BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: CITIBANK, N.A.
State: NC
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 received an incorrect item through an online purchase using my Citi Card. The customer sent me the incorrect Item. I ordered a XXXX XXXX bag that I paid {$2000.00} for and received a {$40.00} XXXX XXXX. I opened a dispute with citi and provided all the documentation that they requested to have this removed from acct, but will not remove the charge. I showed the what i ordered, what I received.

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 2022-04-14
Company: Experian Information Solutions Inc.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I asked XXXX XXXX not to call my phone they said I owed {$740.00} and I asked Portfolio recoverys to write me only letters they say that I owed {$400.00} in XXXX XXXX as well as XXXX XXXX saying i owe {$130.00} in a small loan, I asked all three companies not to call my job or my moms phone and my dad '' s phone, I also asked them not to call my job or my mom and dad '' s phone but they did anyway they also called me at XXXX,XXXX,XXXX, XXXX XXXX,XXXX,XXXX, XXXX XXXX XXXX I asked them to call me at a certain time but they still call me at different times..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2020, I was granted a hardship forbearance from First mark Services/XXXX XXXX student loan payments for a two-month increment. I spoke on the phone with a representative who confirmed I was eligible for a two-month hardship deferment. The representative assisted me and filled out an application through their internal system that was subsequently approved. 
I received letters in the mail confirming that I was approved, which I have attached to this form. The letters are dated XX/XX/2020. I received a call on XX/XX/2020 from XXXX XXXX  XXXX, informing me that my loans were in collections ( I am not 100 % sure of the relationship between XXXX  and First mark, but my understand is that Firstmark administers the loan payments on XXXX  behalf ). XXXX  was not aware of my hardship forbearance and transferred my call to Firstmark services. 
Firstmark services informed me that my hardship forbearance had been incorrectly approved. They informed me a denial letter was sent in the mail on XXXX XX/XX/2020, and I should receive it soon. Firstmark informed me they had not sent any emails, but had attempted to contact me by phone 3 times. Firstmark services informed me that I did nothing incorrect, and that it was an error on their end that resulted in my hardship being approved. I asked if they could honor it, since I have documentation stating I was eligible and granted the hardship forbearance, and they informed me that the decision was made by XXXX XXXX, and they could not approve it. XXXX XXXX logo is on the letter that affirms my complaint hardship forbearance was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 recently tried to apply for a new job and discovered that my credit profile has addresses and information that is not accurate. My Name should be listed as XXXX XXXX XXXX. I live at XXXX XXXX XXXX  XXXX OH XXXX. My SS XXXX DOB XXXX. Please delete any other variations of my name. Please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have several numbers on my file that do not be long please delete the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 explanation
Consumer complaint received 2017-12-01
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing, LLC has not had an operational website since my loan was transferred to them in XXXX 2017. As they refer you to their website to obtain information about your account it would seem logical the site would work.

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 2018-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XX/XX/XXXX interest rate = XXXX XX/XX/XXXX interest rate = XXXX, constant for 5 years ... and then ....

XX/XX/XXXX interest rate = XXXXXX/XX/XXXX interest rate = XXXX XX/XX/XXXX interest rate = XXXX XX/XX/XXXX interest rate = XXXXXX/XX/XXXX interest rate = XXXX   XX/XX/XXXX interest rate - XXXX For 5 years I had a rate of XXXX. Starting in XX/XX/XXXX XXXX XXXX started increasing my rate at 0.25 % per increase, with 6 increases in 18 months! I called and complained. They said that there was nothing that they could do. This is greedy and immoral.

3 increases in 5 months!

I have had no late or missed payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I live in California. I purchased baseball tickets from a company called XXXX on XX/XX/XXXX for a game in New York on XX/XX/XXXX for {$140.00} using my Wells Fargo debit card. 
Because of the Covid -19 situation, I quickly changed my mind about attending the game and I planned to resell the tickets. However, to this day, I have not received the tickets or an answer from the company. 
I open a dispute with Wells Fargo and they told me I had to wait until XX/XX/XXXX, the day of the original game, to see if I receive the tickets. 
I received a letter on XX/XX/XXXX from Wells Fargo stating that since the purchased was made from me or an authorized person, the dispute was decided against me. 
I never disputed I made the charge. I disputed I never received the product I paid for.

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 2023-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Had a Wells Fargo auto loan 2012 to current date and believe some mishandling of my loan happened.

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 2021-08-30
Company: Creditors Bureau Associates
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: WV
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 participates in willful, ongoing and repeated failure to provide any real response to inquiries, disputes and requests for information. I exceed the identification requirements each time I submit a request, yet they continually send responses that request identification, despite that information being provided already. The law requires their timely response. Their responses are as ambiguous as possible, not referencing which dispute they are responding to, and basically sending a form response that means absolutely nothing and provides no useful information or feedback on any given dispute. From this point forward, all disputes will be cc 'd to the Attorney General 's office and legal counsel for review. How many complaints like this will it take for CFPB to correct the issues, instead of just counting on the companies to comply with law? Clearly the companies are not interested and don't care about compliance, so consumers submit complaints to CFPB, thinking it will make a difference, but yet the companies continue with their non-compliance, without consequence. How long do consumers need to put up with this level of abuse of power? These companies hold an enormous amount of power of consumers and can and do affect livelihoods, and they need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: DISCOVER BANK
State: KY
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 has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for I purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Refinanced loan and sent payoff check to Kia Motor Finance Company in the amount of {$23000.00}. The loan amount the day of payoff check cashing ( XX/XX/2021 ) was {$23000.00} ( principle plus interest ), resulting in an overpayment of {$390.00}. As of XX/XX/2021 I still have not received a check for the overpayment from Kia Motor Finance. 

Called on XX/XX/2021 to ensure the payoff check had been properly applied to account. 

Called on XX/XX/2021 to inquire where the check for overpayment was, was told they were still processing it. 

Called on XX/XX/2021 to inquire where the check for the overpayment amount was, sat on hold for 20 minutes with the representative and was disconnected. 

Called for the second time on XX/XX/2021 to inquire where the check for the overpayment was and was told they could send an re-issue request however, that would result in an extra month to receive the overpayment check.

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 2021-08-30
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am filing a complaint against Target Card Services for their handling of my claim regarding fraudulent charges on my store credit card. I have attached the following Items : 1. XX/XX/2021 I noticed charges on several of my credit cards that I did not make. I immediately called the companies involved and the charges were reversed on all cards except Target Stores. 
2. XX/XX/2021 I mailed a letter to Target Stores as instructed by my call to Target Customer Service along with a copy of the fraudulent charges. 
3. XX/XX/2021 I received a reply from Target regarding my dispute of charges. 
4. XX/XX/2021 I called Target Customer Service to check the status of my dispute and was told the issue was denied and a letter of their decision was in the mail. Customer service suggested I make a minimum payment to protect my credit and ask for an appeal to their decision. I immediately mailed a request for appeal of the decision. 
5. XX/XX/2021 I received the letter from Target denying my dispute of fraudulent charges. 
6. XX/XX/2021 I received a reply from Target regarding my request for appeal of their decision. 
7. XX/XX/2021 I received a letter from Target dated XX/XX/XXXX stating they had closed the investigation of my dispute on XX/XX/2021 and all charges, interest & fees would be included in my account balance.

8. Copies of Fraudulent access to my computer beginning XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called into make my monthly payment and was asked if I wanted to go nto a special program that would allow me to skip one month payment. I was not over 30 days past due but was telling them my son was in college and was curious if they had a way to skip a payment. They said they did have a skip a pay program. I was thrilled but working in a job that would not allow me to show a late mark on my credit I explained I had to be sure it would n't affect me negatively. He said as long as I made the payments on time I would not have anything to worry about. I was thrilled! I explained I had to be sure it would not affect my credit score and they promised it would n't. I never signed any documents but they ended up moving to a loan restructuring program that basically pulled money from my escrow account. I had NO idea this was happening. I need someone to request the phone records since they said the conversation was recorded. I now show I was moved to another lender for 6 months but my actual loan with XXXX show all payments were made on time. No late marks. But this other lender XXXX now pops up on credit report and shows I was 30days past due the entire time I was in the program. They completely misrepresented themselves. How could they do something like this without me signing any documentation. I work at a bank and have never seen anything like this in my life. I have never complained before. This is just totaling breaking consumer disclosure laws. please help 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 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I 'm not understanding the interest on the balance ... the amount is more than what I was told and I 'm not seeing a decrease with my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My mother took out a loan for my college education with the Highe Education Student Assistant Authotrity in 2009. They made it seem that they were offering a federal loan. They sell themselves as being entirely affiliated with the state of New Jersey ; the state emblem and a picture of XXXX XXXX are on the front page of the website. They are, in fact, entirely private and I 'm filing this complaint because they 're misleading. I 'm also filing this complaint because they do n't offer income-based repayment or consolidation. They 're demanding more than {$1000.00} per month from me, a ludicrous amount for a new graduate, and there does n't seem to be any chance of paying anything less than that, ever. Negotation is out of the question. Their truly despicable customer service is part of this complaint but is the most insignificant. They present themselves as being federal but are neither federal nor private, they 're something else entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, 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:
In accordance with 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 a consumer report. The definition of a credit card 15 USC 1681 is the same as it is under 15 USC 1602 ( i ) in which the the term " credit card '' means " any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Congress states any card. My credit card ( social security card ) was used to originate every consumer transaction below. They should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am demanding you remove these transaction from my consumer report within three ( 3 ) days as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

I have included identifying documentation, exhibits and police report documenting the due diligence taken on behalf of myself to avoid litigation with your firm for being complicit in this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: WELLS FARGO & COMPANY
State: MT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Dealing with bank that is notorious for trouble, and discrimination. Tried getting secured loan, first told I was denied for not having enough money in savings account, branch manager informed me to put just XXXX more in savings account, no problem, did that, branch manger resubmitted request, now I 'm denied for debt to income ratio. District manager gets a wiff, now she files complaint on my behalf realizing there is something definitely wrong, something I 've been saying 30 years now.

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