BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I dispute XXXX XXXX XXXX is from a XXXX account that was paid in full. I cancelled this policy and went with XXXX XXXX I do not owe XXXX any money

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 2019-12-20
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company is charging a customary fee in amounts over {$400.00} every two weeks. There is no way I will ever be able to pay this loan off when I am only paying for this customary fee. Its is so much money. I was not made aware that I would be charged this fee. I thought that I would only pay an interest fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm having problems getting the credit bureaus to update my current address and removing old, outdated addresses reporting on my credit file.

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 2017-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open up a business account and I was approved and then they were asking for other information that wasnt pertaining to the type of business that i have. I have a consulting business that consists of services for consumers to learn how to clean their credit for free and how to find their ancestors. They company repeatedly kept asking me for a description of the business and i would send it over and over. Then they sent a statement stating that i had requested business credit and I have never requested business credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2016-03-14
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a XXXX and have had a mortgage with Wells Fargo since XX/XX/XXXX. I spent most of XX/XX/XXXX and XX/XX/XXXX XXXX. I have also XXXX since XX/XX/XXXX but to keep it easy lets just focus on XX/XX/XXXX and XX/XX/XXXX. A few months ago I found out about the Servicemember Civil Relief Act ( SCRA ). When I spoke to Wells Fargo they said that since I was in the XXXX before I received a mortgage so SCRA does not apply to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I keep receiving phone calls about an installment/payday loan which is from CNG Financial in XXXX. The first person I spoke with would not release the law firms office who advised me, which her name was XXXX XXXX that I need a defense attorney because they are filing criminal charges against me. I received another call today XXXX/XXXX/XXXX and spoke with an XXXX who stated they would be suing me for not paying my payday loan that I took out online. I tried explaining I was going through bankruptcy and my filing is going to be ready for the last week of XXXX XXXX as I have retained a bankruptcy attorney. They refused to take the information and advised they will consider criminal actions for not paying this loan back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have submitted XXXX different applications for modifications XXXX with XXXX with no response 1st application was XXXX/XXXX/XXXX. The second application was submitted in XXXX XXXX but was closed due to insufficent documentation. We were never notified from servicer that they were requesting addidtional documentation. Last submission was XXXX XXXX XXXX, as of today 's date there has been no response from servicer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Last year ( 2015 ) phone calls were constantly terminated to my work phone from XXXX XXXX calling from the XXXX XXXX. I contacted the FTC, filed a report on the DO NOT CALL REGISTRY and shortly after the calls stopped. The caller, XXXX XXXX gives no other information and calls from blocked/unavailable phone numbers. Not sure why there is a reason to block the number the call originates from. It 's quite unprofessional and does not lend credence for me to respond to the call. In addition, these same annoying calls have started terminating to my personal cell phone as well. 
I am requesting these calls to stop as NO authorization was ever given by me for the calls to commence in the first place.

Company response to consumer: Closed
Consumer complaint received 2020-08-05
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I paid my American Express corporate card bill thinking it was necessary. Then, the company I worked for paid the same bill. Therefore, I have a balance of {$55.00}. The American Express card has since been cancelled but the balance is still there and tied to my name. 

I am unable to receive a refund and American Express customer service keeps referring me to a non-existent person  email address. 

I have already filed a complaint with the XXXX XXXX XXXX and my bank. 

I believe that American Express is engaging in fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: PA
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 Account # XXXX XXXX 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 2020-06-16
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:
My Lawyer, XXXX XXXX filed a Chapter XXXX that was to include a reaffirmation for the property I currently in and have been making payments for the last two years and not having the benefit of those payments being reflected my credit report. 

The XXXX XXXX not provided any reason or documentation as to why they have taken such action. I have called them numerous times and told that they are reporting. I have sent documentation to all three credit agencies and the reports are incomplete or never change despite the proof of my clearly being responsible to my obligations. 

The XXXX XXXX is a bad and unsavory actor.

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 2016-04-18
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had to order and cancel XXXX high-speed internet within a 2-week period because they could not provide me with working internet ( Account # : XXXX ). I cancelled properly, and obtained confirmation # : XXXX. I also completed their online 3-Day Guarantee Form on XXXX/XXXX/XXXX. XXXX XXXX refuses to properly close the account. After I reported this to the Arizona Attorney General 's Office in XXXX of XXXX, XXXX acknowledged the error, and assured us that they have corrected the account. I went a year without receiving any bill, call, or notice of any kind. I believed the account to have been resolved. Unfortunately, I recently received a collections notice on XXXX/XXXX/XXXX for an unpaid balance from XXXX collector, Central Credit Services, LLC ( Central Credit # : XXXX ). I should not have any balance whatsoever. I need to have XXXX XXXX resolve this account error that occurred on their behalf.

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 2021-04-27
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX the missed payments was not corrected on the 4 credit reporting agencies still shows XX/XX/2021 missed payments..please correct asap.. 

Documents enclosed by XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have collection for ability recover services and i have no knowledge of this account and they wont help me take it off they are very unprofessional they called me kiddo i just want this taken off

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 2019-02-22
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
This loan is with XXXX XXXX I paid them on XX/XX/XXXX in full they gave me a receipt saying XXXX balance. They did not report to the credit bureau 's that the balance is paid in full I called XXXX XXXX twice to fix this the first time they told me to wait until the end of XX/XX/XXXX and it will update XX/XX/XXXX I call XXXX to report the incorrect information and the report came back that the information was correct and I sent the receipt from XXXX XXXX they still would not correct it. Here it is now XX/XX/XXXX and it is still showing balance XXXX and high balance XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Case was dismissed in court. I, the plaintiff, filed against defendant, XXXX. After case was dismissed, ( attached ), XXXX retaliated by submitted a fake and false bill to wards me of {$6700.00}. There was/is no merit or validity to these made up charges and fees. XXXX had the chance in court to address any other issues and did not. In XX/XX/2018 I submitted home inspection which shows house was in complete disarray with damages. XXXX never addressed and in XX/XX/2018 then submitted a bill saying I did damages, even though documented 3 months previously it was their fault, attached. 
They then proceeded to falsify trumped up fees, which in no way did I owe in any manner, and submitted a fabricated bill to me and demanded I pay. XXXX then handed over my " bill '' toTCS THUNDERBIRD COLLECTION in XX/XX/2018. I have disputed in the past. I now wish to submit court files and dismissal and other documents to support my claims this bill is fabricated. I have more court documents, but file limit is exceeded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Remex INC sent me collection letters for a debt that was not mine. I requested further information regarding the debt including the following : 1. A full invoice 2. A signed agreement to pay the debt issued by original parties 3. State of NJ Bond which allows them to collect debt in the state of NJ.

Unfortunately the company could not provide # 2 and # 3 of the requested information. Because I was being difficult they just sent my incomplete information off to credit agencies. I disputed with one agency which immediately scrubbed the collection attempts from my report due to them not having complete personal information submitted. Remex INC. does not have my social security number which led them to believe this is a fraudulent collection attempt. 

XXXX still has the collection attempt on my report despite them not receiving my social security from Remex, their fraud department told me they do not have my social. 

The amount is for {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A report on Transunion shows that I owe money to XXXX XXXX. I have never had a vehicle towed so this is not my bill. I tried to file a complaint on Transunion but their complaint website was n't working. There is a collection agency trying to collect : XXXX XXXX XXXX for {$3000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Nissan Motor acceptance has repeatedly harassed me with regard to my auto lease. On XX/XX/2019, after I had previously received two unanswered calls they called back on my cell number XXXX and asked them to stop calling me. Nissan Motor acceptance then called right back on XX/XX/19 at approximately XXXX. I explained to XXXX that I requested no calls on XX/XX/19. She stated that they needed to verify it was me, I explained that I didn't believe that is true and that they are in violation. I explained that my cell number is a verifiable number and anyone stating not to call the calls should cease. I explained my reasoning for calls due to the number of calls and Nissan not following the law. XXXX says they would not contact me by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I called Nelnet because I 've been paying on the loan for 3 years it seems like the payment is n't going down at all so I asked how do I fix it. I spoke to someone they told me to pay more on the account and I am but I still do not see much progress. I dispute it ( XXXX XXXX ) because I do not think the information is correct and now I put my account in an deferment status. I 've also asked if they had a program if it was paid in full will there be some discount I was told no settlements are allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have 70 unauthorized hard inquires on my credit report. I contacted XXXX filed a ftc report and they refuse to remove the unauthorize inquires. This is my second CFPB complaint. I called 80 lenders like they asked. Please removed these inquries

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 2022-07-22
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have 70 unauthorized hard inquires on my credit report. I contacted XXXX filed a ftc report and they refuse to remove the unauthorize inquires. This is my second CFPB complaint. I called 80 lenders like they asked. Please removed these inquries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX, I filed for relief under a CH XXXX specifically because my fiance and I had purchased a XXXX XXXX  in my name. The payments were extremely high and when we decided to part ways the vehicle remained with me ... as did the payment. I retired in XXXX and live on a fixed income, however at no time was I ever late with any payments for the vehicle as well as my mortgage and any open credit cards. I had first tried to refinance the vehicle to lower the payments, but the credit union said I would need to pay an additional sum of $ 6K- $ 8K just to bring the amount down. I tried to return the vehicle to the dealership, but of course they would not take it. Long story short I decided my only option would be to file for CH XXXX. I also had cancelled the GAP insurance on the vehicle as well as additional service warranties I had taken out on it. Those funds, in excess of {$3500.00}, went directly on account for the vehicle and the credit union kept then even after the CH XXXX had been filed, which is illegal according to BK rules. This is not my actual complaint though. My issue is that all of the credit card companies as well as the credit union continue to report that I was delinquent. This was NEVER the case. On my credit reports they tend to continue to not only show as " potential risk '' they show as having been delinquent. I have disputed all previously both individually with the companies as well as Experian, XXXX  and XXXX, however they still remain listed separately and showing as a risk and most as having been late. I want to try to buy a small home this year and it is a definite deterrent. When creditors look at my credit history they see all these creditors listed as risks and they were included in my Bankruptcy ... never late, but required to be included by law although I would have reinstated them and kept them open if I had been given the chance. In addition, there is one account that was closed after the fact that I thought had been included and it is old ( XXXX XXXX ), and yet now it is being reported as if it is a new account and in collections by XXXX XXXX. Once an account is closed they should not be allowed to continuously be sold to potential collectors then have them show as if it is a current account with dates and a new collection. In addition on personal info at one point it shows my last name as " XXXX. '' I've tried to correct this as I have never used this name. It was evidently transposed at one point as my last name is " XXXX. '' Please 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 non-monetary relief