BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: LDF Holdings, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan for {$1500.00}. I agreed to 4 monthly payments of {$600.00} in order to protect my credit score as I was getting behind. I have paid {$1800.00} so far for the third month. I called them to check the last payment date I was told I would have to pay another 9 months of {$600.00} if I didnt make the pay off amount. I asked 2 weeks ago what the pay off amount would be I was told approximately {$1200.00} mind you Ive already paid {$1800.00}. I called again approximately 1 week ago the payoff amount would now be around {$1800.00}. I couldnt do that so they will take out another {$600.00} on the XXXX plus I would owe another {$800.00} starting the XXXX which would keep going up daily. I called them to complain and they said that I obviously didnt read the agreement. That would be correct I read some but not all. I went back and found a page showing that they charge % XXXX. I was stupid for not reading all the information however I didnt know that anyone could even charge that astronomical amount. I am very upset about this I dont have much money I am on XXXX  for a XXXX  XXXX and that is a low amount of money to receive. I want everyone to know about these people. I found out they are on a reservation. I thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Called For A Reconveyance statements and tax statements, Phone calls go Nowhere they say no account in system? 
Prior Phone Number goes from OCWEN to PHH Mortgage. 
When I call for reconveyance Department they say it no longer accepts calls? 
Goes back into regular phone system. 
No Customer service or account availability to resolve issues

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Resurgent Capital Services L.P.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Evening if XXXX, called stating I want proof they own a debt beyond a statement. Was told I could not receive that. 

I was asked if I would be okay with communication via text or phone call. I stated Absolutely not. 

XXXX received text with Welcome! You'll receive msgs from Resurgent Debt Collector. 
msgs varies by acct/pref Msg & DataRatesMayApply STOP to optout HELP for info. 
XXXX & XXXX 's : XXXX XXXX received text with Resurgent Debt Collector : We need to speak to you regarding your account. Log in at XXXX or call XXXX. To optout reply STOP Company is resurgent capital or lvnv funding

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Cashcentral is trying to collect for a payday loan ( s ) from XX/XX/XXXX acct numbers XXXX  and XXXX. I have had the same phone number since XX/XX/XXXX. Instead of calling me they had another company call my brother in NY, 2500 miles away. My brother is almost XXXX years old and lives with my XXXX  year old mother. The only reason to call my family and not me is to harass them to intimidate me. When I call the bill collecter at XXXX the collector refuses to give me the name of the company, the address or a real phone number. They gave me an address as a XXXX XXXX in XXXX  CA. The address is a sham. I dont know the name of this company to even file a complaint. On my last call to them I spoke to the manager XXXX who said that based on the nature of there business they can not give me there address.

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 2018-05-23
Company: SECURITY FINANCE CORP
State: AL
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:
C/o Security Finance XXXX XXXX XXXX, SC XXXX Good morning, On XX/XX/2018, I paid my account completely off with security finance. I was told by many representatives that negative status would be removed from my account and it would show " Paid as agreed ''. I have called and complained numerous times and nothing has changed. As of today my account is showing closed, account status is still showing I'm 90days pass due on the account which is affecting my credit. Previously my credit score was over 700 until I ran into a financial hardship, my husband was in an accident and my income was the only resource in the household at the time. Once my husband returned to work, I started working on my accounts and paying the balance off. all of my account is showing paid and payment status is showing current because the balance was paid off.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.

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 2022-05-29
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, number of months not correct, payment status is innacurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Navient Solutions, LLC.
State: MA
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 struggling to make my payments and Navient made it difficult to access certain programs to restructure my repayment. For over 5 years Navient 's customer service has steered me toward multiple forbearances instead of income-driven repayment plans. I was put in forbearance plan and paid over {$500.00} dollars every month, giving Navient over 30.000.00 for free over that 5 years spent, while interests piles up. I was left with over 80.000.00 in debt. Now I am forced to pay {$1000.00} each month. 

It's not right for Navient to mess up my life like so, I am tired of Navient fraudulent practices and would to be placed in the class action lawsuits against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Diversified Adjustment Service, Inc.
State: DC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Div Adj Serv is a collection agency that is trying to collect a debt to which they are not the original account holder and I have been receiving collection calls before and after business hours. Ive also been told by several representatives that this debt will be placed on my consumer reports for XXXX XXXX XXXX XXXX. Please remove this collection item from all three reporting credit bureaus XXXX XXXX XXXX XXXX as this is in violation and misuse of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only correct date of birth is : XX/XX/1993 I do not wish to have any telephone number on my report. Below are the negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX {$160.00}. XXXX XXXX XXXX {$520.00}. XXXX XXXX XXXX {$500.00}. XXXX XXXX XXXX XXXX {$780.00}. XXXX XXXX XXXX {$2300.00}. XXXX XXXX XXXX XXXX {$0.00}. XXXX XXXX XXXX XXXX {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-06-01
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: Account information incorrect

Complaint:
I called XXXX XXXX XXXX and they said the loan amounts are correct but when you look at the XXXX, XXXX and Transunion website the totals are incorrect and not updated to reflect the amount of debt we have paid off. Thus we were forced into a loan percentage rate that was higher. Which will end up costing my family thousands to the creditor.

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 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, number of months not correct, payment status is innacurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; 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 2022-05-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX account balance is not being reported.

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 2018-05-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
My elderly father and I joint leased a XXXX XXXX XXXX for my XXXX XXXX XXXX daughter from XXXX XXXX in XX/XX/XXXX. It was a three year Lease and I elected for the extra 25,000 miles a year option. There was never a late or missed payment on the account for the entire duration of the lease term. The lease was up in XX/XX/XXXX in which I called XXXX XXXX  and requested a three month Extension on the lease. I was granted the extension I signed the agreement that was sent to me and returned it immediately at that time XXXX XXXX was not automatically drafting the payments as it had for the past three years therefore I set up where my bank would automatically send the payment to Nissan out of my account in which the payments were drawn out of my account and sent to XXXX XXXX. On XX/XX/XXXX ( I had until XX/XX/XXXX per XXXX XXXX ) I elected to want to return the lease vehicle to lease a newer vehicle with Nissan. I had set up two appointments with the company that they contract with to have the vehicle inspected in which twice the inspector did not show at the scheduled time in which I Had to take time off from my employment in order to accommodate them. On XX/XX/XXXX my father received a call from XXXX and saying that he is a private investigator looking for the central because there has been no payment on the vehicle and I needed to leave it somewhere with the keys in it because it was being repossessed or there was going to be legal action taken against him I immediately called the number that was given to my father and I did is the man said that he was to come and get the car and that I was not to make any payments to XXXX XXXX I merely called XXXX XXXX they informed me that there was no payment received for the past four months on the vehicle which was untrue per bank statements that are attached and now they have put a collection on to both of my credit and my fathers credit they are demanding {$9000.00} in order to settle the account I do not have possession of the car and this was an agreement and payments were made with XXXX XXXX they have now ruined both my elderly father is impeccable credit score and have jeopardized my ability to apply for summer college courses. I have faxed over copies of my bank statements to several different people I am put on hold I am hung up and they have promised me that it would be handled by the end of each business day and this is affected both my credit and cause me extreme anxiety and emotional distress

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An account appeared on my consumer report name Debt recovery Solution and this is not my debt they are collecting on behalf of APP XXXX. I have never been to this hospital nor have I had medical treatment in well over 3 years and I have XXXX XXXX. I am a victim of identity theft in the pass and I have notified the XXXX major consumer reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time that I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. 
XXXX XXXX XXXX XXXX XX/XX/2022 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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
After reviewing my credit report I noticed numerous names and address that don't belong to me and after trying to correct this issue the credit bureaus haven't resolved this complaint.

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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX In accordance with the fair credit reporting XXXX XXXXXXXX account # XXXX has violated my rights 15 u.s.c 1681 section 602 a states i have the right to privacy 15 u.s .c 1681 section 604 a section 2 : it also states that a consumer reporting agency can not furmish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been making payment on a student loan that I have with Navient starting XX/XX/2012 - active /still paying {$270.00}, which was set up by their loan advocacy representative, after talking to several representatives none of them never told me that the payment was going toward interest on the loan which the loan is {$39000.00} and that it a temporary low payment, now I have reach my limit on how many times they would lower the payment, which is going to make the payment now {$440.00}. I am XXXX years old retired I have tried working several jobs part time 20 hours a week, but due to standing and sitting issue I have with body, make its very difficult and painful for me, because I have a XXXX injury and XXXX in both feet, knee and hand, the only income I have is social security retirement in the amount of XXXX a month, they send me a form to completed by doctor saying I am XXXX, my doctor refuse to complete the form because they didnt take me off work and I am not receiving XXXX benefits. I did talking to a advocacy and tried to get them to lower the payment or let it stay at {$270.00} and I also explain that I was trying to get out of paying back the loan, but they refuse lower or keep the payment at {$270.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX has called me for a debt that i owe to XXXX XXXX XXXX XXXX. In the amount of XXXX and had threatened to garnish my wages for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
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: Reporting company used your report improperly

Complaint:
The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, number of months not correct, payment status is innacurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: CASH AMERICA INTERNATIONAL, INC.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Received a call from someone who said he was an attorney and was filing grand larceny charges if I did not pay balance in full today. Tried contacting CashLand directly but have been unsuccessful.

Company response to consumer: Closed with explanation