BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-17
Company: National Recoveries, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have a complaint AGAINST the Department of education. They allowed a college to missuse federal funds when allowing the school to lure me into signing up when they know i had no high school diploma. Tricking me by signing promissary note electronically!!! Which I did not! Then school dropped me during the beginning of the second month of classes with no explaination, no disbursement of funds or counsling of any kind. The remainder of the money then did not get returned, the school kept the money and now department of education says my wages will be garnished. If this office is in fact protection for cosumers then PLEASE PROTECT ME. From these practices of fraudulent affairs known from the department of education. Please do not tell me to contact them .They keep ignoring me and sweeping my complaints under the carpet! Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am responding to your contact about a debt you are trying to collect. You filed on my credit report on XX/XX/2023, and identified the debt as from XXXX XXXX as mine but I haven't received any information to verify the validity of the debt to be mine, had any contact me via mail or had the right to dispute. Please supply the information below so that I can be fully informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
In XX/XX/2020 I was alerted by SunTrust Bank of a suspicious charge to my credit card in the amount of {$120.00} at XXXX. I did not get gas there and it appears my card was skimmed at my local XXXX gas station in XXXX, Florida. I called the Suntrust customer service center which answered in the XXXX. I have spent 6 months on this case. My claim was denied several times until I sent an e mail to the CEO of Suntrust bank. Finally his assistant XXXX XXXX, ( XXXX ) XXXX advised me today that I will be getting a partial credit in the amount of {$89.00} but NOT the entire amount. I never charged {$35.00} at XXXX or any amount there. 
I have worked with my local SunTrust Bank with a woman named XXXX ( XXXX ) XXXX who has tried to help me with the incompetent Suntrust fraud department for 6 months. 

Suntrust credited me {$89.00} on XX/XX/2020 and then revoked that amount on XX/XX/2020 after their investigation. About 2 weeks ago I was told by XXXX XXXX ( XXXX ) XXXX that my claim was denied. It wasnt until I emailed the CEO of Suntrust Mr XXXX that I got some help Yet, they are only giving me a partial credit. They were the ones who initially advised me about the suspicious charge to me credit card. Yet they wont give me the full amount. I am a senior citizen and this has been very stressful for what should have been a simple matter. The fraud department of Suntrust has been very incompetent

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 2021-06-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Chase is still reporting a balance to XXXX  on a charged-off account that was settled. The account is being reported correctly to both XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am having trouble finding a job due to a school that no longer exists. XXXX XXXX has been closed for its high interest rate loans and poor academic practices and it is affecting me in my job search. Navient doesnt seem to care that the loan should be flexible due to the lack of school representation that they loaned money for with high interest rates. They are requesting a high monthly amount that is not simple to pay back in the first place. My loan should be discarded because of my schools non existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I submitted a credit card application for the Paypal XXXX XXXX on XX/XX/XXXX. 

I received a notice in the mail around 2 weeks later that I was denied due to fraud concerns ( I opened a few new lines of credit around that time ). 

I called Paypal to ask about when I can reapply to the card. They advised me to call XXXX XXXX. 

XXXX XXXX  mentioned that I can re-apply 30 days after I was originally denied. 

I tried reapplying 61 days after my original application, and I am still greeted with a " Sorry, we can't offer you this card right now '' error message. 

I called PayPal, who mentioned that they did not control the eligibility of when members see this screen. 

They transferred me to XXXX XXXX. I escalated at XXXX XXXX mentioned that they did not control when members see the application form on Paypal 's website. 

I called PayPal again to ask about when I can re-apply. At first, they mentioned that I can re-apply 30 days after the original application. Once I mentioned that it's been 61 days, they mentioned that they are not sure when I'll be able to re-apply. 

The lack of specificity in their replies leads me to believe that they do not have a policy that mentions when denied applicants can re-apply again. This is concerning and may not provide equal opportunity to applicants that were denied in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX XXXX XXXX XXXX NH sale XXXX XXXX  Agent XXXX XXXX Traded in a XXXX for another XXXX at end of lease. Mileage over contract by aprox. 3000 miles. 
Agent exaimined our trade for acceptance did not mention any problems.. we talked about payments Mr. XXXX sealed the deal with us by including XXXX would eat the mileage and be in our comfort bracket. My mother and I agreed to the monthly payments of {$390.00} and gave the first initial payment. 
Received a call from Nissan Lease that aprox. {$4100.00} was due in cash. 
This would cover the over mileage and wear and tear. First the car was examined by the dealer no note of a problem and the mileage was to be washed. From what I can estimated Mr. XXXX left the company immediately after our transaction. 
Went into XXXX talked to manager XXXX. No help available on " He said, she said '' I askd why a " WE OWE paper was not shown to me but I found it with the envelope given. This paper had a forged signature.. XXXX took the paper and returned with a WE OWE paper that had my signature. He kept the signed one and returned my copy. This was strange.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: CCS Financial Services, Inc.
State: UT
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:
XXXX Collections and XXXX XXXX XXXX are reporting a debt on my credit file I do not owe. Not only do I not owe this debt, they are double reporting on my credit file! This is in clear violation of the FCRA ACT LAW and needs to be removed off my credit file.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My local XXXX XXXX XXXX collector issued a refund of past taxes for years XXXX and XXXX. At that time, I had a mortgage with XXXX so the tax collector sent my refund to XXXX. XXXX recognized that they had sold my mortgage to PHH and sent the four checks, totaling {$3500.00}, to PHH.l I have contacted PHH numerous times to include three faxes sent to XXXX and a registered letter tot heir Customer Research Department asking them to send me my tax return. ( inquiry numbers XXXX ( 39 ) and XXXX ( 66 ) They have sent me a fax and a letter saying they are unable to locate my account. I sent them copies of the checks that XXXX ( XXXX ) sent them. They say they have no account number for me and are unable to locate the funds. 
I do not have an account number with PHH but have provided the property address and my social security number.

They have my money and I would like you to help me get it back. In addition to what I state above, I have spent hours on the phone and they say I can't speak directly to the Research department nor do they have a direct phone number. They only have a fax number. Please help me.

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 2020-11-30
Company: Lendmark Financial Services
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I received a vehicle title loan a week later I was laid off the loan had insurance as if I were to loose my job I was covered - I submitted the information meantime covid hit I became homeless and lost my mailing address. I did not receive any mail from this company nor towing company to make me aware they were repossessing my vehicle My car was repossessed on XX/XX/2020 the lendmark financial says if I give them {$300.00} its the towing company thats charging {$650.00} for repossession Please help me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: EQUIFAX, INC.
State: PA
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:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX {$230.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 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 2021-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CAPITAL ONE AUTO FINANCE XXXX Date Opened XX/XX/15 Balance {$4000.00} Late 30 Days As a client, I have legal rights that are provided to me to safeguard me through misinformation being reported on the credit report. At this point, I would like to produce a final petition for examination before I seek the advice of my attorney for advice on how to handle inaccurate and unverifiable issues that are continuing to be demonstrated as valid. You need to give me a copy of the agreement agreed upon or voice conversation where I certified billing me on this particular account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: NY
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 reported to XXXX XXXX that a credit card that I have had for more than 4 years is not being reported by Equifax. I spoke with XXXX XXXX and I was told that the cards is reported to all the three bureau. 
The card in question is a XXXX XXXX XXXX  master card ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Received negative XXXX credit report on a delinquent Apple Card Acct from Goldman Sachs in early XXXX Never applied for the card. Disputed the acct with XXXX as fraudulent. XXXX investigated my claims with Goldman Sachs and emailed me the results of the dispute around XX/XX/XXXX. They stated that the information that Goldman Sachs provided to them was accurate and if I wanted to further dispute it I need to contact them directly. On XXXX XXXX spoke to customer representative from Goldman Sachs, gave her my correct name, address, dob, and ss #. She stated she could not find an acct in my name with the info I gave her. Could not tell me why it still showed up on my credit report. Says she will look into it further but in the mean time I should file a fraud report with the police and with fraud alert. gov and send them a copy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-25
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have given navy federal my Ada letter then they banned me and now they locked me out of my account havent sent me a new card or updated my address because I suffer from XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants should be fined for reporting a debt that was clearly reported a fraud to XXXX. I have reported this debt many times to XXXX  and also Diversified Consultants that this was fraud and Diversified Consultants continue to report this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the XXXX Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below is the erroneous account reporting on my Credit Report : 1, AMERICAN CAPITAL ENT XXXX Balance {$68.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: TX
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 had an XXXX loan  for a XXXX  that I put $ XXXX down and XXXX  sold the vehicle and still reported a charged-off balance and never updated it ... I've disputed with the bureaus and only XXXX  has corrected the mistake. I've made several attempts with XXXX  and finally got them to send me something. I just want this account fixed. Someone told me that the credit bureaus get paid money from creditors to leave items open .... I did everything I was suppose to do. Thank you for helping and hearing me

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 2023-02-17
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had my Federal Student Loans transferred to MOHELA in order to participate in the Public Service Loan Forgiveness ( PSLF ) program. I have submitted all relevant Employer Certification Forms ( ECF ).

Despite following all of the required steps, I am continually having my forms rejected for some random, or even unknown reason. I was actually told by a customer service representative who looked over the forms as I was on hold that, " there doesn't seem to be anything wrong with them. '' This interaction led to the form having to be " reprocessed '' and would take 90 business days. 

It is completely unacceptable to have completed documents " reprocessed '' based on errors by this company, who was selected to manage these accounts. Tax payer funds being spent on what seems to be an in ability to meet the needs of student loan borrowers ; is extremely frustrating and inconvenient. 

My forms for submitted by me directly from the National Archive and Records Administration, complete with stamps and all. There is a problem over at MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/19 I requested the credit bureaus to investigate the collection with Diversified Consultants #  XXXX. They stated that the debt was valid. Well I reached out to Diversified Consultants and  requested the proper validation to prove they can legally collect on the account and a contract with my signature ( Tracking # XXXX XXXX XXXX XXXX XXXX ). I only received a copy of a bill from them. This is not proper validation and I want this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The Credit Bureau is reporting inaccurate information on FIFTH THIRD BANK NA XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation