BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-07
Company: Navient Solutions, LLC.
State: AL
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 had many occassions when I asked for relief on my loans and was offered forbearance instead of deferment which caused my student loan debt to go over 200,000.00 which caused me tremendous XXXX XXXX  and financial problems before I was able to finally have these loans forgiven due to XXXX. This occurred approximately between XXXX-XXXX. I was also offered a extremely huge payment for an income repayment plan that I was told was all I qualified for. This process of being offered options that were not affordable for many years was vey stressful, discouraging, and hurtful financially. We had to file bankruptcy many times over these years due to student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 FAIR CREDIT REPORTING ACT ECSI/KEISER UNIVERSITY ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
i had a fraudulent check taken out of my account for XXXX. i have original check and blank duplicate check. ive told the bank its a fake check. There are 3 easily spotted differences but i still have zero communication. my check has a picture of a camera. thats not there on fake chk. secondly, the word date is under the line where the date is. lastly, the check is bold on just my name but fake one the name and my address is all bold. 
the check was wriiten on XXXX, deposited by mobile deposit to XXXX on XXXX. on XXXX XXXX looked at account and called fraud dept with both bank of america and XXXX where check was deposited. 
bank of america fraud - keisha XXXX claim # XXXX XXXX XXXX XXXX XXXX / XXXX XXXX said she was who i spoke to at XXXX to speak on the fradulant deposit. she said they were putting a hold on the money and she told me to do a stop payment on ck # XXXX i did stop payment on XXXX with bank of america and provided bank of america XXXX tel with XXXX fraud dept # XXXX im super frustrated because its obvious its a fake check and the bank is telling it could be 60 days before they make a decision wether i get my money back. this is rediculous. they have given zero information and i want my XXXX of my money back in my account. i hold for over 2 hours and none can tell me anything. 
police case # XXXX XXXX county XXXX XXXX XXXX i can email copy of blank check, fraudulent cleared check, bank print out showing money coming out of my account. I think i got XXXX  fraud dept to freeze money. 
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 2018-01-23
Company: Perfection Collection
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company "Perfection Collection” XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX is has been reporting an alleged debt on my credit file, that is inaccurate and unenforceable. They are a third-party purchaser I notified them in writing on XX/XX/XXXX to remove the information. They are still reporting the debt as open contract that begun in XX/XX/XXXX, when in fact this contract begun XX/XX/XXXX (see attached). In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment (OCGA 9-3-24). The Fair Credit Reporting Act, or FCRA states that most negative items must be removed from your credit report seven years from the first date of delinquency. This account is (14) years old there's hasn't been any payments made on this account since XX/XX/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 2022-03-04
Company: World Acceptance Corporation
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: Account information incorrect

Complaint:
I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : WORLD FINANCE CO ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: FL
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 FAIR CREDIT REPORTING ACT ECSI/KEISER UNIVERSITY ACCOUNT XXXX XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am very frustrated with all XXXX reporting companies. I pay good money every month to monitor my reports and what I find is that the information and credit score I get is not what a creditor gets when I apply for credit. Why since I pay my taxes and you are in business to stop this bad reporting am I still seeing this. It is your job to make sure there companies report to me the same thing they show potential creditors. Fair reporting should mean I see what they see but that is not happening at all. I know this to be true because I look at my report then apply for credit and with in a day I get a response from the creditor telling me my report does not say what they showed me it said. FAIR and CORRECT reporting should happen ALL THE 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 2017-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am very frustrated with all XXXX reporting companies. I pay good money every month to monitor my reports and what I find is that the information and credit score I get is not what a creditor gets when I apply for credit. Why since I pay my taxes and you are in business to stop this bad reporting am I still seeing this. It is your job to make sure there companies report to me the same thing they show potential creditors. Fair reporting should mean I see what they see but that is not happening at all. I know this to be true because I look at my report then apply for credit and with in a day I get a response from the creditor telling me my report does not say what they showed me it said. FAIR and CORRECT reporting should happen ALL THE 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 2019-08-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Chase is making a change to its existing policy, forcing arbitration. I believed I was covered under the Military Lending Act but Chase said I do not qualify for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Called a TD bank rep and they told me that I was not allowed to deposit my own money into an online currency exchange. I demanded they allow me access to my money and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX This is the complaints against American Express XXXX XXXX XXXX XXXX credit card. I closed my account and canceled the credit card on XXXX. I cleared all the debts and they agreed to close my account. 
Then I got payment reminder from XXXX in XXXX for some unpaid balance. I called them to inquire about it and they fixed the issue and confirmed they will close the account. It happened again in XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. I had to call XXXX all these months and spent lot of time talking to Representatives. In XXXX XXXX it happened again, then I called and clearly told XXXX reps that I will file complaints and shall my lawyers include in this matter. They fixed the issue in XXXX over the phone and confirmed it will not happen again. I still receive an Emails and Mails regarding unsettled balance again from XXXX, XXXX, XXXX, XXXX and XXXX. Now I am receiving an Mail from XXXX XXXX XXXX to pay the debts which I do not own at all. Now my credit score is getting affected. who is responsible for this? 
It is very disturbing for me. how many times I should settle this issue with them? it is total harassment and mental stress to keep calling XXXX for same issue again and again. I do not have time for all of this every month and I already wasted enough time this year for same issue. It is very frustrating that they do not take critical steps for this kind of situation Attached one PDF regarding XXXX payment reminder recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: General Motors Financial Company, 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: Account status incorrect

Complaint:
My auto loan payment was due on XX/XX/XXXX. I missed that due date but ended up making my payment for the months of XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX in the amount of XXXX. I used the link provided on the website when I logged into my GM Financial account, selected payment option for electronic check, and submitted the payment. I received a confirmation from XXXX XXXX XXXX XXXX that my payment had bee submitted. A couple of months later while reviewing my credit reports, I noticed a major drop in my credit score and that the account had been reported as a 30 day late. I initiated a dispute because I believed my payment made it in time. The results of my dispute were not satisfactory to me. I left it alone and refinanced the loan with a different bank. Recently, I initiated the process of trying to obtain a home loan and the lender advised me that my GM account was an issue that needed to be resolved. I reached out to XXXX to request they remove the late and the response was once again negative. I still have the derogatory marks on my credit report stating I 'm late on payments which has decreased my credit score. This has caused me to get credit and loans over the past 2.5 years at higher interest rates than I would have if the information was accurate. I am getting the runaround from GM Financial and no resolution has been given.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Ad Astra Recovery Services Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The original debt was with Payday loan. It was taken over with Ad Astra. I originally provided a fully filled out check for the pay back to Payday loan which they apparently did not cash. It was at least a couple of years before I realized I had a problem. And Astra is on my credit report as a judgement even though the statute in California is four years and has clearly been over for a while. When will this issue be removed from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: AFNI INC.
State: MI
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 not had an account with XXXX XXXX. I have been XXXX since 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: FL
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 FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Experian Information Solutions Inc.
State: AZ
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 keep send my letters in about my account that dose not belong to me at all i have sent two letters in all ready about this Situation on XXXX of 2019 and XXXX, XXXX 2019 these are the account dose not Belong to me at all. 

XXXXXXXX XXXX Never had this card or account XXXX XXXX Never had this card or account XXXX  XXXX / card Never had this card or 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 2018-01-13
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On or aboutXX/XX/XXXX I contacted Quicken Loans on line. Explained my situation. Family buying home from family. Home worth alot more than money needed. I wanted to buy my house from my parents. They owed XXXX XXXX XXXX and wanted to get some money out of it for travel. I explained this to mortgage banker. She told me that we could use equity to pay off XXXX XXXX and money that i would borrow would go to them. " they will walk away with 35 thousand+ '' I understood that the equity would pay off XXXX XXXX pay closing costs and I would have my house back and they would have 35 thousand + to do what they wanted. I uploaded all required documents in the following days. We needed a new survey we need an appraisal house came in at XXXX XXXX. Quicken Loans gets a house worth XXXX XXXX for the XXXX that I borrowed and my parents got {$4900.00}. This was not was we were lead to believe. Quicken Loans lied to me, said that we would have 35+thousand dollars in cash and I would have a loan for my home. I feel like it smells a little like fraud. Spoke to Executive Dept at Quicken Loans and he says there is nothing they can do. Yes there is. They can do what they said that they would do and give me 35+thousand dollars for my parents.. They are the EXPERTS. Give me ALL the FACTS and be transparent. Do n't lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Local Data Recovery, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On or about XX/XX/2019 I and my wife started to receive persistent calls from Local Data Recovery from phone # XXXX. My requests to cease calling us was ignored.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-13
Company: EQUIFAX, 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:
To CFPB This complaint involves Equifax who, after my many attempts to resolve an issue with inaccurate inquiries ( XXXX XXXX ), Equifax seems to think that they can continue to bull doze their will on me by allowing this nonsensical, erroneous reporting hurting my credit report. I did not give any one at XXXX XXXX permission to look into my credit report for any reason. Yet, Equifax seems to think that they can continue their non compliance of the FCRA and other laws that govern reporting. 
I am here by filing this complaint against Equifax and request that CFPB fine them accordingly if they do not comply with the law. 
I repeat, I did not request or give permission to any one at XXXX XXXX to look into my report therefore, please enforce the law on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-15
Company: Comerica
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Scammers got a hold of my account they took most of my social security benefit in XXXX of 2021 I contacted the Direct Express Debit Card Company it takes an hour and a half to reach somebody I've attempted to reach them on multiple occasions having to wait an hour and a half each time on several occasions I was hung up on after waiting an hour and a half. I told them someone had fraudulently taking my money out of my account. They told me that they were going to send me a a fraud form and that I had to return it within 10 days. I actually got the Form on the XXXX day. I had to rush out and complete the form and fax it back to them. After doing all that and telling them the information that they requested they denied my claim, saying that I authorized someone to use my card. There's no way that a social security recipient would use XXXX XXXX in the amount of {$1300.00}. They were rude not caring and I find that they have XXXX XXXX  XXXX XXXX  reports about their business ethics. They need to be reviewed because most of the clients are social security recipients and we need our money and there's no way we're going to spend that amount of money on whatever XXXX XXXX is. 
It's not fair and if there's so many complaints against them somebody needs to look into this. They are scammed like the people that took my money. They ate fica insured, and they are responsible for thoroughly investigating matters of this type. I asked for them to provide documentation and they hung up on me. I am mailing you my documentation. PLEASE LOOK AT ALL OF THE COMPLAINTS. Social makes us sign up for Direct express, it's not fair that they scam us and nothing is done about it. Kinda of makes you feel that they are in on the scam.

Company response to consumer: Closed with monetary relief