BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I would like to file complaint against Equifax , XXXX, XXXX on the improper information Serious Delinquency. The oldest account it may back to XX/XX/XXXX. From XX/XX/XXXX to Present, all accounts pay on time. How can it be Serious Delinquency? This is really unacceptable and unfair. This has to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have filed a dispute with equifax to remove my joint chapter XXXX bankrupcy. filed on XXXX/XXXX/XXXX at NV, XXXX XXXX federal court # XXXX XXXX CT-LV, the address is XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX NV XXXX, tel # XXXX. Joint Bankeupcy under XXXX XXXX and XXXX XXXX, case # XXXX. This bankrupcy was dismissed/closed - ch XXXX. 
my original dispute with Equifax was on XXXX/XXXX/XXXX, they refused to remove it and instead of removing it, they are showing on my credit report that the bankrupcy court renewed the date which is my dispute date, which is XXXX/XXXX/XXXX. now I would like them to remove the bankrupcy from my credit report, it is over 7 years old. inclosed is documents and letter of dispute sent to Equifax , I disputed online and by mail. please remember that it is a joint bankrupcy and it has to be removed from my credit report as well as my wife 's. 
Thank you in advance. 
Have a happy and healthy new year. 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX of XXXXI entered a consumer transaction with XXXX of XXXX XXXX in XXXX. 
Exeter Finance is in violation of 15 USC 1605. The finance charge is the sum of all charges however I was charged additional fees totaling XXXX. All alleged debt is confusing, deceptive and and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Wells Fargo is a trash company who put my mortgage in forbearance when no one asked. I've been paying my mortgage on time and in full every month and when I try to refinance my mortgage away from that horrible company, the new company gets a message that my loan is currently in forbearance. I did not ask for or even hint at needing one, yet they still decided to do it without my consent. Wells fargo needs to learn about consent because it's not the first time they have issues with that. Now I have to waste my time fixing their stupidity. Worst mortgage company out there!

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 2017-05-22
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
It was my first student consolidation of my federal loans with navient. I was told by loan representative that because I was  i n  XXXX  I w ou ld get a forgiveness on some of my loan and because of my low income I would get a reduced fee on payments. He said do n't change anything at all when I send you those documents for your consolidation he said he had everything inputted on the application thst would allow me for the forgiveness and reduced rates of repayment ... so I did n't, I looked over the papers and signed and mailed in. I then received my loan papers and it had me at a high % repayment I owed  XXXX  but with loan over and done with it would be well over 150,000, I then seen that my monthly payments a month were 800 some dollars. I was better not going to navient and repaying each loan individually at a lower payment monthly then what I got before. I tried calling the guy after recieving what I quickly learned was an enormous lie from the rep at navient and I got nowhere, I was told there were no notes and nothing was told to me from navient of the sorts of discount monthly payment due to income and forgiveness on some of my loans for being in health care. I am more than willing to filter through all of my papers for the navient ones, I wrote everything down including the man who helped a his phone number and the enormous lies he claimed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I noticed that a credit card company reported my account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately. 

According to section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Navient Solutions, LLC.
State: MI
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 am XXXX of the many that Navient has pushed toward forebarance for the last few years. They locked me out of my online account and have sent me XXXX different emails within the last couple of weeks with XXXX different payment amounts for my next payment due on XX/XX/2017. On XX/XX/2017 the email said my new payment would be {$130.00}. On XX/XX/2017 the email gave a payment amount of {$140.00}, then on XX/XX/2017 the payment amount is {$220.00}. So I do not know what is happening with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
In XX/XX/XXXX I was introduced to a friends family member about a business deal involving a property purchase and flipping the property into a XXXX. The scam XXXX involved persuaded me to use my good credit to get the loan and that she would take care of the monthly payments and fixing the property. After I got the approval i realized that she had me sign over the deed to her father and that her friend was the owner of the property before me and he banked away XXXX. I have not heard from anyone sense that time, the property went into foreclosure my credit was destroyed and I waited years to get this off my credit history. Fast forward to XX/XX/XXXX, I 've now become a married XXXX year old XXXX, with a child on the way and trying to now build a home with my wife family. It has come to my attention that the property tried to be sold twice by short-sale activating the account as well as XXXX sheriff sales that strangely where stopped making all the time i waiting for the property to foreclose having to start over and now I can not be on the mortgage and very possible we can not get our dream home. I was scammed and I understand now that i should never have signed the papers back as a XXXX year old, but I do not deserve to this, my credit is well now, but this is still haunting me to this day. I do not know where else to turn.

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 2016-08-21
Company: TENET HEALTHCARE CORPORATION
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I checked my credit report I seen that a collection was brought forth to me from central Fincl control back in 2013.

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 2015-03-30
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I was contacted by navient ( XXXX XXXX ) on XXXX XXXX, 2015 at approx. XXXX spoke with lady ( never gave name ) who advised me the status of my account. She advised me that I was 2 months behind at the beginning I told her that I could not pay until XXXX and XXXX/XXXX/2015, she advised me that she needed me to pay today or this month. I told her that I could n't she said that my account would escalate and they would start calling my co-signer. I feel very threatned by navient, I am not sure why she would tell me that my co-signer would be contacted, she is already called XXXX times a day so what changes now? I then asked her for a supervisor over XXXX times, and she never transferred the call. She said to me that she needed to know why I wanted a SUP I advised her to complain on her she still continued to speak and make me feel " threatened " and upset. I am currently suffering from a XXXX in which I am not allowed to have any XXXX and this is why I fell behind in my payments. She made me feel like I did something wrong and worse than I already fill. I then had to call back and request another rep XXXX to speak with a SUP he transferred me immediately. In speaking with the sup he advised me that I could set up my arrangement for XXXX and XXXX as previously requested and in addition he advised me that they had the correct card on file that the very rude rep I spoke with first did claims that I did not have on file. In summary, I feel that Navient has mislead me, harassed me and threatened me about my situation please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: T.S. Holdings
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I.Q Data International , Inc has sent me a letter on XX/XX/XXXX that I owe {$750.00} which they have credited to XXXX XXXX XXXX apartments in XXXX XXXX. 
I used to live in XXXX XXXX in these apartments in XXXX, one month before in XX/XX/XXXX I informed them that I am leaving at the end of XXXX, they agreed and signed a paper mutually that everything is clear and they will send my security deposit back to me later. When I called them later asking for my security deposit without any real reason they told me your apartment garbage and lock replacement is the reason you are not eligble to receive it. After almost two years sending another letter from a collection agency claiming the same things and asking for another {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Re : Account # : XXXX, XXXX To Whom It May Concern, I disputed the referenced account above on XXXX/XXXX/XXXX. The credit report of XXXX/XXXX/XXXX shows this item was deleted from my credit file. Now I notice this item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA, as sited below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( XXXX ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause XXXX XXXX XXXX, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( XXXX ) a statement that the disputed information has been reinserted ; XXXX XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and XXXX XXXX XXXX a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS an unknown establishment obtained my information illegally ( Violates Hippa Privacy Act ). XXXX   reported ARS account # XXXX - {$150.00} and ARS account # XXXX - {$37.00}. I disputed thus stated items according to FCRA and obtained a letter from XXXX  and was render a verdict of validated debt. XXXX  never produced required evidence from ARS that was in the initial dispute because there is no validity to this debt. Fair Debt Collections Practices Act, 15 USC 1692g Sec 809 ( b ).

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 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
ftc violations

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 2016-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Bank of America is approving authorizations on my card even though I closed the account. They claim that as long as a merchant continues submitting recurring charges, they 'd approve it. I do n't know how this qualifies as " closing '' an 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 monetary relief
Consumer complaint received 2016-03-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed information about inquiries on my credit for months now. Equifax is saying that it is factual. I had a XXXX XXXX car loan pre-approval. I went to a few dealerships with my approval and told them that I wanted to get a car using my approval. I explained that if they could not use my approval to let me know and I would go somewhere else. They assured me that they would use the approval I had and not submit my information anywhere else. They did the opposite, without my permission. I would like the inquiries removed from my credit. There are a total of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and a host of others. I would like XXXX and Equifax to promptly remove the inquiries because if I had a preapproval of XXXX and the vehicle I wanted was only XXXX or less, why would they seek other financing. I am attaching a copy of my preapproval as proof that I already had my financing before I went to these lots, so therefore, they submitted my information to these companies without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was notified over a month ago by Loancare ( my mortgage servicer ) regarding an escrow reimbursement check in the amount of {$1500.00} that I never received back in 2017. 

I've spoken to 3 different people at Loancare regarding this issue and I've been told that a new check has been requested, and 2 weeks ago I was promised a call back by a supervisor within 2 days and they'd overnight my reimbursement check. I've never received that call nor the check. 

I called Loancare once more last week and the woman I spoke to acknowledged the requested check, but lead me to understand that dragging their feet on issues of this sort is a common occurrence ( according to her ). I informed her that if I hadn't received the check within a week I'd file a complaint with the appropriate government agency. That's the intent of this communication.

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: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient is refusing to come up with a payment or deferment plan that is suitable. I am working on a XXXX and they say that I have no more " in school deferment '' time. The documentation that I signed states no such limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Apex Resolution Group LLC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
For the past month I have been getting calls from all different numbers, but it 's always the same recording when I answer. They are claiming to be from Apex Resolution Group and stating that I am a person of interest and a lawsuit has been filed against me and to return their call asap. I called back several times, only to get a generic voicemail. I called back a different number yesterday ( one of the many that continuously call me ) and a man asnswered. He claims I owe over XXXX to XXXX and I 'm being sued. I did n't give any personal information because he already had it. My married name, my social, everything. That is startling. I know I had a debt with XXXX but it was settled and that was 9 years ago. So I told him this did n't sound right and he got angry and snarky with me saying he was sending someone to my job to serve me papers. When I told him I do n't work there anymore, he got even angrier and said he would send someone there anyways just to make sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to set up an estate banking account at Wells Fargo bank. I was told by the Store Manager - XXXX XXXX - that I can not have that type of bank account, I need to set up a checking account linked to a savings account. I objected but she would not budge. Also, the Short Certificate ( I am the Executor ), had my married name, but the Will had my maiden name. Wells Fargo legal accepted the documents, but the Store Manager demanded that I bring in a copy of my marriage certificate or else she would close the account. I opened the account with XXXX checks - XXXX of which was a certified bank check from XXXX. She told me that it would take 8 days for the checks to clear. In addition, she looked into other unrelated accounts I had with Wells Fargo and suggested that I do something else with those accounts. I objected to her inspection, yet she continued on about that account and kept asking me to look at other banking arrangements for that account. I explained very clearly to her that I was there to set up a checking account only for the estate of my mother, but she did not listen. She took my checks and told me that the funds would be available 8 days later ; however I needed to provide to her a copy of my marriage cetificate ( she wanted it, not legal ) or else she would close the account. I waited five days and decided to close the account out today, but she refused to close the account and began to instruct me on how I should be doing my banking. I am very insulted by her lack of people skills ... her inspection into unrelated accounts ... her insulting my intelligence, especially at this most difficult time. Plus, when I went to close the account, she threatened to call law enforcement because I was becoming upset at her insulting nature. I am concerned that the money for the estate is being held up due to this person 's views on banking and the possibility that my concerns were dismissed because of my ethnicity.

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 2022-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
To whom it may concern, I hired a company called moving staffers for a recent move. I canceled their services within the terms of the contract to receive a refund. They refunded me and then tried to slip charges by me after the fact. I disputed with Capital One. Capital one credited my account. Then reversed the credit. 

The lack of continuity in the process has hurt my credit because the balance on my credit card is going up and down a dramatic amount. These charges by moving staffers are fraudulent and need to be removed.

Company response to consumer: Closed with monetary relief