BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-21
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
To CFPB After many attempts and request for Experian to remove inaccurate personal information from my report as required by Federal and State law, ( old inaccurate addresses ) they have refused to obey the law, we have sent multiple request by letter and also by certified letters and their response has been less than intelligent therefore, after speaking with you yesterday and the research you did to find if Experian has a history of this abuse and finding that you have had hundreds of complaints against them and also, I filed a complaint with the Texas Attorney General 's office, XXXX XXXX who did a preliminary search while I was on hold and found that there were multiple hundreds of complaints made against Experian as well my attorneys are now preparing the paperwork to file a major law suit against Experian for their abuse of Federal law, my attorneys noticed that Experian has multiplied the old inaccurate addresses on my report many times to the tune of 13. Therefore, and because of this abuse we will sue them in the amount of {$1000.00} per old address ( 13 total ) for my time in having to deal with this ( {$10000.00} ) court cost and attorneys fees.

We will also be issuing a public bulletin in addition to my law suit against them to prepare to file a class action law suit as well.

I do appreciate you sharing with us the fact that you have, in the past, fined Experian XXXX XXXX dollars for misrepresenting peoples credit scores and we urge you to fine them again for their many abuses on my and others.

We have all their responses and will present it as evidence against them in court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: OneMain Finance Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In the Fall of XXXX, I obtained a loan from OneMain Financial located in XXXX, Alabama for around {$3500.00}. In the process of getting the loan, i set up monthly payment to be withdrawn from my bank account. 
I refinanced the loan, at the request of the OneMain Financial reps in XX/XX/XXXX. Things were going great until XXXX XXXX. This is when OneMain Financial quit taking the money out of my account. I never noticed this because it was my account i was using just for them. I was told that they would just take the money out of the account on a regular basis. 

I started receiving phone calls from them in late XXXX, about the account. 
What worried me is that when the people from the XXXX office would call, they were rude and disrespectful. XXXX from that office called me 5 times within a 3 minute time span. When i finally answered, i explained to her that it was illegal to call me so many times and I could would. XXXX explained to me that she could call me when ever she wanted, how many times she wanted. The people from that office started calling my phone and hanging up in my face when i would answer the phone. 

I want my debt dismissed because i have tried paying them but they are relentless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hello and I have submitted multiple disputes to this case and has not yet resolved the problem I have in my bureau of experian 2 months late payments XXXX and XXXX I have never had late payments with the company XXXX XXXX Account closed always been punctual in my payments I have the account statements that confirm my punctuality with payments to XXXX XXXX please update my payment history ..

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 2018-06-14
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$150.00} was deposited into my checking account and the teller advised the funds would be available on the same day however they were not. I called the bank and after being hung up on twice and have agents on the other end of the line not respond 3 times when I finally did get to speak to someone I was told there was nothing that could be done because theres no record of the deposit. I was also badgered by an agent who asked for my social security number, joint name on the account and because I was unable to tell her the amount of my last deposit amount she refused to continue the call, she would not ask any other verifiable questions and advised no supervisor or manager was available after I requested to speak with one. Compass employees took no concern or interest in my missing money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
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 was late 30 days during XX/XX/XXXX paying CAP1/SAKs credit card in amount of {$43.00} due to moving and changing banks ( From XXXX XXXX XXXX to XXXX ). I assumed that the account was in automated payment, but when I switched banks, I missed switching it. As soon as, Saks Rep called me notifying that my account was late 30 days in XX/XX/XXXX, I paid the account in full and since than the account has been current or {$0.00} balance. I'm in process of buying a new construction house of {$610000.00}. My credit score is impacted negatively ( 15 points ) due to late payment of {$43.00} .During XX/XX/XXXX, I called twice, Saks customer credit reps asking to remove my late payment history of XX/XX/XXXX. They both said they can not go back 2 years in their system, therefore they advised me to submit a dispute directly with credit bureau. I did submitted a dispute with XXXX during XX/XX/XXXX and XXXX Dispute Report concluded that Saks creditor refuses to remove my late payment history of XX/XX/XXXX which contradicts what both Saks representatives told me. I believe, I'm mistreated by CAP/SAKs representatives, they lied to me and I will waist a lot of money in high interest mortgage for only one miss payment of {$43.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am a single mother and work full time for the XXXX XXXX XXXX. I work 60 plus hours per week. I have four private student loans which are now owned by Navient. I have been paying on my loans since I graduated with my XXXX in 2009. My federal loans qualify for the income based repayment option. These four private loans are placing myself and my family in a hardship and Navient is not willing to work with me. I am currently paying {$310.00} per month. I had to let the loans default for months due to Navient not willing to work with me. Six months ago, I was paying {$250.00} and after the six months, they raised the rate and it will increase again in XX/XX/XXXX. I call every six months and are insulted by their workers. I am in tears at the end of every call and am told " This is not our problem. Get a second job. '' I am told that I need to work more to pay the loans when I am calling to try and get a lower payment.

They do not apply my automatic payment correctly each month. I have to call each month because I am getting threatenting calls and once I call, the automatic payment is applied correctly. My Navient account shows loans as past due when they are paid. In XX/XX/XXXX, they withdrew over {$700.00} out of my account without my authorization. I called and they refunded the money to then turn around and take out over {$400.00}. They give no clear statement as to why a certain amount of money is taken out. I call and one person gives me an amount to pay, I sign up for the program and then I am told by another that the loans dont qualify for that program and owe more money.

After my mortgage and all bills are paid, I have {$100.00} to my name. I work hard and have no time in a day for a second job. I am sometimes in the negative each month due to Navient. I did not know what I was signing up for when I took out Private Loans. The payback process was not explained to me when I was trying to put myself through school. They have taken money out of my account without authorization and when I call, they tell me that I have to make that payment or I would be taken to court and my paycheck would be garnished.

Navient harrassess and bullies people. I am considering bankruptcy in an attempt to file for undue hardship becasue of these loans. I try and work with this company and try and pay what I can. They are not willing to work with anyone and steal money. I will never see the end of these loans. The amounts that are now owed do not make sense and I am always having to pay a different amount and when asked why, I am told thats the amount and either I pay it or be taken to court. My family members are witness to the harrassment and bullying. I am willing to do anything to seek help. Navients practices are not ethical and they should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a notice that my credit score went down from a debt in XX/XX/2011 and have never received anything with regards to this debt. The debt was turned over to a collection agency and it is hurting my credit score I have worked so hard to build.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
SOUTHWEST CREDIT SYS reported a debt for {$140.00}, original creditor was XXXX. 
I don't recognize this debt, we have not worked with this company in about 5 years and the debts were paid in full after services were ended 5 years ago. 
I never received any debt verification for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
XXXX ACCT # : XXXX RUSHMORE LOAN MGT SERVICES LLC I have been trying to close this acct for 4 months, receive the Lein, and have the HELOC reported as Paid in Full to the credit bureaus. The attempts have been made verbally, faxed in and submitted their Equity Line of Credit Change Form 3 Times having written 3rd Request in Red on the last form submitted. 

I called the company on XX/XX/XXXX and s/w a HELOC customer service rep and repeated the above scenario. I told the Rep that if the HELOC was not closed, I would report it to the CFPB. The Rep stated he s/w the Payoff Dept and I would received the cancelled Lein advising the closed HELOC within 3 - 5 Business days. As of yet, I have not received anything other then another letter requesting I once again, complete the Equity Line of Credit Change Request Form. 

Per the attached, you will see a Zero Balance and Credit of {$75.00}. The credit was to be applied against their {$74.00} Recording Fee. The funds were submitted to Rushmore via  Bank check ( XX/XX/XXXX ). 

I have never received such poor customer service and the run around in trying to get this reported as Paid in Full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX keeps selling this 11 year debt to a collection agency that keeps reporting to all 3 credit reports as a recent debt and refuse to provide proof of debt and validation of debt, ie. contract, identification used to open account, date opened or last date paid given that they are reporting this debt and it is 11 years old. I want it removed. XXXX XXXX in amount of XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX MN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
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 reached out to XXXX  by telephone and their online customer service center. I only get a automated system that states a representative will call me back. When the call back happens as soon as you answer it hangs up. When submitting requests thru the online customer support it sends back a generic message and tells you to login to view details. My loan balance is incorrect and not reporting to my credit correctly. I have tried to call at least 10 times and have sent in 5 requests. Please help me resolve this.

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 2018-05-11
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have tried calling Sallie Mae to make over the phone payments but they say they can't take partial payments and that they don't have my account anymore but can't tell me who has it now. They want me to pay {$420.00} a month when I am unemployed due to having XXXX kids at home and the cost of daycare. I am in {$30000.00} debt because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Applied for an installment loan to purchase a new XXXX and was denied because I 've filed for bankruptcy 3-1/2 years ago. 
I 'm NOT able to file for another bankruptcy until 2020, so where is the risk on a 2 year loan..? 
I 'm sick and tired of being treated like a criminal or delinquent. 
The bankruptcy law is there for those like myself that due to an economic downturn ( for which we were NOT responsible ) did fall behind on our dues. 
There are individuals, using corporations, that make a living ( and fortunes ) using the same law. 
My credit score is now up to almost XXXX points. 
Is this a case of blatant discrimination..?? 
Financial institutions like Citizens One do not deserve to be part of our community.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of 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 2019-09-09
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: Account information incorrect

Complaint:
I have reached out to XXXX by telephone and their online customer service center. I only get a automated system that states a representative will call me back. When the call back happens as soon as you answer it hangs up. When submitting requests thru the online customer support it sends back a generic message and tells you to login to view details. My loan balance is incorrect and not reporting to my credit correctly. I have tried to call at least 10 times and have sent in 5 requests. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Bread Financial Holdings, Inc.
State: NJ
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:
In XX/XX/XXXX I was falling behind on my XXXX XXXX/XXXX XXXX credit card. I called the company and asked what did I have to do to bring my account current. They had told me that if I had pay {$200.00} today and set up automatic payment that it would bring my account to a current state. So this is exactly what I had done, I paid {$200.00} on XX/XX/XXXX and had automatically taken out payments. The account is now a XXXX because I had paid it off. My problem is that they are reporting multiple 120 day and 90 day lates, even though I made payments for those months. I had called the company multiple times and they told me to report it with the credit reporting agencies as a dispute, which I did. Each time they came back as verified, even though I sent in my bank statements and the VS statements showing I had made payments for those months. 
Then a month ago I had called XX/XX/XXXX instead of XXXX XXXX customer service and the lady I spoke to told me they would remove all of the lates from my credit report, that was over 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: ALLY FINANCIAL INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/15, I reported a fraudulent charge of {$670.00} debited by XXXX XXXX to the disputes department of Ally bank. I went on to explain that I had not contacted XXXX to initiate the charge, had not signed up for automatic billing of any kind and do not have account with them. I was issued a provisional credit in that amount while the disputes department investigated the matter. 
Nearly three months later, I received follow-up from the disputes department dated XXXX XXXX. The letter states that the charge " ... .was authorized and correct. '' Upon receipt I reached out to Ally to receive an explanation. To date, I have not been provided a definitive answer as to why this charge is considered valid. To add insult to injury, I received a letter dated XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX, a collections agency, seeking payment in the amount of {$690.00} on behalf of their customer Ally Bank. 
On XXXX, I reached out to Ally and requested to speak with a supervisor. The call was forwarded to XXXX XXXX. She confirmed that the I may submit documentation to disprove the merchant 's XXXX rebuttal to the initial dispute once I receive yet another letter in the mail ; however, I am not sure how long this process will take or what impact this will have on my credit since this matter has already been forwarded to a collections agency. 

XXXX Resolution : I would like for Ally Bank to remove my account from collections and allow me the opportunity to properly resolve this matter by working with them and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have had on ongoing problem with EXPERIAN and an account they have on my credit report. The account is XXXX XXXX XXXX # XXXX. I have, on 4 occasions, written them disputing this account and its validity. I have REPEATEDLY asked them ti send me ANY document with MY SIGNATURE on it authorizing this account. They have ignored all requests for this proof and just say information is " verified ''. 
Under the FCRA I'm entitled to see proof, my signature, that this account is valid and mine.

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 2016-05-28
Company: ALLY FINANCIAL INC.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
ALLY Financial continues to report an old, disputed account from a divorce dispute dating back to XX/XX/XXXX to XXXX. They sustained no loss when the vehicle was sold and the account paid in full and as a courtesy to a good ALLY/GMAC customer dating back to XX/XX/XXXX, I simply want this account deleted as it is not a valid picture of my credit worthiness.

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 2019-09-09
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I was charged {$280.00} incorrectly by XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ). I contacted XXXX, and was able to correct the information, and was sent a letter by XXXX XXXX from the XXXX XXXX office on XX/XX/2018. He informed me this was also being sent to all 3 credit reporting agencies, and should be removed in a month 's time. It is still on all 3 credit reports, and I am unable to have it removed.

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