BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-13
Company: Westlake Services, LLC
State: ME
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Due to an accident resulting in a total loss of my vehicle, I have been trying to get the auto loan resolved through the gap insurance coverage purchased with the vehicle. The week of the accident, I contacted the bank to advise them of the loss and to determine how to initiate the claim with gap insurance. I was told the gap insurance immediately kicks in when the claim payout from the liability insurance company is received. This was the week of XX/XX/XXXX. As of today, XX/XX/XXXX, the loan is still not paid off and the gap claim is still pending. After the bank received the payout from the liability insurance coverage the week of XX/XX/XXXX I waited for the gap insurance claim to initiate automatically. Upon calling the Bank a couple weeks later to obtain a status, I was then informed I had to cancel my service warranty first so the refund for that can be issued and then the gap insurance claim would be initiated automatically. I immediately contacted the service warranty company to request cancellation. They were supposed to send me a cancellation form which was not received and XXXX weeks later another phone call was placed. The form was received, it was returned immediately, and receipt was confirmed on XX/XX/XXXX. As a result of the delays of the three companies, the bank is now reporting my account as past due. The account should not be past due as based upon my conversation with the bank in XXXX, this account should have been paid in full no later than 30 days after the first payment was due on XX/XX/XXXX. There is no need for me to deal with this runaround to try to initiate a gap claim and then to have to wait 8+ weeks for the claim to be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Westlake Services, LLC
State: MD
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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 WAS ALERTED WITH NUMEROUS OF ALERTS FROM Y CREDIT PROFILE THAT SOMEONE HAD RAN MY CREDIT! CAPITAL ONE AUTO FINANCE WAS JUST ONE OF THE SEVERAL THAT I DID NOT AUTHORIZE. ALL OF MY LOANS ARE THROUGH MY CREDIT UNION XXXX XXXX. 
THERE WAS ALSO ONE FROM XXXX BACK IN XXXX THAT I DID NOT AUTHORIZE. I ALREADY HAD A CARD WITH THEM THAT I WAS APPROVE FOR BACK IN XX/XX/2021. 
XXXX ON XXXX XXXX WAS RAN TWICDE ON MY CREDIT. I WAS ALREADY APPROE WITH THEM A DAY OR TWO BEFORE WITH XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX  XXXX {$2700.00} XXXX {$2700.00} XXXX   XXXX {$2000.00} XXXX  XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$12000.00} XXXX  XXXX {$1400.00} XXXX {$260.00} XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$5000.00} XXXX   XXXX {$4000.00} XXXX  XXXX {$5500.00} XXXX   XXXX {$4000.00} XXXX   XXXX {$5500.00}

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 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of identity theft and did not realize it until just recently. My credit report has inaccurate information and accounts that do not belong to me, I am asking to please remove these accounts from my report immediately. It is against the law to keep these accounts on my credit report, and it is affecting my personal life in many ways. PLEASE REMOVE THESE ACCOUNTS XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) : XXXX XXXX XXXX XXXX : XXXX Hard inquiries not authorized by me : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 The accounts listed above were not authorized by me and they need to be removed 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 non-monetary relief
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/18 I received notification that my credit score had dropped. I  reviewed my report and noticed a collections account was added from XXXX funding. I disputed the account through Transunion asking for verification of charges. Transunion is showing the result of the investigation as meets FCRA requirements. What I specifically requested in the dispute is not addressed in the response. From what I researched online, XXXX is a third party collection agency.

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 2016-07-23
Company: TENET HEALTHCARE CORPORATION
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received at least 2 letters from Central Financial Control attempting to collect a debt that was paid in XXXX 2016. After the 1st letter I sent a letter disputing the charges and requested proof that they had a right to collect. That was on XXXX XXXX, 2016. I just received another notice/bill ( XXXX/XXXX/2016 ) threatening to report this debt to the credit bureaus. 
Not sure how to make them stop sending these notices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
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:
I no longer have an account there and they still report me to credit bureaus negatively affecting my credit. Had an account only couple months and went with another company ... this has been years!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: AMERICAN EXPRESS COMPANY
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 WAS ALERTED WITH NUMEROUS OF ALERTS FROM Y CREDIT PROFILE THAT SOMEONE HAD RAN MY CREDIT! XXXX XXXXXXXX XXXX FINANCE WAS JUST ONE OF THE SEVERAL THAT I DID NOT AUTHORIZE. ALL OF MY LOANS ARE THROUGH MY CREDIT UNION XXXX XXXX. 
THERE WAS ALSO ONE FROM XXXX BACK IN XXXX THAT I DID NOT AUTHORIZE. I ALREADY HAD A CARD WITH THEM THAT I WAS APPROVE FOR BACK IN XX/XX/2021. 
AMEX ON XXXX XXXX WAS RAN TWICDE ON MY CREDIT. I WAS ALREADY APPROE WITH THEM A DAY OR TWO BEFORE WITH XXXX American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-30
Company: TENET HEALTHCARE CORPORATION
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The debt from XXXX XXXX XXXX is on my credit account but I 've never been. Syndicated Office Systems seems to be the collector and I have not received a letter or a phone call from them. I called XXXX XXXX XXXX and I am not a patient there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
In reviewing all my payments to Navient over the past five years I have noticed that my payments amount against the principal has fluctuated. I have never been late and I need to know why in various month the amount of going against the interest has increased. To be exact this has happened on 11 separate payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: OH
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:
There are inquiries on my credit report that I did not authorize : 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 explanation
Consumer complaint received 2020-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
XXXX  is reporting a late pay on my Bank of America credit that over 7 years old and will not remove it from my history. This occurred in XXXX of 2014.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I would like clarification as to why certain information is reporting on my credit file. Please review the following ; Inquiry Name and Date : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX, XXXX XXXX -- XX/XX/XXXX XXXX/ XXXX  -- XX/XX/XXXX Please send me documentation with proof of signature showing that i infact applied with this creditor otherwise delete this unverifiable inquiry from my credit report. Also I have been saying this for several months now and it still has not been fixed i have goodwill adjustments from XXXX XXXX ( XXXX ) for the late payment of XX/XX/XXXX. I also received a goodwill adjustment from XXXX XXXX XXXX XXXX ( XXXX ) for the late payment XX/XX/XXXX. Even though the creditors sent the same letter to you. You are refusing to remove it from my credit. Please remove all inquires that i have listed above as well as the two late payments THAT SHOULDNT BE ON MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I signed for a student loan, for my son, through Navient and the terms were deceptive. I was led to believe that the loan was a simple 3.75 % interest and Navient is claimiming that it 's a variable interest loan compounded daily. 
On an {$1800.00}. Loan i will be paying XXXX. + dollars. This to me is a predatory interest rate! 
No wonder our children need our help & feel so cynical about their futures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: ALLY FINANCIAL 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 status incorrect

Complaint:
I, consumer XXXX is holding Ally Financial responsible for reporting unvalidated information to all the consumer reporting agencies on my name. This is fraud and my consumer rights are violated as per 15 USC section 1692d ( 1 ), any alleged unvalidated remarks or debt furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. Ally Financial continues to report incorrect information related to untimely payments which are incorrect and should be removed on my consumer reports. I have reached to Ally numerous times regarding this issue including the consumer reporting agencies but no resolution as of yet. I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.

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 2016-03-09
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I took a Parents Plus Loan for my oldest daughter. We have been paying it for 18 years and the principle stays at {$48000.00}. It was originally through XXXX XXXX and now Navient. I consolidated the XXXX loans. The payment is $ XXXX/month with 6.75 % interest. But 18 years?? I try to speak to them, but the folks in XXXX just tell me I have had a couple of late payments and that is why. Not good enough for me. My daughter has been an XXXX and now has XXXX XXXX degrees. I know XXXX XXXX/Navient were in the news for overcharging late fees but the ombudsman group has never gotten abck to me on that. If someone could make me unsderstand why the amount has not gone down. I am turning XXXX on Monday and really do n't feel like taking this into my retirement years. 
Thanks so much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
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:
I reached out to XXXX XXXX XXXX a number of times explaining that my credit file should have been on deferment due to myself being XXXX, I was born XXXX and have been receiving social security  XXXX since birth. My credit shows late payments which is damaging to my credit dated XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX on all 3 bureaus, I am only asking in good faith to remove the late payments off of my credit as I pursue to better my credit and life. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: SUNRISE CREDIT SERVICES, INC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX 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 has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: U.S. BANCORP
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX, # XXXX US DEPT .OF EDUCATIO, # XXXX DPT ED/XXXX, # XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Friday, XX/XX/2022, and Friday, XX/XX/2022, I received two identical text messages from an unknown phone number, ( XXXX ) XXXX, claiming to be the CBE Group. 

In these messages, they told me to contact them at ( XXXX ) XXXX or paycbe.com. They provided no context on what sort of debt they are trying to collect, no statement with balances, and no identification of my name in their messages. They also did not provide a physical address that I could reach out to via mail. On top of all this, nowhere could I find these numbers to be associated with the CBE Group on the Internet. I did report this as spam to my cell phone provider the first time receiving this, only to be contacted once again. 

Normally, I would be skeptical of these messages, but I am aware that CBE Group is a legitimate debt collection agency that partners with the IRS. Additionally, the XXXX area code of this phone number seems to match that of the CBE Group 's headquarters. 

When I checked my profile on the IRS website, it stated that I do not have any debt owed. I'm not sure if whether this text was sent by mistake or with malice. Since I don't recognize this number, I do not feel comfortable replying by text or calling them back. However, I also do not want them to falsely report me to credit bureaus for debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I was finally provided a loan forgiveness from Bank of America of {$120000.00} in XXXX 2015. I was also given a letter from Monitor of the Bank of America Mortgage Settlement stating that Bank of America has set aside {$490.00} XXXX in funds for tax relief for those of us that receive a loan forgiveness from BoA. I am now sitting with my taxes and seeing that I owe over {$40000.00} in State and Federal taxes due to the loan forgiveness. I have attempted to contact the XXXX but they have stated they are no longer providing tax relief. I have gotten no further information on how to access these funds.

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 2022-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Someone stole my unemployment benefits off my Bank of America card. I faxed in a fraud report, a police report, a copy of the mailbox replacement report from my apartment complex manager an XXXX report my California drivers license and a edd fraud report along with a detailed email with dates included of all details and time frames of the situation at hand and nothing has been resolved. Ive been at this for almost a year. I first filed the police report XX/XX/XXXX and I finally was able to log back in with the help of boa and see the damage being done to my account and see what forms and documents I would need to prove the facts. By the time I obtained everything needed and filed my first claim which was XX/XX/XXXX all my claims were being denied within weeks and days of the claims Being opened without reason besides the dates being old which was due to Bank of America not giving me the proper information needed to present the situation properly. I find it unfair that I filed for unemployment for XXXX XXXX for my daughter and she is now XXXX and still no resolution or help with fixing the issue at hand. Its been a long journey and I just want matters fixed in a timely manner its already been months.

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