BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-21
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
A representative of Municipal Services Bureau called me saying that I owed $ 1,000+ for unpaid traffic tickets and that a warrant had been issued for my arrest. When I explained that I have no unpaid traffic tickets and that in fact had not received a ticket in 8 yrs ( which had been paid off ), I was told that I still owed them money unless I provided proof of having paid off the ticket. At this point I terminated the conversation. 

Upon checking for outstanding warrants under my name on the internet, I found that there were none. I can only guess that the representatives are told to say this in effort to extort money from people. I have a feeling that what they are doing is illegal but I am not positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
American Express green card interfered with my mortgage refinancing. American Express deceptively solicited a credit card which is not a credit card it is a charge card. It should have state it is a charge card on the card. When I applied for mortgage refinancing American Express requires the card to be paid off in full and cancelled. It held up the process. I had to take on additional credit from a real credit card to pay off the balance. This all delayed the process causing even more headaches. The refinancing did not end up going through and my credit cards are in charge off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I received a letter from Navient dated XXXX/XXXX/XXXX that informed me that they were increasing my monthly payment even though I am enrolled in an IDR program. When I called to see what was going on they told me they had received new income information in XXXX from XXXX and that I should contact XXXX with any questions. However, I have not submitted a IDR request since XXXX/XXXX/XXXX, which was confirmed when I contacted XXXX. When I attempted to call Navient back, I was put on hold for 15 min. then hung up on by their customer service representative. I also went back through my payment history, and even though a payment of {$3000.00} was made on my account in XXXX XXXX through the XXXX loan forgiveness program, my account does n't seem to reflect a lower balance. In fact, according to the letter they just sent it I still owe over {$4000.00} even though my original loan amount was just over {$6000.00} and I 've been making regular monthly payments, as well as the payments made by XXXX on my behalf. Something is seriously wrong here. I feel like I am being charged more money than I actually owe and having my monthly payment increased without justification. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I 've reviewed my statements from Navient for the life of my loans. They have added interest and charged interest rates while I was on Deference that they are unable to explain, justify, or give an account for. This has added to my debt and has prevented me from repaying the principle payment down, as my interest payment is higher and/or more dedicated from my payments to my loans per month, even with a 3.5 % interest rate. In addition, while I have taken several Forbearances on this loan, I specifically asked a Navient Representative if I can re-apply for a deferment where my XXXX of my loans does not accrue interest. I was told that program ( non-interest bearingDeferment ) does not exist any longer and have been misled into interest bearing forbearance. I have attached the documents necessary to show the odd and predatory interest rate charges that do not adhere to mathematical or ethical standards for the life of this loan. 
This is a predatory lender and they steer into interest accruing forbearance to keep the lender in debt for longer periods of time. My circumstance for the forbearance allowed for an actual deferment, not interest bearing forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Northeast Collection Bureau
State: AR
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I received a phone call at my place of employment from a XXXX XXXX calling from XXXX ( northeast Collection Bureau ). He stated that my file was bought by them and am currently {$3000.00} in debt, but that is not the amount I was told in XX/XX/XXXX. In the month of XX/XX/XXXX I was told {$1200.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: ALLY FINANCIAL INC.
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
We financed an auto Ally and we were excited. A year into our loan we lost our jobs and tried to maintain paying for all of our expenses. We called into Ally trying to salvage our loan and explain our situation. They refused to work with us or give us options to retain our vehicle. We ended up have the car repossed after months of trying to maintain our good standing with Ally. We have been trying to pay down the outstanding balance owed but Ally refuses to give us affordable payment options or give us a pay off balance. On two separate occasions they have asked a judge for permission to wipe out our acts leaving us with less than XXXX to survive on. When we call we can not get through and if we reach a live rep they continuously tell us how they are owed the money. We want to pay off our debt to them but we do not know the outstanding balance. We need real answers in order to hold up our financial ends.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act 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 2017-02-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I am unable to get a duplicate title for my vehicle. As per New jersey XXXX, there still exists a lien. The lienholder seems to be out of business. I have attached documents showing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Re : Consumer Financial Protection Bureau, case # : XXXX Transunion Credit file : XXXX, reply to letter of XXXX 
Please see ( PDF page XXXX of Trans Union complete credit report ) the attached exhibit as documentary proof of Trans Union 's disingenuous response of what it was instructed to do by the creditor. ( see CFPB response ) and of the willful malicious insistence to continue reporting said adverse and incorrect information. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2016-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I recently called BofA to inquire about a credit card payment. The representative who answered my called was asking me for the XXXX digit code number at the back of my debit card after giving out the my debit card information. This should be a cause for a concern. My debit card can be comprised because having giving out my debit card information and the XXXX digit code it can be used for something else. And BofA should stop doing this to its customers as a way of verifying their 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 2016-06-03
Company: NJ LENDERS CORP
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Lender is pressuring me/ deceiving me in to purchasing products/ repairs I DO NOT NEED OR WANT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-07
Company: MARINER FINANCE, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
SUNBELT CREDITXXXX XXXX XXXX, XXXXThis company provide me with the service of a personal loan I 'm purchased a couple of Insurances just in case to cover the loan is like life unemployment and etcetera I informed the financial situation about it me beign unemployed they will they said they will mail me the unemployment claim package they never did so they never submit that information to the insurance company for them to pay off the balance due to unemployment and since I pay for that insurance on the loan and I inform them but they never did anything about it I try to validate the account with them but the information that they send me does not meet the Federal Credit Reporting Act criteria

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have a leased car from KIA motors. In my contract it states I am liable for toll fines. Apparently I had a toll fine in the state of MA. I was unaware of the fine and would have protested it. MA billed the fine directly to KIA. The fine was {$50.00}. KIA paid the fine late and was assessed a late fee of {$40.00} for a total of {$90.00}. KIA paid the fine without my knowledge. KIA then sent me a copy of the fine from the state of MA and a bill for {$50.00}. KIA did n't try and charge me the late fee. I tried to protest but was told by the state of MA I could n't because the fine was already paid. Frustrated I paid the {$50.00}. This month I got my normal lease bill in the mail and it included tax on the fine. I called KIA and questioned the tax. KIA told me the contract allows them to charge me tax. I questioned how they can charge me tax on a state fine when there is no tax on the fine. I want this reversed. I told them I am not paying the tax. This should be illegal. I am concerned this will hit my credit report.

Company response to consumer: Closed
Consumer complaint received 2015-12-23
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receiving unwanted phone calls from XXXX. Last time they try was XXXX/XXXX/2015 at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-31
Company: Radius Global Solutions LLC
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX Account by CCSThis is wife 's debt that I have been handlingCCS agreed to remove a collection account from the credit bureaus if I paid in full. 
I paid in full and it is being reported as a paid collection as of XXXX/XXXX/15 which is not what was agreed to. 

I was called by XXXX XXXX from CCS at XXXX XXXX/XXXX/15. 
He instructed me to call the XXXX Law firm as they had the file and to make payment arrangements with them and then CCS would delete. 

I called XXXX XXXX at XXXX XXXX XXXX/XXXX/15 to discuss payment and was told that they would notify CCS of the payment but did not control what was reported to credit bureaus. 

I called CCS back at XXXX at XXXX XXXX/XXXX/15 ( 11 minute call XXXX to make sure that the agreement was to delete the trade line at the 3 credit bureaus, not just report them as a paid collection. I spoke to the first gentleman who answered the phone ( I do not have his name ) and he finally transferred me to XXXX who assured me that this would be deleted. 

I called the original creditor XXXX at XXXX XXXX at XXXX XXXX/XXXX/15 to verify it was OK to pay law firm. She confirmed and also stated that she would send a letter to CCS requesting deletion from credit bureau also if they wanted it. 

I called XXXX XXXX at XXXX XXXX/XXXX/15 and made payment. 

I received a phone call form XXXX XXXX at XXXX on XXXX/XXXX/15 in regards to an email explaining the incorrect reporting. He told me that after his supervisor listened to the recording on XXXX/XXXX/15 at XXXX that no mention of deleting the trade line after payment in full was discussed. 

I told him to listen to the 2nd call that we had that day at XXXX that I made before paying to make sure of the tradeline deletion. He had his supervisor listen and came back on the line and said it would be deleted and that there was some mistake. 

Filed BBB complaint XXXX. They responded XXXX that they submitted for deletion on XXXX but we have no control over CRA timetable for updating. 

I rejected their response and requested confirmation numbers for the deletion request.. 

They responded XXXX saying they will resubmit but we have no control over CRA timetable. No confirmation numbers given like I asked. 

As of XXXX it has not been deleted as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XX/XX/XXXX I electronically filed an investigation on XXXX XXXX XXXX accounts : 1 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$170000.00} and 2 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX. I asked it to be removed from my credit reports based on the Independent Foreclosure review performed by the Office of the Comptroller. Per this review, the Office of the Comptroller concluded that XXXX XXXX XXXX practiced " deficient mortgage servicing and foreclosure processes. '' As due diligence does not appear to have been performed by any of the CRAs on this matter, I am asking that these items be removed from my credit report immediately and a rapid re-score be performed. 
Also, I am seeking damages as this derogatory information based on " deficient mortgage servicing and foreclosure processes. '' caused me to be denied employment.

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 2015-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I noticed when checking my credit report that there was a bankruptcy on there and I called transunion to dispute it and they told me that I would have to call the consumer which is the XXXX XXXX Court when in calling them I gave them the necessary information and they informed me that they had no record of me having a bankruptcy in there court system. So I then called back to transunion to dispute it once again and they sent me a letter stating that it is indeed me that has a bankruptcy. I have never lived in the state of California. Now I called the courts back and they had me get in contact with the US trustees, they did some digging and found out that it is a male with my madden last name and our last XXXX digits are the same but the rest of our SS numbers are different. And for the life of me I do n't understand how this could happen and if I found out this information why could n't do the same. And if it is on Transunions why does n't it appear on the others if it were true. I would like this to be taken care of. They were rude when I called them and I really did not appreciate the way they talked to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
NONE of the credit reporting agencies ( Experian, XXXX, or XXXX ) explain HOW a credit score calculation is done ( there is only information regarding what " % '' of a credit score is from various sources-e.g. debts, credit utilization, etc. ). Please INVESTIGATE EACH CREDIT REPORTING AGENCY and find out WHY there is NO INFORMATION given to consumers regarding HOW a credit report score is calculated!

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 2016-04-18
Company: Simon's Agency, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The account continues to come up on my credit report and I have no knowledge of the accounts. 
where did the debt originate? I sent a letter directly to Simon 's Agency requesting this information via US mail over 30 days ago and have yet to receive a response. 

I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof of the last payment made on the account if any. 

I have disputed this debt. Therefore, until it is validated, your informationconcerning this debt is assumed to be inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I had my report pull a XXXX 2015 and discovered some items that were either not mine own personal debt or unverified information. 
1. XXXX XXXX XXXX XXXX ) I have never lived in Texas nor do I have any such account PLEASE DELETE. 
2XXXX XXXX XXXX XXXX XXXX I have disputed this account it was never verified I HAVE CONTACTED XXXX there is no record of account please Delete. 
3.XXXX XXXX XXXX XXXX ) this account has No record and is unverifiable please delete. 
4XXXX XXXX ( XXXX ) This account does not have Date of last activity listed Inaccurate please delete. 
5. XXXX ( XXXX ) This account never done business with this company please delete no verification. 
6.XXXX ( XXXX ) This account was never verified 7.XXXX ( XXXX ) This account was disputed and never verified pleae delete.

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 2015-09-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Recently, I discovered my identity and personal info has been stolen. I have been getting numerous calls from my credit card companies and bank telling my someone is trying to access my accounts, open new accounts and more info on me. I was advised to obain a copy of my credit report and FICO score but when I tried to do that, It said I already received XXXX on XXXX/XXXX/2015. I did not. It was someone else. Now I canot get this report because someone else already got it. It said I need a report number to access this credit report. I do not have a report number. What should I do? 
Please Advise, Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief