BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: Aqua Finance, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
This is not a vehicle it is a commercial trailer loan with a company called Aqua Finance, which i do already have a existing open loan since XXXX XXXX. Yesterday XXXX/XXXX/XXXX I applied for a additional loan through the funding company Rock Solid Funding that goes through Aqua Finance ( which again I have a open loan already with them on a trailer I purchased XXXX ) I got a email from the XXXX XXXX XXXX  that Aqua Finance denied me. I called Aqua finance today XXXX/XXXX/XXXX at XXXX ( eastern time ) I was on the phone for 41 minutes and got no where.I spoke to the lady who answered to find out why I was denied she said my account is past due, I explained to her it is not according to all the invoices/receipts she spoke to a supervisor and came back on the line and said due to that they denied me, I asked to speak to a supervisor ( XXXX ) I explained I am current according to all my bills since XXXX she transferred me over to billing, I spoke to XXXX she said she has a 3rd party billing and they always mess up and explained I had a payment due today which I was aware of and was to pay today ( which I did ) I asked XXXX so I am not past due she said No. I asked to be transferred back to ( XXXX ) the supervisor she then said the same things I said I need to talk to your Supervisor she got me on the phone with XXXX I explained the whole situation that I should not be denied for past due balance cause I am not, I told her that I have all emails, receipts, their invoices showing no past due etc.. She then stated we are not financing you due to late payments, I then got upset mentioned to her that I will contact FTC and who ever I need to since I feel this is a " false statement about the ability to offer a loan '' since I do not have a deliquent/past due. XXXX then changed why i got denied and said we are not approving you due to having to pay off exsisting loan which I then got angry with her and said oh now XXXX you are changing why I got denied after you and everyone else stated before I was denied for past/late charges which is incorrect!! She then had nothing further I told her I will forward all this proof over that I am not late/past due she then didnt want to speak to me further. 
I am so upset with how this is handled and how i am being falsely denied of this loan which is affecting y business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had a inquiry that showed up on my credit report, I found out via a alert from XXXX. 

I have not applied for any cards with XXXX XXXX and I contacted them the day I found out and they said they would remove. This was over 30 days ago so I need to take other action. This inquiry is adversely effecting me and trying to get a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I initially reached out to Optimum Outcomes on XXXX XX/XX/XXXX in regards to a medical debt. I requested documentation asking them to validate the debt that they are reporting to all 3 bureaus because there's a discrepancy in what they are reporting and what the original creditor ( the hospital ) is reporting. Optimum sent information about my hospital visit but the document was printed from their computer showing what they claimed to be the charges for my hospital visit. The document did not look legitimate and the amount owed does match what the hospital is reporting. They also didn't provide me with a HIPPA release form giving them permission to store any of my personal health information in their system. If they collect for medical debt, the very least that they should provide with all documentation is a signed HIPPA release form, otherwise, it's a HIPPA violation. They do not have my permission to maintain my personal health information in their company database.This creditor is not maintaining accurate or legal documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: BSI Financial Holdings, Inc.
State: MD
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:
Original lender XXXX XXXX up until XX/XX/XXXX ... bsi is reporting on my credit report that I was 120 days past due In XXXX and XXXX of XXXX please remove any late payment from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
abusive harassment calls, threaten and pry for private financial information. nasty and shameless.

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 2021-10-09
Company: EQUIFAX, INC.
State: MS
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:
Since XX/XX/2021 I have been sending disputes in to ALL 3 BUREAUS and they have failed to conduct an investigation and it has now been 3 months way passed the FCRA timeframe given to investigate at this point the bureaus are now in direct violation and need to permanently delete these items from my report from violating my consumer rights to conduct a proper investigation. Attached is every single dispute that has been sent to the bureaus to investigate. I have also attached my Driver 's License for proof of my identity. Please consider this my written authorization to conduct an investigation. I do not want to have to file a civil suit with a Consumer attorney because the bureaus refuse to do what is right by me as a consumer. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Security National Financial Corp
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We used Security National Mortgage ( A Team - XXXX XXXX ) because we were led to believe we would get some extra benefit for using the preferred lender of our home builder, XXXX XXXX. XXXX of the big considerations for us was that we were told that we would get {$5000.00} off of the purchase price of our home for using the lender. This benefit alone presented enough benefit to justify switching lenders. At closing on XX/XX/2021 we were told something completely different than what was explained and emailed to us. The purchase price was not adjusted. Our next concern is that we had a 100 % VA funded home loan and were told we would get our earnest money back because we were doing no down payment. Again, at closing on XX/XX/2021 we found that we were not getting our earnest money back. We were deceived and misled by our lender and proper disclosure was not provided about how the benefits would work. Had we known how this process was going to work we would have stayed with our original lender because there was no real cost saving for using the preferred lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Sent XXXX payment from my XXXX XXXX to tiaa bank- Filed report to tiaa bank that they never gave me my funds they said they didnt receive it from XXXX XXXX  so I filed report to XXXX XXXX and heres proof from XXXX that tiaa bank accepted it from their department. I want my money back XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Checking Account Ending In XXXX Dear Mr. XXXX : I am writing to respond to the complaint our office received from the Consumer Financial Protection Bureau ( CFPB ). I understand you expressed concern with a transaction from XXXX which was deducted from your checking account ending in XXXX on XX/XX/2019, in the amount of {$1000.00}. My attempt to contact you at your telephone number on file, XXXX, was unsuccessful. As such, I felt it best to communicate in writing. The Bank apologizes for any inconvenience you may have experienced as a result of not having access to your funds through TIAA Bank. Records confirm on XX/XX/2019, you initiated a XXXX transfer through your TIAA Bank account. Specifically you requested {$1000.00} to be deducted from your XXXX XXXX account ending in XXXX to be credited to your TIAA Bank the following day. Bank records confirm on XX/XX/2019, these funds were successfully transferred to your TIAA Bank account as requested. If the funds were never credited to your TIAA Bank account, we request you reach out to them as the XXXX transfer was initiated through TIAA OLB Money Request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX  XXXX XXXX Account Number : XXXX 2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX 3. Identity Theft XXXX XXXX Account Number : XXXX 4. Identity Theft XXXX  XXXX Account Number : XXXX 5. Identity Theft XXXX  XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Kentucky Higher Education Assistance Authority
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My entire federal income tax refund of {$930.00} was garnished after after the law was placed to stop garnishment because of the economic crisis the pandemic has caused. I received a letter from the education department explaining the new law and they still garnished my tax refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: EQUIFAX, 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:
three XXXX XXXX XXXX accounts and one XXXX accounts is being reported under my name with equifax credit reporting agencies. 
these are fraud account and not mine, its says it was attached to a bankruptcy, but i never even had a bankruptcy in my life, and these accounts are attached to a bankruptcy which i never had. 
i will be attaching the some documents that i provided equifax as well such as my police report and the FTC report please find attached thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: TX
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:
sent double social that was on report

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 2017-11-29
Company: ARC Management Group, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Recived a phone call from ARC Management group about a medical debt, during intitial communication with there representative on XXXX it was stated that my medical insurance had declined the original claim and it had been given to them to collect. I informed them it was a mistake and I would contact my insurance agency XXXX to fix the problem. To which they requested a call back after. Contacted my insurance got it resolved and they said the claim would be fixed. Upon calling ARC Management group back I was handled by a separate representative who when I attempted to explain my coverage was good and the debt would be paid. I was told No that it was a deductible and it must be paid today or it would impact my credit. I responded with no it was miss filled and I had already paid my copay for services that as soon as my insurance handled the claim they would be paid. To which I was told that it was amazing that I hadnt already been reported to the credit bureau and if I didnt get my insurance agency on a conference call or get them a fax with promise of payment that i was required to make a payment myself immediately or my credit would be affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
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:
XXXX  ; Experian and XXXX  should not be reporting a collection in the amount of {$11000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Payments are automatically being deducted bi-monthly. I have attached ( 3 ) documents the first document is an accounting from the Florida Department of Revenue from XXXX to XXXX showing every bi-monthly payment that has been made and continues to be made to date. The second document attached is from the US Department of Treasury showing a payment of {$4100.00} made on XXXX and a payment of {$420.00} on XXXX. These are additional payments that had been made as well. The third document is showing the additional payments that are being made in arrears. The current balance reporting is incorrect in addition, because payments are being made, the coding of this line item needs to be changed to a 01 and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful. XXXX anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had a inquiry that showed up on my credit report, I found out via a alert from XXXX. 

I have not applied for any cards with chase and I contacted them the day I found out and they said they would remove. This was over 30 days ago so I need to take other action. This inquiry is adversely effecting me and trying to get a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid my account with XXXX  off and it was closed per my request, Transunion is reporting a charge-off which is incorrect! Ive disputed the account and its been corrected on XXXX end but Transunion is not Displaying it correctly.

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX  ; XXXX  and Transunion should not be reporting a collection in the amount of {$11000.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) Payments are automatically being deducted bi-monthly. I have attached ( 3 ) documents the first document is an accounting from the Florida  Department of Revenue from XXXX to XXXX showing every bi-monthly payment that has been made and continues to be made to date. The second document attached is from the US Department of Treasury showing a payment of {$4100.00} made on XXXX and a payment of {$420.00} on XXXX. These are additional payments that had been made as well. The third document is showing the additional payments that are being made in arrears. The current balance reporting is incorrect in addition, because payments are being made, the coding of this line item needs to be changed to a 01 and should not be reporting as a collection. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful. XXXX anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
For the last ten years, I have faithfully made each of my student loan payments while following all of the prescribed guidelines to fulfill the requirements to qualify for the Public Service Loan Forgiveness Program ( PSLF ). After successfully completing the required 120 payments, and submitting the proper paperwork to FedLoan servicing I have received non-answers or have been given conflicting information regarding the status of my application for forgiveness. Since XX/XX/2019, I have been working with FedLoan to have my loans processed and forgiven. For four months, it appears that no meaningful work was completed and only as of XX/XX/2019 was my information sent to the Department of Education for further processing. The lack of clear communication between FedLoan and the Department of Education is beyond frustrating. And to add to the frustration, when speaking to representatives with either FedLoan or the Department of Education ( Federal Student Aid ) they say that the other office/department is responsible for the processing of my application for PSLF. This whole situation is extremely frustrating, for 120 months I have done my part and lived up to my end of the bargain regarding PSLF and now that I have surpassed the 120 payment mark, I have been left to hang out in the wind. I can get no information as to the status of my application and when I can anticipate a payoff date. I am trapped in my current job because, due to the requirements, I have to remain employed by a non-profit organization to receive the payoff via PSLF. This entrapment is now having a financial impact on my longtime earnings potential. I need to know when my loans will be forgiven!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
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: Account status incorrect

Complaint:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.

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 2021-02-02
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, I hope all is well. 

I have one account with Nelnet that has reported my account as " current '' one month, then on month later, reports as " 90 days late '', then reports as " 120 days late '' the following month before reporting as current again durning the following 4th mont ( Current - 90 Days Late - 120 Days Late - Current ). This has happend on three separate occasions : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I log into my account, the latest account information dates back to XXXX XXXX XXXX ( Attached ). When I call to get information that dates back further, I am told that it is not available, which makes it impossible for THEM to furnish this inoformation to others. 

I have asked for a correction with through mail, email, calls to representatives who can not make changes even at the supervisory level which is the highest level you can get to in a call. 

LASTLY, this ONE account reports as 15 different accounts. Which means I now have 75+ negative incorrect reports from a Nelnet which can not provide information/proof explaining how I can I can go from " current '' to " 90 Days Late '' from one month to the other. 

Any help or clarity given would be really appreciated. 

All the best, XXXX XXXX

Company response to consumer: Closed with explanation