BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: Jim Bottin Enterprises, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I walked in to the club and opened my health club membership, they told me I would only owe the initial opening amount, the first month, and there would be an annual fee per year for equipment fixing. She did it really fast on an ipad and I signed and trusted her. I recently had to quit the club and now they want another month payment and a fee of {$59.00} buyout option. They never disclosed this to me, there was never a meeting of the minds and this contract is fraud. If you read reviews on XXXX, many people are upset about this fraud, I am not the only one. I want to leave this membership without a fraudulent buyout fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Maximus Education, LLC dba Aidvantage
State: OH
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:
I had continued to make payments on my student loans during the pandemic until I had it completely paid off. I then heard you could get a refund and that it would be forgiven and no repayment would be required. 
I called to inquire about it and was instantly told that I would be receiving a refund in about XXXX weeks. There wasnt anything asked or required of me besides my social security number. I thought it was odd but figured it was part of the pandemic process. 

NEVER once was I informed that the possibility of having to pay it back could be on the table. Nor was I required to sign anything saying I agreed to pay back if needed. I feel I was scammed. 

I feel it was a terrible guise to create more debt for already struggling people that could use a break to get caught up. 

There is no way I would have accepted the refund if I knew I had to repay it. I HAD JUST PAID OFF MY DEBT TO THEM! 

I have called the customer service number and the automated system says that I dont have a current balance yet I continue to receive past due letters for this account that I never created.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX is showing that the following accounts are charged off every month since XXXX. Some of the account show charged off and closed and late all at the same time. XXXX will not allow me to file a new complaint with them and they have the incorrect information. I have requested the information they have be verified by me by having it sent and nothing was sent. They should not be in business : XXXX XXXX XXXX  ; charged off ONE TIME in XX/XX/XXXX. I spoke to XXXX XXXX XXXX on XX/XX/XXXX and they verified it was charged off in XXXX and not been reported late or charged off since. XXXX is saying its charged off XXXX. 

XXXX XXXX XXXX ( XXXX ) ; charged off XXXX. The cares were given back to the company in XXXX XXXX bankruptcy and should be reporting charge off in XXXX but XXXX has it showing charged off in XXXX XXXX ; charged off in XXXX XXXX is showing charged off in XXXX this was included in XXXX XXXX bankruptcy. 

I want XXXX to supply ME AND I DEMAND IT the information that matched what they are reporting, what a pile of XXXX credit agency. I could lose my job over this incorrect reporting. This is holding up a XXXX XXXX XXXX  and Im XXXX XXXX because of the inaccurate data on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent a certified letter with return receipt via the US Postal Service to Experian disputing an erroneous account on my credit report. I asked for the account to be verified and validated, and to have the documents sent to me that were used to verify and validate this alleged debt. I received notice that they received my letter but they have refused to respond to me. It has now been more than the 30 days, which by federal law via the Fair Credit Reporting Act and Code of Federal Regulations that they have to respond to me as a consumer. By law, since they willingly chose to respond, they now must delete the account in which I disputed. I have attached the documentation which was sent and received by 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 2018-02-15
Company: ACIMA CREDIT, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Was told on XX/XX/XXXX that my remaining balance was {$790.00} + tax. I missed one payment, but two other subsequent payments were made. It is now XX/XX/XXXX and I asked what my final balance to pay off was, and was told it was around {$760.00} ( could not copy because the agent closed the chat before I could ; agent name is XXXX ). They failed to tell me why my balance has not changed and where my money is going. I have chat logs to verify this initial balance. 

I literally just want to pay this remaining balance and get them the XXXX out of my life. Apparently, it costs me stress and an additional $ XXXX EVEN AFTER I'VE BEEN PAYING SINCE XX/XX/XXXX FOR NO XXXX REASON!!! I'VE MISSED XXXX    XXXX PAYMENT. 

HERE is the kicker. It's been less than a month and they reported it to COLLECTIONS. YES, FOR XXXX XXXX PAYMENT THAT IS LESS THAN A MONTH OVERDUE. XXXX NEEDS TO BE DISMANTLED AND PENALIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: WA
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:
XXXX is showing that the following accounts are charged off every month since XXXX. Some of the account show charged off and closed and late all at the same time. XXXX will not allow me to file a new complaint with them and they have the incorrect information. I have requested the information they have be verified by me by having it sent and nothing was sent. They should not be in business : XXXX XXXX XXXX ; charged off ONE TIME in XX/XX/XXXX. I spoke to XXXX XXXX XXXX on XX/XX/XXXX and they verified it was charged off in XXXX and not been reported late or charged off since. XXXX is saying its charged off XXXX. 

XXXX XXXX XXXX ( 2 ) ; charged off XXXX. The cares were given back to the company in XXXX XXXX bankruptcy and should be reporting charge off in XXXX but XXXX has it showing charged off in XXXX XXXX ; charged off in XXXX XXXX is showing charged off in XXXX this was included in XXXX XXXXXXXX  bankruptcy. 

I want XXXX to supply ME AND I DEMAND IT the information that matched what they are reporting, what a pile of XXXX credit agency. I could lose my job over this incorrect reporting. This is holding up a loan originator license and Im losing business because of the inaccurate data on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Self Financial Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, I XXXX XXXX initiated a full payment towards my secured credit card from self inc. In the Amount of {$3500.00}. Shortly following the full payment I received an email from self inc warning me I have 15 days to provide verification and a bank statement or my account will be closed. I urgently uploaded the documents they requested shortly after they closed my account with no information or notice. They held my security deposit after sending an email stating it would be released in 15 days and electronically sent to my linked bank account. Well, that never happened its been almost 2 months, and my security deposit of {$3000.00} is being held by self for 2 months and is now causing me hardship. they are illegally holding my funds with no answer. stating they can not release anything until the review is finished. And have no timeline for this I have attached all information and correspondents on the communication done with self below. I am requesting the funds that are entitled to me under us law be released to me with no further questions. I also believe the bank intentionally and maliciously committed fraud by waiting for me to pay the credit card in full to then hold my deposit and close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Someone is using pieces of my personal information on their credit report. The result is relentless and continuous calls from telemarketers for the incorrect person. On XX/XX/2022 alone, I received more than XXXX calls within the first XXXX hours of the day.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : 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 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 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 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 2020-03-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX.Debt Company XXXX XXXX ( XXXX ) XXXX court docket # XXXX XXXX XXXX District Court of Maryland XXXX, garnishment judgment for $ XXXX= ( {$8200.00} ) ( {$6500.00} ) + $ XXXXcourt cost fees for a repossessed car Auto loan from XXXX, They went to court on XX/XX/XXXX. I was living in Virginia then and debt pass 7 years old or repossessed no longer liable. I was never informed or live in this state MD, never received subpoenas for court dates.

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 2022-12-22
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
adding to my complaint - Complaint Number XXXX I have asked that all Medical Reported Debt be removed from my credit report - Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. 

Such as XXXX XXXX XXXX for {$1200.00} XXXX XXXX XXXX for {$9100.00} Also All student Loans - Related to XXXX XXXX need to be removed as well ( See Letter attached )

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 2017-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove address XXXX XXXX XXXX XXXX GA 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 2022-12-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a review below that spells out my complaint. Apologies as I was annoyed when I wrote it .... 

Unbelievably bad customer service. I'm a XXXX XXXX and have been around for XXXX XXXX and I thought I'd seen it all. Pennymac provided me with a forbearance on my mortgage for 3 months during Hurricane Ian. My house flooded and I spent {$30000.00} in repair work so it was a relief to be able to hold off on mortgage payments. When I first spoke with a rep about the forbearance it was my understanding that I could repay the missed payments over time. After the 3 months forbearance, I called to find out what my payments would be and the term. Basically what I got was a debt collection spiel and the runaround and someone was supposed to call me back. Never happened so I called again after 3 weeks and same collection spiel and I was told I needed to pay all 3 months back immediately. I asked to pay it over 6 months which would be a payment and a half each month and was told no. WHY ON EARTH WOULD I HAVE A FORBEARANCE IF I HAD TO PAY IT BACK RIGHT AWAY. THAT DOESN'T HELP AT ALL. They finally presented me with a 3 month option which I accepted but still puts me in a tough spot to come up with double payments each month. XXXX heartless! 

I just wanted to pay it back over 6 months. That's all. I've been a customer of theirs for 8 years now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I went into a Bank of America Branch located XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX to change a {$4000.00} check paid to me by my employer and they kept my check on hold and since then I dont have my money. Ive gone to the branch and they wont give me any information. I did receive a letter saying that the funds werent gon na be deposited into my account. They want a 3rd party to claim the money.

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 2021-06-30
Company: Titan Revenue Solutions
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed disputes regarding Titian revenue solutions and provided proof that they have been reporting an account that does not belong to me. They have now started to call me and attempt to collect the debt even without providing proof or even investigating. I've had this dispute open since XX/XX/2020 and this has not been removed. I have had numerous problems due to XXXX XXXX data breach and they are not helpful at all in resolving issues. I'm trying to buy a home for my family but can not because they wont do what is required under the FCRA. I've written letters and called and there is no way to reach a person at XXXX directly. The documents they sent my address is not sufficient proof, no proof of identity it's just papers with some of my personal information nothing else. The credit bureaus and XXXX Revenue do not adhere to the laws that govern the reporting to a consumer 's credit report. None the less my participation in the class action lawsuit that XXXX  was involved in regarding their data breach that I was a victim of offers no real resolution to these issues and its unfair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm reaching out because it is now XX/XX/XXXX and both of my credit reports are still reflecting incorrectly. The I nstallment payments for the loan during the timeframe of XXXX should have been updated on my credit reports ( XXXX and Experian ) as on time. I spoke w/ manager XXXX and she stated on XX/XX/XXXX that the reports would be updated by the end of XXXX. It is now XXXX and this is halting my progress in being able to purchase a home. I've reached out on several times via email because XXXX XXXX added to my credit reports as a collection account dropping my score even lower. XXXX stated in her email on XX/XX/XXXX, immediately after our phone call " To fix this error retroactive waivers were applied to your loan covering installments owed from XX/XX/XXXX through XX/XX/XXXX. Your credit report should update to reflect those payments as on time during the next reporting cycle. '' It never happened.

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 2017-11-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Today, XX/XX/XXXX I received an email from XXXX XXXX that a collection account had been placed on my Equifax Credit file. The company name is XXXX XXXX. I disputed this account because I did n't have a contract with this company and I never did business with them. The collection account was removed from my file and now Equifax has allowed them to place this account back onto my file without by law notifying me within 5 days. This account needs to be removed and this company needs to be sanction for improperly places accounts onto consumers files. Please investigate Equifax and make them aware of these are unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: HUNTINGTON NATIONAL BANK, THE
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I asked to close my Huntington XXXX and Checking personal banking account four separate times starting in the end of XXXX. 

The reason for originally wanting to close my account was because of monthly maintenance fees that were never explained. 

XXXX XXXX at Huntington in XXXX XXXX XXXX XXXX told me over the phone I made enough income to comfortably pay the additional fees and why do you want to close an account with a local bank. 

I asked her to close all my accounts. She was extremely rude and told me I must do it in person. I needed to make a special trip back to the bank. I was assured it both accounts were closed. Come to find out weeks later they were still active. I went back to reclose it. I was assured again it was done and it will take a while. 

Went back a month later it was still active with more money in my account. Asked to close it again. 

Finally I went back today and it had deposits from a XXXX account. I pleaded again I wanted zero relationships With Huntington bank and to cancel all my accounts. 

It is still not finalized and I need help severing all ties with Huntington Bank. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-03-23
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00}.

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