BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: AES/PHEAA
State: MN
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:
Called numerous times attempting to change account status to " out of school '' as I have now graduated 4 months ago. Loan service officer indicated that changing this would be possible with paperwork, however never sent paperwork to allow me to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is claiming to be collecting a debt for XXXX XXXX XXXX, once I spoke to an agent and requested a verification of the debt with my physical signatures and proof the debt was in fact my responsibility I was told I had to call XXXX for that, I then requested proof and written verification of ownership of the debt and a contract that this company had to collect on the debt they claimed was owed, again I was told they did not own the debt and that they were only collecting on behalf of XXXX. 

As of XX/XX/23 this company was only capable of sending a last bill that was processed by XXXX per the FCRA they have failed to provide the requested information to validate the amount claimed to be owed and there for have been reporting inaccurate information to the 3 credit bureau 's and damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, These accounts must be validated. Please authenticate these accounts : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$760.00}

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 non-monetary relief
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: MD
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 find this explanation on XX/XX/22 to be unacceptable by Equifax. 
Since credit was denied, I want a copy of their credit report on me. 
They reported the information and XXXX XXXX denied me credit, now Equifax is saying otherwise. 

I want a copy of their credit report mailed to me. 
I do not know what the codes XXXX, XXXX, XXXX, XXXX are, Equifax reported a score of XXXX! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2020-04-30
Company: EQUIFAX, INC.
State: CA
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:
While checking my personal credit report, which I acquired fromXXXX, Equifax. I noticed an unauthorized inquiry made by your company XXXX XXXX/XXXX XXXX on XX/XX/2018 and XX/XX/2018. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: ENOVA INTERNATIONAL, INC.
State: IL
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:
I received multiple hard inquires from XXXX XXXX XXXXXX/XX/XXXX and XXXX of XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX all on XX/XX/XXXX. Also there is a personal loan for {$740.00} under my account names XXXX XXXX XXXX XXXX that was open on XX/XX/XXXX. All of these hard inquires and account I did not authorize or create. Many years ago back in XXXX my purse got stolen from car that had my social security number in my wallet. Ever since I had to watch my credit and always place credit freezes. Someone has my information and been applying for these accounts that I never did. I contacted XXXX to help create disputes against the accounts, called the credit companies and placed credit freezes on all Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Recently ive been shopping around in regards to buying a house. I was informed by my potential lender that there was some negative items added to my credit report recently that i have no knowledge in and is COMPLETELY INACCURATE which is damaging to my credit report, and a defamation to my character I sent out letters to all 3 credit reporting agencies on XXXX regarding this negative account that's reporting they haven't responded back to my complaint nor have they provided me with any verification of this negative account, its been 30, and this issue is now a violations of my consumer rights.

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 2018-08-28
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Discover Card offers a free FICO credit scorecard service. That same score that they provide free of charge is the score Discover uses in order to determine eligibility for their credit card. According to their own information my score is rated GOOD ( XXXX ) with 100 % on time payment history. Both are excellent in determining a potential card holder. On the site they have a Pre-qualify option, soft credit hit, using the same FICO info they provide.I have submitted at least 10 applications via this option to see if I qualify. I have been denied every single time. I have researched Discover 's parameters for card holders, and I fall within their guidelines with both income, credit score, and credit history. I believe I am being discriminated against for whatever reasons. I have called and NO ONE will even discuss the application with me. Discover is not practicing due diligence, and I believe I am being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
My father went for a repair on his financed XXXX XXXX at XXXX XXXX in XXXX New York. Repairs were so high service manager convinced my father into trading for a new car with better monthly payments. Due to my father bad credit Acura couldnt make that happen so they decided to add me to co-sign. My father doesnt know English and not good with reading contracts so everything he signed was verbally agreed with the dealership on whatever they told him. I was not in the dealership and was out working so they called me to give them all information to close the deal. They told me he would be paying the same amount even though it was a much cheaper car than what he previously had, but they said if he paid on time they would give him a better deal after the first year which I agreed. So the sales person came to my work place at about 12 midnight having me sign about 20 pages & basically just gave me a summary of what I was signing. So when I received the first month bill of {$900.00} I was shocked & called to see if it was a mistake. My father was paying about {$700.00} for a financed XXXX  XXXX XXXX and now he is paying {$900.00} for a cheaper car & is a lease which payments shouldnt be that high. I requested to take back the car or re negciate & dealer kept dodging me. I tried to meet with general manager and he was never available. Just want to see what can be done. It has been a couple of months already & I been helping my father with lying off the car but I just cant afford it and dont want to ruin my credit. I recently called Acura financial services and they told me the dealer even added a whole bunch of add-ons to the car to make payments higher which is very un professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a complaint regarding a dispute from the company XXXX and navy federal has not refunded my money nor have they given me a temporary credit. I return the item to the company and provided navy federal with a tracking number. 
They verified the item was returned I want my money returned to my bank account 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 2022-08-09
Company: Capital Link Management, LLC
State: MA
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:
Capital link management contacted my aunt about a debt. Revealing the amount owed and the creditor to them. My aunt was never a part of the original transaction and her information was never on the account. I have attempted to reach out to the creditor and they wont answer their phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions Inc.
State: OR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018 I requested information on how and why my dispute was denied. I never got a response back after several more attempts to get the information. On XX/XX/2018 I called Experian again and the supervisor named XXXX said Experian the credit reporting agency will not send me a written notice that includes the name address and phone number of the information provider, clearly violating my rights under the FTC. I even explained this to her but she still refused to give me this information.

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 2020-06-01
Company: Navient Solutions, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I filed for bankruptcy, chapter XXXX, and it was discharged. This account with Navient was opened over 11 years ago, and it shows that I owe more than the original loan. I have not paid in years ( since XX/XX/2017 ) This installment loan should be charged off and deleted from my credit report based on the years it has been open and unpaid. Instead it just sits in my report negatively impacting me for years without end in sight, gathering accrued interest. I will never be able to pay this, and do not plan to pay this account. I filed chapter XXXX because of an abusive marriage and divorce, and now am a single working mother with full custody and no child support for XXXX young children. Navient has never been open to working with me in years past to resolve this, so I am asking for it be closed and removed from my report so I can try to clean up my credit and move forward in my life financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-01-30
Company: Experian Information Solutions Inc.
State: CT
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 filed an FTC Identity Theft report in XXXX, XXXX. I sent this information to all credit bureaus. Some accounts were removed, most were not. All disputed accounts are not mine. I direct you to remove all ( attached ) disputed accounts as originally requested. I will list them here to clarify the accounts I am disputing as not mine : XXXX XXXX : Open Date XX/XX/XXXX, XXXX  XXXX : Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  : Open Date XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX : Open Date XX/XX/XXXX, XXXX  XXXX : Open Date XX/XX/XXXX ... Many violations of federal law have occurred in the last 5 months. These are also attached. In your response, please provide the written instructions I gave you in conjunction with 15 U.S. Code 1681b ( a ) ( 2 ). If you do not have my written instructions, this is a violation of 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ) and 15 U.S. Code 1611 ( Criminal liability for willful and knowing violation ). More violations are highlighted in the attachment. I demand immediate removal of all accounts noted both in this compliant and in the attached documents or I will sue you in Federal Court for defamation of character.

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 2018-12-05
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company, XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX previously sent letters stating I owed on a credit card account. They said legal action would be taken if I did not pay the debt. I requested information and to cease communication if they refused to send information. They followed with a letter stating it was my responsibility to deny the debt. I again asked for a cease and desist. One year later, they contacted me about a different credit card account they bought, presumably in my name. They filed a judgement against me. On the date of the initial appearance their attorney did state I had a cease and desist order prior to this account in reference. At no time has the company sent information regarding either account. I have court tomorrow and they've provided no documents. I also do not owe what they say but I cant afford an attorney and may likely lose the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
NOTICE OF DISCRIMINATION AND Default and opportunity to cure YOU HAVE FAILED TO DO YOUR FIDUCIARY DUTY IN PROFORMING YOUR DUTY TO EXTEND CREDIT TO APPLICANT AFTER IN GOOD FAITH I EXTENDING CREDIT IN STEAD YOU XXXX XXXX HAS DISCRIMINATTED AGAINST ME SO NOW AM HOLDING PERSONALLY LIABLE FOR THEFT THE UNAUTHORIZED UES OF MY CREDIT CARD YOU RECEIVED ALL BENEFITS AND PROCEEDS FROM THAT TRANSACTION AND I THE CARD HOLDER RECEIVE NOTHING BUT DISCRIMINATION FEDERAL LAWS HAS BEEN BROKEN YET YOU FOUND NO IRREGULARITIES OR TREAMENT ON ANY PROHIBITED BASIS. ALLY DENIES IT VIOLATED ANY FEDERAL OR STATE LAWS STATE LAW VIOLATION O. C.G.A 16.9.33 STATE LAW VIOLATION O.C.G.A 10-1-439.2 Federal Law violation 15 u.s.c 1691a Federal Law violation 15 u.s.c 1602 ( f ) Federal Law violation 15 u.s.c 1602 ( p ) Federal Law violation 15 u.s.c 13 Federal Law violation 12 c.f.r 1002 Federal Law violation 12 c.f.r 202 Federal Law violation 12 c.f.r 202.5 ( 5 ) These are the laws you have broken there probably more that I havent found yet These are irregularities and prohibition violation you just wasnt called on it I am demanding to see your books, your ledger, your files, your audit trail, whatever you use. all the documents associated with these transactions. validate these transactions that it was legal And as now am holding you XXXX XXXX personally liable for theft and willful noncompliant criminal liability for willfully knowing and violation. 
After extending my credit I am expecting adequate compensation Ignorance to the law is no reason to break it Notice is complete upon receipt Yours truly

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 2020-04-09
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: Information belongs to someone else

Complaint:
Date Opened XX/XX/2018 Credit Limit {$200.00} Balance {$500.00} I Did a Dispute with all 3 credit Reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CBC Companies, Inc.
State: OH
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:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates wereXXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX XX/XX/2020my income was affected due to the COVID-19 Pandemicshut down. I am in the middle of moving and this alate mark is preventing me from moving to a new apt . I was under the COVID-19 SHUTDOWN.The CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I attached letter.My problems begun when I called for a little over a year trying to find my loan payment amount.I asked numerous times if i could just apply a payment.I was told I could not because they do not have anywhere to attach it to.I get several more months behind.I was told they needed all of my payments at once.I was not able to do so.Then the pandimic accurs.I get even more behind. I am now out of work and could not catch up.I contacted the homeowners relie program.I followed all instructions.I recieved a call after many months send paperwork in and geting the intial application steps on the portal completed. I was approved my paper work was being sent over to my mortgage company.The last thing that was explained to me was do not buy anything from anyone there was alot of fraud going around and people calling trying to get things.I was asked to only answer to the repeersenriv that a repersentive would contact me.I would check the portal ever week.No call No update.I went on to the portal to check my status for a few months. I was hearing friends and others were already getting help.I loged on and I could not believe my eyes.It read eneligible.No letter no call. I called numerous times I files three appeals.All unanswerered.I call leave voice mail after voice amail.No call.

I am so frustrated with my morgage compnnay and alask ahousing.PLease help.I have reached out to them and nothing.I emailed I calklled I went there i left messages.I even spent numerous days on life surport my electric was disconnected over all of this mess so the next thing I knew my good friend happen to stop by at 3 am because they were locked out of their home .They found me in my hall way unconscious along with some friends that stayed over.I nearly lost my life.My parents willnever be the same.I still have a lot of fog.The doctors said I was very lucky.They did not see a good outcome initially. 

I am asking that you please help me with this situation.Thank you so much for listning. 
XXXX XXXX

Company response to consumer: Closed with explanation