BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Someone used my personal information to obtain medical services that i'm not aware of at this time.

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 2017-07-10
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX AUTO LOAN NOXXXX DAILING THIS ACCOUNT TO ALL CREDIT BUREAUS, ESPECIALLY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: EQUIFAX, INC.
State: NY
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:
On XXXX XXXX, 2017, I discovered that I had 11 accounts on my credit reports that were fraudulent. I filed with the FTC identity theft website and sent the report to each of the Credit Reporting agencies along with my identity documents, address proof and letter requesting the information that was fraudulent be blocked from reporting. Both XXXX and XXXX blocked the information within 72 hours  as required under the FCRA. Equifax has refused. The latest reason is that my identity documents are blurry. I have resent these by post and a resolution has still not occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Experian Information Solutions 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:
Capital one bank USA -10/05/2017
Infiniti financial S - 06/23/2017
Fingerhut/Webbank-05/03/2017
Carmax auto finance 04/20/2017
Capital one bank USA 03/05/2017
Badcock home furniture 02/10/2017
Premium motors lauderdale 02/08/2017
Carmax auto finance 11/16/2016
Capital one bank USA 09/30/2016
Carmax auto finance 09/05/2016
Citibank na best B 06/07/2016
Motor house inc 06/06/2016
Credco 06/06/2016
Discover Bank 06/03/2016
Carmax auto finance 05/26/2016
AT&T services inc 05/07/2016
Capital one bank USA 04/20/2016
Carmax auto finance 03/10/2016

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 2017-07-10
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Date : XXXX/XXXX/XXXX Attention : XXXX XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX  Regarding 2 Accounts Numbers Below ... Accounts XXXX XXXX XXXX & XXXX XXXX Time after time again I have asked / request in witting a complete full statement from your company with your company heading which since from XX/XX/XXXX up until XX/XX/XXXX I have never been in receive of not been as after the request has been given and submitted by your employees : 1 )  XXXX Employee ID # XXXX 2 ) XXXX Supervisor ID # XXXX My Request has been submitted time & time again for the past FEW years and never have I XXXX ever been able to receive a bill via mail from you .. I know ask that if possible can YOU PLEASE mail me out ALL FULL STATEMENTS FROM DATE : XX/XX/XXXX UNTIL DATE : XX/XX/XXXX Even if able give me access back to the web site of your company computer system where I can obtain them and print the billing statements out myself PLEASE I BEG of you for the 100000 TIMES Since XX/XX/XXXX!!
You have CLOSED my account and NOT given me access to pay YOU for the OUTSTANDING AMOUNTS which you have SOLD off to another company for COLLECTIONS!! Your behavior is very bothersome to me as a citizen of the United States and I know for a fact that I have No Knowledge of any outstanding Debt that You Claim I owe YOU!! Beings that YOUR COMPANY XXXX XXXX XXXX HAS NEVER MAILED ME OUT ANY STATEMENTS TO MY MAILING ADDRESS .. JUST Recently, after your rep walking threw to gain access NOW YOU 'VE BLOCKED me from access the account on your web site!! ALL I HAVE BEEN TOLD IS THAT PAY ON LINE VIA ACH.. directly from my computer to your web site!! I am begging YOU XXXX XXXX XXXX to please give me the statements that you say you sent to me and my request of for ( COPIES of ALL STATEMENTS PLEASE from XX/XX/XXXX too XX/XX/XXXX PLEASE!!! Please send ALL statements as soon as possible and I will be more than happy to pay off what you claim I owe you ... .. NO WORRIES AT ALL!! Please Mail Me Proof of ALL Statements from XX/XX/XXXX too XX/XX/XXXX Thank You Kindly Respectfully : XXXX  cc : XXXX XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX cc : * XXXX XXXX XXXX XXXX XXXX MCM XXXX XXXX cc : MIDLAND FUNDING , LLC & MIDLAND CREDIT MANAGEMENT, INC cc : XXXX # XXXX MCM ACCOUNT # XXXX / Document Types Request : Chargeoffstatemnet cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
This complaint involves the Student Loan Company Navient and fraudulent loans. From XXXX I attended the XXXXXXXX XXXX XXXX XXXX for XXXX XXXX. At the time of my studies my Student loan provider was XXXX XXXX. XXXX XXXX split into two entities XXXX of XXXX and became Navient and XXXX XXXX. See Exhibit # A from the XXXX XXXX website discussing the split. I had a delay in my studies due to owing the XXXX XXXX XXXX XXXX money. In the spring of XXXX, I met with an adviser XXXX XXXX to return to the XXXX to finish my studies. I never heard from XXXX XXXX again and later found out in XXXX of XXXX it was because the XXXX XXXX XXXX XXXX was purchased by XXXX XXXX XXXX XXXX in XXXX of XXXX. See Exhibit # B from the State of Ohio showing the XXXX XXXX XXXX XXXX was purchased in XXXX. I can not receive reparations from XXXX XXXX XXXX XXXX XXXX due to school closure. The XXXX XXXX XXXX reporting exaggerated many things but most importantly, I believe I qualify for assistance because of school closure and because credits do not transfer. See Exhibit # C an unofficial transcript from XXXX XXXX XXXX XXXX in XXXX showing no XXXX XXXX XXXX Reporting Credits Transferred. In XXXX of XXXX, I applied for a Federal Loan discharge of my loans due to school closure. See Exhibit # D a letter from XXXX XXXX XXXX saying they do not service loans for the XXXX XXXX XXXX Reporting. On XXXX of XXXX, I received a letter from Navient saying they were going to resume collections on my loans. As I just learned of my rights of the victim of a school closure in XXXX of XXXX, I could not in good conscience resume payment. See Exhibit # E Navient Letter. On XX/XX/XXXX I sent Application for Defense to Repayment ( DTR ) to Navient. See Exhibit # F Certified Mail Receipt and Exhibit # G Application for Defense of Repayment. Navient has not answered in a timely manner. One final concern, Navient was included as a creditor in Bankrupty in XXXX. Normally, student loans are not dischargeable through bankruptcy. However, since this loan amounts to a fraudulent loan, I believe an exception should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
We received unsolicited debits cards and checks from TD Bank.As stated, we did not request the cards or checks. 
On XXXX XXXX we contacted TDBank and spoke to the fraud department.They told us that the account associated with the cards and checks had been closed and that a " restriction '' was placed on anything with my name. 
We are extremely disappointed in the fact that TD Bank allowed the cards and checks to be sent to hundreds of people in an unsolicited fashion. 
The fact that our personal information was used caused us much trouble and XXXX and hope that TD Bank suffers from their greed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I took out a private education loan of {$18000.00} from XXXX. I was attending XXXX XXXX XXXX XXXX of California. The account was opened on this XX/XX/XXXX. It was a 120 month, 10 years loan. 

I was never late with payments. On XX/XX/XXXX -- I paid the full remaining balance of the loan. The account was officially closed XX/XX/XXXX. 

In XX/XX/XXXX, I received a notice from NELNET LOAN SERVICES INC saying I owed {$220.00} and {$150.00} on two private education loans, and that this money was due in 30 days. I had never received any notice from Nelnet before this, not heard of the company. 

I called Nelnet in XX/XX/XXXX, to be told that I owed this money still and that XXXX had closed and became Nelnet. I explained that i had paid my loan off full in XX/XX/XXXX, and they said I should call XXXX ( now XXXX ) for more information. 

I called XXXX, who said Nelnet should have any information on the account. I was told by Nelnet that they would send me all the information to clarify why these new charges had suddenly appeared 7 years after the full payment date. 

I called again on XX/XX/XXXX at XXXX XXXX and talked to another customer service agent on a recorded line and she also promised to send documentation on where this charge came from. I have not received this. 

She also said she wouldn't send the {$220.00} and {$150.00} charges to collections for 30 days until we received the written documentation, which I have not received either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo is the original mortgage provider for the property, purchased in XX/XX/XXXX. We refinanced with Wells Fargo in XX/XX/XXXX. In XX/XX/XXXX, we contacted Wells Fargo to refinance again, to use the accumulated equity as well as make changes to the title. We were provided erroneous information by Wells Fargo lending officer in XXXX XXXX, FL area ; per this person, quit claim deed was required prior to submitting mortgage refinance application. I contacted Wells Fargo national office, was told that previous information was wrong, and began the application process. 

I submitted all requested documents very quickly and there were no delays until the appraisal was ordered. It has taken several weeks for Wells Fargo to even schedule an appraisal. Then they sent an appraiser who was completely incompetent and so appraisal could not be used. Wells Fargo scheduled another appraisal, which again took weeks to be scheduled. Two delays, both caused by Wells Fargo, caused me to miss the deadline for submitting final documents required for closing. I was told that the deadline was on Monday, XX/XX/XXXX, but XXXX XXXX, FL area was affected by Hurricane XXXX and declared federal disaster area a few days prior to the deadline. There was widespread damage and no power at the house. I had to charge the phone in my car to even make a phone call to Wells Fargo, asking for an extension. They refused to grant an extension. 

In addition to misinformation, appraisal process delay, and failure to grant an extension due to the area being declared federal emergency zone, Wells Fargo also increased the interest rate, which was locked and guaranteed. Wells Fargo decided to classify the property as investment and raise the interest rate, even though the property is owner-occupied and, therefore, classified as second-home property. 

Even after the appraisal was completed, Wells Fargo failed to comply with federal requirement that appraisal report is released to the applicant within three days. It has taken almost two months and numerous requests to finally obtain an original copy of appraisal. 

Given the violations described above, the owner decided to apply for mortgage refinance with another lender. Wells Fargo is retaliating by refusing to completely release the appraisal. After numerous phone calls and email requests, Wells Fargo finally provided a letter stating that the other lender can use the appraisal. However, Wells Fargo is refusing to provide a statement that appraisal process was in compliance with AIR standards or send the appraisal report in XML format.

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 2017-07-10
Company: AMCOL Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt has been removed from my account on several occasions. The company can not verify debt and once it 's pass the allotted time to verify the debt is removed. The company then reinserts debt back onto all  XXXX  credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: AMERISAVE MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refi with Amerisave. My loan officer was XXXX XXXX. 
He said the only fwee I would need to pay in advance was the appraisal. I sent the {$500.00} for the appraisal, filled out the paperwork, and send in bank statements. 
XXXX would not call, email, or text me back. I got tired of this and cancelled the appraisal and loan process with a email to him. I still heard nothig from him for a week. 
I finally reached him by phone after many tries of calling, texting, and email. 
He then stated I would not get my appraisal fee back, and lied and said it was an application fee. He is clearly a liar, and a thief, and it's too bad he represents your company. 
He later admitted it was an appraisal fee because he finally sent an email saying he put in a request to refund the {$500.00}, but I don't believe a word he says after all this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-17
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I wrote a check ( # XXXX ) for {$4500.00} which was subsequently deposited and debited from my checking account on XX/XX/XXXX. On XX/XX/XXXX, the same check was again debited with the same amount from my checking account. At the time, I was starting a business and wearing many hats, I only noticed the error on XX/XX/XXXX, I contacted my bank ( CITIBANK ) bout the issue and they refunded within a week the amount that was debited twice. Again on XX/XX/XXXX, the bank debited {$45000.00} without consulting with me, putting my account in a negative balance. Following a dispute, they sent me a letter dated XX/XX/XXXX stating " We are attempting to collect the difference from the paying bank for check number XXXX which posted for {$4500.00} to your account on XX/XX/XXXX. Due to the time elapsed for your claim, we can not guarantee funds will be returned. ''

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 2017-11-14
Company: NAVY FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
From XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have been making unauthorized debts from my checking account every month totaling what I believe to be a total of {$930.00}. I contacted both companies XXXXXXXX XXXX and XXXX XXXX about the charges and they confirmed my verbal cancellation and my absence from the institution, they stated that a written confirmation was needed, which was not stated to me as I left the gym XX/XX/XXXX with the previous managers made aware of my cancellation. I contacted my banking institution Navy Federal Credit Union and they found the transactions and updated my bank account and billing information with the company without authorization. This was due to a previous incident with my identity being stolen and being issued several bank cards along with a new bank account number. Currently they are stating Regulation E which provides regulation of bank transfers. This however is not enough due to this account being updated by my bank Navy Federal Credit Union. My next step is to make a lawsuit involving all three parties Navy Federal Credit Union, 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 2017-11-14
Company: Credit Protection Association, L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive repeated harassing letters from Credit Protection Association after I have explained to them each time that I never received the phone services I am being billed for. They have said they will go back to the originating phone company but they have not.

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 2019-10-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have checked my credit reports ( XXXX, XXXX and Equifax ) and I have noticed that the account with XXXX XXXX closed in XX/XX/XXXX and last paid date on XX/XX/XXXX continues being reported on my credit history. It should not be longer in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
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:
Experian continues to report inaccurate, unvalidated information to my credit file. I have proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: 2288984 Ontario Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2019 I took out what I thought was a payday loan for {$520.00}. It turned out it was a line of credit in which this company expected me to pay {$66.00} bi weekly. Only {$20.00} of the {$130.00} would be applied to the principle balance which is Insane!!. This company has caused overdrafts to my bank account and financial stress. It is wrong for companies of this kind to take advantage of individuals who are experiencing financial hardships and add more financial crisis on customers. This company is a complete RIP Off!!. I spoke to them and they showed no empathy at all. They are harrassing me at home and even calling my work place. I fear of losing my job, due to the harrassing calls. I feel I have paid enough on this loan and haven't been given any credit. Now I'm being told I owe {$720.00} now even after my payments for the last 3 months. This company is a complete RIP OFF!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Navient Solutions, LLC.
State: SC
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 tried to get student loan forgiveness about two years ago and I was told I could not get my loans forgiven and they could not be included in my bankruptcy dated XX/XX/2012. I made the income contingency provided for my income but it was a struggle. Navient student loan services said there was nothing else they could do for me. I graduated from a reputable college but finances have been a challenge for many years. Either family or my health, there have been many issues. I have been through financial issues and now these pandemic years have brought to my knees. I owe approximately {$80000.00} and I have been out of college for over 27 years. I barely make {$40000.00} and hourly wages are not even {$18.00} PER HOUR. I have many health issues and two jobs would be risking my health. My monthly house and car payment are {$1000.00}, utilites insurances, next meds and I can not pay all the medical bills. What little XXXX I have, federal and state have depleted my funds, so I would not lose my home. I am literally begging for help. I have all documentation you may need to substantiate my claims.

Company response to consumer: Closed with explanation