BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I had a fraudulent account on my credit report. I placed a fraud alert on my credit report with all XXXX agencies through XXXX. Then tried to dispute the account with all XXXX agencies independently. XXXX and XXXX had phone numbers to contact directly and dispute the charge immediately. However Experian lists phone numbers that are purely automated ( no option for an agent, hangs up after ) referring to the website. Tried the file a dispute on the website but i needed a copy of their credit report. I tried putting in my information and it told me " they are unable to honor my request '' and that I would have to submit in paper through the mail a request including all my personal and private information including social security number, date of birth, address and potentially money to buy a report. I already have a report through a different group, i do n't need a report. I just want to dispute a charge but there is no way to get this done directly. This is a consumer business that handles my credit information and is essentially holding it hostage to make a fee on a credit report. How is it possible that there is not a direct phone number to an agent required for this business?

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 2015-03-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there is a XXXX BP account on my credit report that does not belong to me. I have attem have attempted to dispute several times to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is an ongoing problem since XXXX starting with XXXX XXXX then transferred to Navient. XXXX XXXX and Navient are legalized extortionists. The continued issue is misappropriation of funds despite explicit instructions. All stubs with notations as well as check are photographed and saved. XXXX payment was written and mailed XX/XX/XXXX. XXXX XXXX payment was in the amount of {$140.00}. {$0.00} was applied which now results in the perpetual cycle of : affecting credit score for missed payment ; compounded interest ; higher principal as not lowered by the prescribed and received payment applied to balance thus increasing the owed amount. In addition, XXXX payment of {$200.00} is noted has {$340.00} paid. Once again Im told a missed payment yet it is a misappropriation of payment. This affects my credit rating and adds undue interest and penalties in an already legalized extortion algorithm that is financially strangling. In addition, time spent trying to correct. Ive called Navient yet again to have them correct their error. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Colony Brands, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone opened a card in my name through Monroe and Main last XXXX. I received a notification that a new account was opened in my name through my credit monitoring. I immediately called them to tell them it was not me and fraud. They said it would be taken care of. I then received a bill in the mail and a set of shoes in the mail. I called them again and put another dispute in with them and they assured me that it would be taken care of after they were very rude and not helpful. I mailed the merchandise back to them which they received XX/XX/XXXX. I now have a delinquent payment on my credit report from them. I called them again on XX/XX/XXXX and they assured me it was closed and would be taken off my credit. I then receive a notice that they opened a new account in my name again. Please help Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX pa, XXXX XXXX Account # XXXX no contract and no signature

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions Inc.
State: OH
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:
I sent out numerous affidavits of dispute to XXXX  and Experian since XX/XX/XXXX. My most recent affidavit was sent out certified mail with return receipts XX/XX/XXXX. Both companies received my disputes on dates XX/XX/XXXX and XX/XX/XXXX. In my dispute letters, I asked for their validity and verification of an alleged bankruptcy on my credit report. Experian failed to provide such verification documents bearing my signature or methods to validate the account. XXXX  failed to respond all together to my request, which is a violation of FCRA Sec 611 ( a ) ( 1 ). Within my affidavit of dispute, I enclosed documents from the court that is listed on my report, stating they do not report information to the credit bureaus. I also enclosed information from XXXX stating they do not have any bankruptcy record on file for me so Experian is reporting inaccurate information stating they retained such information from XXXX. I also enclosed information of my XXXX  report showing there is no public record on file for me. So with all the supported document I have filed, I request that the derogatory account be deleted from my XXXX  and Experian reports.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it 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 2021-08-27
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
good morning I have an account with NetCredit financial. The amount of the loan is {$1900.00} and my monthly payment is {$160.00} For over a year I got laid off from my job so I called Netcredit asking for hardship. They told me not to make any payments but they kept sending me bills anyway. 
I called them and begged to settle this account, they told me to pay {$2000.00} to catch up and resume my monthly payments. 
Because of their predatory lending now my balance went from {$1900.00} to {$4000.00} and we still have 2 years left. 

I understand NetCredit is a part of whats called XXXX XXXX XXXX XXXX and they must be stopped. 
Could you please help with this matter. 
My account number with them is XXXX Thank you so much. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I initiated a credit dispute with the XXXX credit reporting agencies on late payment remarks that are inaccurate. Also I did contact the creditors and they ran in investigation and sent me letters stating that I was not late. I have sent this to the credit bureaus and they refuse to do their jobs. I 'm just trying to get this rectified so I can purchase a new home for my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I found inquiries on my credit that wasn't done by me. PLEASE SEE ATTACHMENT FOR THE LIST OF INQUIRIES TO BE REMOVED.

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 2016-05-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After checking my credit report, There is a XXXX card balance. I gave them my social security information and nothing is pulling up. Where are t\trying to close on a house, and this is really affecting my eligibility for my VA loan .

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 2016-02-26
Company: IQOR US INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Not only have they called my job after numerous times of being told NOT too, they also attempted to share my personal information with another employee ( social security number ) And also have threatened to do a garnishment when NO legal action has been taken!

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 2020-07-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I took out a loan with Wells Fargo for a XXXX XXXX in XXXX. Since the car was financed I had full coverage insurance on it. In XXXX of XXXX to XX/XX/XXXX again in XX/XX/XXXX to XX/XX/XXXX and once more XX/XX/XXXX to XX/XX/XXXX Wells Fargo XXXX XXXX insurance on my loan. With the added amount I could not keep up with the higher payments and they reposed my car. XXXX of XXXX i was made aware of a lawsuit against Wells Fargo regarding XXXX insurance. They asked that I provide them proof and I did at that time. After waiting with no answers I contacted Wells Fargo multiple times with no definitive answers. They final sent a check XXXX of this year and it was returned due to no fault of mine. Ive contacted them multiple times to please reissue my check. Nothing has been done to this date. Please help me get my money .... Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: U.S. BANCORP
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I leased a vehicle through US Bank. The lease ended in XXXX of XXXX and I opted to purchase the vehicle from US Bank. On XX/XX/XXXX, I sent US Bank a cashier 's check for the full {$22000.00} purchase price of the vehicle that I was quoted. {$1200.00} of the full {$22000.00} purchase price was listed in my itemized quote as the sales tax collected by US Bank for the sale of the vehicle. Approximately two weeks after I mailed the full payment check, US Bank mailed me the documents necessary to transfer the title of the vehicle. Included in the documentation I received was a cashier 's check from US Bank in the amount of {$1200.00} to be used to make the sales tax payment during the title transfer. While transferring the title at the XXXX XXXX XXXX on XX/XX/XXXX, I was informed that the {$1200.00} check from US Bank was made out to the wrong entity and could not be used as payment for the applicable sales tax for the title transfer. At this point I paid for the sales tax on my credit card, completed the title transfer transaction, and destroyed the now useless check from US Bank. I have called US Bank customer service several times over the past 8 weeks to request reimbursement for the {$1200.00} sales tax, but I have been completely ignored after each call. I keep getting told to call back in a few days to check on the status of the check issuance, but no action by US Bank is actually taking place. I've been consistently assured that status updates will be provided, but no status updates have been provided by US Bank. I've paid the sale tax for my vehicle twice over at this point due to US Bank 's cashier 's check error. I am turning to the CFPB to help me escalate this issue with US Bank so that I may finally receive my long overdue reimbursement.

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 2020-10-26
Company: ERC
State: PA
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:
Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection Enhance Recovery XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act.

With continued failed practices, this is a violation of the law, which decreases my credit the score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had an account with Venmo back in XXXX. After an ongoing dispute with Venmo about the {$140.00} transaction that I was not financially responsible for, Venmo failed to deliver any resolution after the case was escalated. Hours days of my time and aggravation. I had no choice but to stop this exhausting process by recovering my funds with a dispute with XXXX. XXXX found that the dispute with Venmo was valid, and the {$140.00} was refunded back to me. On XX/XX/XXXX, Venmo let me open a new account with the same name, same address, my other email, and phone number. After receiving {$930.00}, Venmo froze funds. Their explanation was they needed DL and bank statements. I sent it over eight times. The account was still frozen. Hours and days of not getting the answer and funds. At that point, the sender requested Venmo to send her funds back. Venmo refused her request and forwarded her to the payee- me to issue the refund when they knew they froze the account. They finally emailed that they hold {$930.00} funds because I owe them {$290.00} from my other account from XXXX. I do not own anything as the case was disputed with XXXX rightfully in my favor. Venmo practiced extorting me for {$290.00} ( {$140.00} x2 ) and took {$930.00} until that amount was paid to them. The sender keeps requesting the funds to be returned to her. I've requested Venmo to release funds back to the sender. Venmo refuses to release {$930.00} back to the sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 we became eligible for automatic payments on our mortgage. The representative for the lakeview XXXX XXXX told us we could use a credit card on the account for automatic payments. We called back with the credit card account and routing number for them to take and they accepted it. We did not find out until the month after that the payment did not go through. We contacted Lakeview and they said they actually do not accept credit cards for autopay. We paid both months and switched our autopay directly to our checking bank account.

Until we tried to refinance a little over 6 months ago we didn't know that this incident had been negatively reported on our credit. Due to lakeviews employees giving false information, it is their fault we have a negative mark on our credit report. We escalated this problem through lakeview and their team denied taking it off our report without even listening to our recorded phone conversation like we had requested. We then contacted a manager to let them know what their escalation team did, they said they would take care of it and requested us to ask in writing, so we did. We never heard back from their manager. We have since escalated it a second time with a different manager and have once again gotten no word back. We then reported to XXXX what they did and XXXX wasn't able to help us either. 

This is our ONLY negative marking on our credit report and have desperately attempted to resolve the issue in every way we can. We have been extremely mistreated by this company. We need your help please.

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 2015-05-06
Company: IQOR US INC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I originally opened the account but released all control to my daughter when she moved XXXX by phone with a XXXX rep XXXX years ago. I have never been billed for the account in the past 7 years ... my billing address is not on the account because everything was through online bill pay ... eco bill. I do n't have access to the account and now all of a sudden it has gone to collections and they are saying I am the original account holder and responsible for the past due balance owed on the account ... supposedly my social is tied to the account so that means you should also have access to my other account in order to contact me about the past due amount. XXXX dinged my credit without contacting me XXXX. When I called XXXX their excuse was we billed the address on file. I know that was a lie because everything was online bill pay. There was no address on file I know that for a fact because the rep asked me for the password that was on her account so they could access the account. I told them I had no clue to the password since it was not my account. I also know my email address was not on her account. When she took over the account everything was changed to reflect her ... email address and password ... only she had access to the account. They had no problems allowing her to take over the account so they should be holding her responsible for the bill. Everything is done through email because that 's what the account preferences were set up as. That 's not acceptable ... they have my address on file because I have my own XXXX account so they ca n't say they could n't find me. I have lived at the same address for 20 years and had the same XXXX account for the past 13 years. You ca n't say its my account and never bill me for it. I have received no paper, phone, or email contact over the above referenced account number for the past due balance. You ca n't have you cake & pie and eat too. I was never given a chance to dispute this ... it just showed up on my credit report XXXX hours ago. I received a text alert from XXXX that this was just added to my report. 

My credit report reads as such : ALLIED INTERSTATE $ XXXX XXXX account reported on XXXX XXXX, XXXX : Account # XXXX : $ XXXX Creditor : XXXX XXXX Balance $ XXXX Date : XXXX XXXX, XXXX Reported : XXXX XXXX, XXXX : IndividualRemarks : Placed for collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX opened a Fraudulent Account in my name in the amount of XXXX on XX/XX/2019. This Account is a result of Identity Theft and I didn't Authorize this account to be opened.

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