BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-16
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in receipt of the update I was sent. The problem is that I do n't have my first delinquency date. What is that?? Your claiming that I was defaulted but when? What physically was it? 

Your claiming that the account was delinquent in XXXX of XXXX but from what I was told originally was something different. I was told it was XXXX XXXX - I called so many times and each time I am told a different matter. I need this account gone like yesterday! 

I ca n't have this account report longer since your company is making frivolous actions against my report. 

a response is needed with a deletion of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: IL
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 demand this CRA to send me a copy of my credit file pursuant to 15 USC 1681a ( a ) ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Fidelity National Financial, Inc
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX came back saying that I didnt have title insurace i Paid {$600.00} it was documented they lied about this saying I didnt have any. Furthermore they said I received {$84.00} check I never did get any check like that please have them send copy to me there is no and satisfaction letter was not discharge of mortage The Court did not accept this The Court said that they did not d this properly. XXXX XXXX agrees this was their mistake and didnt do it properly. How can they get away with lying like this this is so wrong. There was a lien left on my property. They did not do the title work properly. Will be faxing the documents showing all this too big they wont let me attached files called the CFPB and they said just to fax it and send with complian number so I will be doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security. 

DPT ED/XXXX XXXX {$27000.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$5800.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX {$6200.00} XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX/XXXX XXXX {$4100.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX {$5200.00} XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$350.00} XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is not a duplicate complaint. The following amount was not included in the previous complaint I used XXXX to book a vacation. The first payment was taken in the amount of XXXX on XX/XX/XXXX. On XX/XX/XXXX due to Coronavirus ( COVID-19 ) threat XXXX cancelled my trip, and advised that i will need to speak to my debit card 's issuing bank for your options as a cardholder. I did as advised to no positive conclusion. My card issuing bank just keeps telling me to resolve the matter directly with the merchant. The following statement directly from the merchant Please note : BookIt.com paused operations on XX/XX/XXXX as this crisis was unfolding. As we are currently unable to process refunds to you, please contact your bank for options available to you as a cardholder. I've submitted the cancellation letter provided to me by the merchant, I've also submitted the flight and hotel information, to help with a positive outcome. Again they denied my claim. Several people that had used the same merchant disputed successfully with their credit card bank and recieved their money back. This situation is going on since the end of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In Violation of 12 CFR & 1026 ( c ) ( 2 ) Capitol One reported an amount in dispute as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Not enough information to verify debt : In XXXX XXXX and XXXX of 2019 I requested an investigation and verification according to the FCRA SECTION 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and not an electronic or e-oscar verifcation but have been repeatedly answered with verified as accurate without being provided with the documentation that was requested.Continuing to be in violation of FCRA section 611-non compliance and continuing to cause damage to my 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 2017-11-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/XXXX, I received a letter from Pennsylvania Higher Education Assistance Agency ( PHEAA ) regarding a Federal Student Loan that I owed to them ( {$100000.00} ). I never applied or authorized for a student loan. I asked them for proof, which they did sent it. It was to my surprise to see my name on it. My XXXX wife ( XXXX XXXX XX/XX/XXXX ) had taken out a loan and FORGED my signature. We had been separated in the process of a divorce when she took this loan out. Date of separation was XX/XX/XXXX and the divorce was granted XX/XX/XXXX. I was living in XXXX XXXX, Ca and my XXXX wife was living in XXXX at the time of the loan. I have sent them the a copy of " XXXX Certificate ''. I then later received a letter stating that a portion of the Consolidation loan in the amount of XXXX has been discharged, but that I still owed a balance of {$30000.00}. I have advised them that I never authorized this loan, nor that the signature on the Loan Application/Promissory Note was mine, that it had been forged. They now have sent me documents that needed to be notarized, which they have verifying my signature, but now they are claiming that I need to file a Fraudulent Court Claim. My credit report shows that I owe TWO amounts : {$100000.00} and {$30000.00}. I have remarried since then ( 2015 ) and now my current wife has been called at work regarding this loan and her taxes have been garnished. I have been unemployed for quite some time and have recently found work. So, the taxes that my current wife filed was just out of her income and PHEAA managed to garnish those funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: EQUIFAX, 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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX XXXX {$470.00} XXXX  XXXX XXXX  XXXX {$5200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Rosebud Economic Development Corporation
State: TN
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 took this loan out in XX/XX/XXXX., for XXXX. I have paid XXXX semi monthly since ( yes insane, I know but I was desperate ), I fell behind on payments last month and asked them if I could settle it. They now want {$900.00} more!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-11
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: Credit inquiries on your report that you don't recognize

Complaint:
This is to inform you that TransUnion has failed to respond to my inquiry dispute letter that I sent on XX/XX/XXXX. As a consumer I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. <P/>* XXXX XX/XX/XXXX *XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX  XX/XX/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 2017-11-16
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: Their investigation did not fix an error on your report

Complaint:
On my letter dated XXXX XXXX, 2017, I requested this credit repository to conduct an investigation on a couple of items reported incorrectly particularly Bankruptcy CHXXXX ref # XXXX. Apparently, despite the incorrect status and despite this item not associated with my social and date of birth, this credit repository insists that these pieces of information were verified. I was able to verify with the court that the item was withdrawn XX/XX/XXXX. More than 40 days had passed and yet this company continues to report this incorrect item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage with Bank of America. The mortgage was opened in XXXX XXXX for {$110000.00}. In XXXX XXXX Bank of America Sent me a bill saying my mortgage was short paid {$5400.00} and they would like to Modification if I did not have the {$5400.00}. They did not explain why I was {$5400.00} short paid although I did not miss a payment or was I late. Not knowing any better And not having {$5400.00} I allowed them to modification. Between XXXX XXXX and XXXX XXXX I gave them an additional {$15000.00} in cash via certified check to void for foreclosures. In XXXX XXXX I gave them {$5400.00} in XXXX they modify my loan by the same amount I then gave them the amount of {$10000.00} in XXXX XXXX to avoid foreclosure although I have been making payments all along In addition my mortgage payments rose from the original {$1000.00} to a high of XXXX During this period. I have been paying the mortgage for 14 years and now I am more than I borrowed I have had no late payments in the last XXXX. I have XXXX different loan numbers the original loan number into XXXX and they changed the loan number into XXXX XXXX when all the trouble seem to start. I have called repeatedly and asked for all the correspondence pertaining to my loan. They reported to the credit bureau having me late for almost 6 months for an entire year in XXXX. I have asked for forensic accounting from Bank of America in writing in XXXX of this year. I have received nothing. I have emailed the head of home loans at the corporate office nothing. I feel that the modifications crisscrossed with the amount of money they required me to send but the modification still were put on the back of my loan I have give them over {$25000.00} to make my loan current over the XXXX XXXX years but yet I still have modifications XXXX XXXX time XXXX another and almost XXXX another please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Bread Financial Holdings, 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 information incorrect

Complaint:
I purchased my dog on XX/XX/XXXX from XXXX Bank since then I have been paying my monthly statements on time and in full. As of yesterday, XX/XX/XXXX I received a credit monitoring alert stating I was over my credit limit by {$260.00} with above creditor and reported to XXXX. My credit plunged by XXXX points. I immediately called the creditor and they advised I was on a " promotion plan '' and if the account was not paid in full by XX/XX/XXXX I would be charged additional interest. They increased my account from {$4700.00} to now {$6500.00}. There was a small box stating my plan would expire and be charged if not paid in full. I was unaware of any of these charges and how what the amount would be. When I called yesterday the Agent said there was nothing they could do since it was on my statement. 
I called in XXXX about this little box and the Agent advised I would be charged an additional max of {$70.00} to XXXX per month. NOT total interest for a year of {$1800.00}. 
As a consumer I feel this should have been explained to me back in XXXX or XXXX so I could have other options. I paid the {$260.00} today, although not due until XX/XX/XXXX. 
I feel a detailed letter should have been sent prior to the creditor reporting my account over the limit. Unjustified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17
Company: PRESTIGE FINANCIAL SERVICES INC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I lost my job due to COVID and feel on hard times. I had money saved and offered a settlement. I was told if paid the account for a full year the would negotiate the settlement for less the balance was paid down a good bit. The car was not was not work and Prestige was aware of this. However I did my best. The gave them every dime I had because I was told they would do a settlement next year. When that time came the denied a settlement and wanted the remaining balance for a nonfunctional car that I paid for twice. I have corresponding emails that verify these communications. I was taken advantage of financially and emotionally. COVID was a stressful time for me. I gave Prestige all the money I had and was lied to for them to get it. Prestige had no intent to settle nor allow me to keep the car. The loan is subprime and they are practicing predatory lending during a crisis. They have breached their agreement to settle for a reasonable amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Harley Davidson 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:
Filed with the Better Business Bureau asking for validation of this account as well as have spoken to the company. The company told the BBB that they was sending information. The information received was them asking for all of my personal information. I advised the BBB that what the company sent was a letter wanting all of my personal information. I want this removed from my credit bureau files immediately. The company is using a stall tactic and not responding with a full validation, instead trying to get me to send them my information instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: ND
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 an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
File # XXXX I filed a dispute because the new law shows it should be removed. However I called and the XXXX stated they have n't received the law that would remove this item. They informed me it would stay on my report for 10 years but the New Law is 7 years I. Which it has been 8 years in my report. Please help. I applied for a car loan and it was not approved then I was offered a high interest rate. They also stated in an email that the Court reported to them I called the Court and they stated they had not received and do n't call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Navient Solutions, LLC.
State: KS
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:
I am a XXXX working for a community mental health center that is funded by county government. I have been in this position for 8 years. I should be eligible for the public service loan forgiveness program. When the program began I contacted my servicer, XXXX XXXX, now Navient, and enrolled in an IBR plan in order to start making the XXXX payments needed to take advantage the the PSLF program. I was told that I would just start making payments, and that nothing could be done to certify or ensure PLSF participation until the payments were completed. I did not learn until this year that I should have been told to re-consolidate my loans so that they are the proper type to take advantage of PSLF. As a result 8 years of payments that I intended to count towards the required XXXX do not, and I have to start from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Experian Information Solutions 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:
On my letter dated XXXX XXXX, 2017, I requested this credit repository to conduct an investigation on a couple of items reported incorrectly particularly Bankruptcy CHXXXX ref # XXXX. Apparently, despite the incorrect status and despite this item not associated with my social and date of birth, this credit repository insists that these pieces of information were verified. I was able to verify with the court that the item was withdrawn XX/XX/XXXX. More than 40 days had passed and yet this company continues to report this incorrect item.

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 2022-02-17
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am a co-signer on my son student loans. He is serving in the XXXX XXXX right now and have been for the lats 6 years and attending school. his loans are in deferment Sallie Mae keep sending notices anyway since covid and sending them to our credit report with the loan in deferment. I have contacted them, and they have yet to correct this. 
please help my credit score is taking deep down which will hinder my job. 
Report Number 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 2022-02-17
Company: Maximus Education, LLC dba Aidvantage
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
The company was very misleading with advertisement and i felt pressured to sign up. As if i was going to miss out on a learning opportunity. They promised endless career opportunities in the medical field and ended up closing for good in 2018 with dozens of lawsuits. I know have a degree that is absolutely useless and debt to pay

Company response to consumer: Closed with explanation