BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: Fidelity National Information Services, Inc. (FNIS)
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:
never gave this company any of my PRIVATE personal information. furnished reports fraudulently.

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 2020-04-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
see attatched XX/XX/2019 statement confirms on XX/XX/XXXX, XXXX posted a credit of {$200.00} & {$280.00} USAA posted Temporary Credits THERE CAN NOT BE 2 CREDITS FOR ONE PURCHASE!!!!!! ON XX/XX/XXXX AND XXXX ALREADY GAVE THE CREDIT. ( see XX/XX/XXXX Adjustment Purchases ) THESE ARE TO BEGIN A FRAUD INVESTIGATION** AFTER THE MERCHANT PAID**.??? These are NOT MADE PERMANET & on XX/XX/2019 USAA FRAUDS ME CREATING PERMANET NEW CHARGES {$200.00} & {$280.00} FOR WHAT WAS JUST PAID **REVERSING MERCHANTS CREDITS CLAIMING they are usaa 's. 
*** USAA STEALS MERCHANTS CREDITS LEAVING CONSUMER WITH THE FRAUD MERCHANTS COVERED. ***

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit 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 2020-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had a Capital One Quicksilver Credit card that I missed 5 payments on. This was due to one I had moved from XXXX to XXXX in XX/XX/2019 and the statements were not forwarding to my new address. In addition, I thought that I had paid the balance off. There was one XXXX $ owed and not including over XXXX $ of late fees I received in that time. Once I became aware of balance and late fees I immediately paid off the entire balance. In addition, I called capital one and spoke to them about the issue and that I had paid off the balance and they ensured me that they would remove the delinquent marks for my credit reports. This was over six month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I disputed items on my credit report with TransUnion XXXX/XXXX/2016 via their online dispute portal. I received notice upon logging in to check status of my disputes that they needed additional time. I have reached out to them with no assistance regarding the fact that they have 30 days to investigate and either verify and/or delete items from my report. This is very distressing and they have been of XXXX help. I have also notified them of my taking steps to file a complaint with 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 2016-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Accounts on TransUnion previously deleted now reinserted without receiving a 5 day notice.

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 2023-04-12
Company: EQUIFAX, INC.
State: NV
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:
These are the several time that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/2012 I received student loans of various types. At the time, with all of the information being provided to me, I was told that the loans would be low payments and I would have a Public Safety Loan Forgiveness set up. Following the end of school, I set up a payment plan with XXXX. The payments were manageable and were being paid. 

Since the conclusion of school, I have been required to reapply for payment plans, PSLF, as well as payment increased to over {$600.00} a month by companies. When changing loan companies, to lower payments and better customer service, I have been given contracts for payment that are manageable, with the PSLF. The contracts are then bought by FedLoan and then I am forced to reapply and/or the payment is higher. As well, a lot of the time, their apps don't work to make payment and service is horrible. 

At this time, I am back in school, so payments have ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
On XX/XX/2019, I received a letter from Capital One, stating they deactivated my old card due to due fraud on behalf. I was to be reimbursed for the fraudulent activity. I received a new credit card, not allowed to activate it. After weeks of sending proof of identity, they called my energy supplier to confirm my residency. I was then told Capital One closed my account because I missed a payment on my old card. I didn't have the card in my possession and was told I had a returned check payment. I tried to explain that the person that stole my wallet/phone had access to all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received an information XXXX and written questionnaire dated XX/XX/2023 on XX/XX/2023. 

Today XX/XX/2023 money was withdrawn by XXXX XXXX XXXX XXXX from my XXXX year old daughters checking and savings account. 
1. Not even 10 days to return the questionnaire.

2. All money in my daughters account was from her part time job. None of that money was mine. I have a checking and savings account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Razor Capital, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX sold my account to razor capital a debt collector. Razor capital/XXXX XXXX had account through XXXX XXXX XXXX. When I went to pay agreed payment amount, XXXX said account was closed and couldnt tell me anything. Never received anything saying debt was still owed. Then went to sell my house and it says razor capital has a lien on it. Call razor capital and they tell you I owe and tell me to call XXXX XXXX  and XXXX another collector. Call them and they say if and when they get the account they can tell me how to pay. Had the real estate lawyer call and they get the run around as well. They got a letter from razor capital saying how much I owe ( XXXX ) but not how to repay it. They dont give you any way to get the lien off of the home so that I can sell it. Im only getting what is owed on the house Im not making money off of it. They will not tell me how to get lien off. I have called numerous times in the last 4 months or so and still get the run around. When I did the court agreement to pay {$25.00} a month which I did until they closed account it never said anything about a lien. I believe the account was closed and the lien should have been taken off. I co-own the home with my ex as well. So I dont know how they can have a lien on something that is not all 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 2021-11-13
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

CONVERGENT OUTSOURCI XXXX Balance {$640.00}

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 2023-01-12
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX am a federally protected consumer who has a right to privacy. I have never given XXXX or any other consumer reporting agency consent to furnish information and or accounts to my consumer report. 15 USC 1681 ( 4 ) states that there is a need to insure that consumer reporting agencies ( Experian, XXXX, XXXX etc.. ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Consumer reporting agencies have a legal duty/responsibility to protect and preserve my information and right to privacy. Using, obtaining or sharing my information or furnishing information or accounts to my consumer report without my consent is identity theft and is a direct violation of the law. 

XXXX defines Consumer Report as any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for XXXX also states what consumer reports should Exclude : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]

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 2015-10-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
There are absolutely NO options available to us that have these private student loans. The only option is forbearance and the max is 24 months! Plus you have to PAY for it!! XXXX XXXX calls my phone almost every 2 hours!! I do n't have the $ XXXX/mth payment! Do n't they get it? how can I possibly pay $ XXXX/mth on my private student loans? When will something be done about this? There are really no other options with These private student loans. I would even try to pay {$50.00} or something on it every month but to them it does n't matter, it 's still late. So what other option do I have?? Default. My degree was totally worth it. Yea right. There is no way that an XXXX or XXXX yr old student knows what tey are getting themselves into when they sign these promissory notes. No freaking way. Because if they had told me what I know now at XXXX I would have ran out of that school. We are slaves to debt for the rest of our lives. Predatory lending practices ... yes it exists. Unfortunately it has snuck its way into our educational system, crippling students that have no idea what they are getting into. I just ca n't believe nothing has yet to be done. 
When I went into the school to see my counselor because i was having a hard time finding work, ( as promised the school has job leads and placement ) she handed me a stack of XXXX job applications. Very professional. I feel like i was completely ripped off at an extreme cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I have applied, qualified and have been wrongfully denied by my mortgage lender for a FHA Hamp modification with principal reduction from day XXXX. They have tried every trick in the book to set me up for a Train Wreck and foreclosure .I have filed over XXXX complaints which has done absolutely no good at all. Please tell them that I do not want the co arrowheads name on my new modification. Please tell them that I want and deserve to be treated with respect, I want to know all the details and a clear Disclosure before I sign and return this modification paperwork they sent me on XX/XX/2015, they tell me that if I do not sign and return before XX/XX/2015, I will not get another chance hamp offer of any kind and basically my home will be foreclosed on. They will not tell me what my new interest rate will be or how much I will actually owe on my home when the modification is finalized. They say that the x co harrower s name will still be on my new loan even though I have a special war amity deed, divorce decree giving me full responsibility and ownership, and a restraining order against him. 

Example:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: KY
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them.

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 2020-11-27
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Asked for increase, which was refused for reasons not explained properly. Card payments were never late. card company refused to pull credit ( it is excellent ), and credit department rep. said mother XXXX of XXXX XXXX. 

CFPB needs to investigate Discover, i believe they have blaklists or tainted cardholder lists. my request get teated unfairly, while my wife 's do not. she gets points automatically, i do not. She gets increases automatically, I do not. 
These are tough times, but no one needs to tell me about Covid 19 at Discover. Just issue the increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Other

Complaint:
I received {$29.00} annual service fee for a credit card I do not use. I did not receive any emails or mail in regards to this fee and it went unpaid for two months. The moment I checked my account and saw the late payment I paid it the same day. I called Bank of America and an associate said after a payment is posted to my account I can call back and get the derogatory mark on my credit report reversed and removed. After the payment posted I called back and an associate said I can not reverse the derogatory that now shows up on my credit report. Now I lost XXXX points on on my credit score for a charge I did n't know occurred on a card I do n't use. I immediately cancelled the card because paying my late annual service fee did not help me on a card I do n't use.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 applied for business credit under the impression it was a soft/identity verification pull on my personal account only. They ran it as a hard inquiry which I would had never agreed to.

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 2015-11-24
Company: M&S Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
M & S Recovery Solutions, LLC contacted my mother on a past debt that I was not aware of on XXXX/XXXX/2015. They left a message for her to call them back. When she called they told her that they were going to file a XXXX on her with the IRS on a Credit Card purchase of mine at XXXX XXXX XXXX and told her to have me call them immediately to prevent this action. She was never involved with either the obtaining of a credit card for me or any purchase I made at XXXX XXXX XXXX and they are threatening her and giving her information on my account with them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation