BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  accounts from XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX  XXXX ; XXXX  XXXX XXXX  XXXX XXXX XXXX Data XXXX ; XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a car loan with Capital one. They charged me 12 % interest on the loan. I have been making my payments as required with additional principal. The bank is posting my additional principal payments to interest. That means they are recording my account payoff to the credit bureau wrong and falsely reporting their revenue and AR balance to the Treasury and SEC. False reporting of your financial statements is a violation of XXXX XXXX. Who corrects this because the bank is just going along like nothing is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: ORG GC GP Buyer, LLC
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has ruined my life because of their dishonesty. 
They initially told me that it would be {$600.00} on top of my garnishment to get out of default, an amount I could not afford. 5 months later that amount dropped to {$160.00}, which made no sense. 

When I asked if I had any recourse, if there was any XXXX I could go to to dispute this, they blatantly told me no, I could not appeal. 

Had they quoted a manageable number to begin with, I would be out of the garnishment and would have avoided XXXX I have made this year. 

I was not getting any of their communications -- including the ones warning me of the garnishment. I had to tell them XXXX times that my address had changed. 

Two days ago I asked if they could delay my payment 4 days. They agreed. I recorded the phone call as proof. It came out of my bank account as scheduled anyway. This will result in all kinds of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: NATIONSTAR MORTGAGE LLC
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received notice that my account was past due! I had payment set up with my bank to sent payment each month, and my insurance payment was sent from my credit union account each month. I paid the taxes when they come due. 
In XXXX my payment was returned to my bank no explanation. I contacted my insurance company and payments were sent for period on time. then in XXXX of 2015 the mortgage company sent my insurance company a payment of {$1600.00} which is the total insurance on my property for one year. Then they increased my payment from XXXX to {$590.00} which is an increase of {$380.00} - if you divide the {$1600.00} by XXXX you come up with an amount of {$130.00}. What happens to the additional {$240.00} that they are charging. 
So I sent a letter to the Nationstar Mortgage company w/return receipt requested. Wanting to know why my payment went from {$280.00} to {$590.00} ( I called several times leaving my name, loan # XXXX and a contact number for them to contact me. Never heard from them. ) The registered letter was signed for on XXXX XXXX by XXXX XXXX still no phone call or explanation of why my bill is doubled what it should be. Had they left it alone I was making my house payment out of my bank account, and the insurance payment was automately made out of my savings account. This company has messed with my account and now I do not know what is going on. I am putting a CASHIERS CHECK in the mail for {$2700.00}, which is what they state that I owe. I want an explanation of the charges. that this covers along with an explanation of why they are messing with my account. I have called several times and still can not reach anyone. How can they take over my " LIFE '' by not contacting me or explaining these charges. I want to receive a phone call from someone along with an adjustment on my accountThanks for your help

Company response to consumer: Closed
Consumer complaint received 2019-12-25
Company: TOYOTA MOTOR CREDIT CORPORATION
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 and on XX/XX/XXXX of 2019 per certified letter with tracking # XXXX I contacted credit reporting agency XXXX  XXXX XXXX XXXX TX XXXX regarding reporting of fraudulent Credit accounts on my credit report, out of 5 accounts they only deleted one fraudulent account and they are still reporting fall information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
account is in bk and they reported everything negative on my cbr i have contacted them a few times trying to get this matter taken care of and have dealt with the rude collections folks who still try and collect on this XXXX balance paid off account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
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: Their investigation did not fix an error on your report

Complaint:
The balance on my home mortgage decreased significantly. My Transunion credit score decreased by XXXX points on XX/XX/2020. There were no negative credit reports since the prior reported credit score on XX/XX/2020.

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 2021-12-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The is an account that is reporting a late pay that I dispute twice as being in accurate which it is as the loan was in deferment. However, I realize the account is more than seven years old and should not be still reporting on my account. The account is from XXXX and XXXX it is approaching the 8 year mark. I have opened an investigation per the consumer fair credit report " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. '' I am having this issue with Experian, XXXX and 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 2019-12-16
Company: Navient Solutions, LLC.
State: MD
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:
Good Afternoon, My name is XXXX XXXX and in XXXX of XXXX I was called by XXXX XXXX XXXX ( which was a contract debt collector for Sallie Mae / Dept of Ed. ). because my loan was in default status. I was told that in order to make a settlement for my loan that I could pay {$10000.00} and my entire student loan would be satisfactorily settled. I made a Payment on XX/XX/XXXX. I received a 1099 in XXXX from IRS of that year stating that my loan was statisfied and that my Tax returns would no longer be garnished. I have recently learned that XXXX went out of business shortly thereafter. 

In XX/XX/XXXX my data was transferred back from XXXX to Navient/ Dept of Education . At that time I started getting correspondence from Navient stating that this same loan had never been settled or paid at all. The full amount of the outstanding balance plus interest and late fees has been placed on my credit report. 


This is severely problematic because I currently work in finance and this large debt of {$30000.00} is causing my credit score to be lowered because it increases my debt to income ratio for this amount of unsecured debt that I am responsible for has the credit appearance that I am irresponsible with finances. An additional injury was that In XXXX I had to leave a position as a XXXX in the XXXX  XXXX XXXX because my security clearance was being reviewed and faced adjudication because of this large debt. I would have been fired for financial concerns. 

I have contacted Navient and the credit bureaus on several occasions. I am now asking that the CFPB get involved so that I can securely work without fear of this negatively impacting the way potential employers view me. I would like someone to review this matter and my loan because this is causing me severe economic harm. 


Respectfully, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received an email from XXXX XXXX that my score had changed. When I went to the Equifax site I could not log in because I forgot my password. There is a reset button that I clicked to get an reset by email. The email never came. When I called I got an automated line that started off in English but continued in XXXX for the remainder of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT. THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME. PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS AND REMOVE THEM FROM MY CREDIT REPORT. PLEASE SEND AN UPDATED COPY OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX -- -- Caller ID noted this companies number at no time have there been any messages left. The caller ID noted " Synchrony ''. We work so we never knew who the company was as we were not home for the call. Saturday XXXX I had been woken up by a call from this company they were recording as I could hear beeps intermittently yet I was not told that this was occurring. The call was not for me but for my daughter who has not lived at this address in over 2 years. I related that information, they then began to ask for her contact information. I stated that I would not disclose any information until I knew who was calling and why. The person tone became angry and stated it was a personal matter and would not disclose the type of company or why they were. After the call I contacted my daughter, she said she has been in contact with them and that she had made a payment but could not pay the full amount so she was late. My daughter seemed distressed and stated that they have her number and they have been harassing her, even after she had been in contact. I do not approve of people phoning my home over and over leaving no messages and becoming belligerent when there is nothing I can do, as this matter does not pertain to me or anyone living in my household. These people need to be regulated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The dispute is against the 3 credit bureaus ( XXXX, Experian, and XXXX  ) for violating the FCRA several different times. I sent disputes about this inaccurate and unverified information via certified mail to all 3 bureaus as far back as XX/XX/XXXX and as recent as XX/XX/XXXX. According to the FCRA 623 ( 3 ) - they must notate that there has been a dispute when one has taken place ( they failed to do so several times ) and the items need to be deleted. According to FCRA 623 ( 9 ) ( b ) ( E ) - if information disputed by the consumer is inaccurate, incomplete, or can not be verified.. ( ii ) delete that item of information. According to FCRA 611 ( 6 ) ( iii ) - they must disclose the description of the procedure used to determine the accuracy of such investigation, they failed to do so several times after I requested. All of the closed accounts showing on my report have a past due amount, which is by sheer definition is inaccurate. Those same companies are also reporting negative information to my account each month in the form of late payments when these accounts are closed ( more inaccurate info ). They say the accounts are " updated and verified '' but I am not sure how because the information is not accurate. They show no type of proof they did an investigation at all. I am hoping I can depend on the CFPB to be the watchdog on the bureaus and get them to follow the law.

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 2022-07-21
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I, have a complaint, about, my money, being taking out of cash ap, account, that wasn't, authorized, by me! upon checking, my balance! on XXXX! XXXX i had, {$950.00} in, my account upon me, checking, XXXX i seen, that my account, showed a XXXX balance because the, activity page showed that! XXXX, transactions! that I had nothing to do with, was the reason! the first, XXXX XXXX XXXX  XXXX, convenience store, located, in XXXX, mi. For the amount of {$96.00}, the other XXXX, was made by XXXX! {$49.00}, the next, XXXX, the amount {$240.00} the last one! for the amount of {$560.00}, all I believe made in, acording, to the statement! XXXX California! I contacted, cash ap, about this offence, by e-mail, and phone to XXXX different! reps '' they said they, couldn't investigate, while, the transactions was pending, and I would have to wait, 10 days! why is this when! they allowed some one! from XXXX different, locations! To get my, money $ then allowed, then to, back in my account! {$66.00} that, is not, mine, please, help me to get my {$950.00} dollars back! with warm! " regards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I evidently owe close to 800 dollars to Comenity Bank for a place called XXXX XXXX. I was reported to their collection agency and they have my phone number and address, yet have been calling my XXXX XXXX   mother every week! The man that my mother spoke with today told her what my debt was for and how much I owe, while trying to get her to pay my debt, which is illegal! I have asked these people numerous times to not call my sick mother, but they continue to do so and keep harassing her! These people have over-communicated to the point of harassment and it will stop! They already gave out my debt information, which is illegal and I will sue if this doesnt stop! I was also threatened which is also against the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Ive called CAP one about this and got nothing but LIES and justifications which are NOT true. 
As of XXXX I had a +  balance ( that the bank OWED ME... this is MY MONEY not credit ... of XXXX XXXX ) I did a charge on XXXX of XXXX XXXX for some food gift cards. 
I told a XXXX at XXXX XXXX, to dispute the charge she also refused which is illegal. 
she claimed it was a cash advance ( it wasnt it was for PHYSICAL GOODS )... but that doesnt matter you CAN NOT CHARGE ME A FEE ON MY OWN XXXX MONEY ... this is PURE XXXX and a SCAM ... another way for XXXX XXXX to RIP PEOPLE OFF!!!! 
CAPITAL ONE charged me a FEE of {$10.00} for a CASH ADVANCE ( on my own money!!! ) this is a blatant FRAUD from CAP one ) ... its MY MONEY ... this {$46.00} was NOT from my CREDIT LIMIT and it was NOT DRAWN from my credit line... plain and simple ... it WAS MY MONEY ... and the XXXX CREDIT CARD of CAP one is trying to charge me a FEE on my money!!!!! 
One XXXX rep tried to say that the {$42.00} charge from XXXX comes from my credit line... NOT TRUE if that was true it would show my credit line used {$42.00} and I would have a balance still of my {$46.00}. 
I want the {$10.00} SCAM RIP OFF FEE the XXXX one is trying to charge me reversed ( as its a SCAM you can not charge me a CASH ADVANCE FEE on my OWN XXXX MOENY!!!! ) its MY MONEY. 
And once that is done I want the balance of the XXXX  XXXX mailed to me and both credit cards closed, as I refuse to do business with XXXX. 
Also filing this complaint with the XXXX ( Virginia cap 1 headquarters ) and CFPB ( https : //www.consumerfinance.gov/complaint/ )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-18
Company: APPLE RECOVERY, LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Telephone calls everyday trying to collect on debt of someone who does not live at this address and that we have never heard of. In addition, we have owned this telephone number for over 11 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Lowe 's ( Synchrony is the what comes up on the caller ID ) has called at least daily since we were just 4 days late with our payment. They call during the day but also between XXXX at night! We have a young family and this is incredibly disruptive. We are aware we are late with this payment and I told them we would pay as soon as my paycheck is in, which is this week, but they have not stopped. We have now had the phone off the hook for the past few days because it 's gotten so bad!

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 2020-06-13
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2020 XXXX XXXX  stated I was 30 days late when I hear checked my credit report. I was not 30 days late, 30 days late would have been on XX/XX/2020 and on XX/XX/2020 I made my FULL payment so I was never late. I called asking them to remove it but stated they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: CONTRACT CALLERS 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: Investigation took more than 30 days

Complaint:
I have filed a complaint with the three major credit bureaus and the investigation took well over 30 days.

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 2019-02-28
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A collection company by the name of CMRE ( phone number : XXXX and email : XXXX ) has mailed me a letter dated XX/XX/2019, stating that I owe {$5.00} to XXXX XXXX XXXX. 

I dont know anything about this debt neither have I ever received a letter regarding that debt. 

Obviously, I want to find out what is it? 
You might thing it's simple, and that i just call or email this company and they will explain it to me. 
NO!!!! 
I have tried calling them many times, no live person ever picks up the phone. I have left voice mails. i have emailed them, even threatening to sue them if someone from their office does not return my calls or respond to my email. 

So far, no one has contacted me in any way or form. 

I have a fico score of 780+ which i have worked hard to attain in the past 10 years. 
This collection attempt could ruin it and greatly damage my credit worthiness and my financial future. 
I am asking for your help to contact these people and have them contact me so we can settle this issue. 

I have also done the same with XXXX XXXX XXXX, calling and emailing. Same exact issue. No one has contacted me, no one has responded to my voice mail messages and email. I only received an " Auto Reply '' from them ( XXXX XXXX XXXX ), which was never followed up on by a live person. 
I am in a delima and need your help. 

Thank you very much XXXX XXXX

Company response to consumer: Closed with explanation