on the next payment date of XX/XX/10, and increase the amount of the final payment. 2. That whole time where I am not on auto pay my rate is higher. These predatory practices are ridiculous. Fortunately I have the financial stability to make the payment this month without an issue. Others may not be so lucky.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My car was totaled back in XX/XX/XXXX. My insurance company, XXXX, paid {$12000.00} on XX/XX/XXXX that Westlake confirmed they received. I have GAP insurance to pay the remainder, but they have not processed it yet, which results in my remaining payoff of approximately {$4500.00} getting higher each day. It has been well over 30 days so my balance should be XXXX with the GAP insurance. This is still being reported to all 3 credit bureaus as a debt over {$17000.00} which is increasing my debt to income ratio, lowering my scores, and interfering with my ability to qualify for purchasing a home. The company needs to process the GAP claim and report the accurate balance.

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 2018-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : ... XX/XX/2016 ... .I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions 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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hunt & Henriques, LLP is harassing me claiming that I owe on a debt which was opened due to identity theft. I've submitted a police report, ftc identity theft report & a cease & desist letter and they're still harassing me claiming they're going to file a lawsuit against me. I need them to cease & desist all collection action per FDCPA regulations. Additionally the alleged creditor ( XXXX XXXX XXXX XXXX ) is also violating FCRA & FDCPA laws. I never applied for the alleged account nor do they have any permissible purpose to report or collect on the alleged debt. 1681b states they must have been given permission. I never signed anything which gave them any. No consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Dovenmuehle Mortgage, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX and XXXX, 2020 I logged into Dovenmuhle 's website ( XXXX XXXX attempting to make a payment on my mortgage. I had previously made payments earlier in the month through this same portal successfully however now when attempting to review the payment ( the final step before confirming/submitting ) it would simply send me to a blank page. I called customer service and was informed if I wanted to make a payment over the phone there would be a {$10.00} fee incurred ( which is unfair as the website was not working properly. ) Additionally I was told if I wanted to send a check it had to be certified ( which would also incur a fee. ) I was not given any means to make a payment that would not result in a charge and it's wrong this company is trying to leverage fees from their customers when their own website is failing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
fraudulent inquiries appearing on credit report. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 2018-10-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a very difficult time with SPS. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. SPS always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time getting any assistance with any employee at SPS. 

I lost my job for 6 months but am back to work full time, and can afford my mortgage. I applied for a modification and SPS denied me saying they do not want to help with a modification. I have not had any problems with my mortgage since 2011 ( recession ), and my income can support the mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX  and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1000.00}

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 2023-03-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Since obtaining the loan, I have had issues with payments being correctly applied to my account. I have received a check in a very small amount from overpayment ; however, since filing for bankruptcy in 2021, I have had my car repossessed twice and receive no communication from Wells Fargo. There has also been damages to the property as a result of the repossessions ; however, when reported, the office of the president refused to investigate. While in this loan, I have had to fight many late fees of which were not appropriate or due to circumstances that were not of my fault and I also believe that I have been overcharged in interest fees and payments not appropriately applied to principal balances. Both times my car was repossessed I was told by a representative that once my payment is over 80 days past due it goes to repossession ; however, now my loan is in charge off status and I am now being told that they will reposes and there is no time frame for repossessions as long as the payment is past due even 30 days, I am at risk of repossession. This is per representative 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 2020-12-01
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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2022-09-20
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Comenity Bank, IKEA credit card, issued rewards to me that are not being honored at IKEA stores. After receiving a {$15.00} reward from Comenity Bank, I attempted to use the coupon at the IKEA store in XXXX, NC. XXXX refused the reward coupon, stating it was invalid. 

I contacted Comenity Bank and asked for a {$15.00} credit on my bill for their mistake. I was refused and told over XXXX reward coupons were not working due to computer problems. 

I feel that Comenity Bank is not upholding the customer user agreement. I want an immediate {$15.00} credit to my account. This reward expires within days. I can not utilize the reward as of this date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-14
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern I am communicating with you due to a debt that you are trying to collect and whose debt is not mine I was a victim of identity theft and I do not recognize that account as mine I have not asked or authorized to open that account in my name. 
XXXX XXXX XXXX XXXX {$3100.00}

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 2023-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Between XXXX and XXXX Called to get payoff wasnt what I expected

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 2022-04-04
Company: CHARTER CAPITAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, This debt amount was XXXX for a bill I didn't owe. My ex spouse opened this account. I reached out to the debt collector XXXXcharter on XXXX to settle the debt and get it removed from credit report. Rep. Offered me a settlement amount if made in 1 payment of XXXX I agreed to settle this debt in single payment if it would be removed from my credit report and be a settled debt. XXXX was charged to my credit card on XXXX and a payment was received by XXXX. On XX/XX/2022 a letter was sent to me by mail stating they received my payment of XXXX on XXXX and that I had a remaining balance of XXXX that was still due. It states please make a payment towards my remaining balance that's owed to settle my debt and lists all the ways to pay them. I am a little concerned because this is not the agreement that was made.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is reporting incorrectly to Experian and XXXX a collection in the amount of {$1900.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have health insurance with XXXX XXXX XXXX ( copy of insurance card attached ). XXXX XXXX XXXX failed to submit the insurance billing paperwork to XXXX XXXX XXXX and consequently payment was not applied to this account and because of this error the account has now been sent to collections and it should not have been. This billing error was not my fault and XXXX XXXX needs to contact the bureaus and have this collection removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.

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 2019-08-13
Company: AES/PHEAA
State: FL
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:
Please see unresolved issue in complaint XXXX where company stated they were " still working on '' accurately reflecting my payments toward PSLF. 

Dear Directloan, as my primary concern indicated, your dates for my employment are consistently wrong, and you have rejected my numerous attempts to have you correct same. Even when I follow the direct instructions of your representatives. Again, I left state service in XXXX of XXXX. Since I consolidated, I have always been in an IDR plan. Incidentally and secondarily, I have always paid my balance of $ XXXX {$380.00} and that is what I am able to afford. jumping from {$380.00} to {$1100.00} or even {$830.00} in one month is unconscionable and unrealistic for a single income household. I am attempting to rectify this situation. 

My primary concern is that I should be just a couple months short of PSLF eligibility based on my consolidation from XXXX into DirectLoan/FedLoan. Specifically, I worked for the Office of the State Attorney for the State of Florida from XX/XX/XXXX until XX/XX/XXXX ( 6 years ). I then worked for the Office of the Attorney General from XX/XX/XXXX through XX/XX/XXXX ( 4 years ) for a total of 10 years. All of this information is public record, and I also have wage verification in the form of W-2s and tax information. I have submitted employment verification for you to update this information ( for which I have proof of submission multiple times after XXXX ). In fact, I have sent in that form as recently as last month, and again it has been rejected because you state the employment section is not filled out, even though I checked the box to have YOU contact state HR since I am no longer employed there and am unable to have it verified as per their policy and following the instructions on the form and directly from your representative.

Company response to consumer: Closed with explanation