BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-13
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have recieved approximately 10 calls from a company called Navient over the past month from several different numbers. The most recent, an XXXX number, but others were from Texas area codes XXXX and XXXX. Another came from an XXXX number. Each time, the individual states that they are from Navient in regards to student loans and will ask to speak to an XXXX XXXX. I then inform them that I have no idea who XXXX is or and that they must have the wrong number. I am then apologized to and informed that it must be a mistake and they will remove my number from whatever list of information they have. A few days will go by, sometimes longer, sometimes the very next day, and the process will repeat. 

I'm puzzled as to how they believe I'm connected with this lady as I don't even know who she is. I looked for a way to contact the company to report the issue to an individual other than those in the call center, but without having a loan through them myself, I can only get to the automated answering machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It's been over 90 days since i sent the letters to the credit burau I waited more then 30 days i have not receive anything from them when i check my credit report the errors are still in there inconsistency. XXXX XXXX XXXX # XXXX has been removed from XXXX and TransUnion but still show on 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 2018-05-16
Company: General Motors Financial Company, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX. In XX/XX/XXXX, the car was in the shop for over 40 days getting the faulty motor replaced. In XX/XX/XXXX it was " Presumed '' a Lemon and GM on XX/XX/XXXX offered a Collateral Trade. This trade was contingent upon getting my lender to agree to the trade. Since that time I have called GM Financial on many occasions, explaining what I needed. They would note my account pass me on to various department and no further action would be taken. Occasionally I would get someone who had some idea of what department could help me, and I would hold for long periods of time just to hit a dead end. Someone would give me another phone number to call which just got me to the same main line. In XX/XX/XXXX of this year, my Dealer Rep. XXXX XXXX of XXXX XXXX received instruction from GM Financial to complete a collateral trade info packet and fax it to them. After faxing it two different time, we had confirmation that the package was received and they would contact me when they were ready to move forward. After numerous emails to XXXX XXXX in Loss Mitigation, XXXX responded on XX/XX/XXXX and said she could initiate the dealer exchange process, as long as I understood that they would NOT issue any funds for the exchange, which I agreed that I did not expect them to do that. On XX/XX/XXXX my attorney who is representing me for the Lemon Law negotiation submitted a Letter of Representation to GM Financial per their request before they would talk to him. Following that GM Financial will not talk to me since I have representation, however they also are returning calls to my attorney and we are unable to get any status updates or answers. General Motors has now closed my claim due to no action and my attorney is indicating he can't complete the transaction he negotiated because my lender is non responsive, but he needs to be paid since the attorney fees due to him were built into the lemon law case. 

The dealership and my attorney have provided GM Financial with all the requested documentation that they have been asked for in a very timely manner, then told that they would initiate the trade approval, and since then nothing, which could now cost me thousands of dollars in attorney fees because my lender refuses to give approval on what is obviously a good deal for my loan. A XXXX XXXX clearly holds a higher value than a XXXX XXXX with XXXX miles on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
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:
On XX/XX/XXXX my Bank of America Prepaid EDD account opened with the EDD back up payments. 8 days later, an unauthorized withdrawal of {$5000.00} happened, I filed a claim and approx. 2 weeks later, the {$5000.00} was put back into my account. I requested for them to close that account and reopen a new one since this account has obviously been fraudulently hacked. This was ignored and I was reassured by the bank that there was no need to do this. I was homeless at the time and wasn't able to pick up my mail as frequent as it came. There was continuous problems with unauthorized transactions and I had to continuously change cards. Last year there was a class action lawsuit against B of A due to fraudulent actions in the EDD Prepaid accounts that is still active. I opened up 5 claims on XX/XX/XXXX with a total of {$4100.00} and I should of received a letter just acknowledging the fact of these being opened. Ive received nothing and the status is supposedly still pending. They are responsible to credit me {$4100.00} for numerous reasons, not closing this account in the beginning when {$5000.00} was fraudulently taken and open a new one, and for not performing the actions stated in our contract they would perform to protect my 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 monetary relief
Consumer complaint received 2022-05-26
Company: eToro USA LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
eToro *refuses* to return my money- they refuse to transfer any assets in kind, and they are forcing me to liquidate at a SIGNIFICANT loss ( more than 50 % loss ) before they will give me anything at all. The withdrawl process takes two apps and is so complex I am unable to determine what exactly to do to get my assets out of the platform and into another place ( other wallet )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime bank has repeatedly lied to me about not having my deposits then shows me proof that they had them while lying that they didn't. They also altered my bank statement so it doesn't show the actual date they received my deposits. I understand that they have a time frame for releasing deposits but they advertise that they never hold them and that's a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX around XXXX, I obtained a copy of my credit report and seen the account IC SYSTEMS on my report. I opened a dispute with XXXX and the representative also told me to contact the company IC SYSTEMS. I contacted IC SYSTEMS and I told them that their attempt to collect a debt is very unlawful. I spoke with XXXX XXXX Employee # : XXXX, I asked him how did his company obtain my information to furnish information on my credit report, he told me through XXXX. I asked him if the company verified that the alleged debt is valid against me and if they did verify where is the documentation. He then proceed to cut me off and say we can set up a payment plan. How can we set up a payment plan, when you can not let me know how you verified the information that XXXX sent you? This company is in violation of many FCRA acts. Listed below is the biggest act that I believe they are in violation of. 

18 U.S. Code 894- Collection of extensions of credit by extortionate means.

( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

IC SYSTEMS is in violation of this Act as they have not verified or validated the debt but are still attempting to collect. They are punishing me by reporting negative information on CRA reports which is negatively impacting my ability to obtain credit. 

I also NEVER consented for XXXX to give nonaffiliated third parties my information and I never received notice that XXXX was giving away my information. Unfortunately XXXX was in violation of the GLB Act. They failed to notify me a consumer about their information-sharing practices and failed to tell me of my consumer right to " opt-out '' if I don't want their information shared with certain nonaffiliated third parties. 

So even if this company IC SYSTEMS believes that they have followed all laws under FCRA rules, it is still in violation under the GLB Act.

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 2018-05-16
Company: EQUIFAX, INC.
State: SC
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 called Equifax onXX/XX/XXXX to dispute inquiries that I did not recognize on my credit report that they sent to me the week prior. They requested a police report and would not investigate the validity of these inquiries that are listed below : XXXX XXXX/XXXX   XXXX Did not authorize XXXX XXXX to pull my credit again on 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 XXXXk XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: MN
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 found that my credit report included a credit card and address that did not belong to me. A person in the state of New York with the same name and birthdate has this address and his bad credit is affecting mine and Ive been unable to clear it up with the original credit card holder, XXXX XXXX XXXX ( XXXX ) card in the amount of {$4900.00}. They also would not update my report to remove the New York address despite the fact that Ive never lived there or visited the state of New York. I have a pile of documents to prove that this is not me but all 3 credit agencies will not clearly tell me what to do to remove the credit card and address from my report. This is negatively affecting my credit and has for more than a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Delete Hard inquiries : XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXl, 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 2021-10-22
Company: Avadyne Health Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
requesting validation of debt. They reponded with medical records, a DIRECT violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPPAA form authorizing access to any such medical records.

15 usc 1692b ( 2 ) - unauthorized use of credit by a person other then a cardholder who does not have authority for such use and from which the cardholder receives no benefit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 received an email from XXXX XXXX XXXX XXXX. The email congratulated me for being approved for a credit card. The problem is, I never applied for a XXXX XXXX credit card. 

I called XXXX XXXX, explained the situation and they transferred me to their fraud department. After explaining the situation, they determined that someone had fraudulently opened an account in my name. They closed the account. 

Later in the day on XX/XX/2022, I received another email, indicating that my credit application has been approved and they were sending me a credit card w/in XXXX business days. 

I called XXXX XXXX again, concerned that this activity. After transferring to their fraud department, they determined that someone had submitted XXXX applications in my name. They assured me that both applications have been closed. 

This appears to have resolved the matter, because I have not received any additional emails. I wanted to report this because someone appears to be using my name, without my permission, to open credit accounts. I don't want my good credit ruined because of someone else 's fraudulent activity.

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 2022-05-26
Company: EQUIFAX, 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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand that the following accounts be verified or removed immediately : 1. This Account WAS NOT Authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
On XX/XX/XXXX, I applied for a mortgage forbearance due to a family illness causing financial hardship. I promptly contacted Amerisave before the next payment was due to explore assistance options. I submitted the necessary documents on XX/XX/XXXX and provided additional paperwork on XX/XX/XXXX. At that time, I was assured by two employees that no late charges would accrue during the pending forbearance, and it would take 30 days for a decision. 

However, Amerisave took more than 60 days to make a determination, and late fees were still assessed, despite the prior assurances. On XX/XX/XXXX, I received information about the forbearance, and I promptly sent the required amount via a XXXX-signed money order on XX/XX/XXXX. Amerisave received the payment on XX/XX/XXXX, signed by XXXX. When I requested written confirmation that I met their terms, Amerisave declined to provide it and denied my request to speak to a manager.

I am concerned because previous complaints against this mortgage company have revealed a pattern of not honoring verbal agreements and even leading to home foreclosures due to mishandled forbearance requests. Additionally, consumers have reported issues with late fees and negative credit reports due to inaccurate information provided by the mortgage company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2023-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
they withdrew XXXX from my savings account for " Legal Order, XXXX  XXXX '' without any explanation

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 2022-05-26
Company: Social Finance, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account with Sofi bank around XX/XX/21 and received {$20.00} bonus. I also applied and received a credit card from Sofi. Just recently Sofi closed my checking account and did not return funds that were still in my account, to my knowledge, for no apparent reason. Sofi bank stated I opted to close my account which is false. I contacted them and left messages to resolve the issue but i have not received a call back from any of the Sofi managers regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this company has wrongfully damage my credit. i have attempted to have them remove this report because it was opened by my ex wife. they have failed to submit to me, in a requested timely manner, proof that this account is mine therefore violating federal law and committing fraud. i am prepared legally to fight this and will take any and all actions against this company. they are smart enough to know that they can not just enter things on a credit report because they feel it is my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: Minto Financial dba Minto Money
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I recently received whats considered a payday loan from MINTO Money of about {$2500.00}. I spoke with someone from the XXXX XXXX XXXX XXXX about the loan because they are charging me over 500 % interest and by the end of the loan I will end up paying over $ XXXX. I was in dire need of the money and they were my only option. The guy I spoke to from XXXX told me they are not even licensed in the state. From what I can tell, it is also illegal to charge over 337 % for a payday loan in Iowa. What are my options? I have no problem paying the principal balance of what I borrowed but I can not afford over {$500.00} every 2 weeks and I want to figure something out before they send it to collections. I have sent a couple of emails to them with no avail.

Company response to consumer: Closed with explanation