BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: Experian Information Solutions Inc.
State: SC
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 purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: EQUIFAX, INC.
State: SC
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 purchased a XXXX XXXX XXXX off the lot. During the purchase I was guaranteed that XXXX would lower my interest rate after 6 consecutive months of on time payments. 3 years later and nothing. I 've called and got the run around. Gone to the dealership and they say I have to call. The bigger issue is a late payment they reported about 2 years ago that was their fault because my bank said they did n't pull the payment out. I 've asked to have it removed since it was n't late and the money was there as well as my branch manager confirming how the transactions always occur monthly. It 's not fair to continue to carry a negative that does n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please be advised that these following items are Unauthorized Inquiries and are showing on my credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX BANK By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 

I already reached out to the Credit Bureaus but no changes has been made and these inquiries are hurting my credit.

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 2022-03-12
Company: AES/PHEAA
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX Of XXXX I lived at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX I stayed there two extra months month-to-month and paid my landlord cash two years after moving out I get a judgment put on me from up or XXXX XXXXXXXX XXXX XXXX XXXX that I owe over {$3000.00} but the idiots also sent me a copy of the lease that shows that I was not under any contract when this happened and they did not own the property when I confronted them they sent me the lease and all the legal documents Ive been looked up the case number and looked up the so-called attorney and the court records none of them exist the court then said that I had a hearing coming in XXXX so I attended virtually but no one came back on the line to put me on the zoom call so then I got up the entire deck handed to me just because of the fact that I wasnt at a hearing when I actually was the lawyer is an actual lawyer with the Florida bar but its not its a fictitious name and when I looked on their website of open cases my name is not on there. I also had a security breach in my credit in XXXX by XXXX  the alcohol delivery service and they re-Kavic on my credit until just recently I am being denied a place to live because of my credit I am with XXXX XXXX and they are repairing everything they can my student loans shouldve been paid off years ago the IRS has taken {$30000.00} of my tax money and has never given me an explanation of why Im a W-2 employee Ive worked in the XXXX field for 20 years Ive never owe the IRS money but my late husband did owe them money but we were only married for two weeks in XXXX so the taxes that theyre charging me with our XXXX taxes he was married to someone else I need assistance desperately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Theyve called me more than 4 times daily or every time Im on my phone they call. Whenever Im on social media they call me as if theyre stalking me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
inaccurate information on credit report no knowledge of

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 2018-12-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep calling reference a debt owed by my ex-son-in-law. They have been divorced for 2 years. They change the number they call from and are told each time to stop calling. The 2 most recent phone numbers I have are XXXX and XXXX. Company Name is Portfolio Recovery. Each time they are told to remove my number so they just call from a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: Global Lending Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


GLOBAL LENDING SERVI Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : Date Opened : XX/XX/2016 Balance : {$16000.00} Terms : High Balance : {$28000.00} Limit : Past Due : Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX of XXXX, I applied for a XXXX XXXX credit card as Credit Karma had been informing me for 6+ months that I was pre-approved. I needed a new credit card for financial purposes and it just so happened that the credit card I was pre approved for was the one I needed. I went through the application process only to be told I was denied. The only reason I applied in the first place was because I was told by credit karma that I was pre approved. Because of the deny, a hard inquiry was put on my credit score. The only other hard inquiry Ive had was from opening a credit card 2 years prior. It ended up lowering my score, which I had been working on building up by paying off my bills. My score kept rising until the denial of my application for the XXXX XXXX card that credit karma said I was pre approved for. To make things worse, Im still getting notifications from credit karma about either pre approved cards or excellent approval odds. Now Im hesitant to apply for any credit card because if Im denied, itll continue to negatively impact my credit score. I also suffer from a XXXX XXXX that affects my income, so being a young adult and already having a hard inquiry when I shouldnt makes my financial situation even more difficult to navigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: SUNRISE CREDIT SERVICES, INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was notified last night by my credit service that I have account that went into collections. I initiated a credit file alert and now Im in the process of obtaining a police report in order to get this removed off my record. I have included the collection agencys information below : Original Creditor : Sunrise Credit Service Balance : {$3800.00} Date Opened XX/XX/2021 Contact : XXXX XXXX XXXX XXXX XXXX, NY 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 2017-06-20
Company: PNC Bank N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
This complaint is on XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I called PNC to speak to a representative specifically pertaining to XXXX XXXX and asked the rep to please tell me about the app that 's connected to the PNC mobile app. I also explained to the rep my reasoning behind wanting to know more information about XXXX. I told her that I was purchasing a product from a seller from XXXX a site where buyers can sell gently used items. I also expressed that I always use XXXX all the time and is XXXX similar where if for whatever reason I do n't receive the product or something goes wrong can I dispute the transaction. She stated yes and that I can cancel it anytime. Had she not confirmed XXXX was a secure way to send money similar to XXXX where you can file an appeal I would have never sent any money to this seller. The same day the transaction was completed I called PNC because the seller did not provide me the tracking information I requested. The 2nd representative gave me instructions for canceling the payment online and the option was unable. The 2nd rep I spoke to also stated that once it 's completed they ca n't do anything about it. However, the first initial rep I spoke to NEVER stated once a transaction is completed you ca n't cancel it or dispute it she stated the complete opposite. So at this point I 'm distraught because I specifically called in inquiring more information about this payment system connected to my PNC mobile app. I beg the rep to complete a dispute explaining I was rob of {$900.00} from a fraudulent vendor. I had the vendor name, number and PNC had the banking information it was transferred too. After several days of not receiving any notice or documentation about the case. I called PNC again to check the status. A representative informed me on the case its states resolve with recipient. I just lost it crying frantically asking to speak to a supervisor or someone who can help because I did n't get any notice about their decision so more time is being wasted and my {$900.00} is gone. The supervisor was just apologizing for the very first representative I spoke to who misadvised me to send money through XXXX XXXX stating I can appeal or cancel it. I requested the call to be pulled and that the case still be looked into and how can they not be able to track {$900.00} and do absolutely nothing about it. It was complete negligence on PNC in the way the handle it was not able to help out a customer in need at all due to false information provided by there representative. I just desperately want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXXXXXX Account number # 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 furnish a account 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 non-monetary relief
Consumer complaint received 2018-12-11
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I currently called XXXX on XX/XX/18 and XX/XX/18, to try and get a forbearance for my loans because I became unemployed and they are absolutely no help. They told me that I only get 2 month increments on my loan for a forbearance and then I have to pay for 9 months in order to get another forbearance. They do not assist their customers in their time of need. I have always paid and just can not make a payment while receiving unemployment, paying rent, food and utilities. I am a single mother with a XXXX year old. Someone needs to look into their lending practices because they are horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  XXXX XXXX purchased {$600.00} medical bill originally from XXXX XXXX XXXX which is 4 years old was paid by insurance. 


this company keeps trying to collect on debt that were paid in full by insurance.

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 2022-03-12
Company: AES/PHEAA
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am constantly contacting AES Loan Servicing in regards to the fact that I can not fill out the forms I need to fill out to get my IBR plan on track or send in my recertification. Everytime I try to log into my account on the student aid.gov they can not confirm my social security number. It states on the web page it takes 1 to 3 days to confirm, This has been over a year. I am limited to access on my account due to this. The interest on my loans have doubled my loan amount. I dont even know how I got bamboozled into consolidating my loans with this company purely a rip off! How can they continue to report me to credit bureaus when they cant even verify who I am!

Your information is still being verified by the Social Security Administration. This process usually takes one to three days. If you provided an email address when you created your account, we'll you an email confirmation once your information is verified. XX XXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: MO
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:
My name is XXXX XXXX XXXX and I am sending this complaint to address the inaccuracies on my credit report provided by Experian. It was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$6400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX  Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}

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 2017-07-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent Equifax a certified letter back on XXXX XXXX, 2017 about unauthorized inquires that was appearing on my credit. They have not responded nor have they sent me an updated report showing the changes. When I attempt to call in their hold time is always over 45 minutes and I can not get a hold if anyone. There are different names, addresses, inquiries and now a collection showed up over the last week that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Optimum Outcomes, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX this company issued four separate medical debt bills to my residence by mail. I wrote up a letter asking to validate the debt by sending a full breakdown of each bill, a copy of my signature with the provider of service to release my medical information to the debt collection agency, and to cease any credit bureau reporting until the debt has been validated by me. In the letter I asked that they respond within 30 days of receiving the letter. 

I sent the letter by certified mail and have proof that the letter was collected on XX/XX/XXXX. Two months later on XX/XX/XXXX I received a second copy of the same bills they sent back in XXXX. None of the things I asked for were included in the packet of papers. 

I then composed a second letter once again asking for the debt to be validated by both an itemized bill and my signature with another time limit set to 15 days from receiving the letter as they already had two months to attempt to find what I asked for. 

Once again I sent the letter by certified mail and have proof that the letter was received on XX/XX/XXXX. On XX/XX/XXXX, well over a month from the date they got my letter, I was sent only the itemized bill of all fee 's and charges for the medical debt but not my signature. 

My complaint is that I asked for the debt to be validated and over four months from the first time I sent my letter they have only provided half of what I asked for as proof to validate it. I was being more than reasonable with time limits to find what I asked for and there was no communication by the company asking for more time or even trying to explain why they could not provide what I required to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Stellantis Financial Services US Corp.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan with First Investors Servicing Corporation and having an issue understanding their billing method. My payment is due on the XXXX of each month. If I do not pay on this day, they are calling constantly which is harassing since they know that there is a 10day grace period on my loan applies that I have 10days after to pay without a late fee applied.

I need assistance with the company that the calls are not warrant due to the grace period. 
If the payment maybe late, I will be calling them myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
USAA charged me over {$400.00} in NSF FEES!!! What sense does it make to charge me a FEE for not having enough money to allow a charge ( that the bank DECLINE D ) go through ??? All this unfair and unethical treatment ( which is equal to STEALING from me, and should be illegal ) did was put me DEEPER IN THE HOLE and cause me additional financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collector put a collection in my account that is not mine. The Same company tried this back on 2019 and it was removed by the credit bureau due to fraud and now they using this collection company to scam me to pay a depot that I ever owned and is not mine and clearly identity theft. 
I have XXXX debt I pay all my pills before due time in full. My certificate was XXXX and dropped 84 point due to this fraud scams. Please help me I am a veteran or XXXX XXXX abs have been working to bring my cedit up for over 10 years this is nit fair please help me. The collector name is first federal credit control for company called XXXX XXXX XXXX. Please help me to stop this criminals.

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