BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have some Credit cards that have not shown up on my credit as being paid on. When I contacted the companies, i.e., XXXX XXXX, I asked them why is it that you reported to XXXX  I made my payment if XXXX but not the other two. The contract that binds between the credit card company and the credit card holder specifically states the credit card company will report to all three credit bureaus. This is not the only company I am having problems with. It is directly affecting my credit score. When I asked XXXX XXXX to show me and ask for proof that they did report to all three credit companies they refused to provide me with any proof.

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 2018-10-23
Company: Experian Information Solutions 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:
XXXX XXXX XXXX is reporting an unpaid loan on my credit report. This particular loan is the sole responsibility of my ex-husband, XXXX XXXX XXXX. I have disputed this account several times, but XXXX XXXX XXXX refuses to take it off my credit report. I am attaching documentation that proves that this account is his sole responsibility.

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 2019-05-20
Company: Experian Information Solutions Inc.
State: PA
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:
Experian has listed for several years a old account from XXXX that was opened up in my name, and unauthorized purchases were made, I demanded XXXX/XXXX to remove and close ... I filled out in XXXX of XXXX a fraud packet, and they closed it ... then they began reporting it to Experian again in XXXX stating that it was a current negative account, 100 % erroneous info ..Experian has yet after 3 years of attempts to remove it, even after I sent them a copy of atty general office of Ohio, their home corporate state, XXXX of XXXX that required XXXX XXXX XXXX/XXXX to remove the account ... they still are reporting it as a recent negative account///absolute fraud this account was closed in XXXX of XXXX ... not recent, and it was closed due to my complaint of fraud ..

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 2021-10-12
Company: CARD Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Back in XX/XX/2020 XXXX XXXX  from XXXX offered free information to improve my son 's credit in order for my son to buy his house ( XXXX XXXX house ) he recommended to buy from card.com, he then asked for repairs to be done in his house repairs that we did with with the promise of free information but repairs costs were going to be reimbursed from XXXX XXXX, all the information from him was sent from his official car.com email and his cellphone, everything seemed legit until he sold the house to us and never paid the repair in specific one garage coating for {$1600.00} ( invoice attached ) ( emails from XXXX XXXX and text messages attached ). When XXXX XXXX was requested to pay he sent an email to someone else with card.com where he asked to block our email address to avoid the problem. ( email attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
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: Was not notified of investigation status or results

Complaint:
After several attempts to send my FTC fraud report the CRA 's have failed to process orcorespond with me regarding the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
After several attempts to send my FTC fraud report the CRA 's have failed to process orcorespond with me regarding the matter.

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 2021-10-12
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
( 1 ) On XX/XX/21, I was charged a recurring fee of {$6.00} by XXXX, which overdrew my account by {$6.00}. This was paid by the bank. 

( 2 ) On XX/XX/21, US Bank charged me an OD fee of {$32.00}. 

( 3 ) On XX/XX/21, I deposited {$10.00} -- an amount which would have been sufficient to bring my account into positive status had the {$36.00} OD fee not been charged to my account. 

( 4 ) I opted out of Courtesy OD protection upon opening the account. I have always been in opt-out stauts.

( 5 ) On XX/XX/21, I spoke to XXXX at US Bank for a waiver of the {$36.00} OD fee. It was not approved. 

I am requesting that the {$36.00} OD fee be waived. {$36.00} is unconscionable for an overdraft of only {$6.00}. OD fees should be progressive and not result in a forfeiture.

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 2018-10-23
Company: GB Collects, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a call today from GB Collects, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ph XXXX XXXX XXXX. They told me my husband owed a medical bill from XXXX XXXX from XX/XX/2017. I told them this was not possible as we had no XXXX  XXXX in XX/XX/2017. He continued to insinuate I owed money and was probably in trouble. I asked for the social security number the medical bill was for, he did not have that info. I told him he was mistaken and I felt he was a scam. He tried calling once more, I did not answer. 

I saw one other complaint on this company for repeated calling to seniors about debt no owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im a XXXX adult on my credit report is said that I opened up a XXXX account on XX/XX/2020 and it was last reported on XX/XX/2020 The company that is reporting this debt is Enhanced Recovery Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
After several attempts to send my FTC fraud report the CRA 's have failed to process orcorespond with me regarding the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 2021-10-12
Company: LEXISNEXIS
State: IL
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:
LexisNexis Violated my right to privacy pursuant to 15 USC 1681a ( 4 ) by sharing my private, personal bankruptcy information and has infringed upon my Consumer rights to privacy. LexisNexis did not have a permissible purpose nor written instructions to furnish my personal and private banktruptcy information to any consumer reporting agency which they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity threat when I talked to the creditor. I told them there are several different variants of my name sent to my address. I have also sent in multiple letters asking them to validate the debt which they have yet to do. I have went through the credit reporting agencies and have been unsuccessful in my dispute along with my police reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: AES/PHEAA
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is fraudulent. I've never attended college. I have tried to resolve this multiple times but XXXX XXXX XXXX will not help me. They have intentionally destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicing was transferred from XXXX XXXX XXXX to LoanCare LLC. on XX/XX/2021. The transfer documents stated payments due on or after XX/XX/XXXX should be paid to LoanCare LLC. However, I made a payment of {$3800.00} to XXXX  XXXX XXXX through an automated payment system on XX/XX/2021 for my payment due XX/XX/2021. After the loan was transferred, my statement for LoanCare LLC also showed that I owed a payment on XX/XX/2021. I later made this payment a second time to LoanCare LLC on XX/XX/2021 in order to avoid late fees. 

On XX/XX/2021 the escrow ( {$550.00} ) and principal ( {$1300.00} ) portions of my XX/XX/2021 payment to XXXX XXXX XXXX were made as payments to my loan on my LoanCare LLC account. However, the interest portion of the payment ( {$2000.00} ) never appeared. I contacted both XXXX XXXX XXXX and LoanCare LLC via their customer service lines on XX/XX/2021, however neither company was able to fix my issue. XXXX XXXX XXXX stated that the payment was applied to the loan at the time of transfer, as it was made before the transfer date of XX/XX/2021. LoanCare LLC said that this payment did not show up in their records, and advised me to contact 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 explanation
Consumer complaint received 2019-05-19
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Borrowed student loan funding from Navient back in XX/XX/XXXX for my sons pursuit of a degree from XXXX XXXX  University. I believe Navient placed me in a risky and expensive subprime loan. The loan doubled in principle as I experienced hardship in the economic downturn in XXXX. I was lead by Navient to multiple forbearances that incresed to overall cost of their loan, instead of telling borrowers who did finally obtain repayment plans costly and un-affordable increases to their payments. In the end, I have been forced to repay far more debt than actually owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My previous complaint number XXXX filed on XX/XX/2019, is related to this complaint. On XX/XX/2019, I called NFCU and left a message that I want in writing a letter stating that the credit card charges were an error reposted by Navy Federal Credit Union and the charge should not have been reposted to my account. This assures me if the charge is ever reposted by Navy Federal I have documentation to support removing the charge. On XX/XX/2019 I received a call from XXXX a Navy Federal representative stating the charge was removed. I informed her I want it in writing and left a message for the representative. XXXX said she would follow up with the representative to insure a letter was sent. I have heard nothing back from XXXX or the representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: PLANET HOME LENDING, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
immediately after closing on our house, our mortgage was sold to a mortgage servicer ( Planet Home Lending, ) a year into paying our mortgage, PHL sent a letter w/ the mortgage statement saying that we needed to pay {$340.00} more than our mortgage payment because our escrow was short. We paid it & then the next month, we got the same letter w/ the statement asking for another {$340.00} for the same reason, we paid it. The next month the letter w/ the statement asked for {$290.00} over our normal payment. We paid it. The month after that, we received a letter stating that our new monthly payment would be {$1300.00} as opposed to our payment we normally paid which was {$1200.00}. Being that I was a XXXX XXXX XXXX  myself, I caught the error, I could tell that when they were estimating the taxes, they looked at the previous year. The previous year the house was owned by an investor so the taxes were over double what we pay with our homestead exemption. I called them and spoke to customer service and explained what I believed had happened as well as sending them the actual tax bill for the current year showing much less than what their letter stated the taxes would be & they told me they would do an escrow analysis & get back to me. The responded that their analysis showed that they were correct & we would have to pay {$1300.00} from then on. Even though I still knew they were wrong, we went ahead and paid what they asked because we didn't have time to fight them over it. After over paying our mortgage for over a year, I finally had enough & I went through and created a spreadsheet showing their statements, our payments, the escrows etc ... my spreadsheet showed very clearly they were over charging. I sent it to the VP of finance. Within a month she sent us a letter stating : " At this time we are reviewing the loan to ensure a thorough response, upon completion of our research, we will respond to your inquiry within any timelines required by applicable law or regulation. '' That letter was dated XX/XX/XXXX and today is XX/XX/XXXX and we still have not heard from anyone. They did however drop our mortgage payment back down to where it originated and actually {$3.00} less, yet they follow that up by saying we'll have to pay {$45.00} more the month after that. Still no explanation, apology or reimbursement for the {$980.00} they over charged for the 1st 3 months they miscalculated our taxes/escrow or the {$84.00} a month they over charged for over a year. I tried to contact the VP that wrote the letter saying she'd look into it, she said I would have to contact customer service & customer service refused to speak to me. I tried calling them 3 times today & each time after being on hold for a while their end hung up on me. I have the spreadsheet, their letter and all our mortgage statements and escrow information available if you'd like to seem them. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Bull City Financial Solutions, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is my second complaint regarding this company. When I checked my credit report and saw I have a collections account from Bull City Financial Solutions. I sent this agency a letter on XX/XX/19 and again on XX/XX/19 asking they validate the debt. The agency has not replied to any of my letters but yet continue to report the account to the credit bureaus as negative. I filed a complaint on XX/XX/19 regarding this issue and the company responded on XX/XX/19 stating they sent me validation. That is far from the truth. This agency has NEVER sent me anything. I have reached out to them numerous of time to validate the debt but with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IQ Data is claiming that they can not address this issue with CFPB because I have retained an attorney. There is no indication of that in this complaint Ref # CFPB XXXX. This is simply a dodge to not address the issue of the complaint that the debt is not valid as the person filing it did not have the authority to do so, I submit the small claims case as evidence that this person is the same as that filing the collection.

IQ Data has been attempting to collect on a debt for the past four years that was signed and forwarded to them by one XXXX XXXX representing XXXX XXXX XXXX, XXXX  XXXX XXXX, and XXXXXXXX XXXX XXXX  XXXX XXXX. On XX/XX/2019 XXXX XXXX stated, under oath, that she did not have the authority to attest or sign legal documents. She was only the community manager. The debt claimed by this collection agency was signed by the same XXXX XXXX and was based on legal documents of an alleged debt by, once again, XXXX XXXX. The debt is either invalid or the entities above have perjured themselves in court. The debt is in either case invalid and not verifiable. The collection agency would need to provide another signed document by an authorized party, from the inception of that debt or else remove the debt from all bureau reports. Enclosed is the case number and hearing information where I was required to refile against a party with legal authority. XXXX XXXX was present as the defendant for the entities and not qualified by her own admission to being a legal authority to handle financial matters for the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We submitted every requested documents to Select Portfolio Servicing but it seems that they are asking for documents on a piecemeal manner thus prolonging the short sale process. It appears that they are not seeing the urgency on our case as they will just say that they need another 30 days or for every document that they ask and receive from us. We have a very good offer on hand and there's a tendency that the buyer might walk away because of the prolonged process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation