BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-06
Company: Navient Solutions, LLC.
State: PA
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 am paying back a Parent Plus loan for my daughter. The loan was originated from XXXX XXXX, everything seemed to be accurate until Navient took over the loan. I have always paid more than the minimum on the loans each month, I also never was late, however the balance of my minimum payment almost doubled and the balance seemed to be higher in the end than what i should be paying. I contacted the company and they told me at one time I was paid ahead but now i am not and i had to have a higher minimum payment to make sure my loan was paid off in allotted time. i have always paid more than the minimum and this made no sense to me. When XXXX was our provider on XXXX 13 we owed a balance of {$5100.00}, today our current balance with Navient is {$5400.00} there is no way these totals are correct, we called and the way they explained it to me i honestly can not understand, we will never get this loan paid back at this rate until the problem is solved with the numbers, it makes no sense, we need help figuring all this out, but customer service is no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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 pulled my credit reports in XXXX of 2022 to see what is on my credit due to my credit scorXXXX being so low. Upon receipt I noticed multiple fraud accounts with opened and closed statuses. I reached out to all the creditors with no relief, so now I am submitting a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
the bank is not compatible with payments in general but online payments really scares them too much, they continue to block payments for no reason, perhaps a better idea is : citi stay away from internet/the web, and work on the streets only, wth your branches, you are absolutly unable to manage a online banking, there are no possibilieties, that i will call you for every payment that i place on the internet and most importantly the phone is not a legal requirement so if i want/prefer/estabilish>/want/prefer, then i can simply trash the phone system and use only a email account I use a virtual card attached to the primary card for online purchases, with a purchase limit they offer virtual credit card accounts, for 1 time usage on the web, but they donpt trust their own systems on XX/XX/2021, I have plaved the order for {$9600.00} I clicked on the email Sent from citi On XX/XX/XXXX and I confirmed that I made the purchase I responded by email and confirmed the charge was valid, and the block was removed from your account A block was subsequently reapplied on the account which resulted in charges being declined and this time they asked to use their passion, the phone systen, again they block each online payment!! I suggest you to hire a corporate neurologist I DO NOT USE THE PHONE!, WHAT DO YOU NEED TO UNDERSTAND THIS SIMPLE SENTENCE

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 2019-07-02
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
2 parts. 

The wrong amount is and was tried to be collected. I was awarded charity for my medical bills. My hospital stays were discounted by 90 %. I never received bills by the original doctor office so that I could provide them the charity letter from the main hospital. 

The 2nd part is collections are not supposed to be on the credit report until after 180 days that it is delinquent. I was discharged from the hospital XX/XX/XXXX from my 1st XXXX. My credit was hit XX/XX/XXXX for the bills and at the incorrect and intimidating amounts. That was not 180 days. The 2nd acct says date opened XX/XX/XXXX, then first reported just a few months later. The 180 days would have been XX/XX/XXXX. I see this on my credit as of XX/XX/XXXX. I would like to have this removed as this is a ball of who shot john. Also remove all personal information from your databases.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: CURO Intermediate Holdings
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had a payment get returned. I received a call from them to settle the matter. I told them I would pay them XX/XX/XXXX and figure out how to pay the past due. They keep calling me and my wife after giving them my answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not aware of this agency and have not entered into contract with them in any capacity. Please remove the negative remark 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 2021-05-17
Company: Activehours
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I spoke with Earnin through their chat feature since that's all they allow. I noticed they removed funds too early from my bank account, causing overdraft fees to my bank account. I notified them of this issue before the XX/XX/XXXX debit, and they assured me that it would not occur again. Earnin changed the due date, and I was sure Earnin resolved it. I rechecked the Earnin app before XX/XX/XXXX and noticed they had the date incorrect for withdrawal and had it set to 2 days before I am paid. I spoke with an agent and got nowhere, so I asked to speak with a supervisor who would not change my due date even though I explained that the bank does not deposit my funds while Earnin has chosen to debit my account. They informed me that I would have to wait until it happened again to change my withdrawal date. I was paid on XX/XX/XXXX at XXXX XXXX and checked my account to see its accrued fees because Earnin refused to change my due date. I chatted online with another representative on XX/XX/XXXX who changed my withdrawal date to 1 day before getting paid to ensure I did not receive any fees. I received a case number and was told this would not happen again and the change was permanent. I've checked the app again and now Earnin has my withdrawal set to the XXXX. I don't get paid until 2 days before my check at XXXX XXXX CST.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Experian Information Solutions Inc.
State: CO
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:
Experian and XXXX are reporting incorrectly lates in XXXX and XXXX on the XXXX XXXX account number XXXX. ( Please see page 4 of the attached credit report. ) I spoke to a representative in XXXX from XXXX and I was told that if I made ( 10 ) consecutive payments without ever being late that they  would remove the lates from being reported on my credit report. I honored this agreement ; I was never late, however they are still reporting the lates on my report from XXXX. This incorrect reporting is harming my credit score.  Please delete these items 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 non-monetary relief
Consumer complaint received 2019-07-02
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
OnXX/XX/2019 Huntington took {$180.00} and some change out of my account ; when I called to try and find out what happened they told me that they took it out from 2 years ago for {$12.00} and some change when I had a overdraft fee. When I told them they couldn't do that they said yes they could because it's the same bank they told me {$100.00} was for a fee and that the {$81.00} was for something I had no clue what it was. I asked if they could put it back but they told me that there was nothing that they could do so I closed my account around 4:50 p.m. that day. I believe these practices to be in violation of Unfair, Deceptive or Abusive Acts and Practices, Section 5 of the Federal Trade Commission Act ( FTC Act ), 15 USC 45 ( a ) ( 1 ) ( UDAP ), as I was only 18 at the time of the occurrence. I believe that the banks practices are predatory and deceptive for younger Americans. I want Huntington to refund the money taken out of my account and an apology issued. I will also be reached out to the Ohio Attorney General and the XXXX  in regards to this banks deceptive practices. I have reached out to Huntington to resolve my concerns and they have been less than helpful. Please assist in resolving this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05
Company: OPORTUN FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
During the pandemic ( Covid-19 ), the company was contacted voluntarily regarding my account, to advise of my inability to make consistent payments due to a financial hardship. I requested a payment deferment and/or forbearance. I thought that was granted but I was essentially harassed from that point forward. I received repeated calls daily asking what my current situation was, after I explained the situation the day before and the day before that. In conclusion, the payment option requested and granted, was not processed. Oportun is using bully tactics even after being informed of the inability to pay. I now have to attend court to prevent wage garnishment. So unfair when I requested assistance, I was bullied ( repeated calls daily ) and now being taken to court!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
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:
Over the past year on a monthly basis, I have been contacting Equifax in reference to fraudulent accounts opened and requesting deletions and investigations from my credit file. Equifax still to this day still has an incorrect date for my birthdate as well even after several attempts I have sent to have this corrected. Equifax has responded to my complaints stating they have verified these accounts were mine. I have decided to contact the creditors directly as Equifax is choosing to defame my credit file with incorrect information. I contacted XXXX XXXX on XXXX/XXXX/XXXX in reference to a collection account that was not mine. Below is the response from XXXX XXXX : Company responded Status Company responded on XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as XXXX XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to same. As stated in our response for case # XXXX, XXXX  deleted the tradelines for the account in question in XXXX. XXXX  reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), TransUnion, XXXX, & Equifax. As the consumer stated, XXXX and XXXX have deleted the tradelines. XXXX utilizes XXXX reporting requirements as agreed upon by all of the CRAs. Once XXXX has notified the CRAs to delete the tradeline, it is up to them to delete it from the consumer 's credit reports. However, XXXX will submit a second " XXXX '' XXXX XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal from the Equifax tradeline. 


Per the above response Equifax was instructed in XXXX to delete the XXXX XXXX collection from my credit file. However, Equiafx has reported on every dispute that this debt was verified. This is a blatant disregard for my credit file and is actively reporting incorrect information. This account was to be deleted in XXXX and as of XXXX XXXX, XXXX, this derogatory account is still incorrectly reporting in my credit file. I have several other items that I have disputed that Equifax has stated has been " verified '' as well that I am adamant are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06
Company: EQUIFAX, INC.
State: CA
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:
THE XXXX XXXX ACCOUNT ( LETTER ATTACHED ) DOES NOT HAVE ANY DELINQUENCIES PER THE CREDITOR ITSELF FOR WHICH THEY HAVE APPROVED. 
PLEASE HELP ME TO REMOVE THESE NEGATIVES LATES FROM XXXX  AND EQUIFAX. BECAUSE THEY ARE NOT COOPERATING. 
THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Santander Consumer USA Holdings Inc.
State: NE
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 XXXX XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
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 information incorrect

Complaint:
I submitted a dispute letter to all three credit bureaus regarding inquiry investigations. Letters were sent certified in the latter part of XX/XX/2021. No creditor or credit bureau has responded to my request for an investigation. In accordance with the FCRA the bureaus must be responsive and have an obligation to verify the allegations upon request and supply all proof in a timely fashion. 

Inquiries on 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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I sent {$240.00} to a XXXX XXXX via XXXX through my Wells Fargo account for purchasing an XXXX XXXX XXXX XXXX from the XXXX XXXX. He was supposed to ship the watch the next morning. I never heard from him again after sending him the money. On XX/XX/XXXX, I filed a claim through Wells Fargo. On the morning of XX/XX/XXXX, Wells Fargo informed me that they denied my dispute.

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 2019-07-02
Company: EQUIFAX, INC.
State: NJ
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:
THESE ACCOUNTS NEED TO BE REMOVED OFF MY CREDIT FILE FOR THEY HAVE BEEN DISMISSED. PLEASE CORRECT YOUR REPORTING INACCURACIES AND HAVE THOSE NEGATIVE ITEMS REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Bank of America has violated me the original creditor, consumer/ natural person rights pursuant title 15 USC 1692 ( a ) of the Fair Debt Collections Practices Act. Bank of America has use deceptive practices to collect on a debt that is not owed by using interstate commerce exhibits attached. On XX/XX/XXXX consumer credit transaction took place. Bank of America has only benefited from the consumer sale transaction and me the consumer/natural person has not benefitted Fromm the consumer credit transaction. Pursuant 15 USC 1602 ( p ) unauthorized use of my credit card I did not benefit from this consumer credit transaction. This consumer credit transaction has financially injured me and XX/XX/XXXX Bank of American close my line of credit without my ( Original Creditor ) permission. I sent an affidavit of truth that must be rebutted or it stands as truth in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX at approximately XXXX pm I called Telerecovery of Louisiana and spoke with a collection agent by the name of XXXX. I informed her that I have not received and correspondents in regards to the disputes I submitted through the credit bureaus. XXXX confirmed that they revived my disputes and request for validation of the debt from the bureaus on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX But she had no idea why the collection agency never followed up with my disputes. I then informed the agent that I requested debt validation and she stated to me that she could only send a generic form and had nothing in writing nor any legal documentation showing that I owed the debt. After being unable to help me, The agent, XXXX transferred me over to her supervisors voicemail to leave a message. I left a message but have yet to receive a call back not any legal documents verifying the debt that is being reported by their agency on 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 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Credit Reporting companies are reporting that I have 30 days late of a payment that I made to Setf. 
I never made 30 days late of a payment the other person that is making the payment made the payment 14 days late remove and update 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 2019-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 look at a new car when my credit was pulled I saw several accounts that I have never done business with, I don't have any paperwork or bills from collections agencies or any type of notifications. I have been back and forth in College between XXXX  and XXXX. I now live in XXXX. Someone has you my information to open accounts and credit. 
TRANS UNION File Number : XXXX XXXX  Report Confirmation # : XXXX XXXX  XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX XXXX  # XXXX XXXX  XXXX  COMPANY # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX XXXX XXXX The following addresses are not mine on my credit report they are inaccurate as reported : 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, XXXX XXXX I am a victim of ID The

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 2022-07-05
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation