BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 've disputed several things with TransUnion and have not gotten a response of results. 
I disputed ; XXXX - have not provided sufficient proof of debt/was not validated XXXX- I sent several letters to company as well to TransUnion . Received return mail. Account was not validated for as amount charged which includes statement showing proof of purchase, company did not provide dunning letter prior to sending to collection agency - account was in dispute and nothing was done about it with the original company. 
Tax Lien which states released. Contact my local State Office which advised that it should have not been reported because it was paid. It do not show on any other Credit Bureaus. Advised that it need to be removed due to reporting in-accurate and hurting credit worthiness XXXX the amount is inaccurate, was not at that resident, disputed it and it came back resolved less than a week without proof. 
Sent removal of hard inquiry for XXXX to be removed, also notified the company, they advised they sent request of removal, was not removed, sent letter to TransUnion and it was not removed. I provided my info, however I advise the company I did not want to due business with them and they ran my credit anyways. 

Removal of inquiry XXXX under FCRA did not give permissible authorization

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 2017-01-19
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Gave misleading information about income based repayment and did not allow for my grace period when I took a term off school or had gaps in education. Did not fully disclose my options for repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A woman from the state of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used my XXXX drivers license and social security number to purchase a car thru a loan company called XXXX to purchase a XXXX car. I did not have anything to do with this. I would think this is highly illegal. This transaction showed on my credit report on all XXXX bureaus as a positive item which has effected my debt to income ratio. I need this removed I did not buy a car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
contacted fortiva to cancel a credit card that isnt used anymore ( after one purchase from early 2021 ). i was told the card AND annual fee would be cancelled and to not worry. XX/XX/XXXX i got a statement from fortiva with the annual fee AND a late fee. i called customer service right away and was told as long as i pay the annual fee, theyll waive the late fee. unfortunately i didnt get a confirmation from the first call because the person sounded like they wanted to die or something and probably gave the wrong information since clearly that annual fee was still on the account. current customer service rep said the account is shown as closed but the annual fee is still up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: First Choice Assets LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
keep getting calls debt collector people for ( XXXX XXXX ) a person I do not know. This has been going on for rover 5 years. Keep asking for information and the huge amount of call are an invasion of my privacy. I have asked how they keep got my name and number and they can not say.

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 2017-02-24
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a collection notice in the mail, however never received a notice of right to dispute the charge. I do not have any outstanding debts and they are reporting to my credit erroneously. It appears this may be a scam to collect on debts that are not actually owed, because i have never received service from the medical provider that they are referencing, and as such there is no reason that i would have an outstanding balance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Late fee ( {$20.00} + interest ) was charged for a balance-in-full payment ( {$1000.00} ) XXXX DAY after the standard due date. 

Two things annoy me here : 1 ) The implied interest rate works out to north of 600 %. As you know, there are a few ways to calculate the interest rate implied by a late fee, but I believe my calculation is the most appropriate. Had I paid XXXX day earlier, the fee would have been {$0.00}. So Citibank has charged me {$20.00} for the use of {$1000.00} for XXXX day. Note they separately ding me for interest too ( {$4.00} ) -- I 'm not even bringing that up here. 

2 ) the due date is a few days before the cycle-end date. There is no practical reason for this mismatch and honestly it strikes me as ( at best ) an anachronism from slower systems and processes of the 20th century and ( at worst ) a deceptive practice. Cycle date and due date should be aligned -- there are too many dates to keep track of.

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 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
there is a child support item on my credit report that was scheduled to fall off in XXXX and it is still showing and when I called the credit bureaus I was told that payment was made on the account in XXXX however I have been totally XXXX and no payments have ever been made and I have a XXXX monthly amount to pay because I am XXXX, but the credit bureau is refusing to delete the account from my credit report stating that it will now fall off in the ear of XXXX this is not correct there has not been any payments payment to trigger this 7 year statue and I would like to have this removed from all XXXX credit reporting companies

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 2015-09-22
Company: Nationwide Arbitration Services LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I have been getting calls from a XXXX XXXX with Nationwide Arbitration Services at XXXX and he is threatening me with legal action. Have not received any written information regarding a debt that he says I owe. When I tried to speak with him, he was very rude and dominating. I demanded information in writing and he states that he is sending paperwork to XXXX XXXX Texas court system and the docket # is XXXX. XXXX XXXX Texas has no information regarding that number.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-18
Company: Experian Information Solutions 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 called XXXX  XXXX  to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report. DEPTEDXXXX XXXX {$10000.00} DEPTEDXXXX XXXX {$3200.00} DEPTEDXXXX {$1700.00} XXXX   XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX {$4000.00} XXXX   XXXX {$4500.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX {$240000.00} XXXX   XXXX {$3500.00} XXXX XXXX {$27000.00}

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 2017-04-04
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had placed and order online with XXXX I used XXXX to pay to the purchasers I made. Now some items I received some items I returned and some items I did not receive period. I called XXXX went back and forth for about 8 months to get my refunds which until this day I 'm still being charged for by my credit card company after figuring out XXXX is stating they refunded me but not showing on statement I contacted my credit card company which is Barcalay 's filed disputes and it 's been a year and still I ca n't get them to take care of it and I 'm still being charged and I 'm still paying my monthly payments so wrong and unfair for stuff I did not even receive or returned and continue to have to pay..

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 2017-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Someone hacked my kohls.com profile and made a purchase as if they were me. I reported fraud to kohls. It took them a month to finally take it off my bill. But until they took it off, my balance remained passed due and went into collections for a purchase I did not make. My credit report dropped because of this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, 2016 Dear Sirs, Please help me! I 'm a XXXX old woman on my own, and my home of 37 years has been yanked out of my hands by judges and attorneys into foreclosure. I was working with JP Morgan Chase to apply for a HAMP Loan through the HOPE organization. I filled out form after form, sent them back and never heard from Chase for my Trial Payments. JP Morgan Chase put my home into foreclosure. 
I called JP Morgan Chase in XXXX of 2016. I told them I wanted to send payments to them, but they would not accept my money and would n't talk to me or my son after that. The attorney for Chase, XXXX XXXX. XXXX in XXXX, VA, would not talk to me or my son either. We would leave message after message and nobody would call us back. I could n't find an attorney who would take my case against JP Morgan Chase, so I went by myself to the Court in XXXX XXXX, Virginia, and did the best I knew how to defend my rights. Of course I lost. I have been fighting for the past year to keep my home of 37 years. I 've pleaded with people, attorneys, the investment companies, and Judges and everyone says they ca n't do anything about it once the home is foreclosed on. I do n't believe that! 
After researching on the internet for help, I stumbled upon the The National Mortgage Settlement. I 'm not asking for a class-action money claim, I just want to be able to send payments to continue paying for my Home Equity Line of Credit and keep my home. Because of the tremendous onslaught of applications from the Obama HAMP Program, these applications were not being processed for new loans. They were immediately thrown into foreclosure status. XXXX article said " employees were given bonuses '' based on how many homes they foreclosed. In my opinion, there 's a huge conflict of interest there. What motivation is present from employees to process loans, when they can receive BONUSES for putting them immediately into foreclosure. That is how I got into the situation I 'm in now. The court is trying to evict me. As I write this, a sheriff is trying to give me eviction papers today, XXXX XXXX, XXXX. I do n't want to have to leave my precious home where I have lived for 37 years. I do n't see why I have to give up my home, when the fraudulent practices of JP Morgan Chase, my lender, and XXXX other huge banks and lenders committed fraud by doing these practices. 
I have attached an article from the XXXX XXXX. Please help me! Do n't ignore me. I 'm not a bad person, I just want my home. Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: BlueChip Financial
State: IA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
In XX/XX/XXXX I took out a loan with Spotloan for XXXX. I later found that Spotloan was not licensed to loan in the state of Iowa, and were charging interest in the amount of over 300 % APR. As of XX/XX/XXXX the balance was reportedly at XXXX, even though I had made two payments of XXXX to take off a balance of XXXX. The remaining principal would only be XXXX, and Iowa lender guidelines for payday loans would only be XXXX that could be charged in interest per year. Now I am unsure of which collection agency would have loan, and should only be responsible for paying back XXXX for the remaining payday loan balance. I have received calls from collector XXXX or others with no mailing address to send payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Velocity Portfolio Group
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A person by the name of XXXX XXXX called my work phone, which is not a direct contact line. When I returned the call they were asking me personal identity questions while refusing to identify why they were calling or who they were calling on behalf of. They were rude, and in the end threatened me and told me I had to make arrangements today to pay today. I had no prior contact from this agency called XXXX. I also had not heard of the company they claimed to have received my file from, Velocity Investments LLC. When I responded that I was at work and could not take the time to handle this phone call, but would look for something from them in the mail, " XXXX XXXX '' told me I better call back on a break today. Again I repeated that I did not have the time to deal with the call today and again I was told I better call on a break. Then she said she would write in my file that I said I would call back today, I told her I did not say that, but she again said I had to call back on a break today.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I AM A SENIOR CITIZEN AND HAVE BEEN TRYING TO SELL MY HOUSE THROUGH A SHORT SALE WITH MY LENDER, XXXX BANK XX/XX/XXXX. I HAVE HAD NUMEROUS OFFERS, APPRAISALS AND COUNTER OFFERS AND STILL CAN NOT GET MY PROPERTY SOLD. THERE IS AN OFFER THAT HAS BEEN UNDER REVIEW WITH MY LENDER SINCE LAST YEAR AND A FEW DAYS AGO I RECEIVED A MOTION FROM MY LENDER 'S ATTORNEY REQUESTING THE COURT 'S ASSISTANCE IN RESTORING THE FORECLOSURE ACTION TO THE CALENDAR. THE FILE WAS SERVICE RELEASE TO XXXX LOAN SERVICING AND WHILE THE REVIEW PROCESS WAS STILL ONGOING, THE FILE WAS SERVICE RELEASED TO SETERUS. THE CURRENT OFFER TO MY KNOWLEDGE IS UNDER REVIEW WITH XXXX SETERUS. SO WHAT I DO NOT UNDERSTAND IS HOW CAN THE BANK AND THEIR ATTORNEY PROCEED WITH FORECLOSURE WITHOUT A DENIAL OF THE CURRENT OFFER? 
MY REALTOR 'S OFFICE INFORMED ME THAT XX/XX/XXXX, A REPRESENTATIVE FROM THE SETERUS CONTACTED HIS OFFICE TO INFORM HIM THAT THERE WERE DOCUMENTS MISSING BUT THE DOCUMENTS THAT THEY STATED WERE MISSING WERE EMAILED TO THE NEGOTIATOR, XX/XX/XXXX AND AS OF TODAY 'S DATE, THERE HAS BEEN NO RESPONSE FROM HER. 
I REALLY DO NOT UNDERSTAND THIS PROCESS AS THE BUYER DID NOT CHANGE THEIR MIND ON PURCHASING THE HOUSE AND HAVE BEEN PATIENTLY WAITING FOR THE BANK TO ISSUE AN APPROVAL WHICH STILL HAS NOT BE DONE. 
THE MOST TROUBLING PART OF THIS SHORT SALE PROCESS IS THAT IT HAS BEEN ONGOING FOR MORE THAN 3 YEARS WITH NO RESOLUTION INSIGHT. MY AGENT HAS ALREADY SENT A COPY OF THE SHORT SALE DOCUMENTS TO THE BANK AND THEIR ATTORNEY SO I REALLY DO NOT UNDERSTAND WHY THEY ARE TRYING TO PROCEED WITH THE FORECLOSURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Larry H. Miller Group of Companies
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My father went to purchase a vehicle from Larry H miller XXXX. My father was assisting me in getting a vehicle due to my bad credit from a recent divorce. We purchased a XX/XX/XXXX XXXX and signed the agreement for {$370.00} a month. I then received a call from the finance manager a few days later advising me that the finance company had come back and the new amount would be {$410.00} a month and that we either " take it or leave it ''. We advised we no longer wanted the vehicle and the finance manager verbally agreed to release my father from the vehicle. We went in the next day to return the vehicle and they declined because the finance manager that verbally agreed was not in that day. We then came to the agreement that they would call us the next morning immediately to advise us of XXXX schedule. They never called us and a few days went by. We waited 3 days for their call and that Saturday morning the vehicle was stolen out of my driveway. We went to the dealership that day to see what would happen with the vehicle and XXXX spoke to us and told us that the financing for the vehicle had gone thru on XX/XX/XXXX and that it was our vehicle. After speaking with him for close to an hr, there was no resolution and we were treated like dirt. We then filed a claim with the insurance company and on XX/XX/XXXX we received a certified letter from the dealership that the financing had not gone thru. This was 6 days after we had gone into the dealership and they had guaranteed that the financing was done and was with the bank. The reason I feel that they pulled the financing again after advising us it was complete was because there is an addition that the dealership puts in place in the contract that states if someone either steals your identity or your vehicle is stolen, they would cut a check of {$5000.00}. I feel they pulled the financing so they could get out of paying that amount to my father. This dealership violated multiple regulations. First, I am not on the agreement or on any documents regarding the purchase of the vehicle, however the dealership had no issues advising myself over the phone of the interest rate, payment amount and terms without discussing them with my father who was the one purchasing the vehicle. Secondly, we were unaware until after looking up the laws that it is illegal to sell a vehicle to someone with open knowledge that they are purchasing the vehicle for a third party with no intent to use or own the vehicle. The finance manager even told us while we were talking about the payments, that if they asked, the vehicle was for him and not for me. As a consumer, my father had no idea that was not allowed but due to the dealership openly knowing that and still allowing us to purchase the vehicle, the were in violation and sold the vehicle under fraudulent terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed the inaccurate information regarding the late payments on the student loans listed on my credit bureau report. The investigation by the bureau was updated to reflect the late payment history as accurate from XXXX XXXX, XXXX through XXXX XXXX, XXXX. XXXX, the loan servicer has verified that I was in forbearance during those dates. My account payment history in their system to reflects the forbearance and there are no late payments. XXXX refused to verify the information until after the loan was consolidated a few months ago. I need my payment history to accurately reflect my account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: Harley Davidson Financial Services Inc
State: RI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Approximately in XXXX of 2016 I purchased a new Harley Davidson from a local dealership. Approximately in XXXX of 2016 I was involved in an accident which culminated in the loss of my job. I have missed a few payments, have informed Harley Financial Services ( AKA - XXXX ) about my situation and asked them to stop calling my cell phone every day with no less than 6-8 phone calls a day from various telemarketing phone numbers, recorded messages, and masked phone numbers with a ( XXXX ) area code of my home state. I have repeatedly asked the company to stop harassing me on a daily basis. The company has not ceased the excessive communications, and have now started calling me on Sundays, at all hours from XXXX XXXX to XXXX I have informed the company I am extremely willing to communicate with them and resolve the back balance owed, however I have stopped answering calls and if they do not stop will be contacting my attorney.

Company response to consumer: Closed with explanation