BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-23
Company: AES/PHEAA
State: VA
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:
Fed Loan com plain with consumer finance.gov aka CFPB I was given inaccurate information regardin g Income Based Repa yment options.   I had previously been informed thro ugh FedLoans webs ite that tax return information was needed to re-certify my repayment plan.     A representative later told me, that was n't true. I could have provided income stubs at the end of  XXXX , months ago, in order to have my issue resolved by now.     Now my affordable, income-based re-payment plan has expired. It will take months for the plan to be re-instated and interest due will be capitalized as a result.     I could have avoided this situation had I been given the proper information at the end of the year. The information could have been included with a mont  hly FedLoan billing statement.
The misinformation will cost me money. In the Information Age, I   do n't understand why it takes months to verify my adjusted taxable income. There has been no meaningful change compared to the  XXXX  Tax Year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-07-20
Company: EQUIFAX, INC.
State: WV
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 have contacted Equifax many times about this issue. They have either no information or incorrect information about me with them. They say the ONLY way to fix it is to fax the information or send it through the mail. I have confirmed both the mailing address and the fax number twice. Also, twice on the phone agents have confirmed their fax is not working. The mail has either been lost or they are being negligent with the acquisition of my social, full name, address and date of birth. There MUST be more available lines of communicating my information to them so that they actually get it, instead of the mail and a fax number that does not work. I can not continue to mail my personal information and pray that they finally receive it without trying another avenue of contact that actually works.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am XXXX ( XXXX ) I have low income. I dont check my credit theres no need to. Anyway we are moving out of our house and i was doing a rental application they denied me because of my score. So I was wondering why checked my credit and there are XXXX accts that are not mine nor have i ever heard of the company XXXX XXXX XXXX it shows as a joint account. def not mine. There is also a XXXX bill for XXXX that is not mine. I do have XXXX. But never XXXX. I am XXXX and dont use cell phones. I have tried calling XXXX. No person .and XXXX has been transferred to XXXX when calling that number it states that they cant give info over the phone. So im at a loss and need help.Thanks for your time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am formally requesting that this item " Satisfied Judgement Case Number XXXX '' be investigated and removed from my credit report. 

Accordingly, I can show a judge that these items meet the requirements for removal. 

Please note I am a XXXX Veteran XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Sherloq Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received a call, first of all was asked to VERIFY IDENTITY WITH SOCIAL SECURITY NUMBER OR OTHER HEAVILY SUSPECT INFORMATION, secondly she was VERY rude after being told I was XXXX and on SSI and that Medicaid should have covered the amount and I would discuss the issue with the debtor themselves, finally, she became very abusive threatening my SSI as ability to pay and saying things like Being XXXX doesnt automatically exclude you from paying and insulting the fact that I am XXXX AFTER being told I was going to contact original debtor to ask why this was sent to collections when I was not informed of the debt or the reasons Medicaid did not cover the services. Very rude and caused me to have XXXX XXXXXXXX afterward due to the stress caused. Luckily I am unharmed but harassing a XXXX person to the point of XXXX is UNACCEPTABLE FROM DEBT COLLECTORS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: GVA Holdings, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I lost my job XX/XX/XXXX and requested assistance for loan forgiveness. The company is charging me 499.99 % Bright Lending loan Number : XXXX Finacne Charge XXXX Amt Financced : XXXX Total of Payments : {$6000.00} Date : XX/XX/XXXX Due Date : XXXX every two weeks CREDITOR : ADDRESS : PHONE : EMAIL : Bright Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I came in good faith as an applicant and applied for automotive financing through capital one auto finance on XX/XX/2022, Capital One Auto Finance willfully discriminated against me during this credit transaction. Please See Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
A bank representative opened multiple accounts for me when I started a small business. She opened a business checking, another checking account she stated was to be a " tax '' account and a business credit card. I informed the representative that I would not be making much money the first year so I was n't sure if I needed the " tax '' account but she opened it up for me anyway taking her advise and trusting her. I had under {$300.00} in that " tax '' account as well as the main checking account. Before I knew it, I was being charged {$40.00} " processing fees '' in the accounts. I would speak to the representative that opened the accounts for me about these fees. She would reverse the charges, and said that she would stop these fees. In the end, XXXX about a year later XXXX She was transferred to another bank, the fees continued, she never answered calls from me or other tellers at the bank that were calling for me. Ive closed all my accounts and now my credit card is charging nearly {$200.00} in interest fees every month. I feel as though US Bank must have given incentives to employees for opening accounts and all the fees are making thousands of dollars from their customers. i primarily bank with XXXX XXXX XXXX and I never have these types of issues. They are taking my money and Im in a trap. I will have to borrow money to pay off the account completely before I end up owing thousands more.

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 monetary relief
Consumer complaint received 2022-04-12
Company: Credit Corp Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On this date XX/XX/2021 XXXX XXXX XXXX opened a collection. 
Account # XXXX {$340.00} that i owe I have never signed any written document saying that i owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that i owe this debt to this alleged company. Please have this removed from all three credit bureus. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX Capital One sent me a check for {$29.00} for a credit refund I had on my account. They sent the check to an old address and I never received the check. I was in XXXX Training back then and I had no way to contact them so now that I am done with training I called them on XX/XX/XXXX and today XX/XX/XXXX there problems with their system so conveniently. And they tell me to call later or they just hung up. Ive waiting on the phone for 1 hour and 5 minutes and then they just hang up on me. 
If you or capital one needs proof of my XXXX training, let me know. 
I was in XXXX Basic Training and XXXX since XX/XX/XXXX until XX/XX/XXXX I am attaching my immigration form with the date since I was in XXXX training so you can see that I am being truthful and Capital One is just playing with my request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
ON XX/XX/2022, TRANSUNION, XXXX, AND XXXX CREDIT BUREAUS REPORTED A DELINQUENT MEDICAL BILL TO MY CREDIT REPORT DAMAGING MY CREDIT. THE ACCOUNT NAME XXXX XXXX XXXX REPORTED I OWED {$480.00}. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY XXXX XXXX XXXX NOR DO I OWE ANY MEDICAL BILLS. I'VE WRITTEN LETTERS TO ALL 3 CREDIT BUREAUS IN AN ATTEMPT TO VALIDATE THE ACCOUNT AND THEY HAVE ALL YET TO RESPOND TO MY REQUEST WITHIN 30 DAYS WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. THEY HAVE NOT EVEN CHANGED THE ACCOUNT STATUS TO BEING IN DISPUTE. GIVEN THAT ALL 3 CREDIT BUREAUS HAVE REPORTED THIS FALSE INFORMATION ON MY CREDIT, ESPECIALLY XXXX WHICH HAS RECENTLY BEEN UNDER FIRE FOR REPORTING FALSE INFORMATION TO SEVERAL CONSUMERS ON THEIR CREDIT REPORTS, THIS INFORMATION NEEDS TO BE REMOVED 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 non-monetary relief
Consumer complaint received 2022-04-12
Company: CAINE & WEINER COMPANY, INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
This involves a closed " derogatory '' account on my Transunion credit bureau report.     The original creditor,  XXXX   XXXX   XXXX   XXXX  , reported a past due credit card account to the Transuion credit bureau in  XXXX . In  XXXX ,  XXXX   XXXX   XXXX   XXXX   sold this account to a debt collector,  XXXX   XXXX . This acco unt (   XXXX   XXXX   ) has  since ( and is currently ) reported as an " open collections '' on my Transunion credit report.     The problem that I have is that the original  XXXX   XXXX   XXXX   XXXX   account is still listed on my file as a " closed account. '' So I 'm being penalized for the same credit card account twice - once as a  XXXX   XXXX   XXXX   XXXX   " closed account '' and once as a  XXXX   XXXX   XXXX   " open collections account. '' It 's my understanding that this is " double jeopardy '' where I am being affected twice  by one singl e account.

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 2016-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are the inquiries that I want deleted from my credit report. Your customer service would not help and take care of the negative inquiries reporting to my credit report

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 2016-05-31
Company: Ad Astra Recovery Services Inc
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had an installment loan that I got behind on back in XX/XX/XXXX. It went to an in-house collection agency. I paid in full during the XX/XX/XXXX. Since then, the collection angency has failed to update information correctly on my credit reports. The have incorrectly reported my XXXX date if delinquency, which could lead to the satisfied negative account to stay on my credit files past the XXXX year legal mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have a student loan with Navient ( Formally XXXX XXXX ) and I forgot to make two payments and I started to receive phone calls on Friday. I received one on Friday, one on Saturday, one Sunday, one on Monday, 7 on Tuesday ( 3 of which occurred after I scheduled an online payment to make account current ) and then one more on Wednesday after the payment cleared the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX Account number:XXXX  and XXXX XXXX XXXX  Account number : XXXX 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 an account without my written instructions.

I also sent validation letter to validate the allege debt if its 100 percent accurate and valid to collect, but no response at all. Please Delete these Accounts.

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 2015-12-05
Company: Ad Astra Recovery Services Inc
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
was not contacted at all whatsoever about any debt owed. I found out by checking my credit report and finding a collection agency account by ad astra in regards to a seriously past due loan obtained from speedy cash/rapid cash. For 5 months i received no mail no calls or any form of communication from XXXX XXXX or ad astra

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: IN
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2016-07-08
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have a loan pending with XXXX for a refinance. Since XXXX, XXXX inquiries have been made by XXXX and Equifax Mortgage Services on behalf of XXXX. 
I never authorize excessive credit checks by XXXX and Equifax Mortgage Services on behalf of XXXX. 
This is action by the lender and the credit reporting service is unethical and illegal. Please have them remove the excessive inquiries from my credit files ( XXXX, Equifax and XXXX ). Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The date of last active and date of last payment varies from bureau to bureau. Also the late remarks are not consistent with the reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: ALLY FINANCIAL INC.
State: CO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Approximately 18 months ago, my wife and I returned a vehicle to Ally Financial ( " Ally '' ) at the end of the lease term. The vehicle, a XXXX XXXX XXXX, was found to have a few minor dings, for which Ally charged us roughly {$1100.00} for the alleged cost of the repair. I contacted Ally and protested what I believed ( and still believe ) to be an extreme overcharge for such minor damage. After much back and forth, Ally agreed to reduce the amount owed to roughly {$700.00}, which I paid in XXXX XXXX. I subsequently received a letter from Ally stating that my account had a XXXX balance and that my " account with Ally has been settled and you are released from any and all obligations. '' Although it was never explained to me that me negotiating down the balance due on my account was a " settlement '' for purposes of credit reporting, Ally is now reporting this lease to the credit reporting agencies as having been settled for less than the full amount due. In hindsight, this was a clear strategy employed by Ally to deceive me with the intent of ultimately forcing me to pay the original account balance in order for them to stop reporting the lease as having been settled. It was ( and is ) clear to me that my negotiation with Ally reduced the balance due, which I paid in full ( and have a letter from them substantiating the XXXX balance ). Using these sorts of tactics, Ally could in theory charge a customer any amount they wanted to for any sort of fee and report a " settlement '' to the credit reporting agencies for anything paid that was less than the amount demanded.

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 2015-04-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been working with Wells Fargo trying to obtian a modification. We have been told we can afford the payments, which we have agreed, however we fell behind becuase we needed major repairs to the house. We asked for a lower interest rate we currently have a 8 %. Which has also been denied. Wells Fargo just keeps saying we can afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: EQUIFAX, 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 information incorrect

Complaint:
I have reached out several times to the bureau to remove this erroneous item from my report. The bureau states that the item is verified. I have requested them to send me information on to whom they have spoken with at the company, when, and how. Without no response on how they verified the information as accurate.

Company response to consumer: Closed with explanation