BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: CA
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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

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 2018-10-03
Company: Bass & Associates, P.C., Attorneys at Law
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On approximately XX/XX/XXXX, My wife took out a loan with XXXX XXXX XXXX XXXX to pay for a XXXX vacuum cleaner. First payment was paid on XX/XX/XXXX. After a few payments we wanted to pay off this high interest loan. So I took out a loan from my XXXX XXXX ( k ) to pay off this high interest loan. My wife XXXX XXXX XXXX XXXX to pay off the loan, via telephone. She made a payment of {$1500.00} to satisfy the loan. Then two years later on XX/XX/XXXX received a letter from XXXX XXXX. Stating that there was a remaining balance of {$61.00}. That was never paid and now there is a balance of {$560.00}, that includes late charges. I told financial services that I refuse to pay this amount. It doesnt make sense for me to take out a loan from my 401k to pay off balance of {$1500.00} and leave a remaining balance of {$61.00}. And if that was the case why did you take them two years to contact me about the remaining {$61.00}. They refused to work with me and only wanted to negotiate on a settlement and payment plan to pay for the {$560.00}. So now the have transferred my supposedly debt to Bass & Associates ... I contacted Bass & associates and explained my predicament. I offered to send them my paperwork I received from consumer financial. The best they could do was to lower amount lower amount by {$110.00} and offered me a payment plan ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
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:
On XXXX/XXXX/XXXX, I received notification from the XXXX credit bureaus that my loan balance with XXXX has increased from {$19000.00} to {$19000.00}. I immediately spoke with a representative at XXXX and was advised that I would need to file a complaint for the incorrect reporting. XXXX sent me a transaction history reflecting the updated balance of {$19000.00} for the updated balance for the at the end of XXXX XXXX. I requested for balance loan to be updated with the XXXX credit bureaus and was denied and advised to dispute the inaccurate reporting myself. Due to the inaccurate reporting it is negatively impacting my able to obtain credit.

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 2018-11-10
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: Account information incorrect

Complaint:
I received a copy of my credit report from transunion dated XX/XX/2018. Upon Review of my report, I saw that Transunion is reporting an account listed as Florida XXXX XXXX XXXX, account # XXXX, with inaccurate, incorrect information. The account is being reported as open, when it is not, the account is closed, the date closed is incorrect, the date of last payment is incorrect and this account is being reported from XXXX as a collection account when this account was paid on time and never a collection account. I had the same problem with XXXX and they removed it out of my report on XX/XX/2018. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine is correct. I have the legal right under the FCRA to demand that all the information reported by this agency be verified as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore I demand a method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

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 2020-04-30
Company: FinCo Services Inc DBA Current
State: CA
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 credit card was stolen and I filed a dispute on a transaction that was placed by someone who stole my card the store that my stolen card was used at had been XXXX, I contacted them they helped as much as they could because I had to eventually file a dispute with my card company. So I did I filed it twice and both times were denied and no one can give me reasoning on the decision of the dispute either times. They have stolen money from me numerous of times I can prove it. There even charging me {$36.00} a month for subscription which was an hidden fee didnt know it would take {$36.00} from my stimulus check that I received from President Donald Trump.  Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Braviant Holdings, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They did not send a written validation notice ... .they contacted and left message with a family member ... no mailing address was given ( theirs ) ... no collection license # given ... the account id number they gave XXXX ... {$310.00} (?? ) owed ... threatened to send someone to my home ... no email given to me ... names : XXXX XXXX, XXXX XXXX ( xt # XXXX XXXX, XXXX XXXX ... XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: Bliksum, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I need extra money and my credit scores wasn't that great. I went online and found this loan company XXXX. It was the biggest mistake that I have ever made. I took out the loan in XX/XX/XXXX. It was for {$3100.00}. My payments started out at {$360.00} a month. Then I could no longer afford that amount so I started paying {$270.00}, As of today, XX/XX/XXXX, after two years, the principal on this loan is {$2500.00}. I called to get a pay off amount today for Monday and I was told that the pay off would be {$2800.00}. I asked them how could this be. I did not understand anything the guy said. I told him that this has to be unethical and illegal and hung up. I do not understand how could have a loan that I got in XX/XX/XXXX for {$3100.00} would have a payoff of {$2800.00} in XX/XX/XXXX when I have been making payments of originally {$360.00} and now {$270.00}. I know that I should never use companies like this but this has to be illegal. The way they are doing this loan, it would take forever to pay off. Also, after 2 years only XXXX has gone to the principal. Also, how could the principal balance be {$2500.00} and the pay off would be {$2800.00}? This makes no sense and I could not understand all the fees and interest charges that the person was alluding to. I also did not know that the loan does not have a term. I thought it two years it would be paid off. 

I did not understand these terms an never would have signed up to something like this. I was just in a car accident and needed money to pay bills. My credit score is fair now that i can actually get a loan at a bank. I wanted to try to get money to pay this off but do not want to pay what this is showing. It is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
this message is for equifax and XXXX  and XXXX. i want to let them know that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX are all being reported and the nc department of justice is now involved with those accounts and creditors. i received emails from some of the creditors and letters and i called some of them and most of them stated they will no longer contact me. i will add documentations so these accounts can be removed from my credit file for good. also XXXX XXXX XXXX  showing on my report should deleted. they are being investigated as well. as well as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I called in on XX/XX/18 and spoke to a lady about a forbearance. She advised me that I was no longer allowed to forbear my student loans. I advised her that I have been struggling to raise a family of XXXX for the last 20yrs and I know that at some point I will have a to start paying, but not today. I still have one more child in school and hopefully after that we'll be financially stable to start paying. She said now that my loan is serviced by Navient, I am no longer to do a forbearance unless I transfer all my loans to them. I said no, that sounds like a housing refinance scam, when one servicer takes over managing an account, I have no reason why I need to refinance my student loans. She said then you have to start paying. I told her that was not acceptable. She advised she can do an emergency forbearance for 60 days, but I had to pay {$50.00} and then decide in XXXX if I want to consolidate my student loans under Navient. I have XXXX XXXX Funds student loans from Sallie Mae. One I obtained while I was in school at the University of XXXX XXXX, XXXX XXXX Ohio and the other when I went back to school with the University XXXX XXXX ( online ) to finish up my bachelors. As head of household, mother of 3, I had to finish getting my bachelors in order to provide for my family. Though the years, I've been able to progress in my career and am finally almost to a point where I'll be able to start being financially stable. Having to make a $ 500 monthly payment will continue to cripple our family and we'll never be able to enjoy financial stability. Again, I know eventually I'll need to start making payments, however until then, I would like to continue forbearing them until I am ready. The lady on the phone said I am limited to 60mths of forbearing, I told her I have been doing so for the last 20yrs with Sallie Mae, she said now that I am with Navient that I can't do that any more. She said the only way I can start doing it again, is if I transfer my loans to them. I'm concerned with losing my interest rate and any benefits of having a government student loans. I asked her to point out where in my contract that says I am limited to 60mths, and she said that she can't do that. That she's only going by her servicing rules. I told her that if that is not in my contract as a restriction, that she can not restrict me in this manner and force me to refinance. I also asked that she have someone review my contract and let me know what I am " required '' to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have had no assistance in my claim regarding XXXX XXXX XXXX XXXX XXXX and their debt collector : Transworld System even after several YEARS of CFPB complaints, including Ombudsman appeals with continued damaged credit resulting in declined loans and higher interest rates. 

Dates : 2007 to Present Amount : Originally - $ XXXX. Currently : $ 80K ( approximately ) Actions : Continuing to negative credit report resulting in my score down over 80 points, ignoring and violating Consent Order, falsified credit dispute documents by reaffirming the debt was owed to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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:
My Bank of America XXXX  card was fraudulently used on XX/XX/18 at XXXX XXXX I am not sure how the card number was obtain by a person I do not know. I called the XXXX XXXX to report fraudulent use. I also called Bank of America Visa to report fraudulent use. This incident was immediately resolved. Bank of America sent me a new credit card. I received the next statement on XX/XX/18 and another fraudulent use of my card was used on XX/XX/18 at XXXX XXXX XXXX. The charge was made with my original credit card number, per the account number on my statement ( this statement had two account numbers the old and the new ). I called XXXX XXXX to inquire about the charge and state it was fraudulent. XXXX XXXX agreed and said they would remove the charge. 

I called Bank of America to report the charge and cancel the credit card on XX/XX/18, the day I received the credit card statement. Bank of America would not cancel my credit card account. They said it had to stay open during the investigation and I disagreed with this process. A week later on XX/XX/18, I received an email from Bank of America telling me a new credit card is on the way. I did not request a third, new credit card and want to close this account to stop the fraudulent activity. Speaking with Bank of America on XX/XX/18 I found out that my call to report the fraudulent activity on XX/XX/18 from the charge made on XX/XX/18 was not documented by Bank of America and the account was not frozen, as the associate told me would happen. 

I do not want a Bank of America credit card. I do not want to pay for the fraudulent {$73.00} charge and then have Bank of America refund me the money. I just want to pay the balance of my charges and close the account and be done with Bank of America.

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-30
Company: EQUIFAX, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The company is stating this account was open in XXXX. I filed bankruptcy in XXXX and was discharged XX/XX/XXXX and all accounts were included. I filed chapter XXXX and this company keeps posting it on my reports as a collection which is inaccurate. 


According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: CMRE Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Per the original creditor, as of XX/XX/2019 they were informed ( CMRE ) that this bill was null and void. To remove it from my report. 
They refuse. I've filed 8+disputes. 
Also, 2 confirmed conference calls WITH both agencies and everyone understanding on the phone with above said issue. 
As of XX/XX/19 they ( CMRE ) hung up on my 3x while trying to fix this. 
They also hung up on XXXX XXXX. 
Rude. Unprofessional. CMRE for some reason doesn't want to follow rules and directions. It's as if they don't want to let it go ... please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Law Firm of Katz and Associates, PLLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2019 XXXX XXXX XXXX in cahoots with XXXX XXXX XXXX, XXXX wrongfully received a judgment ( {$1800.00} ) by filling a request and writ for garnishment ( periodic ) against me in a state that I do not and have not resided in ( XXXX XXXX, XXXX ) in over 30 years this is a violation of my rights and protection under the fair debit collections and practices act 808. Unfair practices. 

The above parties presented fabricated documents which stated that I was severed in person and misrepresented contact information to the State of XXXX XXXX Judicial District Judicial Circuit in order to receive a judgement against me in the monetary amount listed above this was a violation of my rights under the fair debit collections and practices act 807. False or misleading representations. XXXX XXXX XXXX along with XXXX XXXX XXXX, XXXX stated that I was served with a writ ( in person ) and also delivered a copy of said writ to my last known address by first - class mail. The above statements are false based upon the following facts : ( 1 ) it's been 30+ years since I lived in XXXX and ( 2 ) My last known address would have been in ( XXXX , XXXX ). Being that the debt which XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX is included with my Chapter XXXX Bankruptcies in which the original creditor has knowledge of places the above plaintiffs in full violations of disobeying a court order and my rights and protection under Federal Bankruptcies law, which states that XXXX XXXX XXXX, along with XXXX XXXX XXXX, XXXX are breaking the law by collecting upon a debit through wage garnishments which is included in my chapter XXXX bankruptcies

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 2020-08-14
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I am past due of a small amount on a loan through Cash One. I have repeatedly tried to call and explain my dire situation, and i am now being harrased and abused. I have been told i am a low life, money sucker, lying, pathetic person. They will not notate my account and continue multiple times a day to harass and threaten me. I have tried to talk to a supervisor and no one will ever let me do that. This is so upsetting and makes me feel like a completely XXXX person because of how they are treating, threatening, abusing, and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is regarding my Bank of America XXXX  XXXX XXXX card, approved and received on XX/XX/XXXX, and for which I paid an annual fee for. 

Even though I paid the annual fees, Bank of America unilaterally closed my account without any explanation on XX/XX/XXXX, thereby denying me services that I had already paid for. 

My account was never in default, the account never extended its credit limit, or otherwise breached any terms of the contract. 

Please either reinstate my account ( preferred ), or provide a detailed justification for the closure of the credit card ( I have been unable to get a reason when calling in customer service ). 

Also provide a refund of the annual fees given that services paid for are not provided, which is a deceptive and unfair consumer practice.

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 2019-09-03
Company: Ocwen Financial Corporation
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:
Hello im complaining to the public record who illegally entered and shared information without my permission to the credit bureaus. XXXX XXXX and XXXX have a partnership. I request to have this attested. My personal information should not be shared. I request it be removed from my report.

Company response to consumer: Closed with explanation