BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I applied for a payday loan around XX/XX/XXXX and received the funds. On XX/XX/XXXX the loan was paid off in full with cash at a physical store location. On XX/XX/XXXX which was the due date, the company then pulled out the amount from my bank account that I had already paid. So I have paid back the same loan twice. 
I've been attempting to get a refund with no success. I've communicated with the store location the debt was paid at, and with the corporation 's customer service line, and both claim that the refund has to be approved through the corporate department. I asked for the phone number for that department and was told they have no phones and that I can only email. So I emailed them Friday ( XX/XX/XXXX ) and they claimed it should be solved Monday ( XX/XX/XXXX ). When Monday arrived they claimed it had just been submitted and would take 48 hours to process. Now its been the 48 hours and they still tell me they are waiting for the refund to get approved. 
This whole situation has negatively impacted my family and I in immense ways. I feel that the lack of communication and attention on this matter is unprofessional and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Navient Solutions, LLC.
State: AZ
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:
Navientwas the loan servicer for my federal student loans between XX/XX/XXXX- XX/XX/XXXX. During which time I was employed in an education based non-profit residency training program. At the timeNavientrepresentatives instructed me to complete forms for deferment/forbearance for my private loans and disregarded the income based loan repayment option for my federal loans. Pursuant to their recommendation I submitted those documents. 

After reviewing my PSLF qualifying payments I recognized there is a gap for the XX/XX/XXXX- XX/XX/XXXX period. I was under the impression my federal loans were in an income based {$0.00} ( XXXX dollar payment ) as it was in XXXX based on my low income. However it is my belief Navient placed both federal and private loans if deferment status which detrimentally impacted my eligibility for qualifying payments under the PSLF program. Had this deferment not been applied to my federal loans I would be closer to federal loan forgiveness under PSLF. 

I understand loan servicers like Navient claim there was a lack of guidance provided by the U.S. Dept of Education during this time and specifics regarding PSLF were not obvious according to them ; fortunately the U.S. Department of Education has provided an opportunity to amend the unintended consequences of this mixup.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Meridian Financial Services, 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 contacted the Consumer Financial Credit Protection Bureau on three accounts that are not due by me I submitted documents and Meridian Financial answered the complaint and removed from my credit now the same account are in my XXXX   credit report and were never removed. Attached is the proof on a previous 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 2018-02-07
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I made the worst decision to attend the XXXX XXXX XXXX. 

Since XX/XX/XXXX, i have had little luck obtaining consistent work that will facilitate the loan repayment. 

I blame Navient for facilitation the option for forbearance before offering other options such as IBR. 

In XX/XX/XXXX, i applied for the Income based repayment, but was denied by navient. All government literature suggested i would qualify however Navient has declined my request and continues to facilitate forbearance. Of course they would, they will take benefit from and ever increasing capitalised interest. 

This loan is not manageable and sadly will lead to a default. I have no assets it seems as a slow painful financial death for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone I do not know hacked my computer and made fraudulent charges on my name and was made on XX/XX/2005

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-12
Company: EQUIFAX, INC.
State: DE
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE BANK OF XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
CFPB Write up XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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 non-monetary relief
Consumer complaint received 2019-07-24
Company: CarMax, Inc.
State: CA
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:
On XX/XX/XXXX I sent a letter to CarMax to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing CarMax to pull my credit on XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately.

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Continental Finance Company, LLC
State: MA
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:
On XX/XX/2021 there is a inquiry on my credit report from Continental Finance Company that I did not have any knowledge of or have given permission to access my report. I have tried to contact them without any success I was given the run around different numbers to call got disconnected and hung up on. My concern is this is a loan and credit card company that might have given whoever applied a loan or credit card. I am access my credit report daily and have placed a fraud alert.

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 2019-09-09
Company: EQUIFAX, INC.
State: CA
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:
Mis use of my credit report violation of the Constitution and the Treaties Truth and lending act, 11 U.S. Code Chapter 5, 31 cfr 363.6, 28 U.S. Code 566. Powers and duties, 42 U.S. Code 1983 - Civil action for deprivation of rights 42 U.S. Code 1986 - Action for neglect to prevent 42 U.S. Code 2000a - Prohibition against discrimination or segregation in places of public accommodation 18 U.S. Code 1512 - Tampering with a witness, victim, or an informant 18 U.S. Code 2071 - Concealment, removal, or mutilation generally 18 U.S. Code 1346 - Definition of scheme or artifice to defraud 28 U.S. Code 1346 - United States as defendant 18 U.S. Code 872 - Extortion by officers or employees of the United States 18 U.S. Code 1505 - Obstruction of proceedings before departments, agencies, and committees 5 U.S. Code 7311 - Loyalty and striking 42 U.S. Code 1985 - Conspiracy to interfere with civil rights 18 U.S. Code 245 - Federally protected activities 42 U.S. Code 14141 - Cause of action 18 U.S. Code 1513 - Retaliating against a witness, victim, or an informant 18 U.S. Code 1510 - Obstruction of criminal investigations 5 CFR 2635.702 - Use of public office for private gain.

18 U.S. Code 1918 - Disloyalty and asserting the right to strike against the Government 18 U.S. Code 1506 - Theft or alteration of record or process ; false bail 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law trespass on my Estate as Agent in fact and Executor over XXXX XXXX XXXX which is held in XXXX XXXX on the record for the record and fee schedule for damages cause by negligence I demand remedy over the matter I do not want a credit score I have unlimited credit nor a Corporation see RIC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: R.M. Galicia, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX with a date stamp of XXXX XXXX, 2019. In this letter it states this is an attempt to collect a debt with a balance of {$4500.00} and has a signature as if there was a lawyer, and attached was a full Detailed breakdown of the services that was rendered to me on XXXX. 

XX/XX/2019 I responded with a certified HIPPA violation letter to that facility stating they didn't provide a HIPPA release form to their facility and with the information they provided violated my HIPPA rights.  Shortly after the account was deleted off my credit report and heard nothing else from XXXX XXXX XXXX XXXX XXXX XXXX. 

I received a letter from PMS stating as of XXXX the account was assigned to them for collection. XXXX XXXX XXXX already violated my HIPPA Law rights and turned around and release this debt to another collection agency for collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Kinum, Inc., Indianapolis, IN Branch
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As of XX/XX/XXXX, I was reported by LVNV FUNDING LLC. As a debtor of a fraudulent debt that was opened using my partial personal information, inXX/XX/XXXX I contacted them to try to resolve the situation and they told me that they would send me a package by mail which was sent XX/XX/XXXX and returned to They with a copy of my driver 's license, a copy of the police report and an affidavit, as verification of my identity, today, XX/XX/XXXX, I contacted them again by phone and they told me that they were going to reopen the case, sending me another package by mail so that I could send them the same documents because they had exaggerated it, I asked to speak with a supervisor and explain my situation, but she ignored and told me that she was not going to take any action until they received that package again. 
According to FTC. This practice is illegal since they have to report 100 % accurate information and have 30 days + 15 to resolve the dispute, until today it has been more than 70 days since this investigation began, which is twice the time required by law, therefore I require that they immediately remove that debt from the credit bureau and pay me {$1000.00} dollars per month after the 30 days mandatory by the FTC, as collateral damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 checked my report and also have a fraudulent freeze due to fraudulent activity before and identify theft and its a lot of unauthorized inquiries on my account I reached out to the creditor and still no progress

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: NY
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/XXXX I sent a letter to Capital One NA ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Capital One NA to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20
Company: BOK FINANCIAL CORP
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been trying since XX/XX/XXXX to cancel our PMI. XXXX XXXX requires the loan to value ratio to be 75 % or less if the loan is between 2 and 5 years old. The original appraisal was for {$280000.00} which meant that we reached 75 % in XX/XX/XXXX. We followed instructions to request a BPO and paid {$150.00} for the appraisal fee. Appraisal was done on XX/XX/XXXX and the suggested list price was {$280000.00}. We were were denied PMI cancellation and the reason given was because the new appraisal was less than the original value at the time of purchase. This requirement is not stated anywhere. The only requirement given is 75 % or less loan to value which we have surpassed. As of XX/XX/XXXX, I was told the value of the house is {$280000.00} and our principle loan balance is {$210000.00}. I was told that our loan to value ratio is 84 % which simple math shows is incorrect and customer representative could not explain where this number came from. Customer service told me this was the information they had and they couldn't help me unless I ordered another appraisal or paid {$22000.00} towards our principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, 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:
On XXXX 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 am being taken advantage of and being ignored in regard to my disputes. Section 611 ( a ) plainly states 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill litigation due to the stress caused to me. My information has also been impacted by recent credit bureau breaches within the last year and my information may have gotten into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX I was notified by Barclay 's that my XXXX XXXXXXXX Credit Card had been closed. I had had this card for over 25 years and had never missed a payment or been late with a payment. For the last year or so I had been using the card to purchase high end watches to resale in a small business that I started. Some months I charged as much as {$150000.00} on this card and always paid it before it was due. The card had a {$50000.00} limit. The letter I got stated " your history of account usage '' as the reason for closing the card and said if I had any questions to write to Barclays, XXXX XXXX XXXX XXXX XXXX XXXX On XXXX the XXXX I sent them a letter asking for the reason that they closed the account and for the reinstatement of the same card. 
On XX/XX/XXXX, I received another letter from Barclays stating that they were unable to complete my request. This letter told me to contact them at the number on the back of my card for more details. On XXXX XXXX I called and spoke with several different people over the course of more than an hour and still got no answer as to why my card was closed. One person did tell me it appeared that I was trying to run up airline miles! 
I am requesting the reason for the closure and the reinstatement of my card and credit limit. Any help would be appreciated.

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