BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-27
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello, My loans are currently with XXXX XXXX. In XX/XX/2018 I applied for loan discharge due to a school closure. After submitting my application for this I received a letter ( see attached ) dated XX/XX/2018 stating that I meet the criteria for discharge of my loans and that my request has been forwarded to the U.S. Department of Educations Office and that I would be contacted regarding their decision. 

I proceeded to wait the entire summer without an update regarding this. During this time, I spent countless amounts of time on the phone with various departments with the Department of Education who maintained that XXXX XXXX would make the decision regarding discharge of my loans. Also, during this time, I contacted XXXX XXXX on multiple occasions with this information and they maintained that a decision would need to be made by the Department of Education and to be patient. During this time my loans were in administration forbearance. 

On approximately XX/XX/XXXX I again contact XXXX XXXX by phone. On this date I was informed by the representative that in fact a partial amount of my loans had been approved for discharge. The total amount of discharge was approximately {$8000.00} ( {$5000.00} on one loan and {$3000.00} on another ). Essentially the difference between the original amount and the current principal balance. I maintained this was not correct but she was only stating the difference between the original loan amount and the current principal balance. The representative could not explain this to me but instead only stated a special letter would be sent to be explaining everything and where this discharge amount of approximately {$8000.00} was applied. To date I have yet to receive this special letter. I am asking for assistance regarding this matter. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CarMax, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Good evening/morning to the human being reading this. I hope you are having a Great day and I pray you have many more. I will do my best to make this explanation as short and defined as possible. I started having trouble keeping up with my payments XXXX XXXX. I was running a XXXX XXXX business during the time and when fuel prices started to rise everything for me went south. I did communicate with CarMax Auto Finance and told them about my struggles and explained I would make payments as soon as I could. They seemed to be understanding at the time. My business finally failed in XX/XX/XXXX. During this period of time, I started to learn about my rights as a Consumer. I started reading and researching the United States Code. In XXXX of XXXX I sent CarMax Auto Finance a Negotiable instrument/ Tender of Payment, which would have brought my account current. In XXXX of XXXX I received my next statement and my account had not been updated. So, for the billing cycle of XX/XX/XXXX, I sent CarMax Auto Finance another Negotiable Instrument/ Tender of Payment for the balance on the account then. I also started to write a XXXX  XXXX to define the laws and statutes that they were breaking. Unfortunately, I did not finish it in time. They repossessed my vehicle, after I had talked with them two days before. I have attached a copy of all the documentation I sent to CarMax Auto Finance. I do Apologize for not being able to show the back of the Negotiable Instruments where I signed with my beneficiary signature XXXX XXXX XXXX, XXXX, without prejudice, UCC 1-308 , I was upset, hurt and rushing trying to make copies and send the XXXX XXXX in the Mail. 

Thank You for your assistance. 
XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Freedom Mortgage Company
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Our mortgage was transferred from Freedom Mortgage to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I noticed a payment still went out to Freedom Mortgage for the amount of our monthly payment as I forgot to cancel the old recurring payment. I immediately contacted my bank who stated it was too late to stop the payment. I then tried to call Freedom, but was given the runaround with the automatic system and could not reach a person, as the system kept saying I no longer had an active account associated with my phone number. So I submitted a secure message and they responded asking for proof of transaction. I sent them this and they initially said they have no record of the payment. I pushed back and they stated they needed " further research and would respond by XXXX. ". I responded with proof of the transaction again, and they are now stating XX/XX/XXXX for even a response. This is unacceptable as I have documented proof of the transaction and they have just shy of {$2000.00} of our money that they are not giving back. Freedom has been an absolute nightmare to work with, they have already hurt my credit score b/c I never received the escrow notice that the payment went up, and I was still paying the old amount. Supposedly they called, but never left a single voicemail. Just marked a missed payment and tanked my score, even though I was still paying the old amount. 

All that to say... please help us get our money back. Freedom Mortgage has deplorable customer service and we never want to do business with them again. We will make sure no one else we know does either. 

I have attached a statement from my bank with the transaction highlighted on XXXX to Freedom Mortgage. You can see there was also a payment made to our new servicer for the same amount.

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 2023-07-27
Company: EQUIFAX, INC.
State: FL
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My account continues to stay in the negative. I deposited money into my account over a year ago and some was taken out for a past account without my knowledge

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 2021-04-19
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:
Im a victim of identity theft! I sent in a police to XXXX  and XXXX!! Explaining this! The account from XXXX XXXX XXXX does not belong to me. 
XXXX XXXX XXXX XXXX does not belong to me!! I live in a dorm room with a college Scholarship

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 2023-08-25
Company: Exeter Finance Corp.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Exeter finance is my auto loan company, they have XXXX, XXXX and XXXX marked at XXXX days late. However, I have made proper arrangements with them to defer payments to the end of my loan as well as made payments to keep my loan in good standing. I sent a letter of validation to them in which they did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I got a loan with TD Bank and I couldn't afford the loan because I got laid off due to Covid and I XXXX and I have a XXXX and I'm on Social Security XXXX now and I can't afford the payments anymore and so they're threatening to sue me a XXXX and I have a learning XXXX and I'm trying to get more lines of credit but I'm on Social Security and I have a fixed income but I need help getting this off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX NEW XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-04-30
Company: EQUIFAX, INC.
State: TX
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 Sent all the proper docs to XXXX and XXXX and they still have not remove the accounts XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have call multiple times for the past two months to get this handle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 intrested in disputing all unauthorized information on my credit report with TransUnion. alot of data is invalid please update the requested information to help clear my file.

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 2019-07-09
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
First Citizens Bank did a construction loan in XX/XX/XXXX for XXXX and XXXX XXXX. I did the grading for their new home which was completed in XX/XX/XXXX. I filed a lien with the XXXX County Clerk of Superior Court on XX/XX/XXXX. 

XXXX XXXX, Manager at First Citizens Bank ( XXXX, NC branch ) managed to facilitate closing this loan with the lien attached that has not been satisfied. XXXX, XXXX and XXXX had knowledge of the lien prior to closing the loan. 

I was told by a loan officer at First Citizens in XXXX, NC that a loan could not be closed with an outstanding lien. So, why have I not been paid? 

I suspect that XXXX XXXX ( homeowner ) has committed the fraudulent, felony act of forging my signature on a XXXX XXXX and XXXX XXXX ( banker ) has made attempts to conceal it. He has even asked a former co-worker to sign a non-disclosure agreement when she resigned from First Citizens Bank. 

It should be noted, the general contractor also filed a lien and perfected it with a lawsuit which is pending in XXXX County Civil Superior Court. I consulted an attorney about perfecting my lien with a lawsuit, but I could not afford to proceed with civil action. 

Regardless of what has taken place, I just want to be paid for the work that I did for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: Tower Loan of Mississippi, Inc.
State: IL
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:
For the last couple of months dating back to at least XX/XX/2023 I have been getting REPEATED phone calls for a woman who does not live in my household. The man is extremely rude, has yelled at my wife and calls constantly. I have told him countless times that the woman he is looking for is not at this number and to STOP calling me. He still keeps continuing to call and harass me about this woman. I have never used this company or requested any information from them and no one in my home has either. The most recent phone call was today XX/XX/2023 at XXXX where my wife got on the phone with him to tell him that we would get our attorney involved if he kept calling us. He then proceeded to yell at my wife telling us that we should just keep blocking his phone number then. We looked up the phone number and it belongs to a company called Tower Loans located in XXXX, IL.

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 2023-08-25
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Purchase and sign for a XXXX XXXX XXXX  XXXX on XX/XX/XXXX with XXXX XXXX XXXX XXXX and Westlake financial. XXXX weeks later I was told by Dealership that my contract fell through because I couldn't be verified. I was already verified with fiance company on XX/XX/XXXX. Dealership stated that I need to find someone else to fiance after he ran my credit through another company. I eventually found a company to fiance but the price went from XXXX to XXXX. I refuse to fiance XXXX because the price advertised was XXXX. In the process the truck broke down and I paid for repairs and I told company this. On the XX/XX/XXXX Dealership stated I need to bring truck in until things are resolved. I ask about down payment he stated that fiance company has money and that they will refund the payment. I need help nothing makes since about this deal

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 2018-08-18
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I filed the complaint about Huntington Bank ( XXXX bank ) in XXXX PA at XXXX XXXX XXXX about then STEALING my CD my be reference under XXXX XXXX Well about the same time I got a bill for my safe deposit box. After the thief of money I vow never to go in that bank again. 
To start with I used the bank at XXXX XXXX XXXX and they did not even have a safe. You had to go several miles to get to theirs ( XXXX and XXXX I refuse to do any business with that bank. Well I got a nasty letter since I would not pay for the box they were going to drill it ... 
Well the proper why to done it is to send any and everything in the box to me in my name or my brothers. they had the address etc. I had the deed to the house plus title to the car plus a ring plus my brother FCC license plus other smaller items. 
If they could not find us ( we only lived in this house for 70 years ( my family ) per PA laws they are to turn all I repeat ALL items removed from a Safe Deposit Box over to the PA Treasury. who has the unclaim property section. 
Well I followed that site checking several times and nothing was ever turn over to them. They keep items active on the computer for 10 years, and inactive after that ... 
Clearly this bank had no right to just toss my personal effects. 
I want money for this. 
THIS BANK IS KNOWN AS THE WORST ONE IN THE CITY. I HAVE ONLY HEARD COMPLAINTS AGAINST THEM. 
YOU NEVER SEE ANY CUSTROMERS IN THEIR PARKING LOTS XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Background : - Checks for loan payoff were mailed on XX/XX/2023 - As of XX/XX/2023, Nelnet is not showing any and/or all payments- Confirmed with Title Company that funds were taken out on XX/XX/2023- This is for myself and my wife Check Numbers and the Amounts : Check XXXX U.S. Department of Education {$4400.00} Check XXXX U.S. Department of Education {$5600.00} Check XXXX U.S. Department of Education {$8900.00} Check XXXX U.S. Department of Education {$870.00} Check XXXX U.S. Department of Education {$1300.00} Check XXXX U.S. Department of Education {$1300.00} Check XXXX U.S. Department of Education {$1700.00} Check XXXX U.S. Department of Education {$2800.00} Check XXXX U.S. Department of Education {$3600.00} Check XXXX U.S. Department of Education {$3700.00} Check XXXX U.S. Department of Education {$3900.00} Check XXXX U.S. Department of Education {$4400.00} Order of Events : XX/XX/2023 : - XXXX - XXXX ID : XXXX on XX/XX/2023. On XX/XX/XXXX, XXXX mentioned despite the checks being cashed by Nelnet that they could not locate them and requested that we send evidence of check numbers and the amounts. 

XX/XX/2023 : - XXXX XXXX referenced above ). Was able to locate the checks and put in a request to have operational accounting allocate the checks to the accounts. Mentioned it would take XXXX XXXX days to show on the account despite Nelnet cashing the checks on XX/XX/2023. 

XX/XX/2023- XXXX mentioned there has been no updated on the account but showed the request in the system. 

XX/XX/2023 : - XXXX  ( Employee ID : XXXX ), mentioned she sees the request in the system but informs me to wait until the end of the day given it is the XXXX Business Day. XXXX Business day meaning it should be rectified on XX/XX/2023. 

I have called/emailed Nelnet  several XXXX and they are not addressing the issue efficiently and constantly come up with excuses. If Nelnet cashed the checks which already had account information, name etc, it should have shown in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: MA
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'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 2019-07-09
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
IC Systems has put a negative mark on my credit report for a debt that not only was not owed but is also beyond the statute of limitations for the State of Michigan. My credit score is has been negatively impacted by 34 points, and this is tantamount to extortion. The information from my credit report is found below : I C SYSTEM INC XXXX XXXX XXXX XX/XX/2019{$360.00} {$360.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX threatened to enter a negative mark on my credit report if their equipment was not returned when I cancelled their service, it was, and I've been harrassed by these hellions ever since. How do I make this stop and remove this none sense from my credit report?

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 2023-08-25
Company: CITIBANK, N.A.
State: MN
Product: Credit reporting 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:
These accounts and inquiries are not mine they was made without my permission, consent, inquires MACYSCITIBANK N.A Inquiry : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 XXXX which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

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 2023-06-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation