BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my personal credit reports and I noticed unauthorized inquiries had been made. I contacted the companies who conducted the inquiry to advise them that I did not authorize the inquiry and asked them to remove their credit inquiry from my credit profile but to no avail. Experian : XXXX XXXX Fl - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX XXXX, Fl XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX - XXXX, Ne XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX : XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Ia XXXX XXXX XXXX - XXXX/XXXX/XXXX - XXXX XXXX, Mn, 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 2017-03-22
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX was apparently not properly notified with a warranty deed and apparently not paid by XXXX company when I sold my house. I have received debt collection notices from Transworld Systems Inc ( XXXX PA XXXX ) alleging they were collecting debt for XXXX. However, my records clearly show the alleged debt was paid via drop box ( XXXX in XXXX CO ) and that check has been paid. XXXX is at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Hi, I wrote a certified letter to Navient telling them to no longer contact me, or anyone else associated with my student loans, by phone and that they needed to send all information to me by mail. They did that for a while but I recently fell a little behind on my loans and they started up the calls again from a very unknown number. They also called my father, who is a co-signer on XXXX loan. They called an spoke with him and, of coure, were very rude on the phone. He is a retired veteran and does n't need that kind of XXXX. Not only did I send a certified letter but I have reminded them on multiple occasions that they are not allowed to call him or myself that they need to send everything in writing. They harass their borrowers and that is why I do not want to speak over the phone. I was told by a Navient representative that that does n't apply to them, that they are allowed to call me. Is this correct? How are they able to harass my father and I whenever they want?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My private loan accounts were initially owned by XXXX XXXX. XXXX XXXX and I reached an agreement to continuously pay {$200.00} a month to remove me from default to current. When speaking to XXXX XXXX a year later regarding my Education Loan, they stated it was being transferred to Navient. They also stated my private loan would be moved over as well. 
I then continuously paid Navient every month, and when my agreed years of payment was reached ( XX/XX/XXXX ) they contacted me with a settlement offer of XXXX. I could not make that the large payment and asked if I could keep the same {$200.00} payment. The Navient representative agreed and I gave my banking information. Approximately, 5 months later I received a second call from Navient inquiring if I would settle the account by paying {$17000.00}. I could not make the second payment and the representative stated they would keep doing the ACH deduction of {$200.00}. When viewing my private loan online I saw my status was considered late payments. When I spoke with the representative she stated the only way the status would change was if I made a lump sum payment to bring it current. I could not make the {$5000.00} payment, so she suggested I make larger payments to have more go to interest. 
I recently acquired my credit report from all XXXX agency and saw that Navient had me as a Charge Off. When viewing my credit score it shows my account status as derogatory and not paying. When I inquired via telephone why was this on my credit the representative stated this was the way they state default. We both went back and forth about the way their reporting there information and that they never notified me it was a charge off. 
On XX/XX/XXXX, did credit dispute with XXXX credit Bureau ( XXXX and XXXX ) and sending documentation to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: COMPUTER SCIENCES CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I bought my a car with XXXX, but was looking at my credit report and found that they sold my loan to XXXX what is puzzling is that I just received a bill from a XXXX company CSC LOGIC INC for that car payment. So none of these XXXX companies found necessary to contact me. Is this normal? what if I had n't checked my credit report?

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 2023-09-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please review attached 1099C that was accepted by the IRS. Debt has been discharged & paid. PER IRS THIS IS TREATED AS INCOME, THEREFORE, IT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT. 
XXXX XXXX XXXX / Acct XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However Trans Union is still reporting it on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: MI
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681 : And they violated my rights numerous times. I demand the accounts listed below be removed because. According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.Accounts : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX bank

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Aqua Finance, Inc.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/2014 I purchased an Solar Air Cond. system. I have found out that the system installed is NOT an Solar Air Cond. system and that the outside condensing unit and inside air handler should have NEVER been connected to an Solar panel per the manufacture. 
I have placed criminal charges against the company's owner. The company XXXX that sold me the system arranged for financing thru Aqua Finance Inc. I have explained several times over the past several months that XXXX DID NOT install a Solar system they installed a plane old A/C and air handler system that is connected to a Solar panel that should have never been done. Now Aqua is coming after me for non payment and has placed past due notices on my credit record. I'm NOT going to pay for something that is a FRAUD. Please help me with getting ride of this debit that Ive tried my very best to let EVERYONE know that I didn't get what I paid for.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: General Motors Financial Company, Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
GM Financial has been reporting a late payment 30-59 days past due XX/XX/2016 since that time. I have contacted them over 20 times regarding this false late payment reporting. They have stated numerous times they have updated the credit bureaus however, to this day it is currently being reported on my credit report. I am in the process of buying a home and have asked them for a letter stating that I was not late XX/XX/2016 and have been told they ca n't provide a letter without proper authorization from their legal department. I have waited patiently and explained the situation and need for it to be rectified immediately. I have contacted them numerous times over the past two weeks without without compliance. I again contacted GM Financial today and was told by the representative that there was no one I could speak to and again to call back in 3-5 business days. I offered to send them a copy of the credit report as they are stating they did not report a late in XX/XX/2016 and the representative refused to provide info on where I could send the credit report showing the late reporting to. I would like a letter from GM Financial stating that I specifically was not late XX/XX/2016. To wait for credit reporting to be updated would not be beneficial as this late is the one thing holding myself and husband up from closing on a home loan. GM Financial have also reported to me that they have done this in the past however, the late is currently being reported as such. Thank you for your attention in this matter. You may reach me via email at XXXX and also via phone at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: NC
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 wrote to the credit bureaus on XXXX/XXXX/22, XXXX/XXXX/22, and XX/XX/22 about the collection accounts attached to this complaint. I requested the original contact, signed by me, for these accounts along with the signed document giving them permission to purchase these accounts. I have not received any documentation which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: LOBEL FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I PURCHASE A XXXX ON XX/XX/XXXX. FROM XXXX I WAS TOLD BUY THE SALES AGENT TO SUBMIT THE AUTO APPLICATION WITH MY HUSBAND XXXX. HE LET THE SALESMAN KNOW HIS FL LICENSE WERE SUSPENDED WHICH THE SALESMAN SAID IT DON'T GO AGAINST THE LOAN BEING APPROVED.FINISH ALL PAPER WORK LOAN WAS APPROVED AND JUST RECEIVED TAG FROM 3 MONTHS WAITING AND UNABLE TO CONTACT COMPANY BECAUSE THEY WERE KNOW LONGER AT THE SAME LOCATION.I VISIT MOTOR VEHICLE REGIONAL OFFICE IN XXXX FL ON XX/XX/XXXX THEY FOUND WHO REGISTER THE TAG AND WENT IN THAT DAY PAID XXXX FOR TAG AND FEES. I ASK THE AGENT PEPE WHY WASN'T I GIVEN A DECAL FOR XX/XX/XXXX HE STATED I NEEDED TO GO TO A TAG AGENT TO RENEW. THAT  DAY I VISITED A AGENCY IN XXXX FL WHEN I WAS TOLD SINCE MY HUSBAND LICENSE WASN'T ACTIVE I COULD NOT RENEW UNTIL HE TOOK ACTIONS ON HAVING IT REINSTATED. CONTACT LOBEL FINANCIAL TO ASK WHAT WOULD BE MY STEPS IN REMOVING MY HUSBAND INFORMATION OFF THE LOAN I WAS TOLD BY TWO MANAGERS AND FIVE AGENTS TO FIND ANOTHER COMPANY TO REFINANCE MY LOAN. SO NOW I AM STUCK WITH A VEHICLE THAT I PAY XXXX A MONTH PLUS XXXX INSURANCE. I NOTIFIED THE INSURANCE COMPANY THAT MY HUSBAND LICENSE WAS SUSPENDED AND THEY EXCLUDED HIM OFF THE POLICY. I REALLY NEED HELP ON SOLVING THIS PROBLEM BECAUSE I HAD A DOWN PAYMENT OF XXXX AND HAVE MADE 4 PAYMENTS OF XXXX AND CAN'T LOSE MY MONEY ON A VEHICLE I CAN'T DRIVE. LOBEL FINANCIAL CORP. XXXX.
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022 a credit card payment was charge to my XXXX XXXX XXXX account for my Capital One card. I was charged a return fee of XXXX. My issue is not just the fee. I have NEVER authorized Capital One to charge my savings account and Capital One DID receive their payment it was not returned. Their IVR even states the payment was received and no additional payment is due. 

I tried to call Capital one to rectify the situation as well as XXXX XXXX. XXXX XXXX gave me the trace number and told me it was coded as Savings. Capital One states it was checking. When I called Capital One I gave my Fiance permission to speak on my behalf and she asked to speak with a supervisor who was INCREDIBLY rude and inefficient. She actually hung up on us. I want the fee back and I want Capital One to credit my account for the bank charging the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
USAA WAS PAID FOR BALANCE DUE, ON MY XXXX XXXX XXXX. THE VEHICLE WAS INVOLVED IN A TOTAL LOSS COLLISION, XX/XX/2012. A CHECK TO USAA WAS ISSUED BY MY INSURANCE COMPANY, XXXX XXXX. THIS LOAN WAS NOT WRITTEN OFF!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
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:
I have been harassed by phone from a collection company for XXXX XXXX. This company is called Weltman, Weinberg & Reis co from XXXX XXXX Oh. Not only do they harass myself the Harrass my parents. We had no idea the loan was in default never contacted until XX/XX/2018. At which they demand full payment. I asked for options they advised undoable options. They also are suggesting to how I should pay the loan by taking on more debt with loans. The continue to call sometimes over 20 times a day. Not willing to work with me when I had no idea they were even buying my debt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Transunion had a computer glitch twice that erased all hard inquiries off of my credit report. A few days later those same inquiries that were deleted were reinserted without notifying me of the deletion or reinsertion. According to the FCRA, requires the credit reporting agency to notify you no later than five days after the date of reinsertion, and no notification was provided to me of reinsertion. I have contacted Transunion on several occasions on good faith about deleting hard inquiries from my credit file they have illegally reinserted with no satisfaction. I 've been told to file a police report or contact creditor for a letter of inquiry deletion.These inquiries add a hardship for me and my rights are being violated by Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Another problem with Capital One Credit Card Division. 
I ordered services from a company XXXX. 
This company deals with, XXXX, a credit card processing company. 
Capital One internal fraud division put this account and another of my account on lockdown for a very stupid reason. 

" My credit card is not used frequently for Capital One 's standard '' is the excuse the fraud department told me on XX/XX/XXXX at XXXX. 

I alternate my credit cards so I do not overspend or go above my limit. 
I am XXXX and ill and have limited income and use my credit card for usual expenditures and large expenditures when needed. 
Capital One makes money from from interest charges, yearly fees and a rare late payment ALSO makes money from certain insurance policies premiums. 
Capital One cancelled this transaction without notifing me and also XXXX ( who is awaiting payment approval ). 
This is the SECOND TIME Capital One Fraud Department did this to me. 
The other time was in XX/XX/XXXX and Capital One was totally ignorant and could not find their records on the conversation by telephone and e-mail'So Capital One refused that payment to an apparel company in XXXX. 
Capital One customer service agents, in the Fraud Department are extremely poorly trained because they can not use their computers to find supporting documents OR Capital One illegally deletes those supporting documents. 
I am afraid if I use my credit cards for a large purchase, the purchase will not go through and I will not received the item ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Had a XXXX conventional fixed mortgage through XXXX that originated in XX/XX/XXXX. That loan was sold to Rushmore Loan Management on XX/XX/XXXX That transaction was completed on XX/XX/XXXX ( Rushmore loan # XXXX ). 
My XXXX homeowners insurance was being paid through escrow for approximately 11yrs and the information was transferred to Rushmore ( policy # XXXX XXXX ). 
A pipe or connection burst in the condo and caused approximately $ XXXX in damages to the unit below me. While contacting XXXX to start a claim, they stated that the policy lapsed on XX/XX/XXXX and was never pain by Rushmore. Representatives from Rushmore have sent this to the " research dept. '' ( claim # XXXX ), but I have been told it may take XXXX days for them to make a decision. Can you help expedite this?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Credit Management , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX states I owe them {$4400.00} from an original creditor XXXX, XXXX. as account XXXX. I have asked this business on four ( 4 ) request by United States Postal Service Numbers,XXXX, XXXX, XXXX, XXXX, and some mailing not certified mail return receipt and I have not received a copy of the original contract with my signature with date signed, dated became default and some record of payments so I may understand it this is my debt, and as of XXXX XXXX, XXXX this has not been completed. I have offered to pay with-in reason an amount that my social security will support if in fact this is my debt. I have contacted Midland Funding LLC, XXXX XXXX XXXX, Assisting Secretary, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX with no response. This constant XXXX abuse I think may be of human rights and has caused my XXXX XXXX to increase to another stage and causing loss of productivity, and despair just to constant sending letters and answering questions. They continue to refuse to send me the documents I have requested and I have asked they stop contacting me and they still contact me. I asked them to take the request to court here in XXXX County, XXXX so resolve the issue. I am XXXX years of age and I must have this stopped and now I need assistance. I do not have any knowledge of this debt and I ca n't remember anything about this debt. I have researched XXXX credit reporting agencies for information and I can only find a Account Review Inquiries of XXXX on XXXX/XXXX/XXXX address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Telephone XXXX. I have asked this business to stop accessing my credit report without authorization. Midland Credit Management , Inc. has contacted my ex-wife of 30 years past with constant telephone calls in XXXX per letter from ex-wife. My age of XXXX and XXXX ( XXXX ) XXXX children and I am a single parent and I need assistance to stop Midland Credit Management , Inc .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-22
Company: Genuine Debt Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i was contacted by someome from genine debt solutions station in XXXX. i am all the way in XXXX and i have no businesss with these people. the phone # that called me is XXXX XXXX XXXX and i had been called XXXX after i told ther person on the line that i was not the person she was looking for

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i contacted walmart and the manager there said she would send me a letter stating that this account can be deleted from my credit bureau but now they are saying they can not do that even though they did send me a letter saying that the account can be deleted so XXXX credit agency contated them to dispute it and awalamrt is saying no it can not be deleted but i do have the letter from walmart stating that it can be deleted im furious i need this item to be deleted so i can get my apartment waith my kids

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
Company: DISCOVER BANK
State: IN
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 settled a Discover account for less then the full balance and was sent a XXXX. This company should no longer be on my credit report.

Company response to consumer: Closed with explanation