BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
We sent a payment via XXXX through Truist on XX/XX/11 in the amount of {$85.00}. It has been debited through our account but the receiver of the payment has not been paid. We have called Truist XXXX times in the last 30 days, but they have been unable to help us.

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 2020-03-21
Company: Experian Information Solutions Inc.
State: FL
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 CHECKED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS ARE ALL NEGATIVE ACCOUNTS AND IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. I AM ASKING THAT AND INVESTIGATION TAKES PLACE SO THAT THESE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS 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 non-monetary relief
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 CREDIT Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXXt appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Please delete these items : XXXX XXXX XXXX  XXXX, CT  XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX 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 2021-01-15
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted the company several times about the debt asking them to provide me with a contract that I signed with them stating i owe them what they asking for and to stop collection activity. they did not deliver. the also went and put the collection on my credit report using another address of the collection company and listed it under a false name on my credit report. I sent my final communication to them to remove this account from all my reports and cease all contact and collection activity. they have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Transunion hasnt added my credit card account XXXX XXXX XXXX   Acct # XXXX XXXX  has not added neither one of my accounts to my credit report. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX/XXXX Acct # 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 2022-03-28
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
the car was pick up in 2019 and sold i quess but the company is still wanting me to pay XXXX for them to remove it from my history thank you

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 2021-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have a few accounts in question that I've been trying to get to the bottom of please see the dates and accounts I have requested a response for : XXXX XX/XX/2021 and XX/XX/2021 ( no response ) XXXX XXXX XX/XX/2021 and XX/XX/2021 ( no repsonse )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: SLM CORPORATION
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Sallie Mae is the loan company, however XXXX XXXXXXXX XXXX is the school. Currently there is a open application with the Borrowers Defense ( US Department of Federal Student Loans ) for this student loan due to a school closure and the school making promises to me in which they did not fulfill but still want me to pay. XX/XX/2021 when contacting Sallie Mae the company stated it is not their problem the school closed nor does it matter I have a approved forbearance with US Dept. of Fed. When contacting the Borrowers Defense they have all student loans on forbearance. Sallie Mae continues to be harassing and does not take into account the forbearance currently on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: ZWICKER & ASSOCIATES
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Zwicker and Associates sent me a letter on XX/XX/2021 about an alleged debt owed to XXXX XXXX. I sent a cease and desist as well a debt validation letter with a green receipt that was received on XX/XX/2021. For the validation of the debt ZwickeXXXX sent me statements and terms and conditions pages. They never provided me the address and name of the original creditor. They have since taken legal action against me and filed a lawsuit. This is a violation because a debt collector can not be an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 refinanced my home through XXXX in 2020. I had paid XXXX on time every month. XXXX contacted me saying they bought the mortgage and needed to pay them for the month of XXXX and XXXX of 2020. I had already paid XXXX this money. However, XXXX still hit my credit with a late payment. I have paid out of my savings to get current with XXXX while XXXX still has my two months of mortgage payments. XXXX said they are releasing the money to XXXX. However, XXXX still hit my credit with a late payment and my score dropped XXXX points as result. According to FBR 1024.33 the actions taken against me by XXXX are a violation of regulations.

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 2022-10-14
Company: Experian Information Solutions 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:
The fees that I'm disputing on my account was closed years ago and for some odd reason it is negative on my credit report and is also updated when I specifically remember on Experian it stated this would fall off of my report XX/XX/XXXX. For some reason it says it was updated when that makes no sense. Even if it was on my credit report for up to 7 years which it is past that time frame even from XXXX when this was addressed it is XXXX. This should have been fell off my credit report with no issue. I also called the number that they said to address my situation with and it was not a working hard number which I do now feel something fraudulent is taking place and my credit should not have to take a hit for this

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 2017-02-06
Company: Credit Karma, LLC
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to sign up with the credit karma app on my phone and it said my information does n't match. I do n't know what to do to make it match because I 'm putting my correct information in.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have a few accounts in question that I've been trying to get to the bottom of please see the dates and accounts I have requested a response for : XXXX XX/XX/2021 and XX/XX/2021 ( no response ) XXXX XXXX XX/XX/2021 and XX/XX/2021 ( no repsonse )

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 2022-10-14
Company: Experian Information Solutions Inc.
State: FL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2017-01-20
Company: Navient Solutions, LLC.
State: TN
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 have outstanding student loan debt that has grown significantly that I can not afford to pay due to me being put into forbearance status time and again instead of putting me in an income based payment plan like I have asked for. This has been slowly killing my credit and is making it impossible for me to get out of debt. Most of the loans are Federal through Navient but a few are private through Navient. I have had some major life changes where I am now at home and unable to work due to other responsibilities to my infant, XXXX children, and XXXX mother. Please help me get them to enroll me in an income based payment plan so that these can stop damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX 2020, We noticed a withdrawal from the account for the amount XXXX, the statement showed that the wire transfer was from XXXX XXXX a name we didn't recognize. We called capital one to inquire on XXXX 2020. The bank said " not to worry that it did not go though because they weren't able to get ahold of the signer ''. That the money would be redeposited into the acct in a few days. A week later I called again because I did not see any action taken and that's when they sent me to the fraud department. They said it was a fraud and that they will look into this matter and closed the account without notice. This is a business account it caused us a huge amount of trouble bounce checks changing all vendors etc to new account. Today is XX/XX/2121, and every time I call the fraud department they tell me that they are waiting for the other bank. Its almost three months this is a huge amount of money that we are in need of. 
My experience with wire transfer is I have to go to the bank show ID, and fill out paper work. This wire was done though the computer. No one called the signer, for approval. 
Total incompetence 's from the bank. I trusted the bank " Capital One '' to safeguard my cash and the bank without questioning the obviously suspicious activity, paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Lending Club Corp
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This is a XXXX bill from at least 2 years ago. XXXX started sending my past due statements to my ex-wifes parents house where I have never lived there and she has n't lived there in over 15 years. They continue to call my cell phone every day at least 5 times a day. They called me 7 times today from unknown caller within a 8 hour window. I have told them to stop calling and just sue me if they want because I do n't have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
the account was made in 2009 and is currently past the statue of limitations. The company has not removed the 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 2021-01-15
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I had a recent transaction as a seller on XXXX where I explicitly said the item is local pickup only. An out of state buyer knowing this ( sent email before hand ) bought the item, sent no money for shipping. The buyer paid {$270.00} after taxes. I obviously needed to cancel this listing. However, paypal immediately took their ~ {$8.00} fee when the buyer paid and taxes. Leaving about {$250.00} in my paypal account. If I wanted to refund the buyer, paypal said I would 'need to go in the negative ' as the paypal fee can't be refunded. XXXX support told a similar story and said the only recourse will be for me to refund the {$260.00} and me lose my {$8.00}. As of XX/XX/XXXX  paypal refunded the buyer {$260.00} dollars and hence I lost {$8.00} since they did not refund my {$8.00} paypal fee. 

I don't know how this is legal that paypal keeps their fees for someone buying something willingly disregarding my listing stipulation ( no shipping ). Hence, the seller automatically loses money if a refund needs to be made. Paypal needs to have their fee be refundable if the buyer willingly acted in bad faith. My transaction was XXXX ID XXXX Paypal transaction ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My Loan with this company was fully paid off several months ago ( XXXX XXXX ), I have since been requesting proof of this I called several times, they would put me on hold for an extended time, transfer me from department to department with no help, and finally some one would promise to provide the information, but to date nil. I just reached out to them today XXXX/XXXX/XXXX, spoke to four persons ( names ) and when I indicated that i 'm recording the call, I was abruptly disconnected from the last person. I have been patient, but this practice is unacceptable, I needed this information for my other loan that 's not with Selene Finance, and for clearance for work. They are messing with people lives and do n't care. I also need help in acquiring the proof of payment. It is my legal right that I have access to the information and this is a violation of same, I would seek legal advise but that is an expense I can not afford at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
SIGNED A LEASE WITH AN APARTMENT COMPLEX BECAUSE THEY SAID THEY WERE PET FRIENDLY, TWO DAYS LATER I TOLD THEM I WAS BRINGING MY DAUGHTERS DOG IN AND THEY ASKED WHAT KIND. AFTER I TOLD THEM THEY SAID NO - I SAID THAT THEY SHOULD HAVE TOLD ME THAT UP FRONT AND TO JUST TEAR UP THE LEASE AND I WOULD GO ELSEWHERE. THEY SAID THEY NEVER DO THAT AND THEY WOULD SEE ME IN COURT. I LEFT AND THEY KEPT ALL MY DEPOSITS AND LEASE,,,, ALL I WANTED TO DO WAS LEAVE BECAUSE THEY LIED,, THEY KEPT MY MONEY AND TURNED IT IN FOR COLLECTION

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$390.00} ) violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2022-10-14
Company: Mercedes Benz Financial Services
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am reported late for XXXX and XX/XX/2022. The website allowed me to submits for a deferral request for the XX/XX/2022 payment. I feel that is misleading because it was not able to be honored I have attached photos below. The XXXX payment was pairs within 30 days. Payment was due XX/XX/XXXX. I made payment XX/XX/XXXX, that is XXXX days. That needs to be correct on my credit report. I have attached payment history below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has 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 a account without my written instructions

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 2016-07-01
Company: EOS Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an outstanding debt with XXXX XXXX. I settled this debt with a different collection agency a long time ago. The information was verified and is reported correctly on my credit report. However I continue to get calls from EOS CCA trying to collect {$110.00} for a XXXX XXXX debt that has already been resolved. This agency is harassing, rude, and does not have valid information and continues to try and get my personal payment information for a debt that has been resolved.

Company response to consumer: Closed with explanation