BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-10
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been trying to deal with them for ten years now, I got these loans because I was told they were just like any other student loan, but these loans you could pay on while in school so you didnt owe so much in the long run. That was entirely false. They will not combine my loans into a single loan, they will not remove my co-signers from the loan, which I was told would happen when I was out of school. They will not allow me to repay based on my income, no other companies will touch these loans. They call me an average of ten times a day sometimes leaving messages sometimes not and they call me from multiple numbers, I only find out who it is after they eventually leave a voicemail. They call relatives and places Ive been and worked asking for me and payments and that I owe money. They harass my family and me endlessly with these calls. I have tried multiple different ways to resolve my loans to make it where I can make payments and afford payments, but they deny every attempt I make. They are asking for 3/4 of my monthly income, and I have an ill wife and child to care for a car payment so I can get to my job to pay on any loans, and a house to pay, and that doesnt include all the other basic things that require money to have like food. Every step of the way this company has lied to me and deceived me I found out for awhile I was making payments and a family member was making payments yet it was never shown that multiple payments were being made. Dealing with this company has been a nightmare and I would never recommend using them for student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2021-04-16
Company: Sequium Asset Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted via mail by Sequium Asset Solution, LLC in XX/XX/XXXX. Their letter was dated XX/XX/XXXX about an outstanding balance with XXXX of {$400.00}. Which includes {$200.00} for the final bill and {$200.00} for the equipment charge totaling {$400.00}. 

I paid the balance of {$200.00} on XX/XX/XXXX through XXXX ( XXXX  ) website and called Sequium Asset Solutions stating that I paid the final balance of the bill that XXXX sent to me dated XX/XX/XXXX. On that bill from XX/XX/XXXX that XXXX sent me, it was noted that the {$200.00} charge was credited because I had returned the equipment back to them which is also noted on the XX/XX/XXXX bill that I returned the equipment in-store to XXXX on XX/XX/XXXX. The gentlemen that I spoke to noted my account and stated they would contact XXXX and dispute the charge with them. After receiving no response of the dispute or an account update I sent them a debt validation letter and they did not response to it. Instead they listed the account on my credit reports for a balance of {$200.00} still due. I have verified with XXXX over the phone during the month of XXXX, as well as most recently XX/XX/XXXX in-person at the XXXX- XXXX store and over the phone to make sure that I owe XXXX no further debts on my previous account. I have disputed with the credit bureaus and showed proof that XXXX has received both final payment and the equipment back. There is no further amounts or equipment that I owe. 

When I noticed the Collection account on my credit report on XX/XX/XXXX I contacted Sequium and even though I provided proof via mail and online they refuse to acknowledge that I returned the equipment and even wanted me to pay the {$200.00}. They specifically mention it is for the equipment and they ignore any proof coming from XXXX which is the Final bill dated XX/XX/XXXX which is clear as day stating that there is a credit of {$200.00} and a new balance of {$200.00} ( which I mentioned I had already paid ). They also choose to ignore the receipt of return which even provides the serial numbers of the equipment I returned. 

XXXX has stated multiple times that I do not owe any debts with them and they have received final payment and equipment. They have stated they do not know why the Collection Agency continues to try and collect the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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 had bought a refrigerator from XXXX at their store located on the island of XXXX XXXX XXXX XXXX. The refrigerator didnt work too well so I returned it. The cashier whom I was referred to told me that I would see a XXXX balance on my XXXX card on the next billing statement and not to worry about it. I was very surprised to see the account charged off and reporting on all 3 credit bureaus as derogatory and charged off. I have contested this problem with the XXXX and tell them that the information is wrong and that i5s not mine. I returned the appliance and XXXX didnt do what they were supposed to do so this problem is not my fault and should be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was not taken out by me and I did not receive funding. During that time I was sick, suffering from XXXX XXXX XXXX XXXX. I was on XXXX XXXX XXXX XXXX XXXX. When I realized that loan payments were being deducted from my account, I contacted the company with the phone number listed. i did not receive any communication with regards to a court date. The only corresponding I received is an court order signed by a XXXX, saying that I am responsible for the payments. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a New Conventional Home Loan Mortgage Originated & closed XX/XX/XXXX. 
First payment due XX/XX/XXXX. {$600.00} Paid on XX/XX/XXXX. 
Second payment due XX/XX/XXXX. {$600.00} Paid on XX/XX/XXXX. 
Insurance premium {$680.00} due XX/XX/XXXX, Insurance Company sent bill, but Bank Escrow Account didn't disburse payment until XX/XX/XXXX. It would have been late, but it has never arrived at the insurance company as of XX/XX/XXXX. I have received a NOTICE OF CANCELLATION FOR NON-PAYMENT OF INSURANCE PREMIUM on XX/XX/XXXX saying the cancellation will be effective XX/XX/XXXX if payment is not received. I called the bank and was on hold and tossed around to a couple of different people who would not/could not answer my questions. First, I wanted to know if the check they disbursed has cleared the bank for payment. Neither of the individuals I spoke with could/would tell me that. They said that inquiry has to go through their research department and that could take 5 to 10 business days. My homeowners insurance is going to be cancelled in 10 business days. There is NO time for that research department to conduct such a time-consuming inquiry. 
I have already received an Annual Escrow Account Statement on a loan that was originated two months ago. I don't think that is acceptable. The loan needs to be in place at least a year before I receive a statement of account. This analysis has already changed by loan payment and showing a shortage in escrow. 
Where is the money that the bank disbursed for my homeowners insurance premium? 
Why aren't they expediting a check to my insurance agent overnight? 
Why can't they tell me if the check has cleared the bank? 
Why is the money already OUT of my escrow account if it hasn't cleared the bank? 
I spent 50 minutes on a phone call to the bank and got absolutely no answers. 
This happened because the financial institution didn't update the payment mailing address to the homeowner 's insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased a product originally advertised by PayPal credit, I ordered the product from a company called XXXX https : XXXX  When I received the product I realized they sent me an XXXX version of the product and was not functional for my American home, it was an expression machine with an XXXX type of electric plug. I quickly informed XXXX about the issue and they sent me a return label. I sent the product back, they acknowledged the return but I never got a refund. I contacted both XXXX and PayPal credit several times explaining myself about the situation. XXXX  say they accepted my return but PayPal credit hasnt cleared the charge from my account, this was almost a year ago and they keep calling me and have now billed me multiple times and have caused me to incur interests that have hurt my credit. I keep telling them I returned the product but they dont accept it. Anything I can do?

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 2021-11-15
Company: Consumer Financial Services
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The Lienholder is having the dealership illegal hold my license plates for non payment. Im off a month for my car note and my temp plates have expired. I was told by the finance company that they wouldnt give me my license plates until I pay. I have complaints with the Attorney General and The Secretary Of State. Also the they havent properly registered the car and I was charged for title and registration fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Aspen Yo LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to end my COVID-19 Forbearance and have my missed payments deferred and loan brought current since XX/XX/XXXX. First with the previous servicer and now with my current servicer as the account was service transferred XXXX XXXX. I called Gregory funding numerous times to get the status and to confirm I am seeking the end of the program and need the deferral completed. Turns out they had me waiting for months in a back log to reapply for a new Forbearance when I could not have been more clear in all my calls. I finally speak to XXXX in their loss mitigation department who confirms they were waiting on a questionnaire from me to submit for forbearance. I explain again I am not waiting for a new or extension to be done. He says he will submit that now but will take 2 months. I asked for this to be expedited due to their error in having me already wait several months for the wrong thing. This needs to be completed now. Also, after being told I was in protection for all this time I am now being charged late fees for XX/XX/XXXX and XX/XX/XXXX. I am suffering financial impact due to this events and demand satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: TX
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:
ALL OF THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE AND FRAUDULENTLY BY VIOLATING MY RIGHTS IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT.

THEY HAVE ALL VIOLATED MY RIGHTS INQUIRER NAME AND DATE 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 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
After reviewing the case for Wells Fargo I have been a victim to the issues as far as closing my account, overdraft fee miscalculations and also fraud someone kept using my card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, 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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to This is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently went to check out a new car at XXXX XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX. Inquiries : 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 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sent in disputes to 3 credit bureaus on XX/XX/2020 due to a medical company breaking HIPAA which states " national standards to protect individuals ' medical records and other personal health information and applies to health plans, health care clearinghouses, and those health care providers that conduct certain health care transactions electronically ''. It has also, come to my attention that the credit bureaus have taken longer than 30 days to respond to my disputes. I demand that these accounts be deemed 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 explanation
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: PA
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 am a victim of identity theft and I don't recognize this account on my credit report. Please remove and update all accurate information.

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 2022-10-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
chase bank new customer {$220.00} bonus offer opened in XX/XX/XXXX with XXXX XXXX XXXX of {$790.00} paid {$19.00} for checking account to start.XXXX XXXX, private client banker @ XXXX ( XXXX ) XXXX XXXX XXXX XXXX and handled switch with XXXX in XXXX presence from XXXX XXXX XX/XX/XXXX, called XXXX XXXX, and found Chase never XXXX it ; XXXX then made the change.Spoke to XXXX A. XXXX XXXX after to help get the {$220.00}, to no avail.Spoke to XXXX XXXX XXXX XXXX XXXX @ Chase Branch Complaint Escalations to no avail, and phone tag with XXXX XXXX XXXX ( XXXX ) XXXX, responded in XXXX to my letter sent to Chase CorporateXXXX XXXX XXXX XXXX stated 90 days had passed, and out of luck getting the {$220.00} for said reason. The coupon code is XXXX on the offer $ XXXX was another offer mailed in XXXX XXXX, exactly the same available too when sitting down with XXXX XXXX if to start over and get the bonus handled a different way, to no avail.XXXX A said he texted inquiries twice to Chase Corporate to resolve the matter, during my banking visits many times.My family has dealt with Chase, as I have for many years, and just want my {$220.00} bonus, credited to my account for closure as soon as possible.Thank You In XXXX of XXXX XXXX {$790.00} was finally in place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently obtained a copy of my credit report and found the item to be in error. I want to dispute the following inaccurate information that appears on my XXXX Annual credit report. The error which prompted this credit report dispute includes late payments on XXXX, XXXX, XXXX, SYNCB/JC PENNEYS. I am kindly requesting SYNCB/JC PENNEYS to remove this late payments from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2023-11-19
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, I initiated a wire transfer from my checking account at Citibank to an account at Bank XXXX XXXX XXXX {$110000.00}, which was deducted from my account on that day. 
Neither Citibank nor anyone else informed me that the wire was not posted by the recipient bank. I had no indication of any problem until the recipient informed me on XX/XX/XXXX that Bank XXXX informed the recipient that the bank had rejected the wire. Ultimately, Bank XXXX provided a document claiming to have returned the payment on XX/XX/2023. That did not happen. 

I called Citibank XXXX XXXX on XX/XX/2023 to inquire as to why I had not received the {$110000.00} back in my account, and was informed by XXXX XXXX that Citibank had never received notice of the rejection of the wire, which should have been received. As a result, I initiated a recall of the wire in XX/XX/2023, which I was told by Citibank was my only option. 

On XX/XX/2023 my account was credited with {$110000.00}, representing funds returned by Bank XXXX at that time. However, the returned funds is short by {$4400.00} from the amount deducted from my account for the wire. The explanation given for the shortfall is the change in the exchange rate between XX/XX/XXXX and XX/XX/XXXX. This delay never should have occurred. The wire should have cleared or been immediately rejected. Bank XXXX claims it rejecyed it promptly, at which point Citibank should have demanded the money. Had it done so, I would have received roughly the full {$110000.00} in my account. 

I opened several cases with Citibank, none of which were given any real attention.

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