BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I co signed for a rental property with cherry chill properties in XXXX and was told my name would be removed from the lease after a year. My mother which is XXXX XXXX passed the following year in XXXX of XXXX. I informed XXXX hill properties of what happened and notified them that I would be moving. I also stated that my sister and brother would still be there and was told that they could live there under my moms name if they paid the rent and to give a 30 notice by email, which I did. I moved XXXX XXXX. I still kept communicating with XXXX XXXX XXXX to make the payments as I received the money while they were still in the property. After they moved which was XXXX XXXX I notified cherry hill properties by email. They were emailed before the XXXX. With no response I emailed them after the keys were left in the mailbox and the property was vacant. I received a email about charges that occurred after I notified them that the damages were there about the basement while staying in the property and no one ever came to fix that. I still have the pictures of the damages. I never received anything about a court date before the garnishment of my wages so I wouldnt be able to respond to something that I did not receive. I was never notified of anything. By the time I received a notification my wages were already garnished which cause me to fall behind on my bills at my apartment. I have my lease from when I moved in XXXX as well as a 30 day notice by email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRUIST FINANCIAL CORPORATION
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I put my loan in forbearance offered under cares act during the pandemic and the bank has jacked up the amount to high than it was before. 
I need an explanation because I understood that under the cares act there should not be any interest charges for the loan during the forbearance period. 
The bank has charged me XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/21 I mailed a certified letter to Equifax ( USPS tracking number XXXX-delivered on XX/XX/21 ) demanding that the only information on my credit report should be my current address. I just looked at my report and noticed they have an erroneous address listed along side my current address. IT NEEDS REMOVED IMMEDIATELY. Why are they not following the FCRA? This request was made due to me being involved in numerous data breaches and concerns of identity theft. I will attach my letter sent to them, the erroneous address showing on my report, and the confirmation the letter was sent via Certified Mail and delivered. My " formerly known as '' name is also erroneous and needs immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
This was not sent in error. I am a consumer by law and in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results or been notified on my investigation status making my credit report not 100 % accurate

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 2017-10-04
Company: DataMax Corporation
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This was apparently charged to me for a doctors visit while I was in XXXX XXXX, but the doctor seems to have a private medical firm outside of that company, which he bills separately to his own practice. 

These services were never requested and I tried to deny services and leave before I was ever given services. Unless I complied with what they wanted me to do, I was not able to leave-again, this service was forced on me and I was never told the doctors visit in XXXX XXXX was going to be billed from another practice. 

I denied these services multiple times and wad forced to sign papers or be locked up in the hospital. If they considered me not well enough to leave and make my own decisions, then any agreement made during those times are no longer valid, as they were signed under emotional distress by someone not capable of thinking clearly and were forced services. I should not be held accountable for this bill given the medical staff kept me there due to their opinion I was not in a sane frame of mind, which means I did n't understand what I was signing other than I wanted to get out as the treatment there is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Contacted Synchrony BankXXXX and PayPaXXXX XXXX on XX/XX/21 to inquire about temporary relief due to financial hardship resulting from Covid 19 . I was told there are no programs available to assist with temporary financial hardship at this time. I have never been in default with any lender/credit card company, yet my efforts to avoid default during this temporary financial hardship is being met with zero assistance to avoid default.

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 2021-04-13
Company: AES/PHEAA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
There are XXXX accounts i have with fedloan servicing and the accounts show late payments on my credit report. I had talked to the Fedloan Servicing employee at the time and they said that they have noted the account with the financial difficulty and that there will be no negative reporting to credit agencies. Few month later The negative report showed up on my credit report, i have tried multiple times to contact them to resolve the issue and every time they deny the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I notified XXXX XXXX  on or about XX/XX/XXXX of 2020 that I switched auto insurance companies. My new policy started on XXXX XXXX on XX/XX/XXXX I received a notice of cancelation in the amount of {$740.00}. On 2020 XXXX it reported on my credit report I owed {$3300.00}. I have reached out to XXXX XXXX  via phone and email I sent all the docs that they stated they need to resolve this problem. I talk to one person a supervisor who stated it was resolved and my balance was zero only to receive a email saying they need more details this one states they need copy of all my insurance for the past two years. No problem I sent it still no action has been taken to remove this item from my credit report. This is hurting my score and as a result cause financial pain to my family.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Professional Credit Analysts of MN, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a letter from Professional Credit Analysts of Minnesota alledging that I owe a debt of XXXX to XXXX XXXX XXXX. This letter was dated XXXX/XXXX/XXXX. I decided to respond in writing as I need validation and verification for this alleged debt. Today, XXXX/XXXX/XXXX I received a call from someone who identified himself I believe as " XXXX '' I believe he said. His name was hard to catch because he was talking fast in the beginning of the call. He stated that he was calling in reference to this debt. I said " ok '' and he gave me the amount. I said " I 'll be responding in writing '' He started yelling at me, he said " We are a collection agency your writing wo n't do anything! '' I again said, " I 'll be responding in writing ''. Then he yelled again and said " So are you refusing to pay me?? '' I again said, I 'll be responding in writing, thank you for your call today. '' and I hung up. I thought that was very unprofessional the way he yelled and that he used the language " are you refusing to pay me? '' since clearly if I do owe this debt it is to the company he represents not to him personally. How can he say my writing will do nothing when the letter they personally send says things like " If you request this office in writing within 30 days after receiving this notice ... '' Completely rude and blatant harassment!

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 2017-08-10
Company: Navient Solutions, LLC.
State: MD
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 called Navient last year around approximately XXXX  XXXX XXXX to consider me for income based repayment. They told me to let my cosigner pay my bills. I talked to the collection department at XXXX. Then I called last week on XXXX/XXXX/XXXX to request copies of my promissory note because I was concerned about the recent interest rates hikes coinciding at the same time I am over paying to bring down the debt. I told Navient it is very suspicious that in the past my payments did not increase but when I start paying more, my payments increased. They told me it was due to " libor rate '' I asked why the libor rate was not used in the past but only when I start making extra payments. They said they will send me information on libor rate in the mail and so am still waiting for a copy of my promissory note. In less than 6 months my interest rate increased. In XXXX XXXX, the rate was 9.375 %. Then in XXXX XXXX it was 9.62 %, Then in XXXX XXXX it was increased to 9.75 %, Then in XXXX XXXX it increased to 9.85 %, then in XXXX XXXX increased to 10 %. It is intersting to note that this libor rate coincides with me trying to pay more than my minimum payment to bring down my debt. The rate at which this libor rate according to Navient is going, I personally do not see how I can pay down this debt. The more I pay, the more Interest rates hike by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: BARCLAYS BANK DELAWARE
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
In checking my credit cards accounts ( which i do regularly ) i noticed a charge on my Barclay card account ending in XXXX for XXXX  on XX/XX/XXXX. I have not used my card in over six months. When i went to check where I keep my credit cards in my desk i could not locate the card. I should also add that i hired a professional moving company in XX/XX/XXXX when I moved residences and it is possible someone from the moving company could have taken the card from my desk.Since i couldn't find a number to call to report the card lost/stolen I checked the online transaction and it said I needed to fill out a written dispute and send it to their address in Delaware. I did so immediately. 

Today I received ( 2 ) different computer generated letters from Barclays. One letter said they can not assist me and to call the number on the back of my card to speak with an associate ( I don't have the card ). The second letter said they were beginning an investigation. I don't know which letter to believe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24
Company: GOLDMAN SACHS BANK USA
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan with Goldman Sachs on XX/XX/20, I paid off the loan on XX/XX/20. It was for XXXX and needed an additional XXXX per the rejection letter it says that I have an existing loan and the time is too recent. When I called for additional information because the letter is not clear. No one can give me explanation and I am trying to find out. They just saying that they would escalate the issue but nobody is doing what they saying they going to do. They are saying its a system issues but the sales reps can fix. I called them the company on XX/XX/20, XX/XX/20 and XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: GVA Holdings, LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2019, I took out a payday loan from Green Trust. I have taken payday loans before and did not fully look over the agreements, thinking this one would be similar to ones I'd gotten before. I was dead wrong. The interest rates are criminally high at 675 % APR. Basically, I got very sick recently with my XXXX XXXX XXXX and needed money. Looking back now, I don't know how they approved me because I already had out two previous outstanding/unpaid loans. This is over my state 's ( Oklahoma ) limit for the  number of loans you can have out. So I don't think they verify anyone 's ability to pay : they're just trying to trap people in long-term, insanely high-interest loans. The more I looked, it seems like this a " tribal payday lending '' scam. I'd like to see first if all of this is even legal before I try contacting them to sort anything out. Thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax has refuse to investigate the collection that's on my account open XX/XX/2017 for {$290.00} with XXXX XXXX nor has provided any written proof, my signature, picture or anything to tie me to this fraudulent account. My identity has been compromised and used for medical purposes. This is the only negative account I have on my credit report without validation. This a defamation of character and willful injury. This is also a violation by FCRA section 623 also section 609 states upon request they are required to provided information as requested to prove the account is your. This has not been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-22
Company: Factor Trust
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The fax number to reach XXXX either directly or though Factor Trust ( a wholly owned subsidiary of XXXX  ) is no longer working. 

I called and was unable to get through to a live rep at XXXX however I have spoken to a representative at Factor Trust and they state the no longer accept information by fax as it states on their submission page here : https : //www.factortrust.com/Consumer/ReportRequest.aspx They have stated that the only way to provide documentation now is by mail. 

I'm a member of a large consumer advocacy group and we are seeing 100 's of complaints by consumers whose letters and disputes to the bureaus are going unanswered. 

Faxing a letter is the best way to hold the bureaus accountable next to mailing the letter certified mail which costs upwards of {$5.00} that many of us don't have to squander. 

The Credit Bureaus should be required to maintain all viable means of communication. 

And when nearly a quarter of the population does not have access to reliable internet, fax is the only reliable means to send information quickly with proof of confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX XXXX XXXX, I requested my XXXX XXXX XXXX  account to be closed but the company refused. They kept my account open to keep assessing fees.
This is a travesty and this practice should not be allowed. I have been assessed hundreds of dollars in late fees, overdraft fees etc.
The account should have been closed in 2016.
amount XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-10
Company: Experian Information Solutions Inc.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I canceled my Experian Credit membership on XX/XX/XXXX and still are being charged {$24.00} each month. I have tried to call experian and they told me I don't have account and it is not possible for me to be charged for this service. But every month I have to call XXXX card and dispute the charges. The charges have been removed from up to XX/XX/XXXX. I sent a letter to experian on XX/XX/XXXX, in regards to these charges. Included with letter was a copy of the cancelation of my membership. Experian asked for me to send them proof that the charges were being charged to my credit card. I have also received out to XXXX card, XXXX and XXXX I called XXXX requesting to put a freeze on this account so no charges could be made. However the charges are still being put on my account. In XXXX I called XXXX again and their suggestion was to close that card and reissue me another card and I was assured at that time, that would fix the issue. But once again the charges from experian were on processed on XX/XX/XXXX. When I called XXXX card they said I would have to contact experian. I have tried several times today and got someone and was disconnected after a few minutes. Tried several more times and can only reach a recording and then it hangs up on me. Please help with this issue.

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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have sent in several disputes, FTC 's letters. I have called many times to resolve these issues with the creditor and credit bureaus. I have been told that the supporting documents that I have sent in have been thrown out serval times. There have been re-investigations multiple times with no resolutions it has been well over 45 days I have also ask for verification of how they have validated these accounts and I have gotten no proof and no responses on how the credit reporting agencies have validated these fraudulent and inaccurate accounts at this point I have contacted my attorney XXXX XXXX as he will be representing me on my behalf due to the failure of the deletion and removal of these fraudulent and inaccurate accounts from my credit report as well as the credit reporting agencies absolutely disregarding the FCRA LAW AND CFPB LAW.

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 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX, we filed a complaint against XXXX XXXXXXXX XXXX   because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.

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 2022-04-06
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXviolated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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