BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
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:
I paid off my debt in XXXX of 2018. They are showing it still in collection. There is and has been a zero balance for over 2 years.

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 2015-06-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Navient calls my elderly mother several timers per day and late into the evening. My Mother is XXXX years old and XXXX. I have contacted the lender several times and explained that I will repay the loan and I 'm currently in the process of consolidating the loan through XXXX ( Dept of Education ). However, Navient continues to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-08
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I had a XXXX dealership in XXXX Arizona run my credit and issue a auto loan to my cousin without my consent. They ran my credit in XXXX/XXXX/2015 and I never signed any consent for them to do so. I did not find out until XXXX XXXX sent me a letter stating that I had a new auto loan with them. As a result of XXXX XXXX running my credit without my consent Compass Bank Indirect also ran my credit without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased some item using the PayPal thinking that it will be safe form of payment since it provides protection for the buyer. However, when a problem occurred, PayPal did not fulfill its promise to cover the loss when item was not delivered. I filed the dispute and they denied my claim without properly investigating the incident. Case ID is XXXX. I have not received any valid tracking information or whatsoever and I did not receive the item. Therefore, I'm entitled to my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Army and Air Force Exchange Service
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:
I paid off my debt in XXXX of 2018. They are showing it still in collection. There is and has been a zero balance for over 2 years.

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 2020-04-18
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:
Experian is reporting 8 inquires on my credit report that they did not verify my identity. I have a fraud alert on my credit file which is not being verified. I did not authorize consent of these inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XX/XX/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 explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
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: Problem with personal statement of dispute

Complaint:
I ( XXXX XXXX ) was involved in a XXXX case along with my boyfriend XXXX XXXX XXXX XXXX and we were both sent to XXXX XXXX by XXXX, she was a representative for the XXXX XXXX XXXX XXXX XXXX XXXX and who we were ex clients of. We were sent to XXXX XXXX for treatment for our injuries. XXXX had stated that we won't have to pay for any bills whether it was a win or loss case. After the case was over, we both were getting bills from XXXX XXXX sent to our mailing addresses. XXXX notified XXXX about the bills and she said not to worry about them, she wanted XXXX to take pictures of the bills and send them to her so that she can handle it. She stated that we should not be paying any bills to any doctors that she referred us to. As time passes by, we checked our credit scores and we been wrongfully sent to collections when we were not at fault nor responsible. My boyfriend had contacted XXXX about the collections but, she has been little to no help whatsoever, she does not respond to his messages. We both filed and submitted a dispute late XXXX with Transunion and XXXX with mixed results. My boyfriend XXXX XXXX XXXX XXXX had his collections removed from his credit score account by Transunion but XXXX has not so he submitted his own complaint. As for me, Transunion has removed the collections from my credit account on XX/XX/XXXX. For unknown reasons, Transunion added the collections back to my account on XX/XX/XXXX. I tried calling them to find out why, no pick up. For XXXX, I filed the exact same dispute and I was not satisfied with my results. I do not understand why Transunion removed the collections and put it back into my account 5 days later. This is not a game, it is a serious problem and I do not appreciate how this is being handled by the credit bureaus. I also do not understand why my boyfriends collections has been removed by Transunion and mine has not when we both filed the same exact dispute, no changes or differences between our disputes. I have supporting evidence to back up my complaint, screenshots my boyfriend XXXX XXXX XXXX XXXX took of his conversations with XXXX. Side note ; XXXX contacted XXXX XXXX XXXX himself, he said that he will be of assistance and send a letter soon stating that we were not at fault and that we shouldn't have gotten sent to collections by 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 2016-11-08
Company: M&T BANK CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I recently opened an account with M & T bank, and I was excited to join their family, but I recently called to get help with fraud transactions of almost {$500.00}. My debit card got stolen and my cell phone at work. They must of got my pin from when I took out cash at an atm and saw what I punched in on the keypad. Its sad when you ca n't even trust your co workers, and at that your bank to help you with this and get all this money back. They treated me nasty over the phone, and gave me no help M & T bank. Horrible customer service so far! Please help.

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 2022-01-04
Company: INTERCONTINENTAL CAPITAL GROUP
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
INTERCONTINENTAL CAPITAL GROUP doesn't interpret the law. INTERCONTINENTAL CAPITAL GROUP claims the consumer has no right to rescind due to the transaction not involving a principal dwelling but claims the transaction included an investment property which makes the right to rescind not applicable. According to Federal law 15 USC 1637a ( d ) the term principal dwelling includes any second or vacation home of the consumer. Federal law does not define what an " investment property '' is and also under subsection F which goes over transactions that are exempt from the right to rescind an investment property isn't listed as something exempt therefore it is not applicable. The Term Investment Property Can not be Found Anywhere in Contract With Consumer .... According to 12 CFR Part 1026.2 ( 24 ) a Residential mortgage transaction means a transaction in which a mortgage, deed of trust, purchase money security interest arising under an installment sales contract, or equivalent consensual security interest is created or retained in the consumer 's principal dwelling to finance the acquisition or initial construction of that dwelling. INTERCONTINENTAL CAPITAL GROUP claims this transaction did not involve a principal dwelling but says it was a residential mortgage transaction in which a residential mortgage transaction does involve a consumers principal dwelling i believe INTERCONTINENTAL CAPITAL GROUP doesn't understand what they are talking about and doesn't interpret the law correctly i would like this complaint escalated to the highest powers, INTERCONTINENTAL CAPITAL GROUP also claims this transaction is exempt from the provisions under 15 USC 1605. INTERCONTINENTAL CAPITAL GROUP once again fails to interpret the law as it expressly states under 15 1603 the subchapter doesn't apply to Credit transactions, OTHER THAN those in which a security interest is or will be acquired in real property, or in personal property used or expected to be used as the principal dwelling of the consumer and OTHER THAN private education loans ( as that term is defined in section 1650 ( a ) of this title ), in which the total amount financed exceeds {$50000.00}. which means credit transactions OTHER THAN these would not apply but since this transaction involves these criteria the subchapter applies to transaction questioned, therefore, isn't exempt from anything if the property wasn't intended to be consumers principal dwelling why were provisions of the contract state consumers obligation to occupy residence within 60 days as attached in attachments as exhibits PLEASE SEE ATTACHMENTS OF FRAUDULENT CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage payment jumped {$420.00} from on month to another. When I reach our to PennyMac Mortgage they said it was due to an Escrow analysis to cause the jump in payment. My calucations for the reason for the increase did not add up. They claimed there were shortages due to them placing forced place insurance on my loan. However my policy with XXXX never expired that would require they place forced placed insurance on my loan. The only change was my insurance premiums did rise from {$1400.00} to {$2100.00} totalling a {$660.00} increase. When I asked why they would charge me and extra {$420.00} a month for the next 12 months, Pennymac response was we have to get back with you. This is unexceptable! I paided the extra {$420.00} to avoid any late fees and negative credit reporting. After 7 days PennyMac has not responded back to my request for a full investigation on why they tried to charge me for forced placed insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Maximus Education, LLC dba Aidvantage
State: NY
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:
I have noticed DEPT OF ED/XXXX  acct # XXXX reporting a debt that I never contracted or agreed to pay. They have reported negative and XXXX  information beginning XX/XX/2012 on my credit report. They have never given sufficient information to me in order validate this debt. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Hello, I asked Equifax to provide documentary proof of the negative claim being made on my credit history and they have failed to do so. I have asked them repeatedly to update my credit report by removing the claim on it since they were unable to provide me with the documents I requested and they refuse to do so. I also spoke with a customer service representative which told me they have no way of provide me with such documents as they receive the claim from the creditors and as per their " records '' the claim was valid. I asked for such " records '' and they told me they had no way of providing them to me. That to me was unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
i was misinform that naviet took over XXXX. I was XXXX at the time and nowhere to go. when I find that naviet took over. I call to see do they had deferment they told me no. I did n't know what to do.. now I got naviet and XXXX on my credit report. naviet making my credit look bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I filed a dispute in regards to the incorrect item on my credit report, it has been well over 30 DAYS and I havent received any investigation results. BY LAW THIS ACCOUNT HAS TO BE DELETED! 

Acct and Acct # : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: NCP Holdings, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collection company XXXX XXXX XXXX is reporting on my credit a debt of {$850.00} for an original creditor listed as NCP Finance Limited Partnership. Upon review of my credit reports, I reached out to each credit bureau by mail on XX/XX/XXXX requesting validation of the debt. In response they stated that the debt was verified, however, did not supply any additional information to me proving such. I then reached out requesting the method of verification on XX/XX/XXXX to the credit bureaus and was told I could reach out to XXXX XXXX XXXX directly. I sent another letter directly to XXXX XXXX XXXX on XX/XX/XXXX requesting proper validation of debt. In response, I received a letter dated XX/XX/XXXX showing copies of a promissory note to which I believe to be fabricated, as it has my maiden name and dated XX/XX/XXXX, a time in which that was no longer my legal name, no signature, and no proof of debt or validation was provided. They then proceeded in request for me to call them directly by phone, when I have established communication in writing by mail. I have provided ample time and numerous opportunities for this company to provide proof that I am responsible for this debt, and after months of reaching out, I still have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: CITIBANK, N.A.
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 am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion has reinserted a collection debt that had been removed months prior to the reinsertion. The debt collector is XXXX XXXX XXXX Acct # XXXX This was done without my knowledge or any explanation why. I did not receive anything in writing.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It has been proven that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
MEDICAL XXXX Balance : {$35.00} MEDICAL XXXX Balance : {$330.00} MEDICAL XXXX Balance : {$47.00} MEDICAL XXXX Balance : {$70.00} MEDICAL XXXX Balance : {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$320.00} XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXX/XX/2020 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-12-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As of know PennyMac has not send the payment for my property tax. I keep calling the Bank to inquiry about the payment and nothing has been done to resolve the problem. They claimed that they did a wire transfer on XXXX XXXX, 2016 for the amount of {$2300.00} but when I called XXXX XXXX County to check on my account they told me that they have not received any payment. I do n't want to be held responsible of the late payment. If the bank sent the payment late they should be responsible of the late charges. Also, I need to know where is the payment and the date they send the payment? Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Capital Management Services, LP
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My name is XXXX XXXX. I became a victim of identity theft. My health insurance company, XXXX notified me that my personal information was compromised. Since then, somebody tried to get my tax refund and opened several credit cards with using my personal information. I had filed a police report and even asked for investigation to FBI. As such, XXXX provided me free credit monitoring services and I had been monitoring closely any suspicious activities. The original creditor, XXXX XXXX XXXX Bank opened a credit card without even checking correct spellings of my name. The identity thief used incorrect spellings of my name like " XXXX XXXX '' and that account was opened in out of state while I was residing in XXXX XXXX XXXX XXXX Bank should had hired a private investigator to catch the identity thief with the same money have spent on hiring a debt collect, " Capital Management Services , LP '' to harass the victim of the identity theft.

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