BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
Company: T.S. Holdings
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subleased an apartment according to how the leasing office instructed me. The apartment is now claiming that even after I left I owe them even though I did not live there. Tennant left in an improper way. Apartment tried to settle with tenant, tenant said they got a lawyer and that they were not responsible. Apartment said they tried to contact me but I did not know about it until 6 months later after it was already in collections. I do not owe this debt. I have asked for paperwork. I have asked for the entire leasing document and have not received it. Lease is missing the " room mate release and room mate addition form which both parties signed to enable the sublet. Lease packet is missing the mold remediation and lead paint document. I have asked repeatedly for the complete documents and they said " this is all they have. '' I do not have the complete packet and they will not share it. I was also charged for " painting an improper color '' which I did not. The color they are talking about was offered to me as a " thank you '' for signing another lease prior to me leaving when I bought a house 8 months later. I had an option of blinds or painting an accent wall. I chose the paint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have tried on several occasions to rectify this issue with XXXX. They are reporting 2 accounts on my credit report as being 120 days past due in 2014. When I contacted them they admitted that they knew the accounts were not past due but due to paperwork and processing times my accounts will be reported as such. This is illegal and fraudulent and I am extremely unhappy about it. I have several other loans with XXXX and none of them have ever been late or delinquent so I am not sure why they are giving me these issues. I want them to report my account accurately by removing these fraudulent late payments immediately. I will not give up until I receive justice. I work really hard to keep my credit clear and this issue is so upsetting.

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 2022-10-03
Company: WELLS FARGO & COMPANY
State: GA
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. This creditor has violated my rights under 15 USC 1681 section 6o2 states i have the right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a vehicle under an open consumer credit plan as late for any purpose. I finance my vehicle through Wells Fargo. 

I also have a credit card through XXXX XXXX. They are also giving my information away 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 2019-02-20
Company: Experian Information Solutions Inc.
State: WI
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 have been trying to get proof from not only the companies, but the credit bureau as well to provide me with documentation that I owe the debts that are being reported on my credit report. I have been mailing letters since XXXX18, every 30 days to both the creditor who claims that I owe such a debt, and also the credit bureau. I either receive a letter from the credit bureau stating that they verified that the debt belongs to me, or that they are done investigating the debt, and that there will be no re-investigation done on my behalf.They have just stopped sending me all correspondence all together. I have exhausted all efforts with the creditor and credit bureau and I need results, they have not proved to me that any of these debts are mine, and therefore they need to be deleted from my credit report per the Fair Debt Collection Practices Act.

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 2022-02-18
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I filed a FTC report. On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: AES/PHEAA
State: SC
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 have been on track with PSLF payments since XXXX under an income driven repayment plan with federal loans. My last ECF was submitted on XX/XX/XXXX and as of then I was on track with 56 qualifying payments on all of my loans with 64 payments remaining. Out of the blue, I receive a message in my inbox saying " Payment Tracking Starts Now '' which is what you receive after they process a new ECF for you. However, I had not sent in another ECF since XXXX. When I opened it up, my qualifying payments had been REDUCED from XXXX to XXXX adding 4 years to my loan payments. This is egregious. I called the company and the rep said he could see my payments and they were qualified but he had no idea why this would happen. He was submitting for review which could take 60 days before I hear back. This seems to be a common practice with this company ; for no reason at all my qualifying payments were recalculated out of thin air and they tried to rob me of close to 4 years of payments. I have already had one complaint with this company because they miscalculated my payments. Now it has happened again and is much worse. This is unacceptable. I have attached the last direct debit bill I have for XXXX showing the 56 qualifying payments for PSLF on all my loans. I have also attached the incorrect " surprise '' recalculation of my payments dated XX/XX/XXXX. 

I am resubmitting due to mistake with previous complaint 's attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX {$200.00} dollar credit Limit {$120.00} owed My identity information has been previously compromised and used to open several accounts and inquiries without my permission. This is just one of the accounts that was opened that I do n't recognize. This is fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Navient Solutions, LLC.
State: MD
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 have tried on several occasions to rectify this issue with Navient. They are reporting 2 accounts on my credit report as being 120 days past due in 2014. When I contacted them they admitted that they knew the accounts were not past due but due to paperwork and processing times my accounts will be reported as such. This is illegal and fraudulent and I am extremely unhappy about it. I have several other loans with Navient and none of them have ever been late or delinquent so I am not sure why they are giving me these issues. I want them to report my account accurately by removing these fraudulent late payments immediately. I will not give up until I receive justice. I work really hard to keep my credit clear and this issue is so upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022, I had an offer accepted to purchase a home. I reached out to a LoanDepot agent to apply for a VA loan. I started the VA application process and during that process, the LoanDepot agent emailed me stating that I needed to pay for a VA home appraisal. I was sent a payment request for {$1000.00} for " Appraisal Fee payment request. '' The LoanDepot agent informed me that this would cover the VA appraisal and any excess money would be refunded. I paid the {$1000.00} with my credit card on XXXX XX/XX/2022. The {$1000.00} charge was completed on XXXX XXXX on my credit card statement. 

The VA appraisal was completed on XXXX XX/XX/2022. LoanDepot sent me the appraisal report on XXXX XX/XX/2022. 

Due to having issues with getting LoanDepot to approve the loan in a timely manner, I switched to a different mortgage company on XXXX XX/XX/2022. I requested that LoanDepot transfer the VA appraisal to the new mortgage company. 

LoanDepot refused to transfer my VA loan appraisal to the new lender ( even though they are required to do so if requested ), and I had to call the VA directly and ask the VA to assist with transferring the appraisal. I purchased my home with the new lender on XXXX XXXX. 

However, to my surprise, the {$1000.00} " Appraisal Fee '' collected by LoanDepot did not go to the VA appraiser. Instead, at closing, I paid a separate {$650.00} bill for the VA appraisal. LoanDepot had kept my {$1000.00} and never paid for the appraisal. 

I immediately emailed LoanDepot on XXXX XXXX after closing and asked them to refund the {$1000.00} VA appraisal fee, as they never paid for the appraisal. The LoanDepot loan officer responded on XXXX XXXX refusing to provide a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Disputed every account on my Transunion credit report, all accounts because it was some kind of error on each account. In stead them removing the closed accounts they re-opened every account.

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 2022-08-12
Company: EQUIFAX, 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:
The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and update it from my personal credit file. Thank you. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX my account was fraudulently charged multiple times by a company I have no relationship with, XXXX XXXX. My bank, Chime contacted me and told me my account had been breeched and they were sending me a new card. I submitted a claim for the fraud and received a provisional credit on my account. I have now been informed that some of the charges that occurred from the same vendor at the same time were valid, when they clearly are not. Their customer service has been abysmal in dealing with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
I have repeated mail off letters of disputed and validation was requested of account, as well stop the daily calling too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
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:
The bank of my called First National Bank of Omaha Acct # XXXX did not send electronically as I wanted when I set up the payee online. They sent to the XXXX XXXX XXXX late! The XXXX XXXX XXXX refused to change or correct the information. However, they did AFTER receiving the check from the First National Bank of Omaha. On my first attempt, I tried to fix but they did not believe me. I have a several pictures attached to prove you. The XXXX XXXX XXXX charged me on late fee and even charged me for {$13.00} dollars for interest rate. Why would they charge me twice??! The XXXX   XXXX XXXX is a rip off! I asked them to credit both and the bank refused. I did pay the payment on time which was XX/XX/XXXX ... .before the deadline date. I pay on time always, but the bank and credit cards keep messing up my credit record. THIS IS WHY I am frustrated with them. They always ruin my record. I ask you to please investigate this thoroughly. How did I know I did not have a good record? XXXX was the one that shows me the problem and it started with XXXX XXXX XXXX. In fact, I called them today about why they changed the APR, they said they did not. So I don't know why XXXX has that information about the APR and it pulled ten points off from my record. I deposited my whole {$8000.00} cash into a secured card I requested. But XXXX is harming my record even though it was MY MONEY and I made it as a secured card ( last digit as # XXXX ) within XXXX XXXX XXXX. XXXX needs to fix this record and do not blame me for the APR because the man at the XXXX  XXXX XXXX never told me about the APR. I would not want a secured card with a high APR, the XXXX XXXX XXXX never told me about the APR. However, the XXXX XXXX XXXX and XXXX both have different information on APR. Can you please have them fix the problem?! And keep my credit record clean as it was! Also, I check National Bank of Omaha, it has a proper status as + for a credit. However, the XXXX  XXXX XXXX has - as a symbol for a credit. I do not like the XXXX XXXX XXXX s symbol. It is not friendly. They need to change to + as a credit. It is more proper status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have collections that need to be removed from my credit report. The website does not work properly. I have been able to submit disputes online with the other two credit bureaus however Transunion has made it difficult to almost impossible to submit a dispute online. After one week of trying I believe I have given enough time for Transunion to fix their website.

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 2022-02-18
Company: KEYCORP
State: OR
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:
On XX/XX/XXXX at XXXX XXXX in the morning I schedule an appointment with an employee at KeyBank located in XXXX Oregon. 

I recently was a preapproved on a credit card for an auto loan and went into inquire about seeking preapproval on a loan through KeyBank. 

I explain this to the representative who is transferred over to the manager. 

I specifically asked for preapproval in which they instructed me to sign a piece of paper for this preapproval. 

After the appointment I was contacted on Friday, XX/XX/XXXX to be told that they were still reviewing my options. 

Upon this I received word on Monday that they werent going to approve any preapprovals. 

Shortly after that I was given a notification through my Phone app that this particular bank did a hard check on my credit without my authorization which will now be on my credit report for two years. 

I went to the bank to report this and they told me that the only thing I could do is send a new complaint to you. 

In addition they were not willing to do anything else. 

I wish to protest this particular inquiry and have it removed off my record. 


Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I did not get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2016-04-26
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a letter requesting validation under the FDCPA of an unrecognized collection account regarding a XXXX bill I do not owe. IC Systems ( the collection agency reporting the account ) never responded to my validation request as required 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 2022-02-18
Company: ProCollect, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing this debt for a few years I never did any types of business with the original creditor I have requested more information which I have never received

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 2022-02-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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