BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-04-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
navient been with them since XX/XX/2011 being over charged & intrest put on my loans over charging

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a " second notice '' from  Complete Payment Recovery Services  @  XXXX   XXXX   XXXX ,  XXXX , AL  XXXX . It stated  XXXX   XXXX   XXXX   XXXX  wrote a bad check ( #  XXXX  ) at  XXXX  #  XXXX  on  XXXX / XXXX /  XXXX   for {$130.00}, creditor is Certegy Check Services.  CPRS  is demanding {$170.00} from a non-existent company at my home address. The phone # for  CPRS  on the letter i s (   XXXX   )   XXXX  and is not the same as a number online. CPRS wants immediate payment by phone.

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 2018-04-25
Company: Blackhawk Network Holdings Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
For XXXX this past year, my parents bought and gave me a XXXX gift card worth {$100.00}. When I tried to use the card, I was told that the balance was {$0.00} even though I had not previously used it. When I called XXXX, they told me that a purchase for {$99.00} had been made at a XXXX XXXX in Florida. I did not make this purchase. Somehow, card information was stolen and used. XXXX told me to file a fraud claim and submit the relevant paperwork ( proof of purchase ), which I did. I was then contacted by Blackhawk Network, who I assume is contracted out by XXXX to handle these types of claims. Even though I had already submitted a copy of my father 's bank statement showing the purchase of the XXXX gift card, Blackhawk Network asked for the receipt. I told them that my father did not keep the receipt. I recently received a letter from Blackhawk Network saying that, because they did not receive the receipt, they " are unable to validate [ me ] as the cardholder. '' ( I already submitted to them a picture of the front and back of the XXXX gift card. ) They said that my request is " considered invalid and no further action will be taken on [ their ] behalf. '' After receiving this letter on XX/XX/2018, I called Blackhawk Network, and the only option is to leave a message ( I can not reach a live person ). They said that my call would be returned within 24 hours. To date, I have never received a call back. Blackhawk Network and XXXX are engaging in unfair business practices and abusing consumers. This is not right, and they should be held accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days late with the XXXX/XXXX partial account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. It is impossible to be past due on an account with {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this issue. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: AMERICAN EXPRESS COMPANY
State: MS
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:
I have not received my payroll via direct deposit. I always receive it on or one day prior to my pay date, and now, the American Express Serve company has not answered my concerns, or their phone lines regarding why my funds are not credited to my account. They are withholding my pay, and have not offered to reimburse me late fees for my bills, nor overdraft fees for my accounts. I am without any financial recompense, and do not have any money for food, bills or to commute to work. I have no estimated time when this issue will be resolved. i have filed a complaint with the XXXX as well. American Express is not responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I send {$100.00} To XXXX in a Bank. There was a mistake account number. But the money transfer company saying they deposited the money. But they can not show any proof of that. When we talk with local bank, They are saying The Account number & the Recipient name has to match other wise it will not deposit in the Account. I has trying to Explain this to money transfer company but they are not corporations with me. I just want my money back. The money transfer company name WorldRemit. Transaction Number : XXXX. Date XX/XX/21. Amount {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: AES/PHEAA
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My CBR is still showing my account was 150 days delinquent on XX/XX/XXXX. I have provided proof of payments thru XXXX of XXXX, which would not make the delinquency valid or possible. The lender has informed me they did not report negative information, but my CBR still remains reflective of bad history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a car loa n with Honda Financial. I  'm almost at the end of my loan. I recently received a printout of my payments and extra fees. I was horrified to see all of the LATE CHARGES Honda has charged me. I explain what they   failed to do below.
At the   XXXX   XXXX   2016, I started paying an extra " LATE CHARGES '' fee. I asked Honda Financial at least 3 times to change the date of my payment to coincide with my social security check that is deposited in my account on the third Wednesday of the month. Because every month they were adding a late charge on my balance, because on the date they wanted payment, I did not have the funds to make that payment. They said I had to pay {$170.0   0} to get the date changed. I was unable to pay that amount, at that time. As a result hundreds if dollars in LATE CHARGES was added to my balance since then to now. I am a senior with a modest income. I believe Honda did not change the date of my payment so t hat they could collect extra money in the form of LATE CHARGES, thereby profiting from my inability to pay {$170.00} to get my payment date changed. I would like those LATE CHARGES to go away. It 's predatory and grossly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In XXXX I lost my job, and XXXX repossessed my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to XXXX multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with XXXX and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over three years ago? Was it sold, Shouldnt it be listed as a charge off? And if its a charge off, should it be listing late payments still? And why is the balance still the same, was the car not sold? I called XXXX again this past XXXX of XXXX, and a representative told me that the account has been charged off for years, well if this is so, why is my credit reports stating different? Every month the credit bureaus are allowing this company, XXXX to report inaccurate information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. This company is updating incorrect information every month, and although I have disputed these inaccuracies in writing with XXXX, Experian, and XXXX, they still allow this company to destroy my credit by reporting unverified inaccurate information every month. This account is intentionally destroying my credit file. I am in the process of trying to establish a better life for my children and myself, but I can not because every month, this company ( XXXX ) destroy my credit worthiness by reporting inaccurate unverifiable 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 2020-10-14
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: Old information reappears or never goes away

Complaint:
TransUnion credit bureau as well as XXXX are reporting old account information, old addresses and misspelling of my name that should by law be deleted by now..I hired XXXX to help me with this matter but to no avail the old account information is still reporting threw TransUnion and XXXX credit bureau

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 2022-09-11
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-08-30
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX statement said that {$1400.00} was due by XX/XX/XXXX in order to avoid late penalty. 
On XX/XX/XXXX I wired {$150000.00}, which was enough to pay off the mortgage.
On XX/XX/XXXX Nationstar Mortgage returned {$150000.00} to my checking account. 
To date Nationstar has not sent me an XX/XX/XXXX bill but looking at my account online they say I did not make an XX/XX/XXXX payment and they have tacked on {$63.00} late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent numerous letters to Equifax requesting that the information reported by XXXX XXXX be removed from my record. I filed an identity theft report with the FTC and a complaint with the Michigan Attorney General. I requested that Equifax provide me with a description and person that they spoke with to verify this information. I contacted XXXX XXXX regarding this matter and they sent me a letter indicating that they were unable to locate any active or previous loan under my name ( attached ). Equifax has not provided me with a description of the process used by them to verify this information or who provided this information to them. I believe that by law I am entitled to be provided with that information by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CBC Companies, Inc.
State: MN
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:
Every account and all the adverse information listed on my Innovis consumer report, is fraudulent accounts and inaccurate information. I shouldnt have any adverse information or fraudulent accounts listed on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Company stated that they could not really help me close the account. I do not want to do business with capi tal One  anymore. I want the bank to close my sharebuilder account per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 190 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I reached out to Captial One concerning the two credit cards. Essentially, I set up a payment arrangement with them back in early 2020 because I experienced financial hardship due to the COVID-19 pandemic. I was able to set up the arrangement and had the dates clearly outlined over a call. For one card, I made the payment as promised and for the other, I was told that the card was placed into collections. I've requested copies of the recording that would validate my story and capital one has chosen to simply ignore the request alongside the collection agency. One account is now current but the late fees are bringing down my credit score. The other account is in collections and no one is willing to assist me. Per SEC 4021 of the CARES Act, these late fees should be updated on my credit report for all 3 agencies. This has yet to happen. Regarding the charged off account, I demand proof that I followed the appropriate parameters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. '' should be excluded from consumer report. I demand that XXXX, TransUnion, and XXXX remove these transactions from my reports immediately as they are a violation of my rights as Federally Protected Consumer under 15 USC chapter 41.

15 U.S. Code 6801 - Protection of nonpublic personal information Pursuant to 15 USC code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to any company to furnish my reports to any consumer reporting agencies.

Pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports, the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer. 

XXXX, TransUnion, and XXXX have been reporting consumer credit transactions without the consumer 's authority. Congress did not give them authority. Pursuant to Fair Credit Reporting Act 602. ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. 

With all the information provided above for example, XXXX, TransUnion, and XXXX have been reporting without my consent a case that is in XXXX since XXXX. The alleged attorney claims to be representing XXXX  XXXX XXXX and the Trustees. This issue has caused me to be ineligible for COVID Small Business Loan. The max cap was {$500000.00}. I'll be providing this evidence when I am ready to assess actual damages. BUT NOW I AM GOING TO BUY A CAR SO I DO NOT NEED THIS CREDIT ISSUE TO HAPPEN AGAIN.

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 2017-06-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have  applied to Wells Fargo  numerous times for a loan modification over the years. I have never received any assistance each application for assistance is met with a new reason why I do n't qualify. However, in a letter dated  XXXX   XXXX , 2017, from  Wells Fargo  bank which I received on  XXXX   XXXX , 2017, they are notifying me that my payment will increase by {$1000.00} beginning  XXXX   XXXX , 2017. There is no way I am able to keep my home with this increase, furthermore, I have less than 30 days to make these changes.   The Califo rnia Civil Code  states that I have to have at least 60 days notice to accommodate such a increase. C CC 1916. 6 1916.5 1916.8 and 9.

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 2019-11-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF XXXX, XXXX, EXPERIAN

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