BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-13
Company: Lionstone Holdings Group
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Received a call on my cell phone stating that they will be at my house tomorrow to bring paperwork because I am being sued. I was like hold on what is this all about? The lady gave me a number to call and said she thought they contacted me. I called the number she gave me and was on hold a long time. The gentleman picked up and was eager to get my info. They named a debt that I was paying to another company and told me my payment declined and now they have taken over. I know for a fact my payment would have not declined because the debt was coming out on payday. I was like look I need to see something in writing because the balance is higher than what it should be he got rude and then I told him XXXX I need something in writing not giving my information out randomly. I asked for a manager. The manager insisted I had to pay {$180.00} a month XXXX bi weekly. I explained I ca n't afford that. I said the best I can do is XXXX and pay extra when I can. She said no call me back when you can agree to the terms and hung up on me. I called back and hour later and got someone extremely nice that explained the company sold and merged and the accounts set without payments. I set up a payment arrangement because of {$100.00} because I do n't want my credit hurt. But the XXXX XXXX people were harassing and lying which is so unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
transaction was reported on my credit report that violated my consumer rights. 

15 U.S.C 1681b ( 604 ) - ( A ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) .In accordance with the written consent of the consumer to whom it relates.

I never gave XXXX  written consent to furnish any inquries on my credit report they are in violation of the FCRA.Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2021-09-29
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Have a XXXX card that Wells Fargo funds. I have claimed chapter XXXX XXXX now it is final. they were notified from the court that the account was discharged. and they call everyday. XXXX isn't that harrassment?

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 2016-05-08
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a Barclaycard Arrival credit card. The account was closed by the bank and the department responsible for closing my account refuses to take my phone call to explain to me why the account was closed. They are keeping over {$800.00} worth of points I have earned.

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 2022-11-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently monitored my Credit Report is all Credit Berues ( XXXX, XXXX, and Experian ) and have noticed High Supeciour Fraud Activity in Unsolicited Credit inquiries. I have not made or Authorized any credit application on my behalf to anyone, card, or no new accounts, made by me At this moment. I have counted at least XXXX new inquires and three major Bank Card application inquiries, XXXX XXXX, and One bank XXXX. made from XX/XX/2022 thru XX/XX/2022. One is from XX/XX/2022, from XXXX. Also was unsolicited or Not initiated or made by me. 
The following accounts are Fraud. I never initiated or applied for this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ANY Transactions, inquiries, loan applications, credit cards, or any type of inquiries applications, made after, or initiated after My Escrow account started with XXXX on XX/XX/2022 XXXX XXXX consider as fraud and it should be investigated as such. I have not used my credit to prevent any credit discrepancies and I was taking care of my finances so that I could've able to purchase a home. Therefore, this is very concerning and I would like to report this as Identity Theft and FRAUD Transactions. I am including my current credit report and have placed a Credit Freeze on All Credit Bureaus ' reports. effective today when I became aware of 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 non-monetary relief
Consumer complaint received 2022-11-22
Company: Paramount Recovery Systems, L.P.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A medical debt collection was added to my credit report for {$940.00} on XX/XX/2022 by an agency called Paramount Recovery with the original creditor listed as XXXX XXXX XXXX XXXX XXXX for the date of service being XX/XX/2022. This debt has been paid by both insurance and financial assistance through the system where the services were received, well before it was legal to turn over to collections. I would like action taken against this collection company as well as the original creditor immediately and I would like to pursue a lawsuit against both the original creditors and the collections agency the debt was turned over to immediately as this was highly illegal under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: AES/PHEAA
State: NE
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 a public defender and am going for pslf forgiveness. I am in my fourth year and I have had numerous issues with fedloan. This year, I did not submit my XXXX and and my IDR plan request in time according to my loan holder. I submitted it XXXX because XX/XX/XXXX is the first month in my yearly cycle. Fedloan stated that they needed {$1100.00} because the paperwork was untimely. I told them I did not have XXXX and told them not to withdraw. My loans were defaulted and interest was capitalized. On XX/XX/XXXX I called fedloan to see if the paperwork would be completed in time for me to make a XX/XX/XXXX payment. At this time I was told that the paperwork was incorrect because I had not skipped step 2, like I was supposed to. I mistakenly checked a box in step 2 requesting to be put on the cheapest payment plan. The fedloan rep had me upload another request to my digital inbox. The second request was uploaded. I did not modify this doc as it was generated from the dept of Ed site and had my name, signature, and request to have ibr recalculated all prepopulated. I was assured that this would be satisfactory. I called fedloan a week later because my loans were still in default and another XXXX was being requested for XX/XX/XXXX. This rep expressed concern that the request that I uploaded did not have identifying numbers on it. I explained that a rep walked me through the process and these were forms directly from the dept of Ed that were prepopulated. Eventually he agreed and said call next week. Yesterday I logged into my account. My account no longer shows default but shows that I am on a standard repayment plan and XXXX is due XX/XX/XXXX. I then called fedloan and talked to XXXX, XXXX. She told me that I filled out the request incorrectly. I explained that she must not be seeing the correct request. She then advised me to get on a repaye plan without ever explaining why I am on a standard plan and not on an ibr. She then told me that the second request wo n't work because it did not have a wet signature. She then told me that if I do not get a valid request submitted by XX/XX/XXXX That my XXXX would need to be resubmitted. I could not determine why the same XXXX doc would need to be resubmitted. Every time I call, I get a different answer. I asked to speak to a superior but was told that they all had left.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: CFW Holdings LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Never received no where near what they are asking to pay back. Company charges very high interest on a loan that was less than XXXX dollars I believe not. Tried to settle for what was borrowed but no resolution I wasn't aware of total amount they wanted back would have never even bothered because this is robbery .They want me to pay back XXXX for less than XXXX dollars according to my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
A manager from Amerisave Mortgage carelessly sent my loan information/disclosures with confidential information to another client email. This client kindly contacted me and informed me of their failure to keep my info secure. She sent by text message proof of everything.

What are my rights when a mortgage company creates this type of misconduct? Can I sue due to breach of confidentiality?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
An unknown person cashed what appeared to be a counter check for {$6000.00} on my bank account with Suntrust in XXXX Florida on XXXX XXXX, 2016. I submitted a fraud claim on XXXX XXXX, and it has not been resolved as of yet when they told me it would be a 14 day period to resolve.

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 2021-09-29
Company: LOGICOLL, LLC
State: IL
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 THE CONSUMER- I AM THE ADMINISTRATOR- I AM THE EXECUTOR 15 USC 1692c ( d ) I received a debt collection notice from Logicoll , LLC on XX/XX/2021 and it was dated for XX/XX/2021. The letter stated that I owe them {$300.00}. I have absolutely no knowledge of ever doing business with this company or having any contractual agreements with them, so for them to have my personal information is disturbing and that is a violation of my right to privacy pursuant to 15 USC 1692 ( a ). They have violated 18 USC 1341, Mail fraud against the United States Postal Service. They are also violating a number of my federally protected consumer rights. I AM A FEDERALLY PROTECTED CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX IS ILLEGALLY DOUBLE REPORTING THIS DEBT THAT THEY SAY I OWE FROM XXXX XXXX WHICH IS ALSO SHOWING ON MY FILE AS A CHARGE OFF. IT IS ILLEGAL TO DOUBLE REPORT SOMETHING. I WOULD LIKE A VALIDATION OF THIS IN WRITING ALSO

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 2016-11-26
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I received a Loan of $ 5000.0o from XXXX College , XXXX University , in XXXX , in the Late XXXX. Soon after, I fell on hard times and in ended up into the XXXX Hospital in XX/XX/XXXX where I received treatment and rehabilitation. I had made attempts all the long of paying off the Loan to XXXX XXXX College and then to a Loan Collector in XXXX and now to Campus Partners. Thus far, I have paid close to, if not over, {$9000.00} for the original loan of {$5000.00}. I am submitting the following loan information for this loan to be deem pay in full with interest : Account Number XXXX, XXXX Univ, Amouint Due $ XXXX.My information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
Email : XXXXXXXXXXXX Cellphone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was previously listed as an authorized user on an XXXX XXXX card. I was taken off of the account on XXXX XXXX, 2016. I am not liable for this account and did not give explicit permission to be added. This account should be removed from my XXXX credit report as it is an authorized user account. When speaking with someone from the XXXX credit reporting team, I was told per the FCRA, it has to be listed for XXXX years. I would like to know exactly where in the FCRA it states that authorized user accounts can not be removed on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
transaction was reported on my credit report that violated my consumer rights. 

15 U.S.C 1681b ( 604 ) - ( A ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) .In accordance with the written consent of the consumer to whom it relates. 
I never gave XXXX  written consent to furnish any inquries on my credit report they are in violation of the FCRA.Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2021-09-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I buy car form XXXX XXXX new car. Dealer finance thru Nissan Moter acceptance crop. I was paying my on time I am never late, also dealers finance guy insist me buy gap coverage I buy that as he Says if in case car total loss then your insurance company pay value at time of incident car price remains will covered by gap company. I had total loss my car on XX/XX/XXXX my insurance company paid Nissan motor acceptance corp {$15000.00} I owe {$18000.00} estimates. I called gap company to calm total loss they paid only XXXX I have to make additional {$710.00} payment. In this matter I call Nissan financial acceptance for reslut this close as fully paid. Theirs customers service agents Make notes to next team never contact me I feel that Nissan moter acceptance and XXXX XXXX XXXX guy I feel lost tress and cheating and wasting my Time Now I need from Nissan moter acceptance form {$7000.00}. Which covers my tress Next time they dont cheat No once

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: SYNCHRONY FINANCIAL
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
PURCHASED MATTRESS AND WAS NOT TOLD ABOUT PROMOTIONAL PERIOD IT ENDED XX/XX/2017 I OWE {$390.00} ON PURCHASE AND NOW XX/XX/XXXX HAVE BEEN TOLD THAT I OWE AN ADDITIONAL {$300.00} I AM PREPARED TO PAY OFF PURCHASE BUT FEEL I HAVE BEEN DEFRAUDED TO PAY ADDITIONAL MONEY I AM ELDERLY ON A FIXED INCOME XXXX SYNCHRONY BAK

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 2016-07-28
Company: General Motors Financial Company, Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am disputing GM Financial on my credit report I received notification from them that they did provide correct information to all three credit agencies for my payment record and my date for when the account first became delinquent. After reviewing my credit reports this was not true. The collection agencies have Re-aged this account and it is showing XX/XX/2014 as the last payment made. This does not match the date of my last payment to the original creditor. I am in the process of moving and this error is causing a problem with my credit report reporting properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: General Motors Financial Company, Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
GM Financial has me in the highest interest rate car loan imaginable. 
I know my credit was n't the best when I got the car, but I feel that it is unfair Because I can not refinance my car because of its value and depreciation is less than what I owe GM Financial. A {$15000.00} car is gon na cost me almost {$30000.00} when I 'm done. Not to mention they would n't give me XXXX coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$770.00} XXXX XXXX XXXX XXXX .... Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXXXXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX XXXX . Balance : {$4200.00} XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX & XXXX XXXX Balance {$160.00} XXXX XXXX XXXXXXXX Balance {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Navient Solutions, LLC.
State: CA
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 first informed to set up an account with XXXX XXXX and my parents were paying a monthly loan to them on my account. We have been paying them since XXXX XXXX XXXX. We were not given any monthly request but we continued to send money to my account. When I called in after 2 years of paying the monthly payments, XXXX XXXX said that they no longer do student loans and have transferred that over to Navient. We were not notified of this at all. 

The worse thing is, that they somehow link my account to another person 's account. Thus, I no longer have an account and have been paying this other person 's account. I called in asking for a refund. We faxed our bank statements to Navient in order to verify and support our refund. We submitted the fax papers on XXXX XXXX, XXXX. We were given a refund back but not the entire amount. Navient 's claim was that they did not know where the rest of the money went. They held off our refund request. I called in continuously asking what is going on, their response was, " our research team is still doing work on this issue. '' They claimed that they would call back after a certain amount of days in order to inform me of the situation, but they did not. 

This company is lacking in its customer service. I was on the phone for about an 1 hour and 40 minutes. I always have to explain my issue to the recipient because they would not give me a direct line to a manager/supervisor. That wastes another 20 minutes or more of my time. 

They claim that they will give the rest of the refund by this Thursday, XXXX XXXX XXXX. I do not believe it. But we will see. 

I am complaining about their customer service, their productivity, switching my accounts, and their lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation