BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: Navient Solutions, LLC.
State: NY
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:
Since graduating from school in XX/XX/2009, I have made my private student loan payments every month as required. I expected to have a monthly payment. However, the interest that is charged is a complete and unfortunate scam. I have paid nearly {$35000.00} towards interest since taking out loans ( I will add, I was only XXXX years old when I first went to college ). Now that it is nearly 15 years later, I am still struggling in paying off my loans at XXXX years old as a single parent. I have a great career and I work very hard, however there are no options to get my principal balance down and to live a normal life. I regret taking out these loans at age XXXX with little to no understanding of how it would ruin my future along with my child 's future. I make a good living but I can not live a good life. My student loans have ruined my life. Since XX/XX/2009, only about {$7000.00} have been applied towards my principal balance while Sallie May ( Navient ) have gladly taken nearly {$40000.00} in interest because Im liable for making that monthly payment. 

Navient has taken over my future and I would have been better off without an education that is this costly. No one signs up for this type of debt willingly at age XXXX nor could a XXXX year old understand what type of debt they could fall into during repayment after graduation. The daily interest accrual is unjust nor should I have been given loans at such a young age without fully understanding the nightmare I was getting into. I make my payments every month because I understand I borrowed money for my education - HOWEVER - I did not sign up for this interest scam. My principal balance barely changes every month but I keep paying a huge payment because that is my duty as a borrower. Interest should not be a chance to take advantage of consumers but give a consumer a chance to pay off their debt!! 
I don't live a good life because of Sallie Mae ( now Navient ), and neither does my child.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: TekCollect Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a debt validation letter to Tek Collections. I received no information pertaining to this debt listed on my credit report. I have tried to email them and got no response. They have no verified I own this debt and I would it removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: BBVA FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
BBVA is giving me the run around over closing a CD that recently matured. I have been on the phone for hours and all they do is keep transferring me. I have been told I would have to go to a branch and there are no branches in my state or any neighboring states. It was opened online. They are refusing to close my account at this point and it is over {$100000.00}. Please help, I am desperate for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I was in contact with attorney XXXX XXXX for 2 debts owed to XXXX   XXXX. I made an offer to settle the 2 accounts for less and they contacted XXXX XXXX and the offers where accepted and agreed to remove the accounts.

1st account had a balance of {$3100.00} and made offer to settle and remove for {$1500.00}. It was accepted and paid, was taken out of my  bank account on XX/XX/2020. 
2nd account was for {$800.00} and made offer to settle and remove for {$370.00}. It was accepted and paid out of bank account on XX/XX/2020. 
XXXX XXXX has provided me with letters saying both accounts have been settled and have a XXXX  balance on each. XXXX  XXXX has gone and instead of XXXX  out the balances and removing them they subtracted the money that I paid from the original balance and still say I owe them the rest they have repeatedly every month for XXXX and XXXX have the accounts still listed as being owed And showed no payments Have been made. 
I have also submitted the two letters from the attorneys office of XXXX XXXX showing I settled the 2 accounts held by XXXX   XXXX  and instead of fixing the problem XXXX XXXX wanted my banking account number and routing number to pay the remainder of the balance of that they claim I still owe them. 
XXXX XXXX also refuses to notify the original credit card companies that I settled the account which are still updated monthly showing charged off and no payment for each month. Which is still bringing down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a collection from IC System for an account with XXXX XXXX XXXX XXXX that is not mine. This account has been disputed previously and removed from different collection agencies and new ones acquire the account to collect. I am a victim of identity theft and this was done by someone other than myself. This is a fraudulent account and has been removed by credit bureaus in the passed when it was with other collectors. I did not open this account or authorize anyone else to open it using my information. I have filed both a police report and identity theft affidavit.

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 2017-09-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In the wake of Equifax 's unethical handling of our information that we did n't choose to provide, I have been unable to immediately get credit freezes because of demands for police reports, newly created run-arounds by XXXX in order to trick me into buying their fraud monitoring instead of simply allowing me to get the credit freeze I need, as well as steep fees for the credit freezes that keep myself and others like me from being in control of our identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I sent in my police report and my notarized affdavit to XXXX. I called last month and talked to XXXX from the fraud department who asked me to send in my fraud package. after sending it to them they did not comply with anything and said they don't have to block the fraudulent account even after going to the XXXX XXXX  XXXX Police Dept and filing a police report in person. they sent me some generated letter saying if i want to block the fraudulent account to send it my Police report and affidavit that i have provided them. Today at exactly XXXX XXXX  i spoke to XXXX who said he was fraud department integrity team and completely said he won't do anything and he didn't care what XXXX told me and said he doesn't have to follow the FCRA rules. I told him i got some letter saying if i wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605B I told asked him to transfer me to a supervisor and he hung up on me. I have done everything in my power to fix this fraudulent information if this is not fixed my only option is to file a lawsuit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied for a Citibank XXXX XXXX credit card several months ago. 

I never received the card, and after three calls asking for new plastic, and still not receiving the card I tried to cancel the card.

Today I got a statement via email several months after the cancellation call. They never cancelled the card - and it's still showing as active despite assurances the card was cancelled.

It seems I'm 4/4 out of attempts to try and work with CitiBank to get this card closed but the reps constantly manipulate me away from closing the card or flat out lie about actions taken on the card. I've had it with Citi and don't want to do business with them anymore.

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 2020-10-09
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I wrote a check to Wells Fargo Auto and mailed it to pay off a vehicle loan. The check cleared my bank on XX/XX/2020. I noticed that on XX/XX/2020 the vehicle auto payment was memo posted to pay. I called the bank to have them reverse the charge and they reassured me that the debit would not go through. The next day the charge went through. It is Friday XX/XX/XXXX and I have yet to see reimbursement or my lien card. Do they plan on paying interest to me for holding my money hostage? I wonder how many people go through this same thing. Its seems like they could make a lot of money on everyone else 's interest when aggregated.

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 2020-10-09
Company: REGIONS FINANCIAL CORPORATION
State: SC
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 XX/XX/2020, I purchased a product from XXXX on line for {$100.00}. It was an electronic exercise machine that was advertised by XXXX that included exercise bands. When I received the device, it did not have the exercise bands. I contacted XXXX and they said the device did not include the bands. The advertisement clearly stated the device did indeed include the exercise bands. I shared this with XXXX and my credit card company. As of today, I have not paid doe the device as I filed a dispute on XX/XX/2020 to which I have proof.

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 2019-09-16
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice on my credit report that is not mine for the amount of {$480.00}. I kindly called the company to advise this isnt mine and that I need some type of proof of this bill. The company advised me they would send me the right documents to prove this is my bill. I received a letter with all different types of dates and balances that dates back from all the way to 2015. I have contacted all 3 credit agencies ( XXXX, Experian, XXXX ) and disputed this charge. It cant back verified with NO PROOF a week later! which is a violation of my rights .This is nothing that shows I owe these bills. Due to this not being the correct documentation to send showing proof of collection I am requesting that this medical bill account number XXXX be removed from my credit file 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 non-monetary relief
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX said I was late on a payment XXXX of 2020. But has failed to show me proof. I have called them several time and have mailed them bank statements showing I paid in the month in question. I have also disputed it with XXXX, XXXX, and equifax and have not gotten anywhere. They are reporting inaccurate information on my credit report which in a valuation against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Netspend Corporation
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I AM SO SICK OF THIS COMPANY THEY KEEP CLOSING MY ACCOUNT WHEN ALL OF MY MONEY GOES TO THE ACCOUNT AND THEN IM STUCK WITH NO MONEY, NO WAY TO EAT, NO WAY TO FEED MY KIDS, NO WAY TO PUT GAS IN MY CAR OR ANYTHING AND THEY THINK THAT'S OK. THEY NEED TO BE SHUT DOWN IMMEDIATELY THEY HAVE DONE THIS TO ME ABOUT 6 TIMES AND NEVER TRY TO FIX THEIR ISSUE. THEN YOU SELECT THE ENGLISH OPTION AND NEVER GET ANYONE THAT SPEAKS ENGLISH, JUST SOMEONE REPEATING THE SAME THING OVER AND OVER AGAIN ABOUT HOW THEY'RE SORRY AND CAN'T FIX IT WHEN THEY CAN FIX IT BECAUSE THEY HAVE DONE IT BEFORE. THEY DON'T EVEN ASK YOU IF YOU WANT YOUR ACCOUNT CLOSED, THEY JUST CLOSE IT WITHOUT YOUR PERMISSION AND THINK SOMEONE WITH NO FUNDS ON HAND IS SUPPOSED TO WAIT 7-10 DAYS FOR THEM TO SEND ANOTHER CARD I DON'T XXXX THINK SO.

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 2022-08-12
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I work for the XXXXXXXX XXXX XXXX XXXX was XXXX on XX/XX/XXXX, XXXX.I called XXXX XXXX XXXX ( holder of my mortgage ) asked for a deferral for the XX/XX/XXXX payment. I was told that the investor whom they sold the mortgage denied my request because he doesn't allow any mortgage he holds to have deferments, even for hardship reasons. This seems unfair to consumers like me who had a VA loan which was then sold to a mortgage company, who then sold it to an investor. It is no longer a VA loan and I have no protection from this type of predator lending practice. 

I am seeking your help in this crucial matter for me and my family. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: MD
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 XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXS-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date XXXX inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: HYUNDAI CAPITAL AMERICA
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
In short XXXX XXXX XXXX refused to offer me a reaffirmation agreement because they stated numerous times that my bankruptcy was cancelled. I called nearly @ dozen times to tell them that it was active. They refused to let me speak with a supervisor or anyone else who would be willing to listen and investigate. Eventually they decided that my bankruptcy was active but made up different reason why they could n't offer me reaffirmation. One guy said we sent it in the mail, but to the wrong address. Now they 're trying to repo but no matter how many times I tell them my address, they keep trying to go by another states law in order to short cut the repo process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Credit ratings ( FICO Scores ) do NOT allow for those who have paid off mortgages, cars and continue to pay off charge cards monthly. This affects insurance costs daily! Adding additional debt should NOT be the way to get a better score. That's just the wrong answer. 

There should be some compensation in the credit score for those who are prompt with payments and who have had years of prompt paying. Credit for owing {$800000.00} in debt but having paid for it. 

Id like an answer from the Consumers Finance Protection Bureau on how many items connected to one 's FICO score can continue to increase consumer 's costs while their credit remains perfect. The WRONG answer is to ADD more debt. But that is what consumers must do to increase their score!

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