BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-14
Company: Experian Information Solutions Inc.
State: NC
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:
After carefully reading and reviewing all 3 of my national credit reports, Experian, XXXX and XXXX XXXX I had discovered there is a trade line from a company located in California called, " XXXX XXXX XXXX ''. They have been reporting this fraudulent, derogatory and negative trade line since XX/XX/2015 and it is showing on my credit reports as a repossession. 

I never had any car loans or car leases with this XXXX XXXX XXXX XXXX and I never co-signed for anyone for a car loan or car lease. Since this fraudulent, derogatory and negative trade line from XXXX XXXX XXXX has been on all 3 of my national credit reports, Experian, XXXX and XXXX XXXX I have been unable to obtain any car loans or car leases and it has damaged my credit reports, credit history and my credit scores. XXXX XXXX XXXX is reporting to all 3 of the national credit agencies Experian, XXXX and XXXX XXXX that I owe them a balance of {$7800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ) and I do not owe them anything because I never had any car loans or car leases with them ever. 

I have called this XXXX XXXX XXXX XXXX in California multiple times on the telephone and when I explained the situation to one of the customer service agents I spoke with, they indicated that this fraudulent, derogatory and negative trade line would be deleted and removed from all 3 of my credit reports, Experian, XXXX and XXXX XXXX. 
After running all 3 of my credit reports again the same fraudulent, derogatory and negative trade line from XXXX XXXX XXXX in California is still appearing on all 3 of my national credit reports ...!

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 2017-04-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient  ran interest on my student loans while I was still in school because we made a payment on them in the amount of  XXXX  from money that my parents had allocated to my deceased brother 's college fund. Then when I graduated they refused to put me on the Obama pay as you earn program, and instead put me on another repayment program they chose, despite me filing for pay as you ear n three  years in a row. I eventually just refinanced $  XXXX  in student loans with a private company because I knew at least they would n't  XXXX  me over as badly as  Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My account was charged {$150.00} for a money transfer on XX/XX/XXXX that was not authorized. I this was brought to my attention with in 60 days and I called the Bank of America XXXX XXXX XXXX department and was told they would file a claim for this un authorized transaction and they would cancel my card ending in XXXX and mail me a new card. Bank of America indeed did cancel my card ending in XXXX and ordered me a new card ending in XXXX. I was told this was standard protocol and it made sense to me. I was also under the impression that the unauthorized transactions where all in dispute status and I patiently waited for this process. Sometime around late XXXX XX/XX/XXXX, I reached out to the dispute department to get an update on those claims in particular the transaction of {$150.00} from XX/XX/XXXX. I was disappointed to be told that there was no claim filed for this dispute. The representative assured me they would file the claim at that moment and was apologetic because this should had been processed months ago when I contacted. The previous card was cancelled and a new one was ordered. Somehow, this original dispute was overlooked or perhaps ignored. The representative indeed did file the dispute over the phone for me and I received provisional credit on XX/XX/XXXX for {$150.00}. 
To my surprise, I was informed by Bank of America in a letter mailed to my home address that Bank of America will be reversing back {$150.00} from my account on XX/XX/XXXX. The reason they stated was because I had filed the dispute after the 60 day cut off after the transaction date. Bank of America did not give me the opportunity to explain that this should had been taken care of last XX/XX/XXXX. They where fully aware of this because they cancelled my previous card and ordered me a new card on XX/XX/XXXX. Instead they did not take a moment to make a informed decision. This was unprofessional and unethical.

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 2023-09-30
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
RE : Right of Rescission Dear Westlake Financial Services I XXXX XXXX original creditor and natural woman/man hereby rescind my consent to be liable or compelled to perform on to the contract and agreement I entered with XXXX XXXX on XX/XX/. 

I entered into this contract agreement with XXXX XXXX without : Full disclosure of my rights to rescind Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). 

I have reason to believe that XXXX XXXX willingly and knowingly took advantage of me and my consumer credit. 

I am NOT terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor, As I have found several violations and fraud. Notice that pursuant to 15 U.S. Code S 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 

In addition, I was given false and deceptive information, As i was informed that a down payment of {$7000.00} was needed for me to drive off the lot. Notice that Pursuant to 15 U.S. Code S 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. Pursuant to ( 15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges Furthermore, the down payment reimbursement of {$7000.00} shall be made by check or money order payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Best Regards, 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 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
To : Transunion, XXXX and XXXX I am writing this formal letter to inform you that there are a few medical collections accounts on my report that have inaccuracies. And not only does it contain inaccuracies but the accounts and the Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX and Third Party Creditor XXXX XXXX have violated several consumer laws which I will disclose what statute has been violated. Transunion, XXXX and XXXX has also violated several consumer laws. 

But this will be a notorized document and this will be the final notice to request These accounts numbered XXXX and XXXX attached to this letter to be deleted from the file. If these accounts are not deleted a lawsuite will be filed against you.

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 2018-12-17
Company: EQUIFAX, INC.
State: GA
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:
According to my recent credit report request from XXXX, Equifax, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/XXXX I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in XXXX. 




VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Account Type Collection Agency/Attorney XXXX XXXX   Account # XXXX Account Type Collection Agency/Attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have credit card account with chase bank and the bank requested information regarding my social security, they supposedly mailed the request to me but I never received it. after a period of time without responding ( because I never received the initial request ) my credit card account was closed. I found out when I received a notice of closure and immediately followed up with the bank. every time I call customer service, I am transferred an unreasonably large amount of times, last time i spoke to 18 people over about an hour and a half and had to provide my information each time. when I spoke to the bank they mailed me a copy of the form I needed to file which I did 4 times already and provided it to them 4 times in an attempt top get my account reopened like they said will happen. at the time of this writing the issue has been going on for almost 2 months with no resolution and a large impact on my credit score because I have a balance but no active account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
11 years ago I had a life threatening medical issue for which I was hospitalized for over a week. I had no insurance at the time. I cashed in my XXXX IRA to pay the individual doctors, so now I have no retirement funds. I contacted the hospital and set up monthly payments and they agreed. About one year later they handed my debt over to this collection agency. At this time I sent a cease a desist letter to this agency, told them I was paying the hospital directly and they stopped communication. I continued making the payments for 10 years ( about {$5000.00} dollars ). This month I received a notice of a lein placed on my property with no notice of hearing. This agency is now making daily calls to my professional office. Please make it stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There are several unauthorized ATM transactions on my Santander debit card. I tried resolving this over the phone but got disconnected. Im XXXX  so I have to use a relay service. Theyre not always the most reliable. I was able to order my replacement debit card but the claim wasnt filed because I was disconnected and couldnt get back through. So, here are the transactions I need to dispute. In addition to these, there are also many ATM fees associated with the fraudulent transactions. The fraudulent ATM transactions are XX/XX/2018 for {$800.00} and {$180.00} at XXXX XXXX. There are also two pending ATM transactions with a date of XX/XX/2018 for {$500.00} at XXXX XXXX  and {$33.00} at 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 2018-12-18
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had trouble with XXXX since the beginning of this loan. First, there were blank portions on my lease copy. My car was totaled at the airport. I had to have a car. I was in shock but not stupid. I did not sign a lease with a blank space, but that is the copy they gave me. I have paid {$320.00} on a {$310.00} loan for years. I knew it would cut off a large amount but I have two payments left ( one on XX/XX/XXXX ) and another I am not sure when ( XX/XX/XXXX or XX/XX/2019 ). I requested a copy of the payments. The copy is wrong. I have had multiple problems with this 6 year overpriced loan on a base XXXX XXXX -- I think it may have been wrecked and fixed and sold as new. The bluetooth didn't work for 8 months until it was replaced. I complained each time I had my oil changed. I couldn't get a title when I moved back to Texas   from XXXX XXXX XXXX. The service departments in two states at various places in both states have treated me badly, even at the place I bought it near my hometown where I was visiting my mother when my car was totaled. Two dealerships in Texas didn't change the oil when I paid them after it turned 100,000 ; the first per a XXXX mechanic. At 120,000 it is burning oil even though it has been changed before time, and often at 3-4000 miles. It has been well taken care of, or at least I have paid to have it well-taken care of at the dealership. How do I get an audit of my account at XXXX? It is wrong. The sheets I have from them prove that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In Re : In The Matter Of : Name of Appellant : XXXX XXXX Bankruptcy Case # : XXXX ( Dismissed ) Civil Action Case # : XXXX XXXX ( XXXX ) This Topic : Appellants 4th Brief ( Due Date Not Specified by Court ) TOPIC 01 : Notice of Demand For Possession from XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Main Office : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX , Phone ( XXXX ) XXXX. 

Summary : Legal Basis & Procedure basis are questioned by Appellant XXXX XXXX on this Notice of Demand For Possession ( Attached ). 
This notice was taped on my TH residence Front Door. This notice was delivered by this means, ar around XXXX XXXX, Wednesday, XX/XX/2021. Please note that Civil Action Case # XXXX ( XXXX ) still Open & Not Dismissed. Suitable legal counsel not yet identified but continued effort is being made since last brief, Appellant Update 03 -- Brief XX/XX/2021 was filed approximately 2 months ago. A complaint against this party will Be filed with CFPB.GOV, under Debt Collection. Issue category : Took or threatened to take negative or legal action. 
This notice is dated XXXX XX/XX/2021 From XXXX XXXX ( XXXX XXXX XXXX ), The XXXX XXXX XXXX XXXX XXXX XXXX, Main Office : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX Phone : ( XXXX ) XXXX. 

XXXX Legal 3rd Party Debt Collector since XX/XX/XXXX have tried to foreclose twice requiring me to seek XXXX XXXX Protection, as filed at the XXXX XXXX XXXX Court House, currently pending Civil Action Case NO : Civil Action Case # : XXXX XXXX ( XXXX ) ( please see related XXXX previously filed complaint ID : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Took or threatened to take negative or legal action

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 2019-03-13
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
It all started in XXXX XXXX. I had been paying my student loans on timely since XXXX, I had never missed a payment. I had not missed a payment because I had my student loan setup through XXXX as an automatic reoccurring payment. Sometime in XXXX I logged in through my AES account and saw that I could save an additional .25 % on my loan if I setup the automatic debit through AES. That XXXX I went ahead and tried setting up the automatic debit. As to not pay the loan twice in one month, I cancelled my reoccurring payments through XXXX. The payment was not accepted in XXXX. When I got the email alert I called and spoke with AES customer service. They told me to try again, that there must have been an error. I set this up again and tried again the following month. The same thing happened, some sort of error. Again I called AES and they told me the same thing, to try again, to make sure the account numbers were correct and to try for the next month. I specifically asked if I needed to make a payment, I also asked if there would be a penalty and both questions were answered with a no. Finally I believe in the third month we linked the accounts. Before the success, I spoke with AES on the phone about 4-5 times, every time I was assured that my account was in good standing. After the first automatic debit I logged into my AES account, and I noticed that instead of my rate dropping .25 %, it had increased by over 1 full percentage point. I was horrified. I called AES and they told me I was part of a benefit borrowers program for paying timely. I lost that benefit when I missed a payment. I told them my story, specifically asking them to listen to the recorded conversations I had with their agents. I have not missed a payment since. My husband and I exchanged an email after getting off the phone with AES telling each other that we were, as per the agent, in good standing with no penalties? This email exchange is time stamped from XX/XX/XXXX. When I sent an email to AES, they said I could not talk to the lending bank, that I could only send an email with my concerns. I tried on two occasions, both times I was not awarded my original fixed rate. I feel like I was setup. I had a great fixed rate of 3.5 % and was trying to reduce this to 3.25 %, instead I was setup, told misinformation from their representatives all while trying to link my account and instead ended up with a 4.75 % rate and with the awarded .25 % for the automatic debit I am now at a fixed 4.5 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: DC
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/2021 I sent a letter regarding inaccurate and unverifiable things on my credit report. To this day over 120 days later I have not received a response verifying the unknown items on my report. I feel like I'm being taken advantage of and being ignored by my disputes. Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. I demand these accounts be deleted immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under section 616 and 617 regarding the continued willful and negligent noncompliance. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The following is an email I received from Ace Cash Express Payday Loan from XXXX : I have not worked with Ace Cash Express or have an account with this company. 

Ace Cash Express Payday Loan This is Attorney XXXX XXXX calling from The XXXX XXXX XXXX, XXXX TX billing department. 

We are emailing you concerning an overdue bill. 

Case # XXXX Your Billing amount of {$740.00} Contact at : XXXX XXXX XXXX I have a bill here for your name the unpaid loaned amount of {$740.00} is your past due. I know its easy to forget about bills, but Id hate to see this go on your credit report with the legal charges below via courthouse. 

XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER Our policy is to send bills more than 180 days overdue to a collection agency, but if you can take care of this right now, we wont need to do that. I realize thats a large sum. But Id still like to work with you to avoid this being on your credit report. 

We can offer to split that into a one-time case settlement payment of {$540.00} and close this case today, or 3 Biweekly payments of {$250.00} each until the loan amount of {$740.00} is paid off. 

If you can make the first payment right now, I can set your account up so that its no longer delinquent. 

Kindly let us know are you willing to resolve this matter out of the courthouse or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out. 

Note : This is your last and final chance to settle this case.

Company response to consumer: Closed with explanation