BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-18
Company: Harley Davidson Financial Services Inc
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XXXX XXXX, XXXX I sent a letter to Harley Davidson requesting an explanation of a {$400.00} expense I noticed on my invoice. Having not received a response, I sent another letter to HD asking for the same information and also asking why {$100.00} of my payment was applied to interest only and not principal. Again receiving no response, I sent another letter on XXXX XXXX, asking the same questions. The question about why my entire payment was attributed to interest rather than principal was responded to. It was convoluted and I still do n't agree with how they applied my payment, but I did n't know enough to fight about it. The answer I received for the {$400.00} was it was for repossession efforts by a third party. Since I had not been contacted by any third party, I asked for HD to provide an accounting or itemized billing for this {$400.00}. No one other than HD contacted me or sent a letter, so I wanted to know what this {$400.00} charge was for. I was provided with an invoice simply saying {$400.00} but nothing showing what equated to {$400.00} worth of expenses they wanted me to pay for. I again sent a letter on XXXX XXXX, XXXX asking for an itemization of the {$400.00} of expenses that HD had now taken from me. They applied a payment meant for principal and interest to this {$400.00} and then told me my payment was late. To this present date, XXXX XXXX, XXXX, I have not received an accounting of this {$400.00} expense. I was told by a gentleman in the HD financial services department on XXXX XXXX, XXXX during a 20 minute phone call that HD was not going to provide this to me, they were not required to per his supervisor, XXXX XXXX. I was told sorry, but too bad you 're not getting an itemization of this expense. I did explain to HD I had not been contacted by any third parties, I had not received any correspondence from any third parties so this is a scam and it 's okay if they do n't want to follow up on it, but I should not be left paying for services that were never performed. Can you please help me to have HD apply the {$400.00} they have already taken from me and apply it to my principal. As mentioned, I am not too sure about the way they apply payments to principal and interest and if you could ensure I am being charged properly for interest, I would deeply appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: FIRST GUARANTY MORTGAGE CORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began a refinance process for my home mortgage the first week in XX/XX/XXXX. At that time, I sent every piece of documentation to GoodMortgage.com within 12 hours of their request. They charged me {$600.00} for an appraisal and they hired the appraisal company. The appraisal came back with a list of inaccuracies. I contacted GoodMortgage right away. Their solution was that I pay for another appraisal. I argued this was not my responsibility that the company they hired failed to deliver the proper service. On XX/XX/XXXX, GoodMortgage called me at XXXX stating they would pay for another appraisal. At that time, my mortgage was paid. I complied to their rushed appraisal on Sunday, XX/XX/XXXX. I heard nothing from the company for more than a week. Then, Friday, XX/XX/XXXX, I was told we were cleared to close and would close either Saturday or Monday. Monday came and went. There was a couple more documents that were requested and I sent them within 15 minutes. I received word on Wednesday, XX/XX/XXXX that we were cleared. Now, they are not closing on the loan and are refusing to communicate with me. I have lost {$600.00} in fees from GoodMortgage and accrued two late payments, totaling {$200.00}, due to their failed delivery of their promises. I have multiple emails, voicemails, and texts as proof. I will now need to start over, incurring more costs.

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 2017-08-18
Company: FCI Lender Services Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX attempted to foreclose om my property when my first mortgage is current, i dispute owing XXXX XXXX XXXX XXXX any amount and the assignment that they are using to foreclose, i feel is fraudulent and clearly robo signed. XXXX XXXX XXXX XXXX has yet to respond to my notice or qualified written request.

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 2017-08-18
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a debt to XXXX XXXX XXXX, which was forwarded to Diversified Consultants. I paid the debt off to DC in XXXX, 2017, and as assured the derogatory remarks about the collection would be sent to the 3 credit companies. I have written to two companies, but only one has showed as removed. I am very frustrated because I am paying my debts and am trying hard to repair my credit, but the two companies ( XXXX, XXXX ) seem reluctant to remove the information or notate it as paid in full. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Zelle blocked my profile on the Zelle app and my bank with Zelle like XXXX XXXX XXXX and XXXX XXXX XXXX. And I just got back to United State last week and found out someone stolen my identity and open an bank account and mobile line under my name and registered on Zelle app and received money and now Zelle blocked me on my bank on every zelle on my bank saying i violated the user agreement and I had already file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Since XXXX I 've been religiously paying XXXX XXXX XXXX XXXX through XXXX XXXX and Navient. There were 7 loans ( between $ XXXX and $ XXXX each ) that totaled {$94000.00} ) that were secured between XXXX and XXXX to help get my XXXX daughters through a XXXX based University. The interest rates were supposed to be fixed at between 4 % and 5 %. I have been paying an average of about $ 500/month for the past 20 years and as of today, only {$19000.00} has been reduced from my original obligation. How can I have paid XXXX/Navient over {$120000.00} during this time frame and still owe {$74000.00} of a {$94000.00} bill??? In closely reviewing how these payments were handled by Navient, as little as {$0.00} has been applied to the principal about 40 times. My most recent payment of XXXX XXXX only had {$55.00} of a {$550.00} payment applied to principle. The average over the past 15 years paid to principle varies every single month despite being a fixed loan but averages about {$130.00} of a {$550.00} payment. In my opinion there is fraud here. Navient has offered no better viable options since the inception of these loans and they are impossible to get through directly. I am now XXXX and recovering from a debilitating illness. I 'm not looking for sympathy, only looking for an intelligent answer to this issue before I request legal advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I am pleased to see some improvements on my report and there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1300.00}

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 2022-07-07
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union and XXXX are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not 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 2017-08-18
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt is based out of the state of California where the statute of limitations on any debt is 4 years. i incurred this debt before 2011 and the debt collector trying to collect only bought this accountXX/XX/XXXXof this year. This account is way past the expiration date and therefore i feel it is not a collectable account. attached are documentations showing that i have not lived in the state of california to incur this charge since 2011.

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 2022-07-07
Company: EQUIFAX, 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:
I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking # - XXXX According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts 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 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion, XXXX and XXXX have provided my financial information to companies and individuals that have stolen all of my assets and my IRS information.

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 2017-09-09
Company: EQUIFAX, INC.
State: MS
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 XX/XX/XXXX or XX/XX/XXXX, Equifax suffered a breach of security via hacking from an online exploit, leading to the presumed theft of millions of consumers ' information. It is my understanding that I may be a victim of said hacking. I confirmed this information with Equifax on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am pleased to see some improvements on my report and this is still remaining account on my report which is fraudulent and was resulted from identity theft. I am pleading for your help to remove this remaining item found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXXXXXX Balance Owed : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I was enrolled in a program to pay student loans on XX/XX/22 for XXXX my next payment is not due to XXXX XXXX. After i paid this amount they have been harassing my cosigner my elderly grandma and keep harassing me with all these calls, voicemails. And emails. Then when i call them they like we sorry we see you paid. Then the harassing begin the next day. It is so overwhelming.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/2022, when I came to [ XXXXXXXX XXXX XXXXXXXX XXXX ] to open a business account, we discussed in length NOT to do anything to jeopardize my credit score. We had a XXXX hour appointment, and I have been very direct with [ XXXXXXXX XXXX XXXXXXXX XXXX ] what was needed and what was out of the question. This included credit checks, as I was in the active stage of applying for a mortgage. 
[ XXXXXXXX XXXX XXXXXXXX XXXX ] understood, opened my business account and went ahead with a credit check, without my consent. My phone gave me an immediate ping, to update me on the instant lowering of my credit score and [ XXXXXXXX XXXX XXXX XXXX ] your response was XXXX. [ XXXXXXXX XXXX XXXXXXXX XXXX ] vehemently apologized for her honest mistake and it should have rested right there. 

[ XXXXXXXX XXXX XXXXXXXX XXXX ] manager escalated this, in order to have the credit check removed immediately as you indeed made a mistake. Mistakes happen. [ XXXXXXXX XXXX XXXXXXXX XXXX ], yourself submitted an escalation in order to be pro-active in making things right. I escalated things, and escalated the escalations, as nothing was happening. The Executive office picked it up and I kept you apprised and informed of this. 

I now have confirmation that the internal investigation resulted in [ XXXXXXXX XXXX XXXXXXXX XXXX ] denying that [ XXXXXXXX XXXX XXXXXXXX XXXX XXXX did any of this. 

I already had this removed with XXXX. XXXX is unwilling and Equifax is refusing to take this off my credit report, without materials from XXXX. The escalated confirmation numbers are : XXXX and XXXX This is with the executive office, who is refusing my phone calls. I am actively blocked from contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Twice I have been a victim of identity theft. I have submitted police reports to all 3 bureaus about a year ago. There is a fraudulent account on my credit report with all 3 bureaus. I have asked that they show signed documents or anything to show this is my debt. I have been in XXXX XXXX Nevada since 2015. This XXXX XXXXXXXX XXXX was opened in a different state. Alabama. It is a cable bill with XXXX XXXX. This is not my debt and I asked that all 3 credit bureaus remove from my credit report immediately.

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 2022-02-04
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: Account status incorrect

Complaint:
on XXXX XXXX XXXX closed an account for non use. As a result my credit scored took a XXXX point drop with Transunion and XXXX. Once again I have to deal with a drop in my credit score from action which was not of my own doing. this may adverse affect my ability to get a loan or a mortgage if I chose. What can be done to remedy this? This is patently unfair and seemingly and truly deceptive practice. It is absurd that I should be punished for an action I did not take and TransUnion allows to continue to happen.

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 2019-07-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had an active and open checking account. I received a deposit early XXXX and when following up, discovered the account was closed. The bank closed the account without notice yet still accepted the deposit. When asked why they accepted a deposit on a closed account they stated because it was temporarily opened. When asked how I could access my funds, they stated that I would receive a check after an unknown amount of time has passed. I have no access to my money and have not since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted this company numerous times to try and understand the debt. I was never given any explanation. Due to Covid-19 everything is becoming harder and harder. When I tried talking to them, they were not very helpful and I still can not remember this debt. I am experience extreme hardship, this whole situation is making me nervous, I have been having medical issues and not being able to know and/o understand this debt is not helping 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