BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-10
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2021 I contacted Experian about a account that appears on my credit report. XXXX XXXX XXXX XXXX. I asked the representative when is this account due to come off my credit report he told me I asked can the account be removed using the early exclusion rule The representative put my on hold for a while and told me that the early exclusion was granted and the account would be removed. After logging in a few days later and seeing that the account was still there i called Experian back i spoke to a rep who could not help me so I spoke with a supervisor by the name of XXXX. He informed me regardless of what I was told the previous day that the account would not be removed. I explained to XXXX this account has been on my credit report illegally for almost 7 years and Experian is the only agency reporting this account. And that i was hoping that Experian would atleast stick to there word and remove this account using the early exclusion rule.

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 2020-06-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Navient has taken immediate negative action against me because I filed a borrowers defense loan forgiveness request : 1. Before I filed a borrowers defense loan forgiveness request ( case # XXXX ), I had a forbearance in effect with a payment start date of XX/XX/XXXXper letter dated XX/XX/XXXX. 
2. On XX/XX/XXXX, I filed a borrower 's defense loan forgiveness with Federal Student Aid : an office of the U.S. Department of Education 3. On XX/XX/XXXX, I received two letters from Navient dated the very same date of XX/XX/XXXX a. The first letter says, The U.S. Dept of Ed has notified us to process an administrative forbearance on your loans. 
b. The second letter said that there has been an adjustment of my forbearance and says, your forbearance period started XX/XX/XXXX and ends on XX/XX/XXXX. 

4. Again, before I filed a borrowers defense loan forgiveness request, I had a forbearance in effect with a payment start date of XXXXper letter dated XX/XX/XXXX. 

5. In sum and substance, after I filed a borrowers defense loan forgiveness request, Navient changed my loan repayment date to 4 months earlier than when it was scheduled to move from forbearance to repayment. To be clear, I had an existing forbearance before I filed for Borrowers Defense and that forbearance was scheduled to end with a XX/XX/XXXX repayment start date. 

6. In addition, late fees have also been applied to my account. 
7. Note that this is not the first time that Navient followed my loan forgiveness request with prompt negative actions. The first time I filed a loan forgiveness directly with Navient, two XXXX Police Department Squad cars came to my apartment to remove me based on a call that Navient placed to the police department ; at least six police officers came into my apartment geared up to forcefully remove me all because I made a loan forgiveness request based on XXXX and provided Navient with medical record ( To this day, I am traumatized by this event because a man in my area had a similar issuesomeone sent the police to his house to bring him to the XXXX  ward and the police ended up XXXX  the man ). When I contacted Navient about this matter, a representative by the name of XXXX XXXX who represented that he was with investigations threatened me with arrest and he called me a XXXX  XXXX. XXXX XXXX also stated that he was with investigations, and if I did not pay my loans, the police would return to arrest me. I have kept this experience privately and have been suffering inside because of it, but I hope that you can help me. 
8. For various legitimate reasons, I have requested documents from Navient so that I can verify and calculate the purported student loans but Navient has not provided the requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just find out that I have credit on my credit report that never ever have no business with those companies call XXXX  XXXX and also XXXX XXXX XXXX XXXX XXXX XXXX the service was start from XX/XX/XXXX to XX/XX/XXXX they account number for XXXX XXXXXXXX is Account number : XXXX Account : XXXX. 
Please please help remove this company in my credit report and also the account number for 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 2016-05-25
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
During our loan process, our mortgage loan officer did not fully disclose all of the information needed. For instance, as first time home buyers we were unaware that our interest rate would change if our closing occurred more than 60 days after we placed our offer. Even though we were in conversation with our loan officer before / between every step in the offer and negotiation process, this information was not disclosed to us until after we signed our contract. Also, as we came within a week of our closing date, we contacted our loan officer -- only to receive an automated response informing us he would be on vacation until days after our closing. After making contact with our loan officer 's supervisor, the mortgage sales manager, we were informed that pieces of information were missing and we would have to postpone our closing for another day. With that postponement, the mortgage sales manager sent us updated closing documents. On these documents, our monthly mortgage payment was listed as {$130.00} more than on the initial documents sent by the mortgage officer at least one month prior. This large difference was due to a calculation error by the mortgage officer. When this was brought to the attention of the mortgage sales manager, he refused to make any adjustments to the interest rate ( which was increased due to the non-disclosure of the impact our delayed closing would have on the rate ), fees, etc., despite conversations with the realtor and both buyers. This {$130.00} increase in monthly payments significantly impacts our budget. The carelessness of the mortgage officer and the mortgage sales manager 's review of our paperwork has caused unnecessary stress.

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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 paid a charge-off in XXXX and started to dispute it on XX/XX/XXXX to request it be deleted and I never got an answer from TransUnion. I have submitted disputes XXXX more times since, on XX/XX/XXXX and XX/XX/XXXX. Still, to this day, no response!

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 2022-07-21
Company: EQUIFAX, 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:
Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ( XXXX XXXX XXXX - {$2600.00} ) ( XXXX XXXX XXXX - {$1500.00} ) ( XXXX XXXX XXXX  - {$780.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Following accounts where Where deleted XXXXXXXX XXXX  accounts number XXXX & XXXX XXXX account Number XXXX & XXXX  Account number XXXX & XXXX XXXX Account number XXXX these accounts where previously deleted in XXXX XXXX then after 4 months I received a letter from XXXX stating the all previously deleted where back on my credit report .. XXXX also violated my rights under 15.U.S.C. 1681 section 604 A section 2 The Law clearly states a consumer reporting agency can not furnish an account without my written instructions. they also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( e ) : The cleary states the credit bureus have 5 days to notify me from when they receives my disputes. they also violated my rights under 15 U.S.C. 1681 section 611 ( 5 ) ( a ) ( l ) ( i ) the law cleary states if items are are found inaccurate or can not be verified the consumer reporting shell promptly delete the information from the file of the consumer.

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 2015-04-24
Company: SYNCHRONY FINANCIAL
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I told the creditor that I would get them money when I had money, and they have called up to XXXX times a day while I was trying to sleep. ( I work XXXX shift ) I am trying to figure out a way to take care of the debt, but I am not going to be treated like garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: U.S. BANCORP
State: RI
Product: Other financial service
Sub-product: Refund anticipation check
Issue: Unexpected/Other fees

Complaint:
I mailed a payment to the XXXX XXXX which presented to my checking account on XXXX/XXXX/15. XXXX/XXXX/15 I filed for bankruptcy this account was not included, because of this my insurance paid off the balance of my account causing an over payment. XXXX/XXXX/15 I requested to have the over payment returned, that request was not processed. XXXX/XXXX/15 second request for over payment started this was completed. XXXX/XXXX/15 I received my check and I deposited it on XXXX/XXXX/15 to my account. XXXX/XXXX/15 the check was returned unpaid as unauthorized. My checking account was then charged a {$20.00} fee for a {$25.00} check. I am not out {$45.00} instead of just {$25.00}. XXXX/XXXX/15 I contacted customer service to XXXX for a replacement of funds, they stated someone would contact me back and they would find out why the check returned. XXXX/XXXX/15 I have yet to receive a call back. I have contacted this customer service almost on a daily bases and either the call is dropped or they tell me a supervisor will call back in 24 business hours and yet I have not receive a call or my money. I have requested the telephone number to the corporate office and have been told there is no number. I checked on line found a number that is just a series of voice recording information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: IL
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 Following accounts where Where deleted XXXXXXXX XXXX accounts number XXXX & XXXX XXXX account Number XXXX & XXXX Account number XXXX & XXXX XXXX Account number XXXX these accounts where previously deleted in XXXX XXXX then after 4 months I received a letter from XXXX stating the all previously deleted where back on my credit report .. XXXX also violated my rights under 15.U.S.C. 1681 section 604 A section 2 The Law clearly states a consumer reporting agency can not furnish an account without my written instructions. they also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( e ) : The cleary states the credit bureus have 5 days to notify me from when they receives my disputes. they also violated my rights under 15 U.S.C. 1681 section 611 ( 5 ) ( a ) ( l ) ( i ) the law cleary states if items are are found inaccurate or can not be verified the consumer reporting shell promptly delete the information from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
When Capital One took over Walmart Credit Card they denied me on line access because I do not have either a US based phone number or the CCV code. This is precedicial because I live outside the US.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX is horrible, they sent me a letter saying I had 30 days from the date of letter in late XX/XX/2021 to verify my identity and send notarized copy of my social and ID and paycheck stub to verify my identity. I did so and was speaking with fraud department very unprofessional and uneducated about what they're talking about. Gave me the run around for a whole week. I was speaking to a rep yesterday whom said they would call me back. NEVER got a call back never got email. But today when I called they informed me that they closed my account for unknown reasons ... .This is a BIG WASTE OF TIME and messed up my business and suffered a loss and was in XXXX handling business and wasn't able to conduct business properly this is unacceptable. I just got off the phone with them and the rep lied and said I didn't summit docs I did. 
I responded back in a timely manner and no communication was given or reason of why account has been closed. 

Rep was clueless and didn't allow me to speak to a rep.

Rep also was rude and didn't help me AT ALL I lost money, but most importantly time and was stuck in XXXX thanks to XXXX. 

I sent email to XXXX XXXX XXXX as well still waiting on response.

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 2020-06-12
Company: Experian Information Solutions Inc.
State: AZ
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:
IVE BEEN A VICTIM OF IDENTITY THEFT

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 2020-06-12
Company: Monterey Financial Services LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX we were on vacations to XXXX XXXX, XXXX XXXX, we bought a Timeshare with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX we paid them a Downpayment of {$4000.00} and after that we started paying {$240.00} monthly. When we signed the contract they told as that we could use any week of the year with the exception of the week of Spring break, the week of XXXX XXXX XXXXXXXX and two weeks of XXXX Holidays, and they suggested make reservations with six months in advance. In XX/XX/XXXX I call them to make reservations in XXXX XXXX XXXX XXXX, they told me that they were full for the date that I was trying to get, which was at the end of XXXX, i call directly to the hotel in XXXX like a normal customer and they had rooms available that date, i tried using XXXX and there were rooms available too. I was pretty mad and call XXXX XXXX XXXX XXXX in XXXX XXXX and they told me again that they were full in XXXX for that date and they offer me to send me to XXXX XXXX, XXXX XXXX XXXX where they have Hotels too, i did not accepted his offer and I told them that I wanted to Cancel the Contract since they violated the Contract, I did not had what the offer to me. They transfer me with one of the Top Manager in XXXX XXXX XXXX XXXX XXXX XXXX, he told me that he will solve my problem, he asked to wait two weeks, I never received any answer. I call them again to let them know that I was going to stop paying my monthly payments and maintenance quotas, the threatened me with send me to Collection. I stopped doing any payment since i never received any single day of vacation and I paid them about {$8000.00}. 
Now I receive a letter from Monterey Collection SVCS trying to make pay {$11000.00} and they damaged my credit report for about 30 points down, this is ridiculous, I just want to have justice, there is no way that they could be stealing the people this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: SC
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 tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! this information is fraudulent and I want it investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: Ascension Point Recovery Services, LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Ascension Point called me from a XXXX - XXXX telling me they were looking for someone who was the executor of my dad 's estate. They would n't tell me what it was about until I said I was the executor. She would n't tell me what it was about and did n't know my name. I said, " how can you cold call my number about my dead dad 's estate and not know my XXXX name? '' she did n't have an answer and that 's when I XXXX it and saw the scam reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: HYUNDAI CAPITAL AMERICA
State: IN
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:
I purchased a car during the summer of 2019. I took a loan on the car from Hyundai Motor Finance and then paid my car off in full. Before doing so, I ensured they had updated my information in their system to my new address. They decided to send the new title to the old address anyways and I never received it. 

Since then, I have asked for a duplicate title and/or a lien of release. I have called and made this request multiple times over the past 6 months, they always claim to send it out, and it never arrives. My car registration recently expired, and now I ca n't drive it since I can't register it without my title. This means I am experiencing actual damages from the company 's inability to fulfill its final step of the contract. 

I filed a previous CFPB complaint on this matter, but it was closed after their response. They promised to send it via courier ( for a signature ) ASAP, but it still hasn't arrived, nearly a month later. Hyundai Motor Finance is not fulfilling their contract and I desperately need 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 2017-03-31
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The credit bureau are reporting a bankruptcy on my report but the court does not verify that information. Therefore that information was pulled out from a third party reporting agency, thefore it must be deleted completely from my credit report. I would like to be notify via email once it 's been deleted. My email address is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have tried several times to modify my home loan with my mortgage servicer, Residential Credit Solutions. Much to my dismay, but not surprise, they have denied me. In my first attempt years ago I fully understood why ; their calculations, ability to find and / or put me into the right modification program. However on this recent last round my income increased making it possible to receive a modification and yet I was still denied. Upon my internet research I discovered that they have been fined through CFPB, and others have stated that this mortgage servicer uses bad practices and never gives modifications. I also discovered that they are a type of home loan warehouse. This is meaning they collect loans ( homes ) and try to possess them in order to sell them off for their profitable benefit. For them extending a modification to struggling homeowners is not in their interest. They take months upon months to complete the process. I was originally told they would take anywhere from 45-60 days. It took 6 months ... and I used a housing counselor. 

Is there anyone controlling and checking their behavior and / or true ability to help homeowners receive an affordable payment? Knowing they they have a huge history in dissatisfied customers and complaints what can be done? 

If anyone else has similar experiences with Residential Credit Solutions ( RCS ) please write in and share your story, but most of all file a complaint. They are run by execs who have in their previous employment been fined, brought up on charges, and convicted of bad practices. This is an awful company!

Company response to consumer: Closed with explanation