BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-28
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 am recently paying for my student loan that is defaulted. I been making on time payments of the amount i am able to afford. I have been asking for paper reciept and to file for my taxes but i have never recieved. I was told to make 9 monthly continues payment and my loans should be out of default, now i am getting a letter from a different loan servicing threatining a wage garnishment for the same loans i have already made 9 consecutive payments of thinking i would be out of default.

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 2016-07-26
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
unauthorized use of estate 1 ) Name and address of the holder in due course of the alleged Debt, 2 ) A copy of the original signed Contract and all of its amendments, addendums, between the parties, 3 ) Copy of the original signature for each item listed on the account statements, Verification is to be attested, under penalty of perjury, by a wet ink signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit card through XXXX XXXX. Work/Finances affected by covid19 in XXXX, called company and was assured late payments would not affect credit during the crisis, as work was sporadic, paying when I could. I was told this was covered under their covid19 forgiveness plan, and anything during those months in 2020 would not be reported as late to credit agencies. It was reported to credit agencies regardless, I disputed, mentioning the covid19 forgiveness commentary, which is still on their website as an option even now. Instantly determined nothing was wrong.

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 2022-03-27
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX  has wrote off the account as profit & loss but continues to report a balance. The account should not be reporting a past due balance on my credit. I have disputed with all 3 credit bureaus but they all continue to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: FL
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:
the accounts listed are fraudulent someone use my social security number and photo id to open these fraudulent accounts in my name i have made criminal complaints with local and federal agencies I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XXXX mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Green Square Company LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Telling me I have a returned item from my bank which I do n't have anything ... I have verified with my bank I have had NO returned items ... And it 's in my best interest to call them back ...

Company response to consumer: Closed
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On ( XX/XX/20 ), I sent a letter regarding inaccurate and unknown accounts on my credit report. To this day, it has been over 45 days later, and I have not received a response yet. I feel like I am being taken advantage of, and my disputes are being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately. It has been well over that timeframe, so these misleading should be deleted promptly. 

I've sent out a second attempt to have the items removed ; if there are no responses again, I will move forward to file litigation due to the stress it has caused me. I have also discovered that I am a victim of the XXXX  data breach, which impacted my information ; I am deeply concerned with my personal information having likely got into the wrong persons ' hands.

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 2015-08-11
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been trying to get this information deleted from my credit report I have made multiple attempts to contact the creditor and have n't got any response. I sent a letter requesting information per the Fair Debt Collection and practices Act and have never gotten a response. When i call the number listed on my credit report an answering system asks for my SS number then hangs up on me. The information on my credit report has n't been updated since 2009 and the credit agencies refuse to delete. Please contact me by phone or E mail for more Info ... .. The Company I 'm trying to delete is SANTANDER XXXX XXXX, XXXX ( XXXX ) XXXXDirect Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

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 2015-08-05
Company: TENET HEALTHCARE CORPORATION
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have contacted Central Financial Control many times via phone and mail. I have also disputed this collection account with XXXX, which is the only bureau I have a subscription to. I do not believe this is a valid account - I do not believe I owe this money nor that this was ever my account. Rather than providing proof of debt, I received a latter demaning that I prove my own identity in the form of a driver 's license and social security card. I have refused. Further, Central Financial Control reported this colleciton as a " charge off '' in XXXX of 2015, the exact timing of my dispute. I believe firmly they have violated XXXX provisions of the FDCPA, specifically Section 809. I have requested multiple times that this account be removed and as of today, it still appears on my credit report. This is the only collection I have, and it is causing me great harm as I shop for a mortgage. Please help me resolve this issue. Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: M&T BANK CORPORATION
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I open up a RV Loan with M & T Bank in XX/XX/XXXX. Recently The RV was flipped and considered totaled after hurricane Zeta on XX/XX/XXXX. Most {$31000.00} was paid in XXXX which still left a balance of around {$4100.00}, the balance as of today is {$3100.00}. I am currently as always making payments on time and have never had a 30 day late. I have very good credit and do not want to do anything to change that especially during these hard time. I had a collection call from someone with a dog barking in the background so I was a little weary. She told me my account has been closed and needed to be paid by with in 20 days or it will be sent to collections. I have all intentions of paying it. I am still dealing with the GAP and RV Dealership to rectify this situation. In the mean time I planned on making all my payments in full if not more every month until this balance is paid in full. She told me it needed to be paid in full this month.

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 2015-05-14
Company: Select Management Resources, LLC
State: TX
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
making car the car was sold a letter was sent to the title loan company telling them the car going to auction off they never came to get it now they are calling me this loan was made harrssing XXXX XXXX XXXX XXXX XXXX XXXX lone star title loans XXXX XXXX XXXX also XXXX XXXX they call you about XXXX XXXX time per day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
When I first reviewed my credit report I realized that the information being reported was inaccurate and misleading. This information has been causing me and my family to get denied whenever I apply for credit. This makes things extremely difficult during the pandemic. My family and I have being suffering for quite sometime now because of the inaccurate information being reported on my credit report! Please remove this information. My initial dispute came back as verified. Which XXXX me off! How can inaccurate information be verified? So I demand that I am sent a detail letter stating how this information was able to be verified.

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 2020-03-19
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
From XX/XX/2020 to XX/XX/2020 I applied for a mortgage with Pentagon Federal Credit Union. The loan officer was eager to do business and pre-qualified me with no issues. As we proceeded through the loan approval process I was told that the credit union would not move forward unless i committed to the appraisal and paid the fee online. I did that as they requested. The appraisal went fine and everything went off to underwriting with no issues. I called the Loan officer on XX/XX/2020 to check on things since the funding contingency was coming up in a week ; I also wanted to check the rates. After 24 hours the loan officer called and left me a message that loan program she quoted me and the details of which were fully described in the Loan Disclosure was a mistake on her part and now I would have to double my down payment in order to qualify for any program. 
I was notified of this 5 days prior to mortgage commitment due date for the purchase. I called to talk to the loan officer and she would not let me speak to a manager. She said a manger would call me, which did not happen. I asked that the appraisal fee be refunded since it was their mistake and not mine. Also, in order to meet my deadline I had to go to another vendor and pay to expedite the appraisals, which was 3x the cost. This lender misrepresented their product and requirements. They then admitted it was their fault, however it is my loss.

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 monetary relief
Consumer complaint received 2022-03-27
Company: AmeriCollect
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid directly to original creditor XXXX  XXXX ( XXXX ) on XX/XX/2022. I have evidence of the two amounts that were owed paid in full ( with my debit card ). 

I have repeatedly disputed the account, XXXX and XXXX XXXX remove it then Americollect re-reports it knowing it is already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: RSR & ASSOCIATES INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
These people called me stating of a credit card that I never owed.  and stated that they were going to sue me.    My guess is that this is a scam

Company response to consumer: Untimely response
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing to dispute all inaccuracies on my credit report with Experian.

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 2021-01-13
Company: Clarkson Law Firm, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX/ XXXX has repeatedly changed the amount that they claim that I owe that is currently in collections on my credit report and every month and it has also been increasing by the month while in collections which is illegal. When i called them to discuss this I am being told that they no longer deal with my account and it is now in the hands of a law firm Clarkson and XXXX. 

Adding monthly to an account in collections that is no longer being handled by the company at hand is not legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: FIRST CASH FINANCIAL SERVICES, INC.
State: CO
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I was double charged at an establishment and was told i could not get my money back. after, speaking with a higher up rep of the company i finally received XXXX of my payments back. Today, I went to pay my loan off and re barrow and now i am being told that i can not because i missed a payment. i have receipts for XXXX and XXXX payment. i contacted the district manager again. And this time i was told to leave the store and that was that. I explained to this person that i have receipts and he still would not honor what i had to say. at this point my contract is void because they did not hold up the end of the agreement on their end. the district manager also hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My name is XXXX D  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX XXXX-XXXX-XXXX-XXXX, XXXX XXXX XXXX-XXXX-XXXX- XXXX. I also have a XXXX XXXX accounts yet NONE are reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.

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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed several times, because I have inquiries that I have not authorized.

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 2016-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I obtained a credit card from Bank of America that I kept in perfect standing at all times. when payments were due, I always paid double or more rather than the minimum amount due. I made a payment before midnight and not knowing the cut off time was XXXX, was charged a late fee. While discussing the situation with an associate a few days later, she got very out of hand and we wounded up exchanging a few argumentative words. I saw where I was not getting anywhere, decided to hang up. She ( I believe ) submitted a request on my behalf to close the account. Not knowing this until I attempted to pay a bill, called the bank and was told that I requested to close the account. They would not reissue my card unless I reapply and they would run my credit which has a hard inquiry toward my credit score. Should I have to go through this after assuring them that I did not request to close my account? Your assistance is greatly appreciated.

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 2016-08-31
Company: The CBE Group, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CBE Group, on behalf of XXXX. 

CBE reps hung up on me 2 times, which is extremely unprofessional. The first time, the rep blatantly lied to me and said she would stay on the line until I received e-mail confirmation of the bill I paid. 

I promptly called back, and a XXXX rep hung up on me while I tried to explain that I have n't received e-mail confirmation. Extremely unprofessional behavior aside, e-mail -- or some type of confirmation -- is important because customers sometimes have no idea if the call is a financial scam. 

Lies, obfuscation, and rudeness reflect very poorly on CBE Group, and XXXX. With the numerous complaints against CBE Group in the Consumer Complaint Database, why is this company still in business, and or why has it not been fined?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card
Issue: Transaction issue

Complaint:
I made a payment to Bank of America from a checking account ( XXXX ) that I am not actively using, thus the account did not have sufficient funds for the payment. I contact BOFA on XXXX/XXXX/17, a day after I made the payment and realized my mistake, and asked them to cancel the transaction. They advised me on the phone at that time that the payment from the XXXX account would be reversed. During the same call I also made a payment over the phone with my new checking account ; that payment was immediately processed. 
On XXXX/XXXX/17 the initial payment from my XXXX checking account still had not been reversed so i called BOFA again and asked that it be reversed. Their representative again stated that it was reversed. I asked that they send me an email confirmation of the reversal. As of today the payment has not been reversed, no email confirmation has been received, and I am incurring overdraft fees from XXXX as a result.

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 monetary relief
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Before applying for the income contingent plan, I have had a really hard time with XXXX trying to get my student loans paid! After being deferred for quite some time I have incurred many fees which have put me further behind on payments! I am still being charged large sums of interest on the income contingent plan

Company response to consumer: Closed with explanation