BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
In XXXX I purchased a XXXX from XXXX in XXXX XXXX California. I provided them with my ssn and gave them permission to pull my credit ONLY ONCE my score was XXXX so there was no reason for them to continue to " shop my loan '' XXXX Pulled my credit for their own financing and they allowed XXXX other vendors to pull my credit they are all on the same day so its easy to know the purpose. I have repeatedly requested to have all inquires deleted except the initial pull and as of today they are still on my Experian Report and EXPERIAN has not removed them despite my requests. 
In XXXX i only authorized XXXX pulls of my credit, XXXX ( pulled twice for same apartment application ) XXXX time for my apartment and the utliities despite my ongoing efforts Experian has failed to clean up the UNAuthorized inquiries from XXXX and now again in XXXX as a result my credit score has lowered despite my perfect credit history.

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 2016-11-11
Company: EdFinancial Services
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been paying my loan for almost 20 years and still paying basically interest only. My accrued capitalized interest has risen to {$30000.00}, resulting in me paying 75 % of interest on every $ XXXX monthly payment. At this rate I will never pay this off. I still owe ( from 1996 ) {$90000.00} and only borrowed {$58000.00}. My rate is higher than anything else I own at 6.25 %. I have an XXXX credit score, so have nothing over 3 % and ca n't refinance or pay my loan off. My main question is how can I eliminate the capitalized interest charged and reduce my rate? This fact is not allowing me to make principle payments to reduce my debt. I had a hardship after my divorce for two years, but I still should n't have to suffer. Please advise this ca n't be legal and there has to be limits to term and interest counted for. 

I stress - I just want to pay what I borrowed so I can get my life back. Right now XXXX % of what I pay is going to interest. I ca n't even deduct the interest on my taxes. Please help me find a solution! 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: EdFinancial Services
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My husband has student loans he obtained with the help of an aunt. We are currently getting divorced. They have my cell phone number and refuse to stop calling me. I spoke with them on the phone repeatedly and told them to stop calling my phone number. I asked them to update it to his number, which they already had. They refused to remove my number from their database. I told them in no uncertain terms, I did not want to be contacted again via phone about this matter. It 's not my debt, the person they are looking for is not at my number, and I do not want the calls. They point-blank refused to remove the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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:
Im looking to purchase a home and the inaccurate records on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There are unverified accounts that remain on my report. I have tried multiple times to get these accounts removed ; the credit agency has not provided a method of verification yet they continue to report negative items that impact my ability to be approved for other lines of credit.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent copyright infringement notice and it was received on XXXX. I gave the company 10 business days to comply with my notice. I received notice that I put in a dispute but I put in a demand to comply with notice. The credit reporting agency doesnt have my written consent nor have a permissible purpose according to : 15 USC 1681 Section 602, 15 USC 1681 Section a section 2 and 15 USC 1666b

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 2017-05-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent the collection agency a complaint letter  XXXX    XXXX ,2017  is the day the credit reporting agency received the letter to investigate a collection account on my credit report named  XXXX   XXXX   XXXX   XXXX  that is wrongfully being reported. It has been more than 30 days and I still have n't received a copy of the results. The file I submitted is a tracking for the letters sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: JPMORGAN CHASE & CO.
State: GA
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 purchased a vehicle in XX/XX/2021 using Chase Auto Finance. The car was totaled on XX/XX/2021 4 days after purchase. The original loan amount was for XXXX and my insurance company paid out XXXX of it on XX/XX/2021. The first payment was not due until XX/XX/2021. However, my vehicle service contract cancelation refund covered the remaining XXXX balance. This payment was sent and dated on XX/XX/2021. But, the company Chase backdated the payment to XX/XX/2021. According to this information the payment is not 30 days late. But, somehow I still have a late payment on my credit report. Chase is refusing to update my credit report and fix their mistake. I have called numerous times and I just get stuck in an endless loop of being routed to different departments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
i have seen my credit score went down, then i went to XXXX XXXX app, there i saw my credit score went down about 10 points, then i saw an account is open under my name, and without my permission the company name capital one added account under my name, i have never ever given my social security number, anywhere to request for an account, and i called the company capital one right away, and requested the account to be close immediately, because it was there mistake, now i would like to increase my credit score which went down 10 points. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Linebarger Goggan Blair & Sampson LLP
State: VA
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 received a toll violation around XXXX of 2016. The company linebarger law firm was representing XXXX to collect a debt. Upon further research I found that the violations were made when these vehicles were not in my possession as they were sold before the date of the violations. I have been sending letters back and forth with this organization for 10 months and even had to get my lawyer involved. I have proven that this is not my debt but I continue to receive harassing letters from this company. At this point I have done everything I can. I can supply all correspondence and documentation between me and the agency over the past 10 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: Commercial Trade, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Just received notification from XXXX subscription that a new collections was added to my report. Puzzled, I log on to see what was going on. XXXX collections were reported to the credit agencies, however, not one time did Commercial Trade Bureau contact me via phone -or- mail. How can I pay debts that I know nothing about when the collections agency is n't properly notifying me?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: DELMAR FINANCIAL COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Hello, My husband and I recently sold our house and as part of the negotiation process reached an agreement that we would pay closing costs not to exceed {$4600.00}. We noticed on the closing disclosure that we could get more information or make a complaint on www.consumerfinance.gov/mortgage-closing. Overall, we feel closing costs of {$4600.00} were too high for the transaction. We received two offers at the same time ( one with closing costs not to exceed {$2000.00} and one with closing costs not to exceed {$4600.00} ), but there were other variables that contributed to us accepting the latter offer. Please note that prior to these offers, we had two other offers with closing costs ( both {$3000.00} ) - the first rejected our counteroffer and the second fell through after the inspection process because of buyer financing. Throughout the selling process, we were told closing costs should run about {$3000.00} and even after accepting this offer, we knew that costs should be less than the amount negotiated ( seldom is it ever going to be the exact amount ). Considering discussions with relators that have conducted several recent transactions, XXXX and our own recent house buying and selling experience, these closing costs do not appear to be competitive and feels like we paid for something else. To further cause concern, the buyers of our house changed lenders after entering into the contract and surprisingly the amount of closing costs did not change. Possibly, the closing costs are legitimate, but we still wanted to follow-up with someone because the fees seem exorbitant, amount was exactly what was negotiated, and very odd that the fee amount did n't change with lenders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am receiving harassing and threatening telephone calls and death threats from representatives from American Accounts Advisors , Inc., in regards to the XXXX accounts that do n't belong to me and is the result of identity theft. The dates the accounts was opened is XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15.

Company response to consumer: Closed
Consumer complaint received 2021-07-27
Company: Remitly, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent XXXX dollars to XXXX through Remitly on XX/XX/2021 ( Reference number XXXX ). The money was supposed to arrive on XX/XX/XXXX. I have been told that the money has arrived, but it is not in the recipient account. When I contacted Remitly, they insisted that the transfer has arrived and asked me for a statement of the receiver 's bank account, which I don't have legal right to access because it is the receiver 's confidential information. In spite of that, I obtained it and send it to them. The statement was generated on XX/XX/2021. Remitly claims that they have a statement from the bank in XXXX ( XXXX XXXX ) stating that the money has been deposited in the receiver 's account, but they wouldn't show it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Experian refuses to deal with these issues of fraud

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 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A person or someone within an organization, the court or government entity may have breached my rights to privacy, and committed a fraud by utilizing my confidential identifying information in connection with or obtained through a consumer credit transaction without my express authorization. My private information is now being furnished/shared publicly, to my detriment, by unauthorized third party ( s ) and reported to several consumer reporting agencies, in violation of state and federal privacy laws and my consumers right to privacy under the Fair Credit Reporting Act.

The accounts are evidenced in my credit file and impairing my ability to engage in commerce. As a direct result of my privacy being breached US Bankruptcy court and/or XXXX XXXX appears to be reporting an unauthorized, inaccurate, irrelevant account and other information within my file. I have filed an identity theft report number XXXX with the Federal Trade Commission to have all unauthorized items removed from 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 2022-04-13
Company: National Credit Systems,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: Information belongs to someone else

Complaint:
By 18 U.S.C Code 1028 ( knowingly transfers an identification document, authentication feature, or false identification document knowing that such document or feature was stolen or produced without lawful authority ). I have been trying to take these collections out of my credit report for a year cause of an identity of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company represents XXXX XXXX. I paid XXXX XXXX directly the {$110.00} they said was owed. I never received any correspondence from Caine and Wiener. I noticed their information when I was denied my HOME loan based off of their entry to my credit profile.Someone please help. I have made a complaint and a formal dispute with Caine & Weiner, XXXX, and Attorney General of California, Georgia, and Texas. My end resolution is to get this entry deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: GA
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:
To : Consumer Financial Protection Bureau, XXXX is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: North State Acceptance, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hello. i bought in 2013 a dodge gran caravan in XXXX NC, where i was living .and at this time according the contract say and the history payment the got all money of the total of interest they show me when i signed.they say now something difficult that i can not understand, i would not sign such a robbery, they told me in XXXX because in that date my English was less than today, you are gon na pay this total of interest, i say okay, i sign for it.a month later, i noticed i have a GAP, i never asked that, a car with XXXX XXXX mile not need it.Now they wan na i continuing wasting my money .i signed for a total of interest, not that they are telling me now, i know my English is not good but please tray to understand me and i hope this prevent to another people fall in such scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I prepaid for a car rental on the XXXX website. When i arrived at the XXXX store to pickup the representative stated that they did not accept reservations that have paypal cards. She said she would have to create a new one which i paid with my XXXX XXXX card and that i would need to contact customer service and they would refund the original charge. I have now contacted the customer service line 4 times and requested a supervisor. They have not refunded my charges so i have been charged now twice for this car rental. Each time i spoke to them they stated they are submitting the refund and i would receive it within 7-10 days. To this day i only received a credit for one day that i added on. They provided me two refund confirmation numbers XXXX and then the next call they gave me XXXX. I have also reached out via social media. If it's not resolved I will open a complaint with the CFPB. I have attached the final receipt paid with XXXX card and initial reservation. Paypal has not accepted any of the 4 attempts to submit a dispute online. The website says there is an error and i am unable to reach anyone. 
This charge was on XX/XX/XXXX for {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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:
A person or someone within an organization, the court or government entity may have breached my rights to privacy, and committed a fraud by utilizing my confidential identifying information in connection with or obtained through a consumer credit transaction without my express authorization. My private information is now being furnished/shared publicly, to my detriment, by unauthorized third party ( s ) and reported to several consumer reporting agencies, in violation of state and federal privacy laws and my consumers right to privacy under the Fair Credit Reporting Act.

The accounts are evidenced in my credit file and impairing my ability to engage in commerce. As a direct result of my privacy being breached US Bankruptcy court and/or XXXX XXXX  appears to be reporting an unauthorized, inaccurate, irrelevant account and other information within my file. I have filed an identity theft report number XXXX with the Federal Trade Commission to have all unauthorized items removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: PA
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 am a victim of identity theft through a data breach. As your company knows a data breach has effected a lot of people in their lives in a negative way. My life has been turned upside down because of it. I have fraudulent inquires that can't stay on my report and must be blocked and removed according to the FCRA you have 4 days within receipt of this to get it off my report. As you know me being a victim of data breach has made me vulnerable. Im in the process of buying a house for my XXXX  he's a XXXX  man and needs a place to be where he can heal and get better. Family is everything to me and I hope it is to you. As a consumer protect me and remove this as soon as possible because I have to buy a house and it is stopping me from helping my XXXX. I have attached the FTC report with the names and dates the fraud took place, also a picture of my ID and proof address. 

XXXX Bless You.

Company response to consumer: Closed with explanation