BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Have been trying since XXXX, 2015. To get the collections items removed. 

I have asked Experian to earnestly update and remove the collection items off the credit Report. According to the provisions of the Fair Credit Reporting Act ( XXXX ( a ) { XXXX XXXX ( a ) That these items must be seriously reinvestigated and or deleted from my credit report within 30 days. as the mere reporting of items. Contacted XXXX, With complaints as well. Your records will show that I have contacted your Government Entity to assist. Trying to get my mortgage and appraisal licensing completed. 
Your assistance in this mater will be greatly appreciated. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX XXXX coast to coast for extended periods of time. I am reliant on autopay for 3 other credit cards, utility bills, and 2 auto loan payments. The only problem I have ever experienced with autopay in 35+ years of consumerism is with my Verizon Visa Card by Synchrony Bank XXXX When I 1st received the card I activated it and set up autopay from my bank debit card like I do for all my financial accounts. After 2-3 months I became aware by logging into my account that my autopay wasn't working. I called Verizon Card and paid the balance. During this call I set up autopay directly through my checking account. Now 2-3 months after I find my autopay is still not active. I have talked to the call center and they tell me I never set up autopay. Then they stated autopay is subject to approval by Verizon Card. They are very condescending. They talk over the customer with corporate rhettoric. They scold the customer after backing them into a corner with their lack of business ethic. After insulting the call center worker they told me the late charge will not be waived. I don't have the time for this. My life revolves around my career so I'm able to pay bills. Not jumping through hoops for my Verizon Card and the entertainment of Synchrony Bank call center workers.

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 monetary relief
Consumer complaint received 2022-10-09
Company: Grain Technology, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
9 months ago I received an email about this company changing their terms of service advising customers that are impacted would me contacted. I sent out a request through their contact form ( there is no way to reach a live person ) to get more info I received no response. 

5 months ago I lost access to my account no warning, no way to make payments no info. The request was closed with no response. 

4 months ago I submitted another request a month later someone responded advising they were not able to accept my identification so they were closing my account. My drivers license issued by the state of Texas was provided I dont understand what they meant by that. Also I was 6 months into the loan why is this happening now. 

2 months ago I reached out again advising automatic payments stopped going into my account and I was unable to make payments on their app. The same standard response was given I was not able to be identified and that I should make a payment on my account with no direction on how since the app was not allowing me to. I was reported to the credit bureaus with late payment. 

25 days ago I submitted a complaint advising the app would not allow me to make the 2 months past due payments they caused instead it is forcing me to pay the entire balance. I have received no response and again they reported me to credit bureaus with 2 months late payments. 

There is no way to communicate with this company directly and it takes almost a a month for them to respond if they respond. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We recently installed a home phone line and a week later started receiving frequent calls from Portfolio Recovery at XXXX asking for a man who does not live here. The calls come throughout the day and we have informed them many times that they have the wrong number. Each time I try to speak to a supervisor I am hung up on by the caller.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Mercedes Benz Financial Services
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I HAD A LOAN WITH XXXX XXXX ON AN XXXX. I TRADED THE VEHICLE IN TO MERCEDES BENZ FINANCING AND PURCHASED A NEW CAR FROM THEM IN XX/XX/2020. A MONTH OR SO AFTER TRADING IN MY VEHICLE, I WAS MADE AWARE THAT MERCEDES FINANCING DID NOT COMPLETELY PAY OFF MY VEHICLE, AND THERE WAS APPROXIMATELY {$100.00} REMAINING TO BE PAID. I WOULD LATER FIND OUT AFTER SPEAKING WITH SEVERAL REPRESENTATIVES, THAT THIS WAS BECUASE THERE WAS A DELAY IN SENDING OUT THE CHECK TO THE PRIOR FINIANCING COMPANY. BECAUSE OF THIS ERROR THAT WAS NOT THE FAULT OF MINE, MY CREDIT WOULD ALSO SUFFER BECAUSE OF THE LATE PAYMENT THAT I WAS UNAWARE OF. I HAVE BEEN CALLING MERCEDES SINCE THEN TO RESOLVE THIS ISSUE AND THEY STILL HAVE NOT DONE SO-AND IT HAS BEEN OVER 4 MONTHS. IN AN EFFORT TO NOT HAVE MY CREDIT FURTHER IMPACTED, I COMPLETED THE PAYMENT IN THE AMOUNT OF {$110.00}, ALTHOUGH IT SHOULD HAVE BEEN PAID BY MERCEDES FINANCING. I WAS ALSO TOLD THAT THE VEHICLE HAS BEEN RESOLD TO ANOTHER CAR DEALERSHIP, BUT IM UNCERTAIN HOW AS MERCEDES DOES NOT OWN THE TITLE BECAUSE IT HAS NOT BEEN PAID IN FULL SO LEGALLY THEY CAN NOT RESELL IT AS THE TITLE IS NOT FREE AND CLEAR. I AM REQUESTING THAT MERCEDES REFUND MY PAYMENT AND RECTIFY THIS ISSUE WITH ALL THREE CREDIT BUREAUS IN THE FORM OF A DISPUTE ON THEIR BEHALF FOR DAMAGING MY CREDIT. I HAVE ATTAHCED A COPY OF THE PAYMNET CONFIRMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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: Account information incorrect

Complaint:
As of XX/XX/2022 XXXX XXXX  closed an account on my credit with the balance of {$9300.00}. They received a 1099 C from the IRS which means they got a tax credit for the remaining balance. They are trying to collect from me and the IRS. They need to update the balance to {$0.00}. I have reached out to XXXX which is one of the representatives in the Executive Customer Relations department XXXX XXXX XXXX but she has yet to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: Rocket Mortgage, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was charged a late fee of {$22.00} from Quicken Loans because I made my payment late by 31 minutes. I contacted Quicken Loans about removing the late fee as I made it on the last date of my grace period, and they refused to remove the late payment. I then asked them to send me confirmation of my payment being late, and they also refused to send me that. I feel it is pretty rotten of a company to charge me a late fee of {$22.00} and then not even bother to send me documentation that the payment was late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17
Company: TRANSWORLD SYSTEMS INC
State: MD
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:
In 2018, a collection was placed on my account by Transworld System for an unpaid XXXX bill that I had never received from the original creditor. I informed the collection agency that I was not initially informed by the original creditor and had already paid the original creditor directly. I reached out to XXXX to explain the situation and have the collection account removed from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: GA
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 see three credit inquires in my name. I check my credit scores in XXXX  XXXX. 

I got an alert, there is an hard inquiry on my credit report. None of which i authorized. 

These are the details i see so far on my account. 

Equifax 1. XXXX XXXX  XXXX/XXXX  XXXX Inquiry from XX/XX/2020 2. XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX  1.XXXX  XXXX Inquiry from XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was fully up to date with my HELOC with  XXXX  and was making my payments through my bank 's autopay. They sold to Shellpoint. It was hard getting through to make payments. I did not realize I fell behind with them in  XXXX  as I thought I had changed the bill pay information. I tried paying on their website and calilng but it seemed impossible during work hours. When I finally was able to get through and pay them, they somehow reported  me two months late  and made it impossible for anyone to refinance me. I then continued to make payments from thereon. I have a HELOC balloon payment as it turns out so as of  XXXX   XXXX  they would only accept full payment and began to report me late and rack up fees. They told me in  XXXX  to submit a package to do a " work out. '' The would only contact me by phone call and would not email me back to tell me if paperwork was acceptible or incomplete or in their correct format and so not until end of  XXXX  was package submitted. They have not gotten back to me with any answer and they say the do not know when or if they will do anything for me. I have no idea whether to wait for their answer or if they are trying to foreclose on me because I have good equity. I have  XXXX  children. The only hardship I have is I do not have  XXXX  but am willing to make payments. It was only because of their late reporting I could not refinance with  XXXX  or  XXXX   XXXX . They were the only ones in the way of us refinancing.  XXXX  would have refinanced us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: Open Dealer Exchange, LLC
State: FL
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 was asked to be a cosigner but I wasnt aware that XXXX was going to do more than one hard pull on my credit. As you can see Ive been working extremely hard to build my credit during this pandemic to get help with buying me and my kids a home since I recieved a eviction notice. This has put me 2 steps backwards if I had known these hard inquiries would effect my score and it was more than one company checking my credit I wouldnt have volunteered. I am in a crisis and need help with remove these hard inquiries asap please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2016-11-16
Company: McCarthy, Burgess & Wolff, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
McCarthy , Burgess & Wolff Debt collection company has continued to call after being informed that my phone number is not associated w/the debt in collection. 

In addition, the calls are fully automated w/no option to be connected to an agent or other cognizant individual. Call-back to a different number is required to engage at all. Even if this is n't against policy, it 's obnoxious - especially since the debt being pursued is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
wE ARE ATTEMPTING TO NEGOTAITE A SHORT PAYOFF ON A HELOC THAT IS OWNED BY BBT AND THIS LOAN IS GOING INTO FORECLOSURE. WE HAVE ATTEMPT TO REACH OUT THE THE BBT LOSS MITIGATION OFFICE, AND WAS TOLD THAT WE NEEDT TO CONTACT THE HELOC LOSS MITIGATION. THE PHONE NUMBER PROVIDED ONLY ALLOWS YOU TO LEAVE A MESSAGE, WHICH FOPR THE PAST XXXX WEEKS WE HAVE LEFT OVER A DOZEN VOICEMAIL. WE HAVE CONTACTED BBT CUSTOMER SERVICE AND THAT EVEN TRIED TO REACH A LIVE PERSON AND AFTER SEVERAL ATTEMPTS THEY GAVE UP. WHE CALLED ANOTHER NUMBER THAT GAVE XXXX, XXXX AND AGAIN LEFT MESSAGE AND NO RETURNED CALLS. I TRIED CALLING ANOTHER PROVIDED BBT NUMBER ( XXXX FOR THE XXXX AND WAS ON HOLD FOR XXXX MINUTES THEN THE PHONE CALL DROPPED. CALLED BACK AGAIN, AND AGAIN AFTER XXXX MINUTES, THE CALL DROPPED. WE ARE TRYING TO INITIATE A SHORT SALE ON A XXXX MORTGAGE AND NEED SOMEONE TO CONTACT MY OFFICE ASAP. I HAVE INCLUDED THE BORROWER XXXX PARTY ARTHORIZATION AS WELL. PLEASE HELP. THESE PEOPLE ARE BOUT TO LOSE THEIR HOME AND THEY HAVE A PURCHASE CONTRACT, BUT NEED TO NEGOTIATE THE LARGE XXXX MORTGAGE THE MONTHLY PAYMENT WENT FROM {$510.00} PER MONTH TO NOW {$1800.00} PER MONTH AND THE LENDER OFFERED NO REASONAL SOLUTION.

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 2016-08-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian has been reporting XXXX XXXX XXXX for 5 years, has been investigated more than 10 times and each time verified false, fraudulent, incorrect and incomplete information.THIS ACCOUNT FURNISHER has violated the spirit and the letter of the law in the 2009 Credit Card XXXX dollars was paid in XXXX checks to open the account ( violates statute by excessive amount ) XXXX illegal internet access charge was made ( violates statute ) XXXX late fees are excessive ( violates statute ) the information on the credit report is based on activities that include the illegal charges so the balance is inflated. 
there is no DOFD on the report, the amount of last payment is not listed, the scheduled payment is not listed ( used to determine excessive late fees ) .I have attached all account history and legal references in the form of the statute, the CFPB guide, and the Federal Reserve COMMENTARY on the final implementation of the 2009 CREDIT CARD ACT. 
ALL VIOLATIONS ALSO VIOLATE THE FCRA AND FDCPA ON THE PART OF EXPERIAN AND XXXX XXXX BANK, RESPECTIVELY. 
THE BUREAU AND THE FURNISHER ARE NOW FINANCIALLY LIABLE REGARDLESS OF ANY DELETION, CORRECTION OR FUTURE ACTION.I SUGGEST EXPERIAN LEGAL TAKES SOME ACTION FOR KNOWINGLY ABETTING A FURNISHER IN EXTORTIONATE ACTIVITY AND FOR FDCPA,2009 CREDIT CARD ACT AND FINALLY THE FCRA OF WHICH WAS WRITTEN FOR THEM.. 
A JURY PUNITIVE AWARD IN THIS CASE COULD BE SIGNIFICANT! 
ENJOY THE CLEAR AND CONVINCING EVIDENCE AND DO WHATEVER YOU WANT WITH IT.The federal reseve investigator is finding more to hang you with.

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 2016-03-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX to XXXX XXXX during this time my credit accounts were tampered with and unauthorized charges. I have filed FTC complaint, police report with XXXX police agencies ( XXXX XXXX, XXXX XXXX, and XXXX ). Have informed and disputed with XXXX creditors numerous times with no action taken by them to remove or block. After several ID Theft disputes with CRA Experian - learned about FCRA XXXX and sent on XXXX XXXX to block. Experian refuses to block.

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 2016-08-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Already dispute with experian. They will not let me dispute again, said they already investigated and will not reinvestigate.

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 2016-12-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX and Experian refuses to remove XXXX Chapter XXXX dismissed bankruptcy from credit report Desired Resolution : Delete Chapter XXXX Public Record from my Equifax XXXX and Experiancredit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: AES/PHEAA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
To whom it may concern, I have been trying to get a refund from my student loan servicing, Fedloan Servicing, but they told me that they have transferred my loan through XXXX sometime in XXXX of XXXX. 

Initially, Fedloan Servicing told me to try ang get my money from XXXX but XXXX told me that since it was a paid off loan that I need to get it from Fedloan Servicing. 

Unfortunately, neither of the servicing have given me a concrete answer as to what steps to take to get my refund nor if my student loan is being processed for refund or not. 

Per CARES Act, I am requesting my XX/XX/XXXX through XX/XX/XXXX ( last payment made ) be refunded. 

Ultimately, the goal is to have my student loan refunded and be forgiven per Biden 's one-time student loan cancellation. 

Thank you for your time. Attached is the email conversations between me and the servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: MI
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:
FRAUD ADDRESS REPORTING BY EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-09-10
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am getting several debt collection bills to which I know nothing about. I have stated so on credit karma and disputed to accounts and now I 'm getting more in the mail. Are companies like CSC allowed to harass me like this about something I know nothing about. Am I responsible for giving even the slightest information about me when I know nothing of the bills to which they are referring. How could I even tell if someone stole my id for the bills when they show XXXX information about the bills. Should I make up bills of my own and charge them with them like they are doing to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/XXXX I did online purchases from Bass Pro. A few days later I checked my credit score and saw Capital One did a hard inquiry on me for a BassPro card. I never authorized this. A few days ago I rec 'd a letter from CaptialOne dated XX/XX/17 to call them to complete my credit card application. Again, I never requested a card or authorized a credit check. Their hard inquiry, however, harmed my credit rating by about 15 pts.

Company response to consumer: Closed with non-monetary relief