BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-28
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a relinance with Quicken loans .This bank said I could refiance with a loan for $ XXXX.They would pay off my old loan XXXX and pay credit cards debts for about XXXX.I would get a pay off amount for XXXX..I then gave them XXXX.for an appraisal fee.my house was valued a XXXX I then gave them XXXX/Copy of my sisters mortgage I am a cosigner .A payment agree for the IRS.They asked me how much I owed Irs which is about XXXX.They said as long as my house does not have a lien I could have the loan .This has been since XX/XX/XXXX.They keep asking for cancelled checks for/XXXX/XXXX/XXXX.I gave them 3months of checks front/back.And I have a payment agreement for XXXX-monthly.I do n't have check history because I pay on line .Please help me get my XXXX back. Quicken loans clearly does not want to do business with a XXXX women that owes the IRS/but makes installments to IRS that was agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TMX Finance LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I XXXX XXXX XXXX went to titlemax loans in XXXX XXXX in XXXX Tennessee to apply for a loan. Titlemax insisted on taking my photograph for unknown reasons they never told me exactly how much my monthly payments are they never gave me any copies of the contract I signed they also failed to disclose how exactly the payoff process works. I was also coerced into leaving a positive XXXX review by being threatened that if I didn't that I would be rejected for a loan. I now feel trapped into a toxic loan situation of which I wasn't informed of many details if anything as well as being denied document copies and being coerced by financial threatening me. The loan XXXX I spoke to was XXXX XXXX XXXX I believe him to be a leadership personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: AES/PHEAA
State: MA
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:
This is regarding the Public Service Loan Forgiveness program In XX/XX/XXXX I applied for forgiveness of my federal student loans under the Public Service Loan Forgiveness program ( PSLF ) ; however, on XX/XX/XXXX I was denied participation in the program because I had consolidated my loans. According to FedLoan Servicing, by consolidating my loans the loans are no longer considered Direct Student Loans and therefore not eligible for forgiveness under PSLF. In XX/XX/XXXX, I had consolidated my direct and XXXX XXXX XXXX loans with XXXX XXXX in order to better afford to repay my loan obligation. Since the PSLF program was not yet an option, I could not have anticipated that consolidating my loans would prevent me from participating in a program instituted at a future date. When the PSLF program was announced, I determined that I would remain employed in XXXX XXXX until I became eligible to participate in PSLF. I have now been working in XXXX XXXX for nearly 20 years, but would have made different career choices had I known that my former direct student loans were not eligible for discharge. After the FedLoan Servicing 's denial, I contacted them about next steps and was flippantly informed that it would take an act of Congress to get my loans discharged! I have kept my end of the bargain. I have traded years of service in XXXX XXXX and years on-time payments of my student loans for the promise that my loans would be forgiven in XX/XX/XXXX. Can you assist in obtaining forgiveness for my formerly direct student loans? Thank you. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, we reported to Experian credit bureau that my balance on my Visa account was not {$15000.00} USD, but the right amount was {$850.00} USD, what they did later was Experian deleted my Visa account in order to decrease my Credit score by about 100 points. They are doing this Maneuver to many people as we read on the Webside. Thank you for your help. We hope someone can stop this injustice of this major credit bureau.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Transunion Reporting Bureau complaint : A Debt collection Company, Quick Collection, reported a false collection to all 3 Credit Bureaus. I, through Certified Letter correspondence, challenged the reporting and demanded " Validation, '' Proof, of an actual debt. Original letters all dated ( XXXX ). None of the 3 Bureaus were able to do so. Nor was XXXX XXXX able to, ( XXXX letters sent XXXX and XXXX ). XXXX ( XXXX ) and XXXX ( XXXX ) both immediately removed the False report from their Bureau sites. All letters sent Certified mail. Transunion to date has never responded, reported " In Dispute '' on my bureau report or at any time Validated any truth to a collection being owed by me to XXXX XXXX. Certified letters of demand were sent XXXX, XXXX, XXXX to Transunion ( XXXX XXXX XXXX XXXX  XXXX XXXX ) with no return correspondence or validation of any contract, signatures, times, dates. Nothing to validate any debt. It is still being reported on my Transunion bureau report. Most recently between XXXX and XXXX, Transunion removed the collection and my score increased accordingly, about XXXX points. XXXX Transunion re-reported the false debt causing my score to plummet XXXX points on the Transunion Bureau site in one day. ( Have in hand XXXX, 3-Bureau XXXX page, XXXX page and XXXX page ), Credit reports proving this, dated XXXX, XXXX, XXXX ) Still no proof or validation of any debt being owed. I am also seeking damages though the courts. This has to stop and Transunion delt with accordingly for willingly reporting false, un-VALIDATED, no PROOF, Character damaging information.

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 2017-08-28
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: Their investigation did not fix an error on your report

Complaint:
TransUnion incorrectly deleted my mortgage account with XXXX XXXX XXXX off of my credit report versus reporting the account as paid in full with all payments paid satisfactorily.

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 2022-08-25
Company: Experian Information Solutions Inc.
State: PA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with inaccurate information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$810.00} XXXXXXXX XXXXBalance : {$8800.00} XXXX XXXXXXXX XXXXBalance : {$640.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXXBalance : {$8700.00} XXXX XXXX XXXXBalance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit report shows I opened a account through Barclays you promise XXXX that I did not apply for and was approved for {$20000.00} I called the company they said they couldnt close the account because someone filed for a lost or stolen credit card I have frozen my credit but Barclays opened another account under XXXX and there security team said they cant stop whoever it is from opening up more automatically that I would have to call them every day

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 2017-06-13
Company: TD BANK US HOLDING COMPANY
State: GA
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:
TD Bank USA/Target Card Reported on    XXXX   credit bureau twice.  XXXX  different account numbers,  XXXX  different open dates  XXXX  for  XXXX / XXXX / XXXX  and the other  XXXX / XXXX / XXXX .    XXXX  account charge off amount says {$0.00}, the other account says {$1100.00}. I contacted Target yesterday  XXXX / XXXX / XXXX  about the accounts, c she verified I only had  XXXX  account with them that was settled in  XXXX   XXXX  and said I should dispute with credit bureau. I tried twice prior to calling and it was never removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-21
Company: SYNCHRONY FINANCIAL
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, PayPal closed my credit account this month with no warning. I had the balance paid off and everything, and I never had any issues. While XXXX  this problem, I saw that it happens to many people. I just thought someone should be aware that they cancel paid off credit cards for no 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 2017-06-13
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a credit card back in  XXXX  I did not pay it, I believe it was   XXXX   XXXX  , the balance was approx.  XXXX . A judgement was filed against me in NJ court by the original creditor. The debt was then purchased by  XXXX   XXXX  and they filed an additional judgement for approx {$2800.00}. On  XXXX   XXXX ,  XXXX  my checking account was levied by  Pressler & Pressler  of {$2400.00} plus {$120.00} service fee to my bank. I was left with {$0.00}, I am a single parent raising an adult with  XXXX . I was FURIOUS. I calle d Pressler & Pressler I w as hysterical crying, the attorney I spoke to,  XXXX   XXXX , was laughing at me. She is a disgrace to that profession. I was left with no money and a hold on my bank account which I still have on it to this day. I contacted the court in  XXXX  NJ where this was filed and was informed the amount is a few dollars short of {$3900.00}. Having recently gotten a job I did not want any type of garnishment filed ( which they were going to do ) I am in a payment arrangement with the NJ court now, I have paid them {$400.00} in addition to the {$2400.00} they swiped from my bank account. I have to pay the entire amount of {$3800.00}. and then go to NJ and get the release of the judgement and hope that is the end of it. I recently had my credit run and  TWO  judgements came up, the one I am paying off, which on my credit report it is for less than the court is claiming I owe. And the  Original one  that the second  one  is based off of. Needless to say that did n't look good. So, how do I get the original purchased judgement removed? And how is it possible that a judgement of {$1900.00} has ballooned to {$3900.00} and they were able to wipe my bank account clean? I have no rights? I was told I could come down to the court with  three  months bank statements and maybe get {$1000.00} of my money back. I have a job, a   XXXX   with  XXXX  and I do n't live in NJ anymore, how would that be a feasible option? I feel like the court is in bed with this  Pressler and Pressler , and HOW does a judgment filed by  XXXX   XXXX  get collected on by  Pressler and Pressler ? And that attorney,  XXXX   XXXX  should be disbarred ; she is a disgrace. I have to believe I am not the first nor the last to complain about  Pressler and Pressler , they seem to have quite a track record of preying on consumers. And  one  other thing, the address that  XXXX   XXXX  told me the notices were going to, I have not lived at since  XXXX . Which means they were getting the items returned. I had not received ( until recently ) a single piece of mail stating this debt existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: AZ
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:
To : Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you

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 2022-04-02
Company: EQUIFAX, INC.
State: GA
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:
I have a XXXX XXXX XXXX with XXXX University who decided in XX/XX/XXXX to switch their accounting to the Department of Education ( DOE ). Prior to this switch, they had XXXX  XXXX XXXX ( XXXX ) as their accounting service. They did switch and per the DOE 's website, my payment had a due date of XX/XX/XXXX. The last statement I rec 'd from XXXX was in XX/XX/XXXX, which had a due date of XX/XX/XXXX. That was paid and I even did due diligence and paid an addtl payment at the end of XX/XX/XXXX, even though I had no addtl statements from XXXX. I took a screenshot of their website on XX/XX/XXXX and it reflected their wasnt anything due and my last login prior to the XX/XX/XXXX login was XX/XX/XXXX. I received a notice from XXXX University at the beginning of XX/XX/XXXX stating they decided to not use the DOE for accounting and would continue with XXXX. I received a call from a XXXX rep on XX/XX/XXXX stating my account was 100 days past due. I still had no addtl statements or correspondence from XXXX  after the XX/XX/XXXX statement, which I explained to the rep. I also explained to her that XXXX decided to use DOE for accounting and then changed its mind. She said she understood and would have someone look into in to it. I checked XXXXXXXX XXXX website while on the phone with the rep ( XX/XX/XXXX ), and it reflected an amount due of {$58.00}, but had a due date of XX/XX/XXXX. When I went to pay it, it showed it as a past due balance, which was erroneous. I paid an amount of {$130.00} that day ( XX/XX/XXXX ), just to even one of my bank accounts. Mind you, nothing was due XXXX. On XX/XX/XXXX, I received an email from XXXX stating there were documents on my account. I checked my account portal and behold, there was a past due notice ... .again, still no statement generated from XXXX after XX/XX/XXXX and XX/XX/XXXX, their website reflected an amount due of {$170.00}, but with a due date of XXXX. Remember, there was only an erroneous past due balance on XXXX. 
I filed a complaint with the XXXX  on XX/XX/XXXX with the above details, along with screenshots of their website, etc., and received a response from XXXX stating my account would be corrected and that nothing was reported past due. 
I received a credit alert on XX/XX/XXXX regarding a delinquency on my credit file. Behold, its regarding this particular student loan and showing that it was 60 days past due as of XX/XX/XXXX. This is incorrect. Look at the screenshot dates versus the conflicting/erroneous information on XXXX 's website, as well as the screenshot from the DOE 's website with the XXXX due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My car was repossessed in 2019. I never received anything from them regarding the sale of car or my personal items from vehicle The car was them sold for {$500.00} and never received my belongings from vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: GA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: World Acceptance Corporation
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company call World Finance Corp. have sent ( 4 ) account to the 3 credit bureau which they told me that they was going to do. I explain to them that they was not mine. The first one is Acct : XXXX Date Open : XXXX Amount : {$760.00} Acct : XXXX Date Open : XX/XX/XXXXAmount : {$760.00} Acct : XXXX Date Open : XX/XX/XXXXAmount : {$0.00} Acct : XXXX Date Open:XX/XX/XXXXI told them they was not mines and to removed them from my credit report.They told me that when the credit bureau contract them they was going to tell them they was mine and they did just what they said.I know they can only go by what the company say.How could they be so wrong and do thing to people just to collect money. Always call your house and threatening you by tell you your credit will be ruin if you don '' t pay this off.I don '' t understand how they can do this and get off .They call me all the time tell me to pay up are they going to seen a letter to my SSA and collect the money from them. I live on a month-to-month basic. All I ask is please help me get this stop all the threatening is upsetting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: GOLDMAN SACHS BANK USA
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The Apple Card app told me that to avoid an interest charge of {$14.00}, I needed to make a payment of {$560.00} by XXXX on XX/XX/XXXX. I made a payment of {$560.00} on XX/XX/XXXX and I was charged interest of {$14.00} on XX/XX/XXXX. 

I reported an issue through the app and I was routed to chat with a Goldman Sachs representative. I was told that I was charged because it is a " trailing interest charge. '' I said that it was fraudulent and went back and forth discussing it and the representative processed a request to waive the interest and filed a complaint on my behalf. 

The Apple Card is advertised as being straightforward and easy to use and understand, such as the following quote from the apple website, " With Apple Card, we completely reinvented the credit card. Your information lives on your XXXX, beautifully laid out and easy to understand. We eliminated fees and built tools to help you pay less interest ... '' The app told me how much I needed to pay and when to avoid the interest charge and I was still charged interest. 

Waiving interest this time does not fix the problem. It is fraudulent to tout about the benefits of the card, the ease of use, and plain terms that anyone can understand and explicitly state pay this amount by this date to avoid this interest charge and still charge the interest. Apple and Goldman Sachs need to fix their app and advertising to reflect their policies or change their policies to match their advertising and the information they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/2017     Capital One was d eceitful in the mailer offer received I do not fill that the offer or cli provided was given with regard to my rights under the FCRA. To add further insult I feel I was treated poorly based on m y sexual orientati on and multiple times I was called a Ma'am during the call when I have applied a male -  XXXX  is not a female name -  XXXX  is ....

Company response to consumer: Closed with explanation