BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-06
Company: Navient Solutions, LLC.
State: IN
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:
XXXX XXXX received federal loans from XXXX  XXXX during XXXX. The amounts provided to me and the amounts paid to XXXX XXXX were not what I agreed to. I was misguided and advised I would n't have to repay because I qualified for full grants being a single mother without any income at the time. I graduated in XXXX and learned that I owed {$15000.00} to XXXX XXXX. XXXX XXXX went under closed in XXXX XXXX and XXXX so I had no where to go for records of such loan and grants. I started making payments to XXXX XXXX because I was being harassed via phone and email. XXXX XXXX went under and I did n't receive any correspondence from navient for almost a year. Then navient sent me a payment book with different information that did n't match the loans or amounts. I stopped paying them and did n't get anymore correspondence from any lender for XXXX months. XXXX I started getting collection letters from XXXX XXXX bureau and XXXX calls a day from different places trying to set up payment plans and or offers to help asssit me with high costs to get started. They 're requesting my bank account info and telling me my tax check will be taken and also sent a letter to garnish my paycheck at previous employer. At this point I do n't know who to pay if I even need to pay anymore or the amount. There are law suits going on for XXXX XXXX and navient.

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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 consumer XXXX XXXX directed TRANSUION CONSUMER REPORTING AGENCY to delete inaccurate information. Credit reporting is voluntary to report non public information. I consumer XXXX XXXX did not give TRANSUNION written consent to furnish my information and I instructed them to delete it immediately. TRANSUION refuses to comply and continues to violate my consumer rights under the Fair Credit Reporting Act. 

The CFPB and TRANSUION require that information reported must have integrity and must be accurate. According to Appendix E to Part 1022 - Accuracy and Integrity of information furnished to Consumer Reporting Agencies must happen. TRANSUNION is reporting a XXXX  XXXX ACCOUNT that is not being reported by XXXX. The attached paperwork will disclose the inaccuracy. TRANSUION is breaking the guidelines of their company and the CFPB, and violating the consumer. 

TRANSUION CAN NOT VERIFY INFORMATION IS TRUE ABOUT THE CONSUMER. I REQUESTED THAT TRANSUNION SHOW HOW THEY INVESTIGATED AND THE STEPS ON HOW THIER INVESTIGATION WAS CONCLUDED.

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 2021-03-03
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am a venmo customer that has never had any delinquencies on my account, and my account has always been in good standing. I mostly use the venmo app to pay babysitters. On Sunday, XX/XX/XXXX, I mistakenly sent {$300.00} to the wrong venmo user. I almost immediately realized what I did, made another {$300.00} transfer to the correct venmo user and then contacted venmo to request that the first {$300.00} transfer be canceled due to my own mistake. I was asked a series of questions and provided all of the answers but was told that it would take 24 hours to get an answer about my refund request. 

Later that evening, venmo emailed me to say that I needed to contact the person that I mistakenly sent the money to and request that they return it to me. I found this strange because the {$300.00} had yet to be taken out of my bank account, but I did contact that person. He told me that he would gladly give the money back to me because it wasn't intended for him and that he had not even used his venmo account for a couple of years. 

He then tried to send the money back to me via venmo but his account was frozen. He then told me that he would call venmo and ask that the money be returned. When he called venmo, he was told that the money would not be returned because he owes venmo money so venmo was keeping the money I mistakenly sent him to collect the debt he owed. He told venmo over and over again that I did not intend to send him the money but venmo did not seem to care. 

When I found this out, I contacted venmo and explained that I was sorry that the person owed them money but that it is not my job to help them collect their debt, and that my mistake shouldn't mean that venmo can keep my {$300.00}. The series of venmo agents I spoke with ( including a supervisor ) said that there was nothing they could do and that I was most definitely not going to get my {$300.00} back. I told them that I would file a dispute with my bank and they said that if I were successful in doing so, venmo would freeze my account and then come after me to collect the {$300.00} debt that I will then owe them! 

This is a very anti-consumer policy for venmo to have, especially during a pandemic. Venmo takes money that a customer mistakenly transferred and refuses to return it because another customer owes venmo money? My hard earned dollars shouldn't be used to help a corporation collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CORELOGIC 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: Reporting company used your report improperly

Complaint:
I have communicated them and sent couple of request to do the investigation and send me results but I never receive any response from this company, so they are just ignoring my request.

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 2019-08-27
Company: Experian Information Solutions Inc.
State: IL
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:
Credit bureau is in direct violation of several consumer protection laws including the DODD FRANK ACT, TRUTH IN LENDING ACT PURSUANT TO 15 USC ...

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 2021-03-31
Company: Experian Information Solutions 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:
I had several accounts with XXXX XXXX XXXX XXXX and I have requested information in reference to the accounts they are reporting on my file. I do not know if it's the bureaus or the credit union showing the incorrect information, so the accounts were already disputed with the bureaus and I sent a certified letter to the credit union requesting details that are reporting on my personal credit file. It has been well over 30 days and I have yet to receive anything from the credit union. I have attached proof of the request and proof they received it.

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 2021-01-26
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
National Credit System Account number XXXX Is reporting inaccurate accounts to XXXX and XXXX credit bureaus. I have sent complaints and disputes. This company continues to ignore and continues to report. This company is unreasonable and is trying to destroy my credit with account that is not mine. REMOVE THIS IMMEDIATLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Associated Credit Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Contacted around XXXX XX/XX/XXXX from Associated Credit Services . The person I spoke to was incredibly rude and condescending. He told me that if I did not pay my XXXX XXXX  balance in full he would sue me. He also appeared to be looking at my credit report and told me if I did not pay my balance in full today he would get an account number from my report and attempt to run it on that. He said I had a XXXX XXXX card that had {$300.00} in available credit which is not my card. I'm simply an authorized user on it. When I told him that was my father 's card he told me to use that card today or he would call my father and inform him of my bad debts. I immediately hung up the phone. He then called me back on a blocked number and said if I do not pay in full today he would contact my place of employment and inform them of my bad debt. 

Account is for {$1600.00} from XXXX XXXX XXXX. I offered to pay him in {$25.00} installments since I am in XXXX  and he said I need {$350.00} minimum today or we go to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
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:
Every time i file a dispute online ... They always come back and said it's valid. I have told the reporting company several accounts were not mine and there are 1-2 that i never applied for and it's on my credit report. So these accounts are never deleted. The accounts listed below are not mine. I had someone trying to use my personal info over the last 2-3 years. I have been working on correcting the problem and need your help with my issues. I have file a disputed XXXX XXXX XXXX {$3300.00} ( Not mine ) XXXX XXXX XXXX {$280.00} ( Never heard of this company ) XXXX XXXX XXXX XXXX {$570.00} XXXX {$1700.00} ( No acknowledge of this acct. ) XXXX XXXX XXXX  {$870.00} ( Never applied, not mine ) XXXX XXXX XXXX {$100.00} ( Not mine acct. ) XXXX XXXX Bills which i disputed 4 years ago and shouldn't be on my credit report : XXXX XXXX {$1600.00} XXXX XXXX XXXX  {$240.00} I have the following accts are closed on my credit report but they won't remove them. They causing me problems with obtaining new credit, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX. XXXX Now XXXX. XXXX Now

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 2020-02-06
Company: AMERICAN HONDA FINANCE CORP
State: MT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a XXXX  automobile leased with AHFC. I've purchased many vehicles from XXXX and financed several with AHFC. Yesterday I called to ask a question. One representative gave me one answer and hung up on me. Another representative gave me a different answer. I asked for a supervisor. Was not allowed to have one, told I would have to get a call back. Supervisors then kept calling back and referring me to call customer service. When I called customer service, I was told I could not have a supervisor. Round and round and round and round. No solution. No supervisor. Horrible customer service and still no outcome on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Yesterday I submitted a complaint, please see ( XXXX ) for Ability Recovery Services , LLC. They did not respond to my right for them to have valid proof that they are licensed to collect debts in IL. Per the XXXX   site, they DO NOT have an active license to collect debts in this state. Please provide proof of your active license, as per the Fair Credit Reporting Act you must be licensed in the state you are attempting to collect a debt. 

In addition in that same complaint, they responded stating they sent me an itemized bill. As stated in my original complaint, AN ITEMIZED BILL IS NOT PROOF OF VALIDATION. Proof of validation requires you to provide me with a document bearing my signature to show proof that I am obligated to pay this debt you say I owe. 

Please provide proof of your active license to collect debts in the state of IL and also please provide proof of Validation, not an itemized bill as that is verification, not validation that I requested. Again, if you can not provide proof of both of these requests, I will be pursuing legal action and my lawyer will be contacting 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 2019-05-23
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: Account information incorrect

Complaint:
I disputed unverified and unauthorized accounts on my 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 non-monetary relief
Consumer complaint received 2020-02-06
Company: SYNCHRONY FINANCIAL
State: NJ
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 reached out to XXXX several times regarding inaccuracies on my credit report. While they respond, they do not properly fix it and in fact make matters worse by reporting it incorrectly. I have prepared 3 letters regarding 3 items that are really hurting my credit. Please see attached.

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 2020-02-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Pennymac is our current mortgage company and in the process of applying for refinancing they did not provide adequate guidance in that process. The loan officer would give us lists of things to do, such as paying things down, and closing open disputes in order to get our credit up to complete the loan process. In doing so they would repull our credit everytime and give more guidance. The process was horrible. So we decided to use XXXX XXXX since they provided proper advice in helping us correctly. During this process we lost our loan capability due to a 5 point credit score drop over the entire process that involved almost 10 credit pulls combined by the 3 companies. That unprofessional guidance along with greedy loan officers has caused us to spend thousands paying the things off they asked us to pay and left us with no refinance to regenerate the money we lost in the process. We have made our house payment the last 7 years without missing a single payment and jow are denied based on 5 points in a system they abused through too many credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Home Mortgage Response on complaint # XXXX is that wells fargo home mortgage does not answer the question at hand with the document that has been stated to make the instrument legally binding. Wells fargo home mortgage avoids the issue of forged document on there part. were not talking about no Foreclosed inXX/XX/XXXX. Stop playing games and making up false things that's not address. Were talking about the California All purpose certificate of acknowledgement is not my signature was this ever presented to me at closing or any time. Wells fargo has yet to provide all the closing documents back in XX/XX/XXXX. I have my originals in the package that was giving to me and there are over 20 lines and documents not sign. Wells fargo home mortgage claims there was only one signature line for a signer as on the California all purpose certificate of acknowledgement. They yet to prove that's my signature on the California all purpose certificate of acknowledgement as I appeared personally and sign. lets stop playing games as if I sign that document and provide proof to the document is my signature for the said instrument. Wells fargo claims they been trying to call stop playing games provide proof as well. 
Wells fargo needs to provide the documents I sign and have back in XX/XX/XXXX and explain why there are so many signatures pages left blank not some documents they forged after the facts. I need the original closing documents. Not every time trying to send some documents in XX/XX/XXXX that's not what were talking about. I still have mail sent US REG mail to wells fargo that's was not answered back in XX/XX/XXXX to this matter. Wells fargo never wants to provide the documents ask its always some game with documents not ask for. Wells fargo stated I sign so prove its my signature and provide documented proof from an document examiner that its my signature and stop sending excuses and documents that's not what the issue is about. there has yet to be a real truthful answer or proof by wells fargo. stick ton XX/XX/XXXXdocuments and stop playing games and lies of calling what are you calling for its simple provide only the documents you gave me in XX/XX/XXXX I have all mine s only the closing documents nothing else.

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 2020-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 reached out to XXXX several times regarding inaccuracies on my credit report. While they respond, they do not properly fix it and in fact make matters worse by reporting it incorrectly. I have prepared 3 letters regarding 3 items that are really hurting my credit. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: EQUIFAX, 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 my name is XXXX XXXX and there are fraudulent credit inquiries on my credit reports that I have contacted the credit bureaus about before but it looks as if the companies told me they remove them but actually didn't. I am requesting that all credit inquiries that I have listed be removed off my credit file as I have been a victim of identity theft since XXXX at which point my ex husband was deported for using my identity as well as my sons. Please remove the following credit inquires as they do not belong to me XXXX and XXXX XXXX  also there are addresses listed on my XXXX report and equifax report that are fraudulent that I have never lived at which at XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX which are all fraud never lived there so please remove these fraudulent addresses. Also equifax is not reporting my job which I have been with since XXXX which is XXXX XXXX XXXX XXXX which needs to be reported as future creditors need to know that I have a stable job. This whole ordeal is draining me physically and emotionally I just want the credit score that I deserve. I always pay me bills on time being XXXX and having a XXXX child and being a victim of domestic XXXX and identity theft please raise my score to the appropriate rating because what's being done to me is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: U.S. BANCORP
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
U.S BANK FAILED TO REMOVE THIS ACCOUNT NO # XXXX AS PROMISED in several LETTER. PLEASE RE-DELETE XXXX XXXX XXXX ACCOUNT FROM her XXXX CREDIT REPORT TODAY. 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