BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I would like to dispute the following collection company " Portfolio Recovery '' which I just learned is a scam company. While in the process of working on my credit I was contacted by " PR '' regarding the debt bill. Desperate to get this off my credit I was under the impression that I owed them but after further investigation, I learned that I wasn't supposed to pay " PR '' anything and never should have paid " PR '' anything because they were never a creditor of mine nor had I ever signed anything stating otherwise. 
. 
I'm requesting that all further actions from " Portfolio Recovery '' be stopped, they can NO longer contact me, remove their name from my credit report and refund the payments that have been paid to " Portfolio Recovery '' Thank you for your assistance with this matter. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
wells fargo is malicioulsy preventing me from utlitzing a legal POA on my mother.

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 2021-03-28
Company: Experian Information Solutions 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:
XXXX offers a preapproval process on their website which does not initiate a hard pull of a consumers credit report. 

I checked my pre-approval on XX/XX/XXXX and received alerts from experian and XXXX that a hard inquiry was made. 

I called XXXX and explained that I had received a hard inquiry through their pre-approval process. They were aware of an issue and sent confirmation that they would be removing the inquiry. 

I have attached the letter they sent via XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Navient Solutions, LLC.
State: NC
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:
Navient is my student loan servicer. They are not allocating my monthly payments appropriately to principal versus interest - my balance on loans is going up, and I make payments every month. 

I have tried to contact them via phone, and all numbers are disconnected. They have also locked me out of my online account. 

They continue to take payments from my bank account and will not communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: EQUIFAX, INC.
State: MD
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:
Good Day I 've sent a letter regarding this matters and some of this has been handled however this is n't my problem. This issues are the duplication of pulled inquires on my credit report. I 've sent Equifax this information over numerous times but have not verified anything with me. I receive a letter from Equifax stating they have verified everything but never sent me anything from the companies. I 'm extremely frustrated with this matter. This will be a on going process if Equifax does not handle things on their end. I 've submitted something on the XXXX XXXX, XXXX XXXX, XXXX XXXX and now XXXX XXXX. These are the companies : XXXX XXXX XXXX X/X/2016 and X/XX/2016 XXXX XXXX XXXX XXXX : X/XX/2016, X/XX/2016, X/XX/2016 XXXX XXXX : X/XX/2016, X/X/2016 XXXX XXXX : X/XX/2016, X/X/2016,  X/XX/2016, X/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: EQUIFAX, 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied for a job with XXXX XXXX and they ran a background check through a company called Checkr. Personal information on the report was correct, except for my drivers license number, which was completely wrong. The traffic violation was also not correct - it showed violations in a state I've never lived in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$710.00} XXXX   XXXX XXXX {$670.00} XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX {$750.00} XXXX XXXX {$340.00}

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 explanation
Consumer complaint received 2018-07-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my Experian, XXXX  and XXXX   credit reports. Each credit report shows more than 10 inquiries ( 22 from Experian, 12 with XXXX and 14 with XXXX  ) that I do not recall authorizing. I understand that creditors or lending institutions are  not allowed to put an inquiries on my credit file unless I have authorized it. Please have all of the inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

I have only authorized XXXX through XXXX on XX/XX/XXXX, which is the lien holder of my auto loan, to run a credit check for my current auto loan. I DID NOT VISIT ANY DEALERSHIPS NOR DID I AUTHORIZE ANY CREDIT CHECKS FOR ANYMORE AUTOMOBILE LOANS. Those inquiries are a result of identity theft and should be removed due to possible fraud. I have extended fraud alert on my XXXX credit file. Experian and XXXX is supposed to have fraud alerts as well but when I received a copy of my credit reports, I did not see an alert on Experian or XXXX. I also have an open case with XXXX Police Department for identity theft - Criminal Report # : XXXX. 

I have tried several times to submit a dispute online on each CB website but keep running into an error stating I can not dispute online. 

I am disputing these inquiries on Experian : XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I am disputing these inquiries on XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX CXXXX XXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on XXXX : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   is also reporting a fraudulent address. I need the address removed because I have never lived at that address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, GA XXXX. This address is attached to the police report for identity theft.

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 2018-12-04
Company: Navient Solutions, LLC.
State: MO
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 student loans through Navient. I finished school 12 years ago. It was 3 years ago that I realized I still owe more than I borrowed to begin with. I called them to address this. They " re-allocated '' my payments. Another year goes by ( to income tax season when I get the form that shows how much I've paid for interest for the year ) and again, every single penny I paid went to interest. Zero to principal. I call them again and they tell me I should pay more than the minimum required. Okay, so I start paying more than the minimum required. Another year goes by, I get the form that tells how much interest I paid for the year. Again, every single penny went to interest. Zero to principal. I call them, they say, well you are paid ahead, by about a year. They tell me I can " re-allocate '' the monthly payments, but they can't put that money already paid ahead towards the principal. So I have almost a years payment ahead, but I still need to pay the minimum plus ( who knows how much ) extra to even put a penny towards the principal each month. I go online and " re-allocate '' the future payments and i set up to make a big increase in my payments. They take one payment from me and then the next month I received a letter saying they have a new company taking over my loans. I now have a new company and lowered my payment back down to the " minimum '' and have watched my principal go down each month, as it should have been for the last 12 years. I recently researched and found that a lawsuit has been filed against Navient due to cases similar to mine. Is there something that I can do to get my past loans reviewed? Are they reimbursing people? I can not find further information on the lawsuit, other than it was " filed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: American Student Assistance
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit 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 explanation
Consumer complaint received 2018-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I never withdrew any cash from my card and reported it as lost or stolen. Instead of removing the disputed items Capital one bank keep charging me interest for cash advances. After closing my account nobody willing to speak to me or resolve any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my XXXX, XXXX  and Transunion credit reports. Each credit report shows more than 10 inquiries ( 22 from XXXX, 12 with XXXX and 14 with Transunion ) that I do not recall authorizing. I understand that creditors or lending institutions are not allowed to put an inquiries on my credit file unless I have authorized it. Please have all of the inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

I have only authorized XXXX through XXXX on XX/XX/XXXX, which is the lien holder of my auto loan, to run a credit check for my current auto loan. I DID NOT VISIT ANY DEALERSHIPS NOR DID I AUTHORIZE ANY CREDIT CHECKS FOR ANYMORE AUTOMOBILE LOANS. Those inquiries are a result of identity theft and should be removed due to possible fraud. I have extended fraud alert on my XXXX  credit file. XXXX and Transunion is supposed to have fraud alerts as well but when I received a copy of my credit reports, I did not see an alert on XXXX  or Transunion. I also have an open case with XXXX Police Department for identity theft - Criminal Report # : XXXX. 

I have tried several times to submit a dispute online on each CB website but keep running into an error stating I can not dispute online. 

I am disputing these inquiries on XXXX  : XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I am disputing these inquiries on XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on Transunion : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   is also reporting a fraudulent address. I need the address removed because I have never lived at that address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, GA XXXX. This address is attached to the police report for identity theft.

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 2018-07-11
Company: FORD MOTOR CREDIT CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
On XX/XX/XXXX I leased a XXXX XXXX XXXX  from XXXX XXXX in XXXX, Arizona for a term of 36 months. Due to my declining physical condition ( Post-XXXX  ) and no longer able to drive safely. I made a decision to relocate from XXXX, Arizona to XXXX, Arizona to an independent assisted living facility. I called XXXX XXXX in XXXX to inform XXXX XXXX I was no longer able to drive safely and would it be possible to terminate the lease early and be excused from the remaining payments. In XX/XX/XXXX, I spoke to XXXX XXXX at XXXX XXXX. Mr. XXXX indicated that it would be possible to excuse the final payments if I returned the car prior to the last 3 months of the lease. I returned the vehicle on XX/XX/XXXX in excellent condition with only XXXX miles on the odometer. On the date of return a XXXX XXXX representative informed me I would be responsible for the {$1500.00} remaining on the lease. I did not have the {$1500.00} to pay the remaining lease amount. A friend who accompanied me volunteered to pay the {$1500.00}. This information was contrary to what I had been told in XXXX by Mr. XXXX ( no longer with XXXX XXXX ). I felt very humiliated and feel as a senior I was taken advantage. XXXX XXXX informed me that they were " in business to make money not give money away. '' I have written to XXXX XXXX and the XXXX XXXX XXXX which have not responded. I have also completed a Consumer Complaint Form to the Office of the Attorney General of Arizona. I returned the vehicle early based on Mr. XXXX 's assurance that I would not be charged the last three months payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Persons in charge, This complaint is in regards to a collection that has been reporting on my credit report from XXXX. I have contacted the Collection Agency in effort to rectify this debt and they refuse to resolve it by providing proof that this account is mine. 

On XX/XX/2018, I sent a validation and verification letter requesting original contract, original signature and payment history. In response, they sent me an itemized telephone bill. The proof they sent to me isnt satisfactory proof. Under the FDCPA, if the collection agency doesnt validate a debt, then they can no longer collect the payment and they are required to stop contacting me and remove the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Resurgent Capital Services L.P.
State: IL
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  has attended to collect a debt that was a result of identity theft and has since reported it to a collection agency. This has resulted is severe damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/2018 I called them caus I feel i like They are changing too high on interest. 24.15 % is ridiculously high. No XXXX and XXXX card just got in big trouble for that. I call asking them to lower it into the teens they told me the lowest I can go is 20.99 %. Still too high if you ask me. I told them I would be reporting them to you and as soon as I pay it off in a few months I will be deactivating my card and no longer using them due to their crookedness of a high interest-rates

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: C&F MORTGAGE CORPORATION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
C & F Mortgage Corporation and/or XXXX and XXXX XXXX, XXXX XXXX, Virginia including all of it officers, employees, agents, assignees, successors whether past or present failed to provide notices regarding the consent order submitted in the " United States of America, Plaintiff v. C & F Mortgage Corporation, Defendant '' case no. : XXXX dated as received XXXX XXXX, XXXX and filed on XXXX XXXX, XXXX. The Objection on behalf of the XXXX XXXX XXXX XXXX XXXX 's attest to not receiving notices. Please attached to previously filed complaint XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX card ending in account # XXXX I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: GOLDMAN SACHS BANK USA
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:
A delinquent notice was put on my credit report from this company saying for {$20000.00}. I never did make a contract or apply for this loan. I'm tried to talk to the company. They said everything for applying was all electronic and they have no proof that I took out a loan with them except for some of my information which anybody could obtain and use they have no physical proof. I believe someone fraudulently used my information to take a loan from this company.They said they sent it to a bank account I do not have. They asked me to file a complaint so they could investigate. 

The account is with Marcus by Goldman Sachs Bank and was sent to XXXX XXXX for collection. They only gave me last four digits of account number XXXX. I have called and asked for verification and documentation showing that I took out a loan from them and they can not provided because everything was done electronically. They claim the loan was issued in XX/XX/2018. Which I was in XXXX at the time. I have not made a contract or signed an agreement to take out a loan or account with this company. I would please like it removed from my credit report and deleted as fraudulent or inaccurate.

Company response to consumer: Closed with explanation