BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-22
Company: Tribal Lending Enterprise, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}. 
Although I am not legally required to do so, I am willing to repay the principal balance of this loan. 

To date, I received a deposit of {$900.00}, and have had XXXX bi-weekly withdrawals of between {$310.00} and {$230.00} debited from my account. This results in a principal balance of {$1900.00}. This results in an overpayment of {$1000.00}. 

At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$1000.00} overpayment. A refund check of {$1000.00} should be mailed to me at the address you have on file. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Floridas Attorney General 's Office. 

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, 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 2020-12-25
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Financial hardships caused me to fall back on payments. I was told to keep in touch with the company Santander and send what I could. I did all of the suggested. My car was still repossessed and I owed on the car after it was sold. This made me feel like all of my sending out my last to keep the car and catch up on payments were null in void.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA
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 have several delinquent accounts being reported on my credit report. I have full XXXX coverage, I don't even recall going to the doctor as much. I notified XXXX, XXXX, and XXXX, all XXXX insurers told me that no bills were ever submitted. I never received any bills either. If I were my insurance company would have paid them in full. If you look at one agency they removed a dispute I filled out, but left the rest. I want all negative accounts removed immediately. They can contact my insurance company as I did, and find out that I owe nothing. 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 2021-10-18
Company: Navient Solutions, LLC.
State: CA
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:
Hello, Beginning back in 2009 I received student and parent plus loans for my XXXX children to attend college. I was told the loans could be consolidated into one low monthly payment eventually and was encouraged to take out more money each year to cover cost of tuition and housing. The loans were then consolidated into one loan with a servicer called Navient. The total amount due at the time was about {$60000.00} dollars. I was told the payment was going to be well over {$600.00} dollars a month. I explained that was not something I could afford with all of my other monthly bills and asked if I could pay half that amount each month. I was told that if I paid less than the monthly amount that they set Up of {$600.00} I would go into default and they could have my wages garnished. I had no choice to defer my loans and then they charged me each year {$4000.00} for deferment cost. I would call back often to try to come up with a reasonable payment and get myself on top of this with no avail. When my loans finally got transferred to the department of education I hired an independent company to get me a reasonable payment and sign me up for the PSFL program that was available. I began making reasonable payments and then Covid hit and I was unable to pay but the loans were not due at this time. I feel Navient was unreasonable and defrauded me and now my loan has grown to over {$130000.00}. I have been a public service worker for over 25 years and if I had been able to pay the reasonable monthly payments all of my loan would have been paid off by now. I am asking that Navient clear all of the remaining balance of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX my automatic payment to Target Red Card was returned by my financial institution. I immediately called Target to ask if they would represent the item for payment, which they stated that would not, so I processed an additional payment ( in full ) the same week. This payment took my balance to {$0.00}. 

I requested a one time fee waiver of the returned payment fee {$29.00} and Interest Charge of {$8.00} both assessed on XX/XX/2020. This request has been declined twice. I have maintained a Credit Card in good standing with Target for 5 years with no late fee 's or returned payments, with the exception of this one item. I've never heard of a financial institution not reversing any fee 's at all. In addition, I'm not sure how I can be assessed interest as my payment was not past the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX CO XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX Balance : {$3500.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-03
Company: D2 Management LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have received several calls lately from 2 debt collection agencies in reference to the same account. Both of these companies have called several times and threatened to sue me and garnish wages, etc. I've asked them both to please stop calling and harassing me. I've asked them to submit any and all information to my mailing address. I've also informed them that I do not know of the debt nor am I responsible for the debt. The 2 companies are D2 Management LLC & XXXX XXXX XXXX 
D2 management have mailed me a letter and the letter was mailed and received after the respond date that the company provided. I am attaching a copy of the letter as well as a copy of the dated stamp envelope that the letter was mailed in. 
As for XXXX, their representative continues to call several times a day and threatens me, but refuses to mail or email me anything in reference to this bill. 
Neither company has provided any proof that they have proving that this bill is mine. I've asked several times, but hasn't received anything but threats and harassment. XXXX refuses to provide me with an a physical address or location of their company. The only thing I have of XXXX is a phone number of XXXX, they've called from several phone numbers on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX we ordered cbd dummies for {$49.00}. They sent us four bottles for {$110.00}. We returned all bottles unopened within 30 day allotment time. We filed complaint with Capital one they removed charges. We sent them proof of return to their link. Then they re-charged us saying we had exceeded 60 day reply. the items were returned on. the XXXX of XXXX We want the charges removed from our account. WE also talked to the vendor and they told us once there was a dispute they closed our account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: TN
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:
I have a Credit card with XXXX which is an open end credit plan. XXXX is sharing my private property with outside third parties credit agencies with my authorization and consent. Which is against the Privacy Act & a violation of the Fair Credit Reporting Act. 
Title 15 U.S. Code 1681a ( d ) ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not includeB ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. According to the Fair Credit Reporting Act This Extension of credit shouldnt be reporting to any credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: NY
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:
I am writing to bring to your attention a matter regarding inaccurate information on my Experian credit report. On XXXX XXXX XXXX, I contacted Experian to dispute the following discrepancies, but as of the current date, I have not received a response from them. I am seeking your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 

Incorrect Information : The following account was never late : Creditor : XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Incorrect Information : The following account was never late : Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$990.00} Incorrect Information : The following account was never late : Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} Incorrect Information : The following account was never late : Creditor : XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$210.00} Not My Account : The following account is not mine : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Original Creditor : 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 2020-12-28
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: NY
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-17
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: HCFS Healthcare Financial Services of TeamHealth
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:
On XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX has reported on my account, collection agency ARS added a derogatory remark on my credit report per XXXX XXXX  and XXXX. Upon, further research, this account was transferred/sold and I was not provided with any documentation of proof that I am responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ARS has violated my rights as a consumer and I'm requesting legal action to remove this account 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 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have a Credit card with XXXX which is an open end credit plan. XXXX is sharing my private property with outside third parties credit agencies with my authorization and consent. Which is against the Privacy Act & a violation of the Fair Credit Reporting Act. 
Title 15 U.S. Code 1681a ( d ) ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not includeB ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. According to the Fair Credit Reporting Act This Extension of credit shouldnt be reporting to any credit agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Williams, Rush & Associates, LLC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent certified letter with prove of delivery to the company to request the debt validation and to stop contact me .The company did not response to my request of the debt validation letter and the company also keeps call me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX 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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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 has reasonable cause to believe that the information is inaccurate.

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