BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents 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 non-monetary relief
Consumer complaint received 2021-05-15
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 accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

2. XXXX/XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

3. XXXX/XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

4. XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

5. XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

6. XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX  onXX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I requested my credit report from Equifax and Experian around XXXX XXXX, XXXX. In the reports from Equifax and Experian, I found several mistakes : 1, In both, there are two XXXX credit cards but only one is actually mine. 
2, In Experian, there are two reported names but I only use one name. 
3, In both, there are several addresses that I have never lived in. 
4, In Experian, there is also a phone number that I never heard of. 
The firs issue terrifies me. I called XXXX XXXX XXXX and they confirmed that there is only one card associated with my social and name. Somewhat relieved, I filed two disputes with Equifax and XXXX in hope that they can figure out this mistake. I was pretty sure this is due to mistakes of Equifax and XXXX  because that credit card did not even appear in my XXXX credit report! 

However, when I received the dispute results on XXXX XXXX, XXXX, I was shocked. Both companies told me that they thought the report was accurate and the XXXX credit card that is not mine will remain in my credit report. 

So I called XXXX XXXX XXXX again yesterday ( XXXX XXXX ) and they ( very helpful and friendly ) confirmed that I only have one credit card with them and I am not a co-signer/co-borrower/guarantor for any other accounts. However, they can not take further steps to investigate this issue because I can not provide them the full account number of that suspicious credit card. I could only see the partial account number, not full account number in my report. Unless experian/equifax provided me the full account number of that suspicious credit card, XXXX can not do anything at that point. 

Thus, I called Experian today to ask for : 1, Full account number of that suspicious XXXX credit card. 
2, If that 's not possible, I want to have more information about the reinvestigation on how they conclude that credit card, which is clearly not mine, should remain in my credit report. 
But the customer service was not helpful at all. He first said he can not provide me the full account number. Then when I asked him to explain the reinvestigation process, he became super rude and avoided answering my question at all. Instead, he kept telling me I need to contact XXXX to solve the problem, not XXXX. When I asked him what is his name and employee ID, he hung up my call without a clue. 

Therefore, the current situation is a deadlock to me because XXXX/Equifax would not fix the obvious identity theft problem in my credit report and XXXX will not be able to help me unless I provided them with full account number which I can not get from XXXX/Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Talked with XXXX from Capital One ( would not give last name or # ). Capital One had said they had informed customers via addendum notification in statement of 'billing cycle change ' from 28 day to 25 day. Because I had no charges during that month, I did not receive statement or accompanying 'billing cycle change ' notification. I asked for copy of that 'billing cycle change notification ' and was told they can not provide one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have sent all needed information to Transunion and XXXX to UPDATE late payments to ON TIME. The response I received from the companies is that they would be updated but checking my credit report as of today XX/XX/22 no updates have been made. That is False and misleading information being given to me and the negative items being furnished to my report is damaging my credit standing.

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 2019-02-05
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:
Good Afternoon, on XX/XX/XXXX I paid {$16.00} and sent a notarized certified letter with an Identity Theft Affidavit to XXXX  and Experian regarding a fraudulent account on my credit reports. 

I received notification that XXXX and Experian received my notarized certified letter with its contents on XX/XX/XXXX. In accordance with the Fair Credit Reporting Act Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

I have paid a consistent {$24.00} over the last several months to my credit monitoring account to refresh my credit reports monthly to keep track of this issue. 

It is now XX/XX/XXXX and the fraudulent account has NOT been removed from my credit report and causing an on going hardship on me and my family because of this. I am submitting a complaint to the Consumer Financial Protection Bureau for assistance in this ongoing issue.

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 2021-05-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MI
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 turned in my Infiniti auto lease in XX/XX/2017. All my monthly payments were made at the time I turned in the car, there was no balance due. Further, I had this Infiniti Professionally detailed costing me {$220.00} prior to turning it in, as I do with all my leases, the car was spotless. The dealer gave no indication anything was owed on this car, because there was nothing owed and I have not received any paperwork or accounting from Infiniti or the Infiniti dealer suggesting otherwise.

It should also be recognized that unfortunately some dealerships have a habit trying to charge unjustified fees at the end of leases and blackmail consumers by reporting this inaccurate information to the credit bureaus until the unjustified balance is paid. 
I am requesting photos all information from Nissan- Infinti LT that would support this phantom fee of {$760.00}.

What exactly is the fee for?

Documents or photos that may support whatever Nissan-Infiniti claims this fee is for?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, PayPal close my account and they don't want me get back. 
I do not made any fraud or chargeback activity in my account. 
I check my account and everything was ok. 
is more than 180 days, no dispute, no chargeback, my account is in good standing. 

my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 have had a Capital One Platinum MasterCard through Capital One Bank, which I believe is owned by Capital One Financial Corp. I applied for the card because it had no annual fee. For years I did n't use my card at all despite having no annual fee. Months ago Capital One tack a " monthly fee '' of {$5.00} onto my card effectively raising my already high APR on the card. I called Capital One over a week ago and asked to have the monthly fee removed. The young man I spoke with said that " Because the fee is a monthly membership fee and not an annual fee, he could not remove it. '' This monthly fee seems like a sly way of not only raising my APR but also putting an annual fee on my card but in such a way that Capital One employees are not authorized to remove it. And why is it called a " monthly membership fee ''? What did I become a member of?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: AES/PHEAA
State: NV
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:
In 2017, I attempted to complete an Income-Driven Repayment play the Fed Loans for my student loan debts. Due to errors in communication between the lender and me, there was a delay in completing the application and I was late on a payment. 
The payment that I was late on was one amount. Ultimately, the application was completed and one, the monthly payment was again established at a lower rate based on the Income-Driven Repayment plan. Upon a recent review of my credit report, it came to my attention that I am reported by Fed Loan Services to have made 15 late payments. After further reviewing this reporting, I noted that rather than reporting one late payment, as I make one payment to Fed Loans servicing, Fed Loans reported that I made 15 late payments because I was late on the one amount that is paid to the lender each month. The lender does not ask me to make 15 different payments for each of my loans for which they serve, rather, one payment which the lender then distributes to the 15 individual loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX, 2019, I discovered that multiple credit card accounts were made without my authorization. I reported this issue to all three credit reporting agencies and to the creditors who had issued fraudulent accounts in my name. 
Most accounts have been resolved and removed from my credit report. 
Unfortunately, Discover card company is continuing their attempt to collect the debt that I do not owe through collection company. 
The collection agency is a law firm named XXXX and XXXX XXXX. 
They are attempting to sue me for the debt that I do not owe. An official police report and FTC identity theft report were filed back last year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
When I buy my car back in XXXX the deal was, I have to put 2000 $ down payment for XXXX $ loan and dealer said this 2000 $ will be deducted from original loan but never happens and they never give me contract to make my own signature because they do everything on computer.after I paid 25 months correctly I got in very hard time and creditor initially sold the debit and after that take it back. Now when I speak with creditor they asks me to pay more XXXX $ to seatless my account and I dont want this because they already put a lot negative stuff on my credit report and I started to pay again. After 25 months XXXX $ from XXXX $ original loan + 2000 $ down payment they still reported on credit I have to pay more XXXX XXXX This is what I dont understand how is possible to pay this much for XXXX Honda Odyssey with XXXX miles on? When creditor finally sent me contact with that virtual signature i saw total payment XXXX $ that is insane. I was to talk with dealer and he rejected me saying is to late. Please can someone help me with this problem? Thank you so much

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 2017-10-07
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been trying to make payments towards loan forgiveness for XXXX full years however my monthly payment has been set up far too high repeatedly! I used to pay {$99.00} monthly. After getting married and getting a full time position, I was XXXX prior, my XXXX now has tried to charge me between $ 667 monthly and now $ 557 monthly or {$380.00}. None of these amounts make any sense and they cant seem to get something figured out no matter how many times I call or resend via mail or fax our financial records. We have a family of XXXX, XXXX children and are both XXXX in about XXXX dollars of student loan debt between XXXX school and XXXX school degrees. My husbands bill was XXXX and mine was far higher. Why when we both have the same amount of debt?! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: SN SERVICING CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into an agreement on XX/XX/XXXX to get out of foreclosure and have made every payment on time, including the required 'good faith ' payments. The Modification paperwork was signed and returned by XX/XX/XXXX. As of XX/XX/XXXX I have not received a countersigned modification. 

The servicers website does not reflect the permanent modification. 

And, I am being charged late fees, dispute not missing any required payments since you entered the XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im 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 2021-05-15
Company: Experian Information Solutions Inc.
State: MI
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 turned in my XXXX auto lease in XX/XX/2017. All my monthly payments were made at the time I turned in the car, there was no balance due. Further, I had this XXXX Professionally detailed costing me {$220.00} prior to turning it in, as I do with all my leases, the car was spotless. The dealer gave no indication anything was owed on this car, because there was nothing owed and I have not received any paperwork or accounting from XXXX or the XXXX dealer suggesting otherwise. 
It should also be recognized that unfortunately some dealerships have a habit trying to charge unjustified fees at the end of leases and blackmail consumers by reporting this inaccurate information to the credit bureaus until the unjustified balance is paid. 
I am requesting photos all information from XXXX XXXX XXXX that would support this phantom fee of {$760.00}. 
What exactly is the fee for? 
Documents or photos that may support whatever XXXX claims this fee is for?

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 2022-01-05
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was allegedly an amount owed to an eye specialist ; however, I had no outstanding debt to the provider. After my physician left the practice, probably a year or so after I was seen, I was billed {$130.00} out of the blue through a collection agency. Again, I had NO balance due to the provider after my procedure as I had paid all charges. Now, the collection agency is maintaining their negative reporting on my credit reports, although they show it as paid. I dispute the amount was even owed, but likely paid it when refinancing my mortgage in 2019. 

They have not provided me with any proof that the amount was even owed, especially in light of the fact that this was sent to collection at least a year after services were rendered and NO BILL was received by me ; therefore, this account should be completely removed from my credit report. Theirs is the only negative mark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-07
Company: Bronstein & Weiss Arbitration
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This is basically started from a previous complaint # XXXX I filed, at that time I thought it was XXXX XXXX, but it was n't. On XXXX/XXXX/XXXX my girlfriend got a phone call from a lady named XXXX XXXX from phone number XXXX, in reference to me XXXX XXXX XXXX, this lady proceeded to tell my girlfriend that if I did n't resolve this matter, that they would turn it over to the District Attorney and have me arrested. At that point she called me and told me I needed to get to her house and talk to this woman, at which point I did. She told me that she had been contacted and had this matter turned over to her, funny thing is this is the same company that I talked to before. Incidentally she had told the whole story about this to my girlfriend and stated they would have me arrested if I did n't resolve it today. I talked to her on my girlfriends phone ( XXXX ) for approximately XXXX minutes, she told that I could be arrested because I had sent a check, which I never did and had created fraud against this Payday loan Company ( XXXX ), I basically was forced to sign a document under duress that I would make this matter be paid from my debit card, as they would no longer accept any checks from me. I will attach a file with the document in it to this complaint.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have a new hard judgement on my credit report after receiving this from Midland Credit Management. Even after paying XXXX XXXX. They even reached out to me during my Grandmothers funeral. Which I had told the same person before. They said they wouldnt contact me, now I have a hard mark on my credit report. Even after attempting to pay. They use their influence to harass and depress even more during a pandemic and my Grandmothers death. 

Per your current request, the above-referenced account has been marked Cease and Desist. While it remains due and owing, we will no longer contact you unless required by law. We consider consumer complaints a serious matter, fully respect consumers rights, and apologize for the inconvenience caused to you. Thank you again for your assistance in this matter. This communication is from a debt collector

Company response to consumer: Closed with explanation