BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-08
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Four months ago via phone requested that they not contact anyone but me - People outside of me were contacted and asked to verify personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 was working for an elderly couple doing on XXXX XXXX for 18 months .About six months into my employment they were making payments on my credit card in lieu of cash payments on occasions. They agreed to pay for a school I was attending. They asked that I pay for school on my credit card and they would make the payments on my card. This transpired for 14 months. At that point some family members stepped in convinced grandfather to fire me from job. Then family told his bank that all payments made on my credit cards were unauthorized and the ank took back zapproximately {$12000.00} worth of payments on my cards. Do I have any recoarse?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On  XXXX / XXXX / XXXX  An unknown person logged in online to a joint account using my name and a password.I had been informed by the bank by letter from  Private Ba nking that this entire account was closed as of  XXXX , post divorce. I did not have online access, and had never set a password. The transaction, for which a screenshot is attached, closed the sweep feature with funds tra nsferred to checking.Citibank and Citi Private Banking have not, despite repeated requests, given m e information about the location to which funds were transferred nor the amount.The branch confirmed that this was not an automatic function of the computer system. The screen shot of this transaction was sent to  XXXX   XXXX   XXXX / XXXX / XXXX  per her request in my presence to the internal portion of the bank at my bank branch at  XXXX  and  XXXX  in  XXXX  after I discovered that the account had been kept open.

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 2017-06-18
Company: LDF Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
IN XXXX 2017 I TOOK OUT A LOAN OF XXXX WITH THIS COMPANY DID N'T NO THAT THEY CHARGE A XXXX  DOLLAR FEE IF APPROVED ON TOP OF THE LOAN WITH INTREST. AND FINANCE FEE OF XXXX BI WEEKLY .AND DID N'T SAY ANYTHING ABOUT XXXX FEE IF APPROVED. AND NOW ON THEY WEBSITE SAY THEY OPERATION CHANGE FREQUENTLY. AND THEY BEING USING DIFFERENT LOAN ID TO DEBIT MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This is in regards to loans that I had to put on forbearance and deferment during schooling and difficult financial periods. Navient is charging me an extra XXXX of interest. They say that when I agreed to the deferments and forbearance, they were able to capitalize the interest and the extra interest they get to collect from me. My original loan amounts were {$25000.00}. They now want {$35000.00}. This equates to about 27 % interest in top of my original amount. Not ok!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: Rausch Sturm LLP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. This complaint is against the debt collection agency for XXXX XXXX XXXX who has lied that they have submitted a wage garnishment with the State of Florida. Raush, Sturm LLP has not filed anything with the State of Florida. Neither XXXX XXXXXXXX XXXX or Raush Sturm is supplying documentation of the alleged wage garnishment. See attached where XXXX  XXXX XXXX tries to send me to the Lawyer. All we are asking for is a copy of this wage garnishment. Why is it so hard that nobody can supply it, because there is not one. 

Raush Sturm LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX LTS XXXX We have requested over and over again for proof of the court filing of this wage garnishment and there is no wage garnishment. We have spoken to the State of Florida and there was no wage garnishment filed. XXXX  XXXX XXXX is trying to pass the buck to the Plantiffs attorney. Why is nobody able to provide this proof of court filing of wage garnishment that allowed them to take the money from my bank of account? 

In order to do a wage garnishment, it must be filed with the State of Florida. That did not happen. The state of Florida has confirmed there is no wage garnishment. XXXX XXXX  XXXX and the above company can not supply a copy of the wage garnishment. There is no such document that was filed with the court. This was not legal.

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 2022-09-09
Company: Capital Accounts, LLC
State: TX
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:
Filed a complaint on XX/XX/2022 with CFPB. Company responded on XX/XX/2022. In the response company stated that they will submit documentation to credit bureaus to delete from credit reports. As of XX/XX/2022 company is still reporting negative information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have had an awful lot of sickness and death in my family. My husband just died of XXXX. My brother was on XXXX XXXX for 9 months. Then he died. My elderly mom in Mississippi and my stepdaughter in California are BOTH severely ill. So I am trying my BEST to recover my credit. So I make a little payment towards my credit cards. I usualy pay Synchony Home XXXX per month. But this month Synchrony XXXX instead of XXXX from my bank account WITHOUT ASKING PERMISSION. In contacted them. THEY REFUSE TO GIVE IT BACK. NOW ALL MY OTHER CREDIT CARD PAYMENTS ARE BOUNCING BECAUSE OF THIS. I AM SO UPSET I CAN '' T EAT OR SLEEP. 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 2022-09-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In  XX/XX/XXXX , we began the process of obtaining a loan modification for the mortgage on our home through Citimortgage. On  XX/XX/XXXX , they emailed a copy of the loan modification agreement that listed the unpaid principle of our existing loan as approximately {$90000.00}. The documentation also listed the new amount of the loan modification as approximately {$92000.00}. When I asked why there was a difference in the unpaid principle amount of our current loan and the modification amount of the new loan, I was given several different and contradictory answers verbally and no answers in writing. When I asked the person declared as our " single point of contact '' for the modification process to put in writing the reason that the loan amounts were different, she outright refused saying that she could tell me over the phone, but was unable to put those same statements in writing. I asked to speak to her manager and left more than one voicemail that have not been returned. I have had several conversations over the last month and they have all ended similarly. We have been working to get this loan modification for over a year an d Citimortgage is threatening that if we do n't complete the documents as they are quickly, we may lose  the opportunity for the offered loan modification, which could potentially risk foreclosure on our home. I view their tactics as adding an additional {$2500.00} in fees to our mortgage with absolutely no disclosure or notification of what the fees are related to and they are using the fear of foreclosure to push this through. I have asked for documentation about the additional {$2500.00} in loan principle many times and have been told there is nothing else that can be done for me. I am hoping the CFPB will be able to assist in getting me answers.

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 2022-09-09
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX  # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I need correction in my address and my name on all the credit bureau ... cause when i try to get credit card they denied my reqs and i have good credit .. i am waiting since XX/XX/2018 .. i sent id and i still waiting ...

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 2021-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I don't know just XXXX blocks me from all my emails that are linked to my stuff since XXXX and so I can't log into any of my bank, government funding, or really anything that life requires you to log into in order to maintain or correct an issue that has been blocking me from getting my life back together after I retired from 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 2021-10-27
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was paying advance financial in payment agreements that waived the interest. I was originally working with a lady there but she got promoted to a different dept then After that when calling in I was sent always to a different dept called a work out dept. They continued to waive interest but when Covid first hit My income was and still is in ruin. I paid this account down according to my receipt {$700.00} as attached, which was the last payment I had made to advance financial. Advance financial sold this account to a collection agency called XXXX XXXX XXXX for {$1000.00} when I paid it down {$700.00}, they tacked on {$300.00}, this is not right basically they took my money when I could make payments but turned around and sold it at an amount it originally was or added the {$300.00} and some odd dollars back onto balance. This is shady business and not right. I am currently unemployed and can not handle making payments right now due to simply trying to stay afloat. I have tried calling even spoke with manager to make my {$50.00} payments but no one seemed to not know what was agreed upon in waiving interest etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: WELLS FARGO & COMPANY
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:
On the XX/XX/XXXX I had summited 2 payments on accident to Wells Fargo from my XXXX XXXX XXXX both of {$800.00}. On the XX/XX/XXXX i received my tax refund of {$1200.00}. I realized that I summited 2 payments of {$800.00} knowing that I did n't have the funds so i went inside Wells Fargo in XXXX, CA and explained to one of the bankers of what had happened. We called the card company to ( i have the wells Fargo college card ) and explain to them what had happened. They told me they were going to do a refund of the amount and stop the process of one if the {$800.00}. Reminder in my XXXX  account there was a post of {$1200.00} to be exact in my account. Wells Fargo took out the {$800.00} leaving my account of {$490.00} which is correct. Later that that i receive an over draft fee for {$28.00} which i kind of figured would happen since I did accidentally try to send two payments of {$800.00}. Then on the XX/XX/XXXX my credit card had a refund " payment reversal '' and i called on the XX/XX/XXXX after seeing that, to see what happened. the lady had told me that when i called with the banker they requested for a refund of the {$800.00} and the stopping of the 2nd {$800.00}. She then explained to me that i would have to wait the 5 business days for the money to be refunded into my account. On the XX/XX/XXXX I had checked all my accounts and nothing was posted of the {$800.00}. I called and the gentlemen i had talk to said the {$800.00} will be in my account by Friday XX/XX/XXXX because it could take 11 business days to process since its going to an outside wellsfargo account. I checked my accounts again, did n't see the {$800.00} posted anywhere so i called wellsfargo. The guy had told me that they never received any of the payments, i explained to him what had happened, and he just said that nothing was ever taken out of my account due to insufficient funds. I told him that the first XXXX was taken out but the 2nd was n't and how i went to talk to the banker. He then told me that i never had the XXXX even though the XXXX was posted on the account. I then called XXXX XXXX XXXX to figure of what happened to the XXXX since wellsfargo wanted to say i never had XXXX and the lady told me that i already had pending transactions leading into XXXX which did n't make since because i did n't use my card for a good week or so. how there was exactly {$800.00} missing from my account.

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 2018-04-26
Company: Navient Solutions, LLC.
State: IL
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:
In 2007, I applied to Navient for Student Loan Forgiveness. They approved me and transferred my loan amounts to Navient. I paid my monthly loan payment for ten years and was a XXXX XXXX XXXX   and a XXXX XXXX XXXX XXXX then went back to XXXX XXXX XXXX. I contacted Navient for the loan forgiveness and was told to contact MyFedLoan to apply for the forgiveness. I went through the process they approved my employment and my 120 payments ; however, I was not qualified for the loan forgiveness because I was not in an eligible repayment plan. Navient counseled me on my payment plan, they never told me I was in an ineligible repayment plan. Now I am told by MyFedLoan that I will need to make payments for another 10 years! I recently read some articles online about Navient and it recommended I file this complaint ; I hope I will receive a resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: JPMORGAN CHASE & CO.
State: MA
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:
This has been an ongoing issue with Chase. All we want are our statements so that we can challenge some of the charges. They have been dragging their heels now for 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several letters to the credit bureau about the bankruptcy information reporting on my credit report file. I have been sending letters since XX/XX/2017 in regards to this matter. The credit bureau still is reporting the information as verified when I have asked them several times to provide me documation on how the information has been verified and they have yet to obliged. 

The United States Bankruptcy Court stated to me in a letter from the clerk of court that they do NOT provide any information to the credit reporting agencies, nor do they ever validate and/or confirm any public records. The reason why they do NOT validate public records information is because it goes against the privacy laws. 

I have sent several copies to the credit bureau from the United States bankruptcy court, the XXXX XXXX XXXX, and XXXX XXXX to show proof this item does not belong on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation