BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I received a letter from Equifax stating that a new address has been posted to my Equifax credit file. We have not moved and the " new '' address is actually a previous address. Equifax will not change it back. We would like them to remove this address change from their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: 1st Franklin Financial Corporation
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
i never applied for this loan but its showing up on my credit report and the credit bureaus are giving me the run around about this inquiry

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 2017-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Late fee

Complaint:
I did n't receive my XXXX charge statement from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. And it was n't until XX/XX/XXXX that I received a collection call letting me know I was past due. 

I honestly forgot I had performed a transaction on my card for around {$68.00}. Now on XX/XX/XXXX my balance was increased by XXXX late fees that were assessed to the amount of XXXX and XXXX which is really close to the original transaction amount. I already submitted a payment for {$100.00} to the XXXX charge processing bank but I wanted to get at least XXXX late fee removed as I consider it to be abusive. The collections department stated they could n't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
USAA BANK is not an average bank, its an average insurance company, no they are above average ; meaning they XXXX, liars, sinners, and work closely with all the XXXX of theivery, I am building a huge case against them, i have several letters from regulators agreeing with my finding after USAA BANK Was investigated. They can not be trusted, they buy their BBB credit rating and no doubt pay for their positive feedback cause I never met ONE PERSON who has not had same issues as me, they are disgusting and I refuse to let go of what they did to me, I hate them. After being robbed of all personal belongings, and idenity theft several times, and even with police reports and witnesses, the bank and insurance company USAA, closed XXXX of my savings accounts with {$7500.00} and kept the money, they also in over XXXX areas never paid out on insurance claims. They also illegally reported credit card to collections. I have proof that I put a lot of time in to trying to work with them with no effort on their end as well as I have phone messages by them that go against what CALIFORNIA and LAS VEGAS INSURANCE investigated. As well as many other issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: AL
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:
I have submitted disputes to you and I have not get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: CASHCALL, INC.
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I currently reside in XXXX, but this loan was established online when I lived in XXXX, XXXX My first challenge is the validity of the loan since it is prohibited in XXXX, XXXX XXXX. The other, is the interest rates originally 135 % then reduced to the current rate of 84 %. This seems more than the law allows based on XXXX usuary laws. I have already paid XXXX / Cash Call more than my original balance of {$2600.00}. Additionally, the amount I owe is more than the original balance. I offered to settle for an amout XXXX to give, {$800.00}. They declined and countered for nearly {$2500.00}. I advised them that I have been out of work since XXXX 2015 and could not continue to maintain this loan. Today, they called asking when my payment will be made, Due on the first of each month. I advised the rep. that I no longer wanted to be contacted regarding this matter as my last offer was my best. The call was discontinued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Maximus Education, LLC dba Aidvantage
State: UT
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:
I have student federal student loans which were initially going through XXXX XXXX back in XXXX. Those loans were then transferred by XXXX XXXX to XXXX a few years later. I was set up on and XXXX payment and as told that I would be eligible for loan forgiveness after 25 years. I then went back to school in the fall of XXXX and did not take any more loans during that time. I called XXXX in XXXX to find out all of the details and best options for paying my student loans while I was going to school and was encouraged to put my loans into forbearance. After finishing my schooling in XXXX of XXXX, I started making payments again. At that time I was told that because my loans were put into forbearance, my timeline of loan forgiveness would start over. I was unaware of this or I would never have put my loans into forbearance. I feel that I was misled in what my best options were and feel that those years that I was in forbearance should be counted toward my years leading up to loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They didn't provide me with my signature.

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 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed this bankruptcy with Transunion and also asked for method of verification. They have not given me this information they stated that they verified the information with a third party vendor. Not the bankruptcy courts. I have been to the court to ask for them to show me the information they said that they can not verify information. The clerk told me that they NEVER EVER report anything to the bureaus and they do not verify anything with the bureaus. The credit bureaus are not validating any information with the originator of this said account. A third party is hear say and is not validation. The courts cant and wont produce my signature on any paperwork so i am asking again for them to remove this inaccurate account. Or Send me method of validation with the courts and the name and contact information from this person so that i can dispute directly with that person because this is inaccurate. Third party is not valid.

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 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed Chapter XXXX on XX/XX/XXXX. My payment plan was for 60 months with 100 percent payback, which I have completed and complied with the court system. My Transunion credit report, as of XX/XX/XXXX, still does not reflect the " status '' of the chapter XXXX case. It 's been a little over 69 months since the chapter XXXX was filed. The Bankruptcy Law states a chapter XXXX time period is between 36 and 60 months. My Transunion report should have either a discharge status, dismissed status, or closed status. It 's been a little over 9 months since the bankruptcy 's time limit. Nine months is outside the time frame of reporting the " status " in a timely manner.

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 2017-04-07
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX still not give me any result form my first dispute XXXX XXXX, 2017

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 2017-01-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Subject : One Main Financial XXXX : XXXX I applied and was approved for a loan in the amount of $ XXXX received {$1700.00} in my bank account XXXX/XXXX/2017. The reason for the loan was to pay off a high interest payday loan. ( XXXX loan center ). Amount {$1800.00}. 

When I did n't receive the full dollar amount I called One Main and was told they sent a check to Dollar in the amount of {$1800.00} next day mail via XXXX. 

XXXX will not accept checks for payment. ( in contract ). I called One Main after being advised of the contract and the no check policy. I was then told that its up to me to get the check and return it. 

XXXX never received a check. 

One Main advised me that company policy will not issue a new check in my name. It requires the name of the payee and endorsement to the second party. 

Dollar indicated they wo n't endorse the check as they do n't take checks. 

I 've notified One Main and wo n't send me cash to pay off XXXX. 
mean while I 'm stuck with making the payment to One Main and XXXX. One Main refuses to send the money with out the endorsement. ( Loan is {$3500.00} received {$1700.00} ). 

I signed up for auto pay for payment. I need help, as I 've been hung up on XXXX time trying to work out a solution for the lack of pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Penn Credit Corporation alleges that I owe {$410.00} for a red light traffic violation on XX/XX/2015. Firstly, Penn Credit failed to properly serve notice of the violation. I, XXXX, never received a ticket nor violation notice from a human person. I am inclined to take legal action unless Penn Credit immediately ceases all collection attempts. 
Under the Fair Debt Collection Practices Act, 15 USC Section 1692, a debt collector must provide a verification of the alleged debt. The debt collector is mandated to cease all collection activity until verification is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: CAB Receivables, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Cab Collection Agency placed a charge on my credit report after sending me one notice. I then called XXXX ( who forwarded the information to Cab prematurely ) making payment arrangements and making sure insurance information was correct. XXXX said they would take it out of collections and bill it properly. They did not contact the collection agency about the payments I was making and they did not bill the correct insurance provider which led to it being sent to collections in the first place. And when I brought this up to Cab they stated that they could only remove it from my credit report if XXXX tells them to or if I fully paid the account. Cab should have also done due diligence to ensure that the accounts they receive are only sent after the company has not had success with the patient. I was doing my part and they should n't have been so quick to send it to collections without verifying the debt, communications with the patient, etc. Cab Collection Agency also should have had the " please see the reverse side for an important consumer notice '' at the bottom instead the middle of the page to prevent the right to dispute information being overlooked.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I am completing this because I could not add to my existing complaint XXXX. 

1. I never received the written response from One Main that was sent to your agency. 

2. I did close a new loan combining the XXXX loans on XX/XX/2016. The interest rate is as it should have been all along. 
I was given a check for XXXX. I was told that I would receive a separate check reimbursing me for all the interest I was charged and not as promised. After closing the loan I have not been contacted. I have received only correspondence on changes to loans. 

3. I believe that interest should have been deducted and that amount should have been financed. 

4. What are their intentions regarding the interest. 

5. I spoke to XXXX in Customer XXXX for One Main. She is the person who contacted me and facilitated the offers. She and the branch manager told me I would get a separate check for the interest in question. XXXX also mentioned I would get something for my treatment and duress. When I called her later she told me she was leaving and the only thing I would get is the interest payment. The branch manager stated that it would take time to calculate what was to be given back to me. I believe his name is XXXX. 

I have a document that I would like the CFPB include in my complaint. I would like fax to send in. I can not seem to attach to this document.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX, my wife XXXX XXXX XXXX needed money to return to school ( University of XXXX XXXX, XXXX ) in order to complete her study and obtain her degree of XXXX in XXXX with concentration in XXXX. I decided to take a Loan from Cashcall of average {$2600.00} in order to pay for all my wife 's school expenses. 
After receiving our XX/XX/XXXX taxes return, I decided on XXXX/XXXX/XXXX to fully paid off the Cashcall loan that with the amount of {$2700.00}. 

IF Cashcall need furthers information they must contact XXXX XXXX to enquire about that issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
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:
There is a collection for {$210.00} on my Equifax report. I was not made aware of it and never got anything from any collection company stating I had been turned over to collections. I called a medical billing company I thought it might be, they said it wasn't them. That leaves an unknown company damaging my credit with no notification to me. I want this item removed and never put back on my credit. If it is I will promptly sue the biller and the collection agency for numerous Fair Credit Act violations. See page page 2 of the report attached, top of the page.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2016 I was charged {$280.00} by XXXX. On XX/XX/2016, I was also charged an additional {$340.00} by XXXX. Upon check out, The hotel gave me a receipt that shows these two amount would be refunded to my debit card ending in XXXX. But I never received that refund. Wells Fargo sent me a letter saying they messed up their investigation and that the credit of {$630.00} was permanent. But then 2 weeks later took back the money and refuse to give it back. I called the hotel and the hotel manager said they refunded me that money the same day I checked out and that the bank had made some kind of error. The bank does not want to refund me my money even though I have provided them with proof after proof.

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 2017-04-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received my home mortgage with Wells Fargo on XX/XX/2012. When I first applied for my mortgage with Wells Fargo bank I was told if I put down 20 % of the value of the home I would NOT have to pay the loan insurance fee every month. I put down the 20 % towards the value of my home and I got my loan. Later on I saw that the bank included a loan insurance fee in my monthly payments. I questioned it and I was told to ask later on and will come of eventually. When it did n't come of I was told by Wells Fargo that it will take 5 years to come of. I think Wells Fargo should fix this issue as soon as possible.

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 2016-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
There has been a report against my social security number of a bank account issued through Bank of America. The reports states that there was suspected fraud activity. I once had an account with Bank of America but it has been closed, but not for fraud. I also was n't notified of account closure for this reason.

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 2016-02-02
Company: Navient Solutions, LLC.
State: NC
Product: Other financial service
Sub-product: Debt settlement
Issue: Customer service/Customer relations

Complaint:
Calling me on my job and submitting personal information to co-workers in reference to the debt. Also, the debt collector 's attitude and style of questioning was very unprofessional. I felt I was being interrogated while working.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have been disputing an account that does not belong to me with National Credit Systems since 2009. The account was removed from my credit with the Credit bureaus. Now, National Credit systems has placed the account that was removed 6 years later back on my credit. I have contacted National credit certified mail just like I did 6 years ago, and still no response back from them. National Credit Systems has never sent me a billing statement, a response letter, or a notice stating my right to dispute. They do not send anything. Instead, they just keep accessing my credit report without my consent. I have never opened an account with National Credit Systems, therefore, it is illegal for them to possess any of my personal information. I have never done business with National Credit Systems, therefore, it should be illegal for them to access my credit file. I did not do business with National Credit Systems, therefore, they have no right to list or continue to list this account that does not belong to me on my credit file.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation