BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In 2015 I requested a copy of my ( XXXX ) credit files from each of the bureaus but only received my report from Equifax in which I found a judgment from XXXX XXXX XXXX for an account that I knew nothing about. Whilst investigating this information I approached XXXX XXXX Courts file room using the case number reported in my report, it was established that there is no record of this case number or any account in my name warranting this inclusion in my credit file. I am requesting that Equifax make right the problem and delete this entry from my credit history and furnish me with an updated copy of my credit report showing the deletion of this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I went to XXXX Univeristy in XXXX XXXX, IN. I took out private student loans to help pay for school and immediately began repaying them when the loans went into repayment. That was XX/XX/XXXX. It has been nearly 5 years since I made my first payment and my balance has n't been touched on the largest loan I have through AES/PHEASS. When I applied for these loans I was barely working full time for $ XXXX/hour and supporting myself on my own ... very meagerly. However, the lender informed me that if I qualify for {$1000.00} loan then I also qualify for a {$30000.00} loan. That was XX/XX/XXXX. How can being credit worthy for {$1000.00} mean that I 'm equally as creditworthy for {$30000.00} especially at that income? While I was in school it capitalized until it totaled {$45000.00}. I 've been paying more than my statement says I owe, sometimes by as much as {$300.00} ... yet the principal on the large loan still never goes down. 

So I attempted to take action, now I 'm scared I 'm being scammed again. I got a call one day from XXXX XXXX who said he was a financial advisor through XXXX XXXX. He put me in touch with a group saying the loans were predatory ( I agree ) and if I pay half what my loans were for ... their lawyers will prove the loans are invalid and will have them dismissed. Has anyone heard of XXXX XXXX XXXX., XXXX XXXX, or national legal staff support? These are the people claiming to handle my case, and I just recently was sent a power of attorney form to have notarized in case lenders refuse to release information. I am afraid to go forward any more than I already have until I know this is n't a scam. How do I fix the damage I may have already caused myself by following their directions and not paying the lender? 

I feel like without doing something, I will never pay these loans off. Until last month, I 've paid faithfully, and usually more than I owe. I do n't understand how I 'm not getting anywhere when the bill says I owe {$95.00} but I have paid {$400.00}. Where is my money going and if I owe it, why is n't it on my bill!?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original debt from XXXX XXXX Bank went into collection due to financial hardships. I then had a case/judgement filed against me on XXXX/XXXX/2008 by XXXX XXXX XXXX Attorney at Law in the state of Oregon. A garnishment was granted and payments for this debt were taken directly from my wages. I have the court paperwork and case numbers. The debt was paid in full through this garnishment. Several years later, this law firm was shut down by the Oregon Department of Justice XXXX and the attorney barred. In the past year, this original debt to XXXX XXXX has resurfaced and is being pursued by Portfolio Recovery Associates LLC. I have written them, corresponding to both addresses in the collection notice, explaining that this debt is not valid, yet they continue to pursue the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
Company: Navient Solutions, LLC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX I filed a dispute with XXXX  in regards to a debt with The loan servicer, Navient. In my dispute I argued I've never taken a loan out with Navient, I don't know them and never signed a contract with them for a student loan. 

To this day, the debt still remains on my credit report as deferred because Navient supposedly reported certified information to XXXX   as accurate. Therefore the information was not changed. I'm not sure what certified information they could have used to show the information reported as accurate however I have yet to see any such information. It is clearly false information since I have never heard of, seen or signed any legal documents with Navient. 

The loan amount balances : 1. {$54000.00} 2. {$4000.00} 3. {$2200.00} 4. {$4400.00} 5. XXXX XXXX 6. {$670.00} I have no idea why these loans exist on my credit report, however I would like to resolve this issue as quickly as possible. This is a case of stolen identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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: Personal information incorrect

Complaint:
I sent a letter of dispute on XX/XX/2020 and its been over 60 days with no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 contacted transunion as well as creditors to try and get down to the removal of the inquiries involving a removal letter but no one i contacted helped me reach a solution. all companies were contacted on XX/XX/XXXX. after several unsuccessful attempts the inquiries remain on my credit file. 


unauthorized inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
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 as a Consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C. 1692C -If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Navient Solutions, LLC.
State: NJ
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:
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 as a Consumer reporting agency can not furnish a account with out my written instructions. 

15 U.S.C. 1692C -If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: MI
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 is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/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 2016-12-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I had a Brooks Brothers credit card through XXXX account # XXXX. In 2016 Brooks Brothers changed banks to Citibank. Citibank then changed my account number to XXXX without my knowledge. I continues making payments under the old account number to XXXX. XXXX forward my payment to Citibank. but Citibank has refused to give me credit for the payments made. I have provided Citibank with multiply proof of payments but Citibank claims that the documentation is not adequate. The documentation provide came directly from XXXX with photo copies of the front and back of the cancelled check which was endorsed by Citibank. Citibank appears to be incompetent and continue to harass me threatening to make false reports to credit agencies in a effort to force me to double play. 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 monetary relief
Consumer complaint received 2022-05-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my home to a wildfire in 2021. At the time of the loss, I had only force placed insurance coverage through the mortgage lender. My understanding of said coverage is it only protects the lender and pays off the loan. Since I suffered a total loss and had no HO policy, I therefore could not continue to make my mortgage payment as well as a monthly rent to have housing for myself and my son. I have contact my mortgage company and advised them of my financial status. I have also requested more information regarding this claim process and confirmation that my understanding that my loan would be paid in full but have not received adequate information. I am now being told that the forced place carrier has submitted payment far less than my mortgage balance and I need to submit the difference before my lender will apply any monies they have received from the insurance carrier. I do not have that amount available nor do I understand how the adjuster 's report devalued my property so badly. 
I am in need of assistance as I am in default and I can not even sell the bare land to try and repay late fees/penalties to the lender. 
I understand that I have no compensation for my personal belongings, expenses paid for housing however I do not understand why the principle balance of my mortgage loan was not paid by the insurance carrier.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I obtained a store credit card through XXXX in XXXX 2015. Not knowing the company would no longer be usin TD retaIles as the finance company. On XXXX XXXX I received a letter stating I would no longer be able to use the store card. Had I known this, I would not have opened a card with an XXXX limit and only XXXX spent. I pulled my credit report and the account is reflected as closed and my credit score took a hit as a result. This is unfair and wrong. The account can not be transfered to the new finance company and I would have to re-apply causing my credit to be pulled again. I 'm beyond appalled and upset with XXXX failure to mention this. I would have never opened the account or I would have waited until the new finance company was in place. Please assist or provide advice as to what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I always check my account before purchasing anything. I notices a lot that the money in my account fluctuates a lot causing me to have overdraft fees.

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 2022-05-20
Company: EQUIFAX, INC.
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:
In accordance with the fair credit Reporting act XXXX  account # XXXX ( XXXX  XXXX ), # XXXX XXXX XXXX XXXX, # XXXX ( XXXX XXXX XXXX ), and a few hard inquires from XXXX XXXX XXXXXXXX, XXXX card, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights and have inconsistent information being displayed on all 3 bureaus.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 section 1 : states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: NJ
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2015-12-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
I used my Target M/C red card which is supposed to get me a 5 % discount on target purchases. I made a {$23.00} purchase on XX/XX/2015 and they only gave me a {$0.00} credit and said it is 5 %. I also noticed that they are not collecting the correct amount of tax which is 6 % in Florida as they only taxed {$18.00} of my cat food purchase of {$23.00}. I suspect this has happened on all of my target red card purchases for the past 5- years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: HUNTINGTON NATIONAL BANK, THE
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicing was recently sold from XXXX to Huntington Bank. I have already filed a written complaint about XXXX ( see complaint XXXX ) Now I am having the same issues/problem with Huntington. 

My XXXX City Taxes are way past due and should have been paid from my escrow account. I have a TAX LEVY letter in hand that both XXXX and Huntington also have. There is {$22000.00} in my escrow account. The taxes due are about {$11000.00}. 

Separate from the XXXX experience, this have been my calls with Huntington. I have been fighting with these XXXX companies to pay my PAST DUE TAXES for almost 3 months now. Here 's the latest : XX/XX/XXXX : I notified Huntington of a TAX LEVY letter that I received for unpaid CITY taxes. The representative on the phone assured me that my UNPAID CITY taxes would be paid within a XXXX business days. 
I was told that my problem would be escalated and that Id get a call back. 
I never heard back NO CALL BACK XX/XX/XXXX : I called back to confirm that my taxes had been paid and was told no, not yet, I was assured that theyd be paid promptly. 

XX/XX/XXXX : I called back again to check status. Still unpaid While on the phone, the representative ( XXXX ) indicated to me that the reason that taxes havent been paid because Huntington received a notice that my property was scheduled to be apportioned. I asked her where she got that notice from. She had no idea. She could not find any such notice. Instead, she said it was just in the notes. 
I then asked her to get my City Tax office on the phone with us, which she did. My city tax department confirmed that they have NO RECORD WHATSOEVER of a pending apportionment. 
XXXX said that shed note that and escalate it and have someone call me back. 

This problem carries back to the former loan servicer ( XXXX ). I have been BEGGING both XXXX and now Huntington since XX/XX/XXXX to PAY THE TAXES THAT ARE DUE TO MY CITY immediately. Both have refused to, given me the run around, and broken promise after promise to pay this bill and also to call me back. 

These are the FACTS : Huntington has a TAX LEVY LETTER from my city The amount of taxes due is CLEARLY STATED on the letter The City had CONFIRMED that there is no pending apportionment And, yet, Huntington still refuses to pay the bill, thus putting me at risk of a TAX LIEN. 

Again, this issue traces back to the prior service provider and I have been fighting to get this paid since XX/XX/XXXX. Almost 3-months of repeated phone calls, faxes, emails. Navigating phone systems. Having every person tell me they understand my frustration and will get it escalated and taken care of. All for nothing. Its not fixed and I am beyond stressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/2016 I traded in a XXXX Toyota Prius for a new XXXX Prius at an APR of 1.9 %. My payments were approximately $ XXXX/month. Today I looked on line at my account. Toyota 's system was down today but there was information available that I had not seen before. There was a schedule that showed my payment broken down by 1-payment, 2-principle, 3-interest. The interest was {$43.00} per month for the payments that I have made. This does not calculate to 1.9 %. This is not seen in the restarted Toyota webpage. I looked at my contract and there is a statement saying that I am paying " simple '' interest. This is defined in the small print. What I discovered was that there is an amortization schedule that shows what the quoted APR of 1.9 % is if the loan is carried out to the end of the 60 months. Most of the interest is front loaded just like a home mortgage. This is not disclosed at the time of sale and no amortization schedule is offered at the sale. In fact the only amortization schedule is a sample one on their webpage. I am concerned that this is a way that Toyota is causing people to unknowingly become underwater on their account when they go to sell/trade in their cars before the end of the contract, especially in the first 3 years of the contract when the actual percentage of the financing can be as high as 10 %. Toyota does not say that the 1.9 % APR is calculated over the lifetime of the loan, not as is implied as a yearly APR. Incidentally XXXX discloses on all their monthly statements the amount of money going towards principle and interest. Toyota does not. These types of loans require disclosure of an amortization schedule at the time of home purchasing and the automobile companies should be held to the same standards. Unfortunately I do not have screen captures of the Toyota webpage when it was not functioning correctly.

Company response to consumer: Closed with explanation