BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-30
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I filed a dispute with all XXXX of the credit bureaus about inquiries that were on my report from multiple car lenders. The problem is I never tried to get a car. I have been disputing this for months even to the point of the bureaus telling me to contact the companies and ask for a delete letter. However that is impossible because I do not have an account with them nor do they show that I applied for a car or a loan.They said that there was no way they can offer me a letter of such statue. After contacting the companies I called each bureau yet again to dispute, even by sending letters. I also had a fraud alert on my credit file a few months back because of these unauthorized inquiries. XXXX said they are investigating the other two would not do anything. Also when I dispute with XXXX it has been over 30 days with disputes not verified but still remaining.They say that it is taking additional timing to complete. Also with each bureau some of the disputes come back within hours saying verified. Especially XXXX bankruptcies that I never finished going through the court system for. I provided paperwork to transunion showing the case was dismissed and I owe nothing, zero balance. They deny your requests by saying verified, but when you ask by who, they can not explain. Then when you try to check dispute status it says can not view, or still pending. I also asked an XXXX Rep to update my current mailing addresses and delete all old ones. He told me that I could not do that since they were apart of my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have a card with Discover. A charge was declined today ( XXXX ), so I called them. Discover customer service told me my account was restricted until they verify some information on my account. They emailed me an authorization form ( IRS 4506-C ) that would allow them to request my tax return from the IRS. They told me my account would be closed if I don't do this within six weeks, and that there is no alternative process. 

They said they would use this process to verify my name, social security number, home address, and birth date. I believe they can verify name and SSN this way. Their attempt to verify my home address will fail because Discover has my current address while the IRS has my previous address where I lived when I filed my taxes, which I don't think is an unusual state of affairs or unreasonable. I don't believe they can verify my birth date this way at all. 

Aside from that, I am much more concerned with the privacy implications here. By demanding direct and uncensored access to my tax return, they are going to receive far more information than they need. They will see my spouse 's name and SSN, our incomes, how many children we have ( or claimed, at least ) and how much we spend on their education, our bank account numbers from the direct deposit form, our other credits and deductions, and much more personal and private information than I can enumerate here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I lost my wallet and my identity was stolen. My information was used for fraudulent inquires. They are all listed below. I would like these fraudulent inquires taken off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Capital One credit card opened. Bank received call in XXXX from someone complaining and asking why the account was closed. This has been destroying my credit and life with it being past the limit with no payments. A vehicle of mine was stolen in XXXX so I only see that as to how this happened. I have no idea which information they used to open the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I HAVE INQUIRIES ON MY REPORT THAT I DID NOT AUTHORIZED. I HAVE ATTACHED ONE EMAIL AND 1 TEXT TREAD PROVING I DID NOT AUTHORIZED ALL THESE COMPANIES TO RECEIVE MY CREDIT REPROT. TOLD ONE COMPANY ON USE XXXX XXXX. DID N'T EVEN AUTHORIZE OTHER COMPANY TO PULL REPORT AT ALL. 

Creditor Name Inquiry Date Removed By* Type XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Rocket Mortgage, LLC
State: AL
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:
On XX/XX/XXXX around XXXX XXXX  CST, I spoke with XXXX XXXX ( XXXX, XXXX XXXX ) from Quicken Loans, as I was inquiring about the rates for a possible refi of my mortgage loan. XXXX provided the many options and explained how the refi processed worked. I told her that I purchased my home in XXXX and was interested in possibly lowering my monthly payment and the 4 % interest rate. I was not provided any information about the current rates. When XXXX said that she could pull my credit to get started, I told her that I wanted to talk to my husband first before doing that. I declined the credit inquiry. XXXX said that the hard inquiry would only have a minimal impact on my credit. XXXX insisted twice after the initial no that I get my credit pulled to see what I qualify for to save a return call. I declined again. XXXX texted me her phone number and faxed number and explained to leave a message if she did not answer, and she would return the call. Later the same day, I received an alert from XXXX stating a mortgage inquiry was processed against my credit. I texted XXXX about the inquiry. While waiting on her texted, I started the process of filing a complaint with the XXXX. XXXX later texted and said she thought I said okay to the authorization. I explained to XXXX that I never gave her authorization as I told her NO three times. XXXX stood by the untruth until I told her that Quicken could remove the inquiry and that I had planned to file a complaint with the XXXX, CFPB, & FED. At that time, XXXX apologized for the confusion and said she would do what she could to rectify the situation. However, I moved forward with the complaint as she has already demonstrated her dishonesty. Please have Quicken to update the bureaus and remove this unauthorized hard inquiry from my credit immediately. I was reluctant to move forward because I just recently opened two credit cards and wanted to discuss with my husband if it was even worth it to do a refi. Ive heard nothing but great things about Quicken Loans, but the unfair and deceptive tactics that XXXX used today goes against all the good Ive heard. The last four of my social is XXXX. My date of birth is XX/XX/XXXX. Date of occurrence is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed XXXX collections on my account multiple times and requested how this debt was verified and who they had spoken with etc. The only response I got from the credit bureau was that it had been investigated and found to be accurate with no description of how it was verified despite my repeated requests. For XXXX account, I even had emails from the company stating that it was to be removed, however, the credit bureau continued to refuse to remove stating that it was not sufficient proof that it should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: IN
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:
I contacted experian and told them how I do not recognize an inquiry from XXXX XXXX  on my credit report. There is no account tied to it either, which should prove that it wasn't me. I contacted the parties to get it removed with no luck. 

Customer support at Experian was no help. Please remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent validations letter about this debt to the company itself asking more information regarding the debt and no validation letter has come back at all. Since no validation letter came back I dispute it with the credit bureaus yet the credit bureaus are stating that the debt is valid. I sent back to the credit bureau a message asking how was their determination hat the debt was mine made and nothing came back validated either since neither the company nor credit bureaus can validate this debt I would like this debt to be remove from my credit bureaus and that my credit report be updated without it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Hello, CFPB. I am writing because I am looking for the best way to solve this issue. TransUnion is reporting incorrect information, and this is hugely affecting me. I need them to investigate the following items : 1. XXXX  XXXX XXXX XXXX. Opened date XX/XX/XXXX. 
Balance {$1600.00}. Limit {$1300.00}. 2. XXXX XXXX XXXX. Opened XX/XX/XXXX. Limit {$2200.00}. Closed. 
3. XXXX XXXX XXXX XXXX. Opened XX/XX/XXXX. 
Original balance {$26000.00}. Closed. 

I sent this company a letter on XX/XX/XXXX. They did not even investigate the account.This is a violation to the FCRA. They are being unfair and negligent. Please send the attache letter to TransUnion. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Credit Bureau Services Inc.
State: NE
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:
INVESTIGATION RESULTS - VERIFIED AS ACCURATE The disputed item was verified as accurate. 
CREDIT BUREAU SERVICES # : XXXX XXXX  XXXX XXXX , XXXX XXXX ( XXXX ) XXXX We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 
Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} DateUpdated : XX/XX/XXXX Last Payment Made : : XX/XX/XXXX Original Amount : {$5300.00} Original Creditor : XXXX XXXX XXXX DBA XXXX ( XXXX XXXX ) Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks : >PAID COLLECTION< I had made {$100.00} payments per month and more when available. on XX/XX/XXXX I made the finale payment of {$880.00} with confirmation # XXXX. the whole time I was making the payment I was under the assumption from Credit Bureau Services that this would be marked for deletion off of my credit report once paid in full. on the day that I had made the finale payment I had called to make sure that that was still the case. I was then informed that once it hits my credit report as paid in full that I would then need to file a dispute with XXXX XXXX to have it deleted off of my credit report. I filed this dispute on XX/XX/XXXX and got the above report back today XX/XX/XXXX. I then called XXXX XXXX and asked why it was not deleted as I was informed from Credit Bureau Services that was the way to do so. XXXX XXXX informed me that they do not do the deletion and that Credit Bureau has to do the deletion. I then called Credit Bureau and they said they don't do the deletion on accounts as they only report paid and not paid to XXXX XXXX. This is very frustrating for me since neither one seems to know what is going on or how to handle this and I was lied to through this whole process of paying the amount back and am trying to rebuild my credit score from this and start a family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Navient Solutions, LLC.
State: GA
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:
Navient instructed us to place student loans in forbearance when my wife lost her job, knowing they would still be able to charge us interest on all the loans which amount to over $ 100K. They never informed us of other options, only instructed us that was the only option. 

They allowed this practice to take place of over a year, which only increased the amount that we now owe. This took place throughout XX/XX/XXXX and XX/XX/XXXX. When we were no longer able to place the loans on forbearance we were then instructed on income driver repayment plans which is convenient for Navient seeing as they charged interest on $ 100k+ for over a year at an average rate of 8 % -10 %. 

Fast forward to now, my wife is still out of a job due to childcare needs and we are in a income driven repayment plan that I more then we can handle, which was explained over the phone to Navient but they did n't care. Navient refused to take into account other student loans, medical bills and at the time a mortgage. We have since sold out house and moved in with family, a family of XXXX living in the basement of their parents. This could have been avoided if Navient were flexible and straightforward with our options. 

Navient is all over the news for this practice, we to have fallen victim to their practices of forced forbearance. Our credit scores have been affected as well because the ever changing practice of how the accept payments. After setting up a repayment plan Navient conveniently set up the payment date to take place AFTER the loans were due, proceeded to then charge late fees and report the late payments the credit agencies. 

I write this now as our repayment plan will need to be reevaluated this month with Navient, a process that I know will take weeks of constant phone calls only to find out that they do n't care about how we live our life, only how much money they can steal from us. 

I would like to be added to the open Navient law suits, my family is a prime example of the scams Navient has burdened its customers with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Aspen Yo LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage company escrows taxes to be paid. 
We have faxed and send the bill to them as per there instructions as soon as we receive it And they have not been paid. We have received a notification from the county that our house may go up for sheriffs sale. The tax bill was faxed to them on XX/XX/XXXX. The tax bill was mailed to them on XX/XX/XXXX. The sheriffs notice was received on XX/XX/XXXX. I called them and cant reach anyone to help us to find out why the bill is not being paid. My statement shows that the money for the taxes is in escrow. The same incident happened last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Innovis
State: OH
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 have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. 
My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX XX/XX/XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account # XXXX 30 days late on XX/XX/XXXX, and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Paid my car of back in XXXX and still did not receive the Title. This is a car purchased from Hyundai ( hyundai motor finance ) I have called over 20 times and always told that we are dealing with the issue at this point i dont know what to do anylonger as the registration has expired and the car is seating at the garage.

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 2022-08-26
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is a negative report and marks on my credit report that has caused damage to my reputation and economic strife.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
I recently pulled my credit report from XXXX and XXXX and to my amazement, saw that CAPITAL ONE recently has decided to report me 30 days late on this account in XX/XX/2018. I immediately disputed this information with XXXX  and XXXX  and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) Because I take my credit very seriously, I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on my report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). 

Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I make my student loan payments every month with no problems. I'm grossly misinformed as to what Nelnet is doing with my student loans. One day Im told I qualify for a payment thats manageable and then the next Im told Im on a payment plan that the payments go up after a certain amount of time because Nelnet thinks Im making more money each year. So I file paperwork that shows the XXXX XXXX XXXX I work for still pays me the same if not less than what I made 4 years ago. So Nelnet decides to not only go ahead and increase my payments and also not tell me about the increase. Then they harass me with emails and phone calls telling me Im past due and refuse to fix it and bring my student loans up to date. They are threatening my credit, they are threatening my stellar repayment record. Nelnet needs to get their head out their XXXX.

Company response to consumer: Closed with explanation