BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-24
Company: Comerica
State: AL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have XXXX complaints with DIRECT EXPRESS debit card XXXX Thye are XXXX with Debit charges on my bill XXXX in XXXX for XXXX NC XXXX and it was for XXXX nights in hotel tottalling XXXX. 
I have complained to XXXX and to DIRECT EXPRESS in writing and go no possibility of relief for bill I did not do. 

Secondly, I was in a XXXX in XXXX I first checked into XXXX XXXX XXXX for 5 weeks. I found I could get into my new home earlier. I told them I would be out on Tuesday Morning. I asked for a refund. None was offered. I asked for refund from XXXX, they said you paid, even though you do not stay we keep the money. I complained to Direct Express, included statements from back showing what I was charged. Nothing as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: BARCLAYS BANK DELAWARE
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:
On XX/XX/XXXX, I submitted to Barclays Bank Delaware via a certified letter a request that they cease their unauthorized hard inquiries to my credit report and that they contact the credit bureaus to have them removed. I stated that to my knowledge, I had not signed any document authorizing their organization to view my credit history and therefore, their inquiry violated the Fair Credit Reporting Act, Section 1681b ( c ). I also asked that if they were in possession of any document that they believed authorized them to make the inquiry into my credit report to provide me with a copy for my review. 

In responding to my letter, instead of providing me with a copy of any material they believed authorized their review of my credit report, the company stated " they completed a through review of your situation '' and that " research '' indicated there were applications submitted on my behalf. They did not provide a copy of the applications as requested in my letter. Instead they stated " we were able to verify the information include on the application including the social security number, date of birth, phone numbers and mailing address using public records. '' In my XX/XX/XXXX letter sent certified mail, I asked that if they were in possession of any document that you believe authorized you or your organization to make inquiries into my credit report, that you provide me with a copy of the document. Instead of providing a copy of the document, the company chose to submit a letter that claims to have verified the validity of the inquiry. This is not sufficient under the law. 

As an initial matter, the other company listed in your letter is not listed as the one requesting the inquiry, but your company is. Given this, you are a furnisher as defined by 16 C.F.R. 660.2 ( b ) because you are an entity that furnished information relating to me ( the consumer ) to one or  more consumer reporting agencies.

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 2020-09-03
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was placed into a covid-19 pandemic deferral program by Audi Financial back XX/XX/2020 until XX/XX/2020 and the total placed on the back end of the lease ... I was told that a lot of customers are struggling to make on time payments due to inconsistency with income so they were not going to report any negative remarks if more than 30 days late to the credit reporting agencies until further notice and that they are only reporting " D '' for no data on all Audi financial customers that are struggling to make on time payments. For some reason I scheduled my XXXX payment online to be paid on XXXX and payment is due XXXX it didn't transact so it hit on XXXX and was considered more than 30 days late and they reported a late to the credit agencies dropping my credit score and said that it was a mistake and it should have just shown " D '' for no date per the audi fin reps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: Cottonwood Financial Ltd.
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX my daughter contacted me about a phone number of XXXX that kept calling her asking for myself. She preceded to tell them that that was not her phone number and please quit calling. They called back two more times ( a total of three times on this day ) and when my daughter said this is not my moms phone they hung up on her. She said the gentleman was a complete jerk and very rude. The third call was a lady saying I had to go to court over money I borrowed. I have never received any court documents for this place of business. I was late two payments in XXXX  and settled out on a payment plan with them. Just out of the blue they call and harass my daughter.

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 2021-02-19
Company: EQUIFAX, INC.
State: TX
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:
XXXX LATE PAYMENT INCORRECT REPORTING. I opened this account in XXXX whenIi moved to XXXX XXXX XXXX # XXXX XXXX, NY. A year later I moved to XXXX XXXX XXXX, XXXX NY XXXX and the following year I moved back to the same apartment ( XXXX XXXX XXXX # XXXX XXXX NY XXXX ) during the process of moving back, the XXXX agent wrongly left the account from XXXX XXXX open instead of forwarding my account to the new address. The agent opened a new secondary account on the XXXX XXXX XXXX address leaving me with two open accounts while continuing sending bills to XXXX XXXX XXXX. XXXX NY XXXX. Late in XXXX of XXXX I discovered through my credit report that I have over {$600.00} collection account open with XXXX, despite me paying my bills. After months of investigation and escalations, finally a manager from the executive department apologized for their mistake and told me that if I pay off a balance of around {$270.00}, they would remove the account from my credit. Here is the case number that pertains to the above information, and to the removal of the XXXX  account. Escalation Case number : XXXX Unfortunately, after following the managers directions and paying the balance, the account is still being listed on my credit report despite my disputes and XXXX promises. Please remove this XXXX account immediately as it is causing unjustified and unreasonable damages to my credit and to my life. XXXX LATE PAYMENT INCORRECT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX REPORT THE LATE ON MY ACCOUNT WHICH NEVER BEEN LATE

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 2022-02-20
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
XXXX XXXX is an old account that has been on my report displaying negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: NY
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 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 ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report 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 The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a loan re-cast and were denied based on : - " Our monthly Income amount of {$8400.00} Is sufficient to sustain current payments under the Note and Mortgage without modification. '' - This is an error. Our monthly income is under $ XXXX monthly. 

- We are both retired and receive income from Social Security and a small XXXX XXXX XXXX. 

- Award letters were sent to lender along our letter of their error. 

Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
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: Account status incorrect

Complaint:
My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as collection/charge off. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, Experian, and XXXX  ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.

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 2023-03-30
Company: LEXISNEXIS
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:
I disputed XXXX XXXX information with the bureau and it came back verified. I reached out to the account holder and the company said they had no information or an account affiliate with the information I provided which was a copy of the credit report my drivers license and a utility bill. I asked them to provide the procedure in which you verify records with the credit bureaus. I received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been literally wrestling with TransUnion trying to get them to remove 5 inquiries ( that are unauthorized ) from my credit report and to delete XXXX XXXX XXXX ( this account has been settled, paid the balance is XXXX ). 

I have spoken to customer service reps. and supervisors on several occasions and my pleas to remove or delete these items have fallen on deaf ears. TransUnion will not help me and refuse to take care of these issues ( remove or delete ). 

I have asked for verifiable proof regarding these inquiries and have received no proof. I have no choice but to seek assistance with these urgent matters. I'm tired of going back and forth with them and I see that they are unwilling to assist me. So here 's my dispute : I've asked them to remove these unauthorized inquiries and a settled account. 

Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  and XXXX XXXX. Ive sent proof by certified mail that the account with XXXX XXXX XXXX was settled ( Paid, balance is XXXX ) .These items are still on my report and has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and TransUnion has failed to provide me with a copy of verifiable proof for these inquiries. XXXX XXXX XXXX must be removed or 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 2016-12-20
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
This is the third complaint I have made against FedLoan Servicing this year. All complaints, including this XXXX, are a result of my working in a good-faith effort to get my loans on the proper payment plan, update my income, or consolidate loans ... YET when I email them for additional information, or to get clarity on their automated letters, I get NO response. They do not ever respond to emails despite it being a clear option for borrowers to get more information. I have called multiple times, but calling results in XXXX hour waits, which give the nature of my job ( pediatric oncology ), creates significant hardship if not impossibility to stay on the line. I have a right to a timely, truthful response to my questions. I have emailed FedLoan Servicing immediately upon understanding there was an issue to get information about resolving the concern fairly. I have had to make additional payments simply to expedite what I consider to be " system '' or " process '' issues. I 'd as the CFPB to follow up with FedLoan Servicing to audit their email response process, and understand exactly why they can not and do not respond to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Nelnet, 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: Account status incorrect

Complaint:
My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, NELNET is reporting numerous accounts in my name as 120 days late. I have contacted NELNET numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, XXXX, and XXXX  ), and they refuse to delete the item because NELNET responds to the dispute by stating that the loans are verified and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Santander Consumer USA Holdings Inc.
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 information incorrect

Complaint:
Chrysler Capital is showing XXXX late payments on a closed account that is COVID 19 related. This account has been fully obligated and now because of COVID 19 is indicating XXXX time late. Partial account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had our Mortgage moved to Roundpoint Mortgage Servicing Company ( XXXX XXXX XXXX, XXXX XXXX SC. XXXX. XXXX ) It has been roughly 3 years that we have dealt with above company and every year they continue to misappropriate funds from us indicating they have had to purchase Flood Insurance for our Condo in Florida. We have our own Flood Insurance through our HOA for the Condo and we have the HOA send the certificate of Flood Insurance to the Mortgage  Company. This issue again surfaced in XXXX and the same outcome occurred and we were charged roughly $ XXXXmo or about $ XXXX/yr. This amount was added to our Mortgage Payment as Lender Forced Flood Insurance.

We verified that our HOA has had continued Flood coverage for the policy since XXXX and the Certificates of Insurance have been available and on file. We really need help to prevent this company from continuing to misappropriate funds from their  customers. 

We also would like to know who they use to procure this flood insurance since the cost of $ XXXX/year seems totally ridicules based on the typical cost of flood insurance ( if it was needed ). We really believe their is consumer fraud occurring in this area and it needs to be investigated Thank you for your 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 explanation
Consumer complaint received 2016-06-24
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Last year my student loans came into repayment. I got an income driven repayment plan which brought my payments down to {$250.00} per month. This year I did my recertification and due to the sale of a vacant lot which was a money pit for me, my adjusted gross income went up to XXXX. The money was used to pay down my credit cards. I do not have this money any more. Now my oldest son 's loans are going into repayment ( PARENT loans ) ( He graduated on XXXX XXXX, XXXX ) which brings my monthly payment to {$1000.00}. roughly. I pay {$1000.00} for rent, {$1000.00} on a personal loan, and with this payment amount for the student loan. Totaling {$3100.00} per month. My paycheck is {$1600.00} biweekly. totaling {$3300.00} Take the three payments and I 'm left with {$180.00} to pay gas, electric, cable/phone, credit cards, medical expenses ( I have a number of conditions XXXX ), bus fare, and food. I thought they are supposed to make this affordable. This will put me in ruin. I want to make the payments, but I ca n't and do n't have the money to pay this high amount. It 's impossible. I 'm the only one who is working in my home. My husband has not worked since XX/XX/XXXX due to an accident. I 'm it. I need assistance to get this lowered. I am not trying to get out of it. I just want it to be affordable and that it does not put me in a bigger whole. I still have credit cards even though I paid them off, I do n't make enough to pay the bills so I have had to use them again. This is putting an incredible amount of stress on me which affects my pain and my diabetic sugar levels. The first payment is due XXXX XXXX. I have rent to pay on the first and my personal loan on XX/XX/XXXX. How do they expect my family to survive. My servicer is FEDLOAN.ORG This is excessive. I do n't want to file for bankruptcy and wo n't. I do n't want to jeopardize the loans for my youngest son. I will pay but the repayment they are seeking is impossible. I tried looking for another job but they all want me to take a $ XXXX pay cut. I am an expert in my field but no one wants to pay what I am worth. Not even what I make now. My contact number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently reviewed my credit report in XX/XX/2020 and I found a collection account named AFNI. AFNI did not send me a notice of a debt. In fact, they do not even have my current mailing address. I have disputed this information with the credit bureaus. AFNI keeps closing and reopening this account on my credit report and re-aging it. AFNI is dishonest and less scrupulous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Texas Guaranteed
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
Hello- Upon reviewing my credit report attached, I see I 'm still being affected by accounts that have been fully paid over 7 years ago that are obsolete, outdated and too old to be on file. I have paid this accounts in FULL. 

The accounts I discovered that are obsolete, outdated and too old to be on file : TEXAS GUARANTEED STUDENT TEXAS GUAR STUDENT LOAN Please help me delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. I 'm trying to buy a house and this has completely messed up my finance options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent the credit bureaus and Profession Credit disputes because they are on my credit and I did not apply for credit with them ever and I don't know why they are there. They sent me a letter stating that I owed money for medical reasons, and they sent me my private medical information through the mail with no HIPPA release. I believe they have violated my rights according to the FCRA, HIPPA, and they have willfully intruded onto my credit. I'm baffled at how a company could do this! PLEASE HELP ME!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation