BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: SC
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 accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions Inc.
State: MN
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:
Attached to this complaint is a police report from the XXXX Police Department in regards to the fraudulent accounts listed on my Experian credit report. The following accounts are all fraudulent, unauthorized and not my accounts : 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 2023-10-04
Company: Maximus Education, LLC dba Aidvantage
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:
Loan transferred from XXXX to Aidvantage ~ XX/XX/XXXX. I have made five payments since the transfer of loan servicer from multiple bank 's ( XXXX & XXXX XXXX ) bill pay services. 
XX/XX/XXXX {$50.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$33.00} XX/XX/XXXX {$300.00} ( one is pending {$270.00} made directly on their website ) While on their website ( after Thursday 's payday ), discovered on Friday that I had {$82.00} in unpaid interest on my XXXX sequence loan, XXXX {$0.00}, XXXX {$0.00}. Mental math told me it should not be that high, so I did some digging. 

XXXX balance {$6100.00} XXXX ) 6.8 % {$1100.00} balance {$5.00} accrued interest to the XX/XX/XXXX XXXX ) 6.8 % {$2400.00} balance {$12.00} accrued interest to XX/XX/XXXX XXXX ) 6.0 % {$2500.00} balance {$11.00} accrued interest to XX/XX/XXXX total interest for 27 days {$29.00} XXXX  Called on XX/XX/XXXX Friday XXXX eventually after making several selections through the phone tree it informed me that they were closed. Wrote down their hours. XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX. 

Monday XXXX called at XXXX and held for 5 minutes without reaching a person. Needed to head into work. Called again at XXXX and held for 13 minutes without reaching a person. Tuesday XXXX called at XXXX and held for 48 minutes without reaching a person. 

It appears that rather than the simple single loan two step process ( 1. unpaid interest 2. unpaid principal ) they have three pages of allocation and application complexity for multiple loans ( I have a XXXX, XXXX & XXXX ). 

On their website discovered how to select between their five options in my account profile. None of which is exactly or clearly the best for the consumer but instead is best for a debt collector. 

It defaults to overpayment allocation : Highest Interest Rate- the overpayment is paid to your loan with the highest interest rate. 

I changed it to Lowest current balance - the overpayment is paid to your loan with the lowest current balance. 

Option which is not clear how they would apply - is prorate by monthly payment amount- we prorate the overpayment across all the loans you select. The calculation is based on the monthly payment amount. If the system current says I have XXXX not sure how that would work. 

What I would like is for the unpaid interest to be paid in full if my payment amount covers all the accrued interest across loans. This way interest does not compound on itself. Then pay down the principal amount. 

I deal with amortization schedules in my daily job and have worked in customer service...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I submitted an application for a secured credit card with Capital One because XXXX XXXX said that my chances were excellent however I when I completed the application it had redirected to a regular credit card and I was denied and a hard pool was done on my credit file and there was not supposed to be one. XXXX XXXX used misleading information and this whole thing is just XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I was offered a {$3000.00} loan, then reduced to {$1300.00} to start paying end of the month, and then every 2 weeks to coincide with my pay day, just after 2 weeks they made 1 withdrawal and now they intend to withdraw every Friday

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I received an email from Wells Fargo informing me not to pay for 90 days and that those payments will be adjusted somehow. Here is the email ; Dear XXXX XXXX : Were here to help. 
Were reaching out because you are potentially located in a FEMA declared disaster area. Hurricane Irma left extensive damage in your community. Our thoughts are with you and all of those impacted.  Were you impacted by Hurricane Irma?

If you arent able to make your normal payment, we have taken proactive steps for customers in FEMA declared areas by placing a 90-day payment relief period on accounts to assist. This includes : We will not assess late charges. 
We will not report any negative information to the consumer reporting agencies. 
We will work together over the next 90 days to discuss options available on repaying any payments missed during the 90 days as there are many options depending on each individual situation. 
We encourage you to continue to make your payments if you are able. 
Sincerely, XXXX XXXX Senior Vice President, Customer Service Wells Fargo Home Mortgage Then I received a letter saying that XXXX XXXX was actually my lender and Wells Fargo is just a servicer, and payment is due to be current which was {$2800.00} on XX/XX/2017 or I would be in FORECLOSURE. Each mo. is XXXX, and the next mo. was due in 3 weeks. I made the payment after selling many items and it completely wiped me out financially. Since then I have been late in XX/XX/XXXX & XX/XX/XXXX w/fees and it has been reported to creditors. Even one of my credit cards was deducted b/c of my credit report from XXXX to XXXX caused by Wells Fargo. I have emailed them about this problem and they say to call, but then when I do the department that handles certain situations are always closed. BTW, I am currently up to date on my payments, but with a leaking roof, flooded walls and floors, and destroyed fencing. 

Thank you, 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 monetary relief
Consumer complaint received 2023-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit 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:
On XX/XX/, I learned that the XXXX printer I purchased last year is charging me to print in my home because I was promised free printer cartridges for 6 months. But I am being sent instant print cartridges that I have to pay for. If I take credit card off account my account is disabled. Yet I buy paper to print in my home and now account is disabled again because XXXX charged {$71.00} and I requested it be credited back to my account because I requested the account be closed on XX/XX/. However, I am being charged for subscription I didn't ask for. I want All the money returned. Immediately because the charge caused my credit card to be over the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: AFNI INC.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I called XXXX XXXX XXXX Afni Account # XXXX, with the original creditor being XXXX XXXX XXXX, creditor account # XXXX to pay the the discounted amount of {$180.00} to settle me debt. This was all verified and confirm over the phone. I just received my Bank Statement and they charged me for the full amount of {$370.00}. I then called today XX/XX/XXXX at XXXX to dispute this transaction and Afni Account stated I have to wait 6-8 weeks for them to refund the money and then they will return the account to my credit report as being charged off, then I would have to repay the account again with me telling them I want to pay the discounted amount, not the full amount, which I already told them all this when I made the payment XX/XX/XXXX. 

Afni Inc stated I did not tell them I wanted to settle my debt at the discounted price of {$180.00} so they charged me the full amount of {$370.00}. How ridiculous is that statement? 

I then asked for a confirmation number or reference number for record keeping and to have proof the conversation between me and the creditor occurred on XX/XX/XXXX and the creditor who was on the other line of phone # XXXX XXXX XXXX at XXXX stated, there is no proof or record keeping of this transaction, the proof is me telling you what's going to happen, which is I wait 6-8 weeks, they then return my money of {$370.00} along with my charged off debt on my credit report, once this happens and I see it on my bank statement, I call them and tell them I want to pay the discounted amount, not the full amount. etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX I purchased a vehicle and was not informed of multiple inquires I was told it would be XXXX inquiry which is what I authroized so this inquiry is not authorized and should not be on or a hinderance to my credit by law

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 2022-12-13
Company: Experian Information Solutions Inc.
State: IL
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 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX year old daughter PLEASE HELP ME PLEASE im depressed 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 non-monetary relief
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for a trial membership service with Experian for their Credit Monitoring service and provided my credit card information. When I canceled my membership with them my credit card information was still saved in their system and did not get removed. I called them to remove that from their system but they refused and said that they have the right to keep my credit card information on file. I requested for a supervisory from their Membership Services department and a person named XXXX still won't remove my credit card on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US Dept of EDXXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX , XXXX XXXX XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-13
Company: SANTANDER HOLDINGS USA, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX I purchased a vehicle and was not informed of multiple inquires I was told it would be one inquiry which is what I authroized so this inquiry is not authorized and should not be on or a hinderance to my credit by law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
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:
A Collection company is trying to collect from me. The document that they are using against me and as evidence has a signature that is clearly NOT my signature. Thank you

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 2023-11-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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 accordance with the Fair Credit reporting act, the following accounts listed below has violated my rights. 

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

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

XXXX XXXX XXXX account # XXXX XXXX/ XXXX XXXX XXXX account # ending in XXXX XXXX XXXX  account # ending in XXXX XXXX XXXX XXXX XXXX account # 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 2021-04-10
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, my wife and I purchased the subject property for investment. In XX/XX/XXXX, we obtained a mortgage from XXXX for {$100000.00}. The loan was sold to EverBank a short time after closing. In XX/XX/XXXX, I contacted EverBank and informed them that we were seeking to give the property to EverBank in a deed in lieu process ( our loan with EverBank was current, and the property was vacant at this time ). 

EverBank assigned XXXX XXXX to handle our request. I submitted ALL the documentation that was requested and required. In XX/XX/XXXX, XXXX informed us that the application was complete. On XX/XX/XXXX, I received an Initial Eligibility Letter from EverBank. On XX/XX/XXXX, I received a letter stating that I needed to provide satisfaction for three judgements under the name of another individual with the name of XXXX XXXX, who resided in areas that I have never lived. I informed them that these judgements are not mine. They were further notified that I have never lived in the areas, and had no knowledge of these debts ; and, furthermore, that I have bought and sold many properties with various Title Companies, and these judgements were never an issue in completing any of these other transactions. EverBank was also informed of these facts. 
On XX/XX/XXXX, I received a notice from EverBank that my application was complete. 

EverBank was then acquired by TIAA Bank. On XX/XX/XXXX, I received a Demand letter from XXXX , XXXX & XXXX notifying me of the balance of {$98000.00} and their intent to litigate. On XX/XX/XXXX, I met with XXXX XXXX, XXXX, and he assured me that he would clear up this matter. 

This entire situation is unnecessary and a waste of money. EverBank and their legal counsel should not be rewarded or compensated for being incompetent, and ( in my opinion ) working to extend this matter ( unnecessarily ) for maximum financial gain..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/XXXX I notified and send out certified mail to XXXX XXXX, XXXX and Also EXPERIAN notifying them that I have information on my credit report thats does not match across all 3 credit bureaus I have not been answered back about any information regarding that information. I stressed in my letter that I demand to see proof of all verifiable documents and the original contract for the consumers on my credit repost with my signature on it I have yet to hear anything.

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 2023-01-05
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:
In accordance with the fair Credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account number : XXXX XXXX XXXX account number XXXX XXXX  account number XXXX XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX  account number XXXX XXXXXXXX XXXX ( original creditor XXXX XXXX ) XXXX XXXX  XXXX original creditor XXXX XXXX  ) account number XXXX XXXX XXXX ( original creditor XXXXXXXX XXXX XXXX in company ) account number XXXX XXXX XXXX  ( original creditor XXXX XXXX auto in company account number XXXX XXXX XXXX account number XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) account number XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation