BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  & on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a dispute with XXXX in reference to a debt collection company called Portfolio Recovery Associates and the results of the dispute stated that the debt was verified. In the dispute letter that I sent to XXXX I speciaffically stated the following : " Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately ''.
According to letter I sent and the law they are to provide me with a original contract and I have not recived it. XXXX reported that is was verified and that the company was not required to send them any documentation verifiying the debt. I then contacted Portfolio Recovery Associates and they said that they did not have an original contract and that they did not have to provide the contract to me or the credit bureau. According to the FCRA it is required by law by the collection agency and XXXX to provide the original signed doucuments proving that this is my debt. All I want is the proof and if they can not prove this is my debt I would like it to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: WI
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 Fair Credit Reporting Act XXXX XXXX account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 Fair Credit Reporting Act XXXX XXXX account # 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

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 2017-10-03
Company: Oklahoma Student Loan Authority
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I attended XXXX XXXX University for a total amount of one semester in 2015. I do not recall signing anything for student loans besides FAFSA paperwork. About a year or so after I stopped going to XXXX XXXX, I started receiving phone calls and emails about a student loan that I did not have any knowledge of signing up for. I asked my mom who was in control of my educational financing and she also could not recall applying for any loans except for the FAFSA. The company that is issuing the 3 loans I 've seen is XXXX XXXX XXXX XXXX. I have contacted them several times to start a repayment plan after seeing that it was a delinquent account which scared me. It has effected my credit score causing it to lower significantly and I just want to be sure that its a legitimate loan and not a scam as I have fallen privy to in the past. I do not remember specific dates that I spoke with them, however I have received two letters in the mail in the last 2 weeks that are statement balances and requests for payments. I have made 3 payments of {$50.00} in the last couple of months. I just need to know if I really signed up for the loans or not. I am young and uneducated on how these things work and I want to be sure I am not being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I Have recently had my identity compromised ( or just recently found out about it ). My unemployment was defrauded in the the Sate of New York. Than I found out that someone is using my name and personal information to obtain a state id in the state of Pennsylvania. I now started moderating my credit and seen that there is a Fed Loan, XXXX XXXX in my name for {$43000.00}. Opened up XX/XX/2020. I reported it to be fraud to credit XXXX and called XXXX and XXXX etc. I was told I need to make a report here. I am trying to get this figured out. I have reached out to Fed Loan Multiple times and Have not been able to make any progress with them despite even taking off from work to spend XXXX hours waiting on the phone with them. I am current on my student loans on all my payments. I have never been sent any correspondence from this Fed Loan Company and our have done any business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Credit Karma, LLC
State: CA
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:
Credit Karma refuses to help or acknowledge the issue of my dispute status on 6 disputes started XX/XX/2018 are still pending and not able to correct. Credit karma said to contact XXXX XXXX XXXX XXXX XXXX denoes seeing the issue even though I can show screenshots where it shows its been stuck fornover a year and half now. No way to get hold of anyone to help at credit karma. They are useless with email. No resolution at all. I have tried for a long time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Radius Global Solutions LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted the company on XX/XX/2019 to pay the full balance of {$510.00} which is the documented amount. I spoke which a woman name XXXX who told me a higher balance. She typed in the information through a automated system, and tried to process the higher amount. The system clearly stated that it could not process the balance she typed in because it was over the amount. She went through the process again, and put in the correct amount an as I was keying in my expiration date she disconnected the line. She was so stupid, because I could here her movement after she disconnected the call. I called back and the second XXXX didnt even attempt to assist me. She told me who I spoke too, and immediately transferred the called back to the woman XXXX. I asked her what the issue was and why was it taking so long to process the payment. She said she didnt know what the issues was, and I asked to speak to a supervisor. Before the woman transfer the call, once again like the complete incompetent XXXX that she is forgot to put me on mute and I could hear her laughing before transferring the call. I was transferred to the floor supervisor and explain to him what happened, and he started reading the script and when I told him the situation needs to be addressed he tells me that it doesnt matter the debt still has to be paid. I want to speak to his superior and I want my account removed from this agency. If they fail to comply I will file multiple complaints and seek legal action for negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: AMERICAN EXPRESS COMPANY
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 spoken with and sent letters and a certified letter to American Express ( see attached ) to stope calling from spoof numbers and hanging up. I explained that I called the numbers back and was informed by the representative that it is American Express and an attempt to collect a debt. 
Today, Saturday, XX/XX/2019, I called and spoke with another representative of American Express collections department ( XXXX XXXX XXXX ) and informed him that I was recording the phone call and that I am requesting the discontinuance of the harassing phone calls in an attempt to collect a debt. I also informed him that I have called and sent certified letters in the past. The representative stated that he would put in a request to stop calling and only send letters ( I have heard this before ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: Lending Club Corp
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have personal loan with LendingClub ( account # XXXX ). I refinanced my house, as part of that refinance, my bank ( XXXX XXXX XXXX XXXX ) paid off this personal loan. A check for the amount of {$12000.00} was mailed overnight on XX/XX/XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The check cleared on XX/XX/XXXX but was never credited to my account. My account has a non-optional autopayment that comes out every month on the 24th. As my payment date approached and the account was never credited, I called the customer service line but was told that it could take " 10 to 15 '' business days for my account to be credited. After the auto-payment came out on the 24th I contacted customer service again, this time well outside the " 10-15 '' day window. After explaining the situation, the customer service agent spent some time looking into it but was never able to resolve the issue. They escalated my issue by " submitting a ticket '' to their " treasury department '', this was on XX/XX/XXXX. I was assured that someone from their " treasury department '' would respond to me within XXXX hours. After XXXX hours came and went without a response, I contacted them again. I gave the customer service rep the exact same info I had already given others several times and all they could do is submit a ticket to treasury. It has now been XXXX weeks since LendingClub deposited the payoff amount for my loan but they still continue to take autopayments and charge me interest. It has been 10 days since my " ticket '' was submitted to their treasury department and I still have not had XXXX single communication with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identiy theft. In pursuant of the FCRA section 605b I am in need of the removal of the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : 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 non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The only way to protect myself after the Equifax breach is to place a credit freeze. It is absurd that the XXXX major credit reporting agencies are allowed to charge money to initiate these freezes. There is no way to opt out of their data collection, they obviously can not keep that data secure, and they want me to pay my hard earned paycheck to each time I need to freeze ( and each time to unfreeze ) my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: NM
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 reason of my dispute is because account XXXX XXXX XXXX Account # XXXX needs to be deleted because this ACCOUNT IS TOO OLD TO BE ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ocwen Loan Servicing put a {$500.00} charge on my monthly payment for : XXXX XXXX XXXX XXXX XXXX. They said this is for vacant properties. This property is not vacant, the house is owner occupied and currently occupied. The house is not in foreclosure. They can not explain why they charged this fee. No inspection was made, and Ocwen states there was no reason for any such inspection to be made, yet the fee remains.

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 2022-10-14
Company: BMW Financial Services NA, LLC
State: CA
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 submitted documents to show a 90 day late on an account that was closed for multiple years. The information on the account was incorrect. 
I submitted certified letters requesting transactional information regarding the sale of the vehicle by the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Best Buy credit card was charging a debt protection fee. I shouldve cancelled earlier, but I wasnt aware Im needing a refund for the amount paid into this fraudulent fee

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 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i have been sending letters to the cras ( TRANSUNION, XXXX XXXX XXXX to get this matter corrected since XX/XX/2021and they has done nothing or responded to my letters, it has been more than 30 days without no response.i am complaining about the inaccurate bankruptcy that they are reporting and won't delete it from my credit report.i even sent more letters off on XX/XX/2021 about the same situation and i am getting stress out behind this cause i am getting taking advantage of. they wont update the inaccurate personal information either.

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 2021-10-31
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:
On XX/XX/2021 I sent a certified letter to Transunion regarding inaccurate reporting on my credit profile for the account XXXX and method of verification, they did respond and said this account was verified. Transunion has never updated or properly investigated this account because the inaccuracies has remained which is a Violation. I have provided documentation that they have never changed and remain to report inaccurate obsolete information This is illegal and unfair credit practices. They have not responded to any of my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a loan modification offer from Select Portfolio. I had until XX/XX/22 to send in the sign agreement. Since I had been struggling to pay my mortgage due to income reduction for quite sometime, I was forced to file XXXX  XXXX. While trying to pay a mortgage and an extremely high Trustee payment I took a part time job which ended due to Covid 19. I was finally told I could enter a forbearance. Later I was given the modification. As of today my account hasnt been updated. I called to speak with a mgr and I was told that the information that I sent in signed and notarized was incomplete. After calling numerous times and getting the runaround, XXXX months later and no contact from sps, finally to let me know that a page hadnt been notarized. I have to do this all over again and pay again to send it to them. When I asked why no one had contacted me about this, she could not give me an answer. In the meantime my attorney & The Trustee are asking for the paperwork from them. This company has representatives that you can talk to on the same day and each one will tell you something different! I have been back and forth with Select Portfolio for years just to ask something simple and they tell you what they think will get you off the phone quickly. The handling of this is very unprofessional. I asked about the mortgage payments that I had been sending. At first she only saw the one I sent in XXXX. She finally found the one I sent on XX/XX/XXXX, but never answered my question whether it went toward the modification agreement terms. When I go online it shows that they are updating my file and had received my signed agreement. I just dont understand how they just get away with this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I went to XXXX XXXX in search of a car lease within a week of my bests friend going to the same company and getting a lease. We had similar credit and a similar situation when we applied for our loans. We both had co signers. Our credit was actually better than there 's. We walked away with a XXXX XXXX XXXX with a {$290.00} payment for 36 months with a XXXX mileage cap. My cousin walked away in a XXXX XXXX XXXX XXXX with a {$270.00} payment for 36 months with a XXXX  mileage cap. I have asked the company how it is that we both were there within a week and managed to have such a difference in our mileage caps. No explanation. In my opinion this is unfair and unjust. They should be required to offer the same lease terms to borrowers in similar situations.

Company response to consumer: Closed with explanation