BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-14
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a student loan through Navient. This company refuses to send payment coupons because they fraud their consumers and can collect more late fees. 
I mailed my XX/XX/XXXX payment. It was check number XXXX. It clear my bank on XX/XX/XXXX. 
I have uploaded three different bank statements to my Navient account. The third upload of proof of payment was on XX/XX/XXXX. 
On XXXX I spoke with XXXX ( XXXX ). She told me that my payment was located and that it would credited to my account that day. It still has not happened. 
The company started calling me and my husband about 4 times a day. We both spoke with them multiple times. 
On XX/XX/XXXX I spoke with XXXX. On XX/XX/XXXX I spoke with XXXX ( XXXX ). Both XXXX and XXXX told me my account would be corrected.

Today, XX/XX/18, I have received THREE emails from this company attempting to collect debt. 
I called again today. I spoke with XXXX ( XXXX ). She told me that transferred of my money to my account has not yet been approved. They took my money on XX/XX/XXXX and nearly one month later, despite hours on the phone, I STILL can not get an employee to fix my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: NJ
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:
The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have sent numerous request since XX/XX/2018, for the original documents showing they are authorize to collect this debt. As of today, I havent receive any response regarding verification of debt. Fed loans continue to report this debt to the credit bureau each month, thus affecting my ability to obtain credit due to the increase interest reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My third request in attempt to obtain verification from a debt collection agency about a consumer debt I'am disputing.. A certified letter ( was mailed on XX/XX/2020. As of to date, more than 30 days later, I have not received any correspondences from the debt collection agency.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX reported delinquency in XXXX to all credit bureaus while on forbearance causing a large credit score drop. A dispute was entered to all credit bureaus for corrections in XXXX being provided an expected resolution in XXXX. Negative reporting was removed however the amount of credit score deduction was not honored at the same value for credit score correction. I was informed by all credit bureaus that they had no control of the amount adjustment and there was nothing that could be done to rectify the issue. However directed me to the loan servicer which with the situation at hand has not been available to reach.

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, M ; XXXX, XXXX, M ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX AT T ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX CO XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: CAPITAL ONE 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:
I disputed 2 transactions so far with Capital one and it is unclear to me how exactly their dispute process work. In both instances, Ive been unsuccessful because apparently, I submitted the wrong documents, which Im still unclear what it was they were asking exactly. 
This complaint is regarding an XXXX booking where I only stayed for 6 hours and left because the place wasnt as described. The dispute process was started on XX/XX/2022 for the amount of XXXX. The original transaction was in the amount of {$610.00} however, I only received a partial refund from XXXX. I submitted all the required documents, as well as my exchanges with XXXX. According to the last agent ( a supervisor ) I spoke with about this case, I did not submit the proper receipt for my stay, which was an emailed receipt I received after booking the place. I was told that receipt wasnt accepted, and it was one of the reasons the case was dismissed. 

Prior to me speaking with this supervisor, I spent a couple of hours with another agent on XX/XX/2022 who took the time to actually look into the dispute. Once the agent learned that I only stayed at the XXXX for XXXX hours, she asked me to write a statement stating just that, because they have a policy where if I stayed for a full day, then my case would automatically be dismissed. As these calls are recorded, Im sure a recording of both conversations is available. I was expecting to win the case after submitting the statement as she had already reviewed all the previously submitted documents and everything seemed fine. To my surprise, I received a letter less than an hour after submitting stating that my case was dismissed because I did not submit the required documentation. 

There obviously is a disconnect within Capital Ones dispute department because I do not understand their process from asking me to submit a piece of documentation that is supposed help me win this case, to the said case being dismissed just an hour after submitting the requested documentation. My reason for submitting this complaint is just so that Capital One can enlighten me as to what exactly I missed and to also keep them honest because it looks to me that that they do not actually investigate any of the disputes I submit to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. XXXX XXXX XXXX account the was closed for XXXX XXXX XXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The same company named XXXX done three hard inquiries on my credit which means after they denied me credit they went back on my credit 2 more time which I didnt authorize and equifax reported 2 hard inquiries on back to back days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Continental Finance Company, LLC
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is from me talking to Continental Finance in XX/XX/2019 I asked how much to close out my Credit Card in full I was told I needed to pay {$320.00} which I paid. My monthly payments where {$35.00} which I did make a online payment of {$38.00} which would have went towards my monthly statement not according to them. I was told over and over my account was closed and paid off this is XX/XX/2019 they're now telling I owe them {$38.00} with monthly maintenance fees which {$170.00} they said was reversed they've been lying since I paid off the card in XXXX. A supervisor told me what happened apologized for my inconvenience and told me everything would be reversed nothing to worry about call back in 3 business days to make sure I was at a XXXX balance. I called back 3 days later to find out I have a charge of {$50.00} {$38.00} returned check 12 maintence feel I saw no reason after I already paid {$320.00} to pay off my card and multiple people in that company telling me I was paid in full and as I paid my matrix card off I was told I wouldn't inquire any fees which was another lie. And my is jacked up due to XXXX XXXX and their thieving ways. I read the reviews on company and their horrible. Idk what to bcuz I feel like when you're thinking your in the clear they come with outrageous fees quote.

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 2023-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX an advertisement was selling an item and requested a XXXX payment {$280.00} which I sent a XXXX transfer. Then the merchant stopped communicating with me immediately after receiving funds. We contacted the bank immediately and was told we needed to wait until the funds were Withdrawn to file a complaint. Bank Of America had us wait seven days before we can file the claim, they told us it takes three days to get an answer back. Three days later, we called the next agent told the seven days, we call back seven days later that AGENT told us it is always 10 days, call back 10 days later this final agent told us the max time they have is 45 days and it hasnt been 45 days, call back after 50 days by then we received a notice from Bank Of America that our claim was denied. We never received any documentation. Each agent told us we would receive an update on what they were doing the entire time, and we never received one document concerning any updates. I called the number on the letter like it stated to receive documentation and that agent told us that was the wrong information. We now need to call a new number she provided for us to call to receive our documents pertaining to the case and claim but the request had to be faxed to Bank Of America. I did that on XX/XX/XXXX and still today XX/XX/XXXX, no documents received from Bank Of America. Now we noticed yesterday, XX/XX/XXXX the bank now with you {$140.00} from my Account for overdraft fees in my dad account because claims he filed were pending and also denied, and he was fighting that with Bank of America, but they want their overdraft fees for my dad 's account, so theyre taking funds from my account to cover their fees.

Company response to consumer: In progress
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the fair credit report act XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 u.S.C 1681 section 602 A.states I have the rights to privacy. 15 U.S.C 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 a mortgage from XXXX originally. Then was bought by XXXX  XXXX XXXX after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. XXXX XXXX XXXX then the mortgage was then bought by XXXX XXXX XXXX, Again all my payments were made on time. I have documents proofing this. I asked Transunion, XXXX   and XXXX  and sent the documents that I have from my XXXX XXXX account proving the dates of payments. I received a letter back from Transunion that they would not change the lates on my report from both XXXX  XXXX XXXX and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either XXXX  XXXX XXXX or XXXX XXXX loans since 2012.

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 2020-11-06
Company: EQUIFAX, INC.
State: OH
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 have been in the hospital for the past few months and just came home yesterday with COVID and on life support. My husband tried calling XXXX XXXX to see what COVID protections there were. Since he was not on the account no one would talk to him. Now I have 60 days late on my credit report and who knows how much un fees!!! XXXX needs to fix this!! They need to remove the late reporting and waive the fees! Send me a bill of what I truly owe so I can find a way to pay!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Constant phone calls on my job. I have verbally ask them not to and my boss has complained about it to me. Effecting my work status. -- -Cash Central. Calls have also been made to friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Conn's, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XX/XX/2017 credit inquiry. I had applied for a checkings account and didnt know they would do a hard pull. 
XXXX XX/XX/2017 - XX/XX/2017 Conn Credit Corp XX/XX/2017 - XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Automated Accounts Management Services
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a XXXX XXXX  XXXX Veteran that is XXXX and XXXX. I had a medical incident and had to go to XXXX Hospital for treatment. They improperly registered me as a self pay patient. Instead of submitting the visit to VA. I found out that this was in collections when we went to by a property. I did try and negotiate a settlement with AAMS 2 years ago. AAMS told me that the was a medical bill from XXXX Hospital and the date of the visit. My wife and myself figured out what the situation was and contacted XXXX at XXXX Hospital, he is the person that handles these item. After several attempts I was able to talk to XXXX via phone, he informed me that it was an ER Visit and that they had me as Self Pay this is why it is in collections. I informed him that it should have been through VA and not self pay. XXXX informed me he would see what he could do. That was 4-5 months ago and he is not been returning my phone calls that I leave left a message for him trying to get a Status. This bill is still on my credit report and now say it is due to come off in about two years. This is not acceptable! XXXX Hospital is the one that made the mistake and should correct it. 
Buy not submitting this bill to VA they are trying to receive more money though self pay than they would though VA, as VA only pays the same rate as midi-care / midi-aid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: Siggi LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I paid off a loan in XXXX of 2022 and Omni keeps harassing me about a delinquent account. I just XXXX from the XXXX in XXXX of this year and they started harassing shortly after. Ive already disputed with them on this site about the SCRA lawsuit and I feel like this is retaliation by adding a ridiculous amount to an account that was closed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Capio Partners, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was in the hospital multiple times ( 3 ) i was not a minor, My father said he would have my bills put on his insurance and he was there 2 of the 3 times i was at XXXX XXXX   XXXX XXXX in XXXX Tn. The first time he went there and gave them the insurance card to get this resolved before they billed me. I have recieved multiple letters and calls from them stating that i owe XXXX . My father keeps telling me he will get this fixed but i just recently got approved for a credit card to start building credit, as im only XXXX years old and i allready have 3 derogatory marks due to this. I do not want this to hurt me or my credit, especially because i just started trying to build my credit. The dates are XX/XX/2018 for XXXX   . XX/XX/2018 for XXXX  . And XX/XX/2018 for XXXX  . If you could help me this would be awesome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 16 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-06
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
All hard inquiries on my credit profile are fraud and I dont recognize. Please dispute all hard inquiries to validate permissible purpose.

Company response to consumer: Closed with explanation