BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: Navient Solutions, LLC.
State: MS
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 graduated in XXXX and started making payments shortly thereafter. I was a single mom going through a divorce and had a hard time making payments a couple times. I think the total I borrowed was {$23000.00}. 
Starting in XX/XX/XXXX to XX/XX/XXXX I paid {$300.00} per month. From XX/XX/XXXX to XX/XX/XXXX I paid {$350.00} per month. Just in the total amount of money I've sent them without interest that exceeds what I borrowed. 
I have tried to figure out how they have handled the money I sent them from XXXX to XXXX, but I can't figure it out. Many years ago I tried to talk to them on the phone but all the response I could get was " it is interest, it is interest, '' from someone in a foreign accent. 
I am XXXX and am retiring at the end of XXXX, from the XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX and I am a veteran. I haven't qualified for any of the forgiveness programs I applied for over the years. I don't even know where to begin to find out if my loan has been mishandled. 
Please help so I don't have to continue paying this from my social security check. 
Thank you so much for your time. 

PS : I was stationed at XX/XX/XXXX and XXXX XXXX XXXX. In the XXXX I was stationed at XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company reports that they hired a private investigator to contact me. This PI contacted 3 of my family members at their place of employment. The PI disclosed that I was being sued for debt and demanded that they provide her with personal, identifying information. She called my brother-in-law, a XXXX for a police department, 6 times on his work cell phone. He was obligated to answer as he thought these calls were work related. These calls were inappropriate and interfered with his ability to perform his work duties. These calls also placed him at risk during an already risky occupation. The woman was harassing multiple family members by calling them at least three times while they were at work. She also called my terminally ill parent and scared them. Over 25 calls were made within a three hour window on XX/XX/18. I called the company to file a formal complaint and the first woman hung up on me ; I called back and a gentleman said they can not do that. They would not release the information of this woman ( PI ) and they would not allow me to speak with someone in charge. Additionally, they did not have valid or updated information which was why they were unable to contact me. This company uses fear tactics, harassment, and shame to pressure people into releasing personal information. Their tactics are harmful to people who are already in an unstable situation. Please note that when I was actually contacted and made aware, this debt was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I, XXXX, was trying to electronically send {$880.00} to XXXX XXXX XXXX credit card from my Truist Checking account. By a misplacement of decimal point, Truist sent {$88000.00} to XXXX XXXX XXXX. Because I did not have enough to cover the error, only everything I had, I am overdrawn at Truist by over {$32000.00}. After 7 trips to several XXXX offices and countless phone calls, and after 45 days, XXXX sent the money back to Truist on XX/XX/XXXX. However, Truist has lost the money in transition. Being in that amount of debt and unable to pay bills for this long, has destroyed my lifetime of perfect credit. No one at Truist has any Idea what to do. They continue to push me off, day by day. I am reasonably certain that this issue could go unresolved another two months at least, if not forever. Please help, this has ruined my life.

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 2018-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
please i had Fraud Alert on my credit Report and i received Alert email from XXXX XXXX someone applied for some Credit type and already contact bank of america and complaint and deactivate credit card to replace and change user and password and now i'm asking to remove Unauthorized hard inquiries from my report XXXX XXXX XXXX XXXX - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 due to Unauthorized and Fraud alert already on my report sine two month ago and i already contact them

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 2020-04-02
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: Account status incorrect

Complaint:
XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Ability Recovery Services, LLC
State: MS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX violated my rights as a federally protected consumer. Pursuant to 15 U.S. Code 1692c ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Upon reaching out to them, I requested VALIDATION of the ALLEGED debt. In return I received VERIFICATION the ALLEGED debt. Pursuant to 15 U.S. Code 1692c ( b ) I demand that XXXX XXXX cease any and all communication with myself and ABILITY RECOVERY SERVICES and the 3 major credit reporting agencies. I also demand that the account is removed from my credit 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 explanation
Consumer complaint received 2020-05-25
Company: National Credit Systems,Inc.
State: OK
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 satisfied my account with National Credit Systems in full in XXXX of 2019. I received written confirmation of this dated XX/XX/2019. The account is still reflecting a balance of {$1300.00} with all credit reporting agencies. I have contacted National Credit Systems of this issue and received no resolution. So I have disputed the inaccurate information with all 3 major bureaus. Most recently XXXX  has replied to my dispute stating that the information is being reported accurately and that it will not be updating the information even though I attached National Credit System 's letter with my dispute stating that the account has been settled in full and now has a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The IRS has attempted several times to deposit my stimulus check into my Bluebird account, but Bluebird rejects it every time with a message to contact the IRS. Contact the IRS?? Seriously?? Why won't they deposit my money??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
For many months I did not realize or check my credit reports until one day I was called by one of the companies about a 'new card I had opened up '' To my surpise I didnt realize my identity was pretty much stolen and I was a victim of fraud. And later when I checked my credit report there were several inquiries I had not recognized!! 

The crazy thing is that I reported all of this months ago and the companies assured me they would be removed from my account but somehow the credit pull is still on my account after several months!! 

This is very ludacris I have to go to such extents to protect myself. This has hurt my chances of buying a house and I am tired of this.

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 2020-09-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, Please reference CFPB # XXXX. It has been over 30 days for this investigation and there is still no supporting documents for this BK. Per the Fair Act this public record needs to removed or XXXX, Equifax and XXXX are in the violation. 

I have all of the documents and certified mail I sent over to XXXX, Equifax and XXXX I'm sending a copy of all the mail to XXXX XXXX XXXX, which I will higher to address this concerns as he is the attorney that sued for millions of dollars. I'm sure he this case for sure. 


Public Record : US BKPT CT OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Gatestone & Co. International Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My husbands company, Mr. XXXX XXXX was sold to another individual and Mr. XXXX XXXX was closed in XX/XX/XXXX. They had a debit card through XXXX Banking that was also closed at the time of the sale. Between the close of the account and the next billing cycle, a charge of {$24.00} was processed thru the account. We no longer received statements on the closed account, so we had no knowledge of the outstanding charge - which we never disputed. Had we known, we would have paid the balance promptly. In XX/XX/XXXX we received a Memo Statement from our bank indicating an unpaid balance of {$310.00} with a statement on the Memo Statement stating for information only - do not remit payment.. We visited our local banker and at this time were informed that they can not resolve the matter and that the debt had been assigned to XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX. To date we have never received any written notice that the initial amount and resulting late fees and interest are due from XXXX. We only continue to receive the Memo Statements from our bank. 

We have contacted XXXX ( XXXX ) to resolve this matter but are only allowed to speak with persons who will except full payment, but not consider this matter to an agreeable conclusion. If we owe the {$24.00} - that is not an issue. What we do not feel is fair is to charge us the late and interest fees for the past two years without ever receiving a method in which to resolve the matter. 

The last conversation in had with XXXX on XXXX XXXX they told me to write this matter to the attention of XXXX. I did so that day and have not received any response. Today, I received another Memo Statement from XXXX showing the current balance as remaining at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5900.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00}, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
Loan is # XXXX I drove into the dealership with my XXXX XXXX in immaculate working condition. The interior needed a little TLC however, there were no mechanical issues. I was shown a XXXX XXXX XXXX listing price $ XXXXShortly after, the gentleman who showed me the car sat me down with the finance guy. 
Who stated after taxes and interest the price will be {$24000.00} I told him I will NOT be able to afford it. 
He stated after trading in your XXXX XXXX the price will go down. There were blank spaces on the contact, which I was told NOT to worry about, because it will be filled in later. 
After trading in my XXXX the price actually went up to appx {$32000.00}. 
The guy said dont worry when we trade in your XXXX the price will go down ( he reiterated XXXX. He continued to say In addition, youre paying it over a period of time so your payments wont be that much ... After being manipulated, I fell for the deal ; and was badly taken advantage of. 

I spoke with my childrens father and he told me I have been robbed, and to take the XXXX back, and ask for my car. 
I took the car back and requested out of the deal, and ask him to please return my XXXX. He replied, its gone!? 
Mind you only 3days went by. 

Moreover, the luxury features promised to me were not working i.e. the XXXX Cue and the memory seat button.. on XX/XX/XXXX I learned through one of Santander/Chrysler Capital manager, mister XXXX  that im included in the $ XXXX Multi state class action settlement. 

So far I have paid out Approximately {$7000.00} ... Moreover, My XXXX XXXX valued at {$8200.00} at the time. However, I was supposed to be giving a {$3500.00} trade in value instead, which was never placed towards my financing. Nor, did I receive cash or check in said amount. 
Now, there is a current loan balance of approximately, {$17000.00} which totals up to approximately {$32000.00}. After adding up my trade in, and all the monies I paid out plus my XXXX. 
Numbers DO NOT LIE! 

In addition, many other representatives at Santander/Chrysler Capital as well as XXXX XXXX ; have ALSO Confirmed on a recorded conversation that I am included in the {$550.00} million settlement. I am a victim of predatory lending, and Santander Chrysler Capital continues to victimize me. Settlement link below.. 

Www.santandermultistateagsettlement.com Santander/Chrysler Capital are going against a court order as my loan was settled through litigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage documents specify that a late fee may only be assessed if a payment is received 15 days or more after the due date. My mortgage loan servicer, LoanCare ( NMLS # 2916 ), charged me a late fee of {$10.00} for making my payment due XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. LoanCare attempts to disguise this practice by labeling their late fee a " draft fee ''. No " draft fee '' is charged if a payment is received within 4 days of the due date, a {$5.00} " draft fee '' is charged if a payment is received 5-9 days after the due date, and a {$10.00} " draft fee '' is charged if a payment is received 10 or more days after the due date ( or some similar progressive penalty structure ). The only reasonable explanation for the structure of these " draft fees '' is to penalize consumers for making payments after the due date, with the penalty increasing as more time passes. In other words, the '' draft fee '' is a de facto late fee that violates the contractual terms of my mortgage loan.

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 2020-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio recovery and associates is continuously violating federal law. By trying to collect a debt that can not be 100 percent validated or verified accurately. Per section 809 ( b ) of FDCPA. 

Account : # XXXX Original creditor : XXXX XXXX XXXX  XXXX {$1900.00}. 

I have sent PRA,, several validation request to accurately validate this debt. By requesting the following. 

: Proof of original creditor ; name address and telephone number : Proof of how they calculated debt they say I owe, original credit limits and past due balance. 

: Proof of last payment made and received, amount & date : : Proof of the right to collect a debt in my state or territory ; : Proof of statute of limitation Under federal law, a debt collection company must provide full and complete validation. Per FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
My creditor Chase has reported 1 late payment on both of my active credit cards with the company. I was told that I missed a payment in XX/XX/XXXX even though my credit report says both payments were missed in XX/XX/XXXX. I have sent letters to the company asking for forgiveness of the late/missed payment and I have called multiple times and have gotten rude responses and people who did not want to help. Both late payments were reported in XX/XX/XXXX. 

I also informed them that I was affected by Covid 19, and they still reported the payments to the bureaus as late payments.

Company response to consumer: Closed with explanation