BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Sallie Mae is charging me outrageous interest rates up to 10 % for private student loan for my XXXX XXXX completed in XXXX  I am currently earning less than {$25000.00} per year in revenue and they will not come up with any flexible payment options. I am having to pay {$470.00} a month or my credit will suffer as well as my moms who is the co-signer. My mom is also out of XXXX They offer no forbearance, no reduced rates absolutely nothing zero resources. Please help me I can not continue to pay these outrageous payments. These people harass myself and my family nearly day and night with calls, emails and texts it is absolutely unbearable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: TMX Finance LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I took out a title loan with Titlemax. they told me there interest was 8 %. I all I wanted was {$2500.00}. By the time they got through with me I walkout with {$5100.00}. I gave them back {$2400.00}. My math and there math do n't add up. I will be paying back right at {$10.00} only pennies goes to the principal. I all attach a summery of my payment. This is raping me. I am a XXXX income family. I can not continue to just give money to this company. I have paid them a little over {$7000.00}. It does not have a end. They want me to drive 2 hour to make a payment at times and almost refuse to take a payment over the phone. In those situation they make me make a double payment. That does not seem right. Can you help me. I am XXXX years old and work for a living but I also have medical issue that need to be taken care of. It is almost impossible to do with this issue hang over me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: BARCLAYS BANK DELAWARE
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On approx. XXXX XX/XX/XXXX I tried to rent a car on the internet from XXXX, using an XXXX Mastercard from Barclays Bank. I received an error message, and couldn't resolve it, so ended up over at XXXX, where I successfully rented a car. 

I never heard anything more from XXXX but discovered a charge from them for {$160.00} posted to that Mastercard. 

I have sent emails to XXXX, but received no response. I disputed the charge with Barclays, but that dispute was denied, on grounds " the merchant has not violated the terms and conditions of the sale. '' I appealed that denial to Barclays, pointing out that I never received anything from XXXX  ( voucher, rental car, response to emails ). Barclays sent two letters denying the appeal ; one just saying there was " insufficient proof that the merchant has violated the invoice/contract 's terms and conditions '' ( and encouraging me to contact the merchant directly ), the other letter giving as a reason " the chip on the card was read and validated during the authorization process or the card was present and CVV confirmed. '' This letter also recommended I contact the merchant directly. 

I will try to attach copies of the documents I have mentioned, which describe in more detail what has occurred. But I would like to stress two points : ( 1 ) I never received anything indicating the car rental attempt with Rent.It went thru, or received any response to my queries to Rent.It. ( 2 ) I am upset with Barclays, both because they apparently ignore dispute letters sent to the address designated for that purpose on their statements, and then ( after I faxed them the dispute letter ) for still being assessed late payment fees and interest charges ( on statements ending in XX/XX/XXXX and XX/XX/XXXX ). 

If you have any questions, or need any more information, I would be glad to provide it. I can be reached at XXXX, or XXXX XXXX XXXX XXXX. My addresses are on the attached letters.

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 2022-04-11
Company: EQUIFAX, INC.
State: UT
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:
ON XX/XX/2022, I CONTACTED XXXX XXXX. CREDIT REPORTING TO DISPUTE THE CREDITORS LISTED ON THE FTC ID THEFT REPORT THAT IS ATTACHED TO THIS COMPLAINT. 
WHICH IS THE RESULT OF THE LISTING OF FRAUDULENT ACCOUNTS ON MY XXXX XXXX XXXX CREDIT REPORTS. 
FOR SOME REASON XXXX XXXX AND XXXX XXXX HAVE NOT REMOVED OR BLOCKED THESE FRAUDULENT ACCOUNTS. 
I AM A PERSON WITH A XXXX I CAN NOT NOT FILE THE NESSARRY LEGAL COURT DOCUMENTS RIGHT NOW, SO I NEED THE HELP OF THE CFPB DEPARTMENT. 
TO ENFORCE THE FCRA RULE OF LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Have tried to login into my account ( s ) to get credit reports & dispute not known accounts via XXXX, Transunion, & XXXX and each one is " unable to complete my request '' online

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 2022-04-11
Company: LEXISNEXIS
State: UT
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:
ON XX/XX/2022, I CONTACTED XXXX XXXX. CREDIT REPORTING TO DISPUTE THE CREDITORS LISTED ON THE FTC ID THEFT REPORT THAT IS ATTACHED TO THIS COMPLAINT. 
WHICH IS THE RESULT OF THE LISTING OF FRAUDULENT ACCOUNTS ON MY XXXX LEXIS NEXIS CREDIT REPORTS. 
FOR SOME REASON XXXX XXXX AND LEXIS NEXIS HAVE NOT REMOVED OR BLOCKED THESE FRAUDULENT ACCOUNTS. 
I AM A PERSON WITH A XXXX I CAN NOT NOT FILE THE NESSARRY LEGAL COURT DOCUMENTS RIGHT NOW, SO I NEED THE HELP OF THE CFPB DEPARTMENT. 
TO ENFORCE THE FCRA RULE OF LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had my pay check garnished for the amount sent by the company and the courts. Now I am getting harassed pay more money after my garnishment was complete. And I have proof that it was complete. So I am emailing you per my advise of a Lawyer to file this complain, because now this company is pulling my credit report and I didn't give them permission to do so. Now I am looking to sue them.

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 2015-08-20
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I made a bill payment using TD Bank 's Online Banking bill payment feature for the first time. The bill was to be paid on XXXX XXXX, 2015 and the payee was a XXXX Credit Card. The day after the bill was to be paid, the payment was shown as 'paid ' in the Bill Pay XXXX Bill History screen but does not show as having been 'paid ' in Account XXXX Account History screen nor does it even show as being a 'pending ' transaction '. I called TD Bank customer service and was told by the agent that despite the bill being shown as 'paid ' on the bill payment screen, the bill would only be deducted from my checking account when TD 's credit card department had 'cashed ' the paper check that TD, the Bank had sent to them. They could not tell me when that would occur but that I should " keep in mind '' not to spend the money or the account might go into an overdraft situation. What kind of trickery is this? Showing a bill as 'paid ' and yet not debiting the account until some future, indeterminate time? How many TD customers must believe they have paid bills using TD Bank 's online bill pay system only to discover that they had not? If I were very cynical, this process seems another way to deceive customers into overdrawing their accounts, thereby allowing the bank to charge overdraft fees. Citibank, the other bank with which I pay bills, deducts the account at the moment the check is drawn or the electronic transfer is made. There is never any confusion there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
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, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at 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 Phone Number Unavailable Charge Card XXXX Phone Number Unavailable Charge Card XXXX XXXX XXXX XXXX XXXX ) XXXX Secured Loan XXXX  ( XXXX ) XXXX Charge Card XXXX XXXX XXXX XXXX ) XXXX Debt Buyer XXXX XXXX XXXX Phone Number Unavailable Credit card XXXX XXXX ( XXXX ) XXXX Charge Card XXXXXXXX XXXX XXXX ( XXXX ) XXXX Credit card XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX WAY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The credit score is based on outdated and incorrect data and drops drastically instead of increasing as it should based on facts. The credit limits they show is wrong, the balances they show is incorrect and the usage is incorrect. When you attempt to dispute the facts they do not offer direct means. I have documentation showing they are wrong and have unfairly treated me.

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 2015-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have refinanced my mortgage XXXX times with BofA. Each time I was pushed through a process called " The '' Hustle '' program, a " high speed swim lane '' program which eliminated every checkpoint on loan quality and compensated employees based solely on the volume of loans it originated. The " Hustle '' reduced the amount of time spent processing and underwriting conventional loans, thereby boosting loan volume and revenue. XXXX of 2013 the DOJ and BofA went to court over the banks liable for misrepresenting the quality of mortgages sold to XXXX and XXXX XXXX. I would never have qualified for refinance my mortgage if any documentation were required. To obtain my mortgage not XXXX single document was required. Only my credit score. Now I qualify for a reverse mortgage but I am {$8000.00} short. I would like my closing costs reimbursed for all XXXX transactions because if I were not, and should not, have been allowed to refinance, I would be in the position to obtain a reverse mortgage without a problem. BofA will not discuss a settlement for the {$8000.00}. with me and basically totaly ignores me, does not return my phone calls and basically discounts my existence. I need help with this injustice. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
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:
Capital One sent a letter XX/XX/XXXX stating due to lack of use card ending # XXXX will be closed if card holder does not contact office immediately. I called them at the beginning of XX/XX/XXXX and got a credit increase to {$3000.00}. It was mentioned during the phone conversation that I must use the card before the end of XX/XX/XXXX that month. I did not use the card until XX/XX/XXXX, and by then the account was closed. I believe Capital One charged me the annual fee and subsequent late fee after closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: JPMORGAN CHASE & CO.
State: NJ
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:
First Reason For Dispute I am using this CFPB portal to dispute the following incorrect information appearing on my credit report. I just want to ensure that you receive my dispute in full detail and timely fix the errors on my report. 

Adverse JPMCB Account # XXXX Reason for Dispute : I settled my account balance with Chase in full, but my account is still being reported as a charge off. The reason I entered the settlement with Chase bank was because under the terms of my debt settlement with Chase, we each agreed to terms that prohibited Chase bank from reporting my debt as delinquent on my credit report for this account, but my credit report has not ceased reporting negative information on this account in error. 

It is still showing the account as a charge off in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX and it is showing the account as having been paid more than 30 days late in the month of XX/XX/XXXX. 

I would have never paid the huge amount in settlement for the account unless I obtained the express representations from Chase to convince me to settle the account. I am attaching the settlement letter from Chase as proof. 

Last Disputed Item : Adverse JPMCB Account # XXXX Reason for Dispute : I settled my account balance with Chase in full in XXXX, but my account is still being reported as a charge off. The reason I entered the settlement with Chase bank was because under the terms of my debt settlement with Chase, we each agreed to terms that prohibited Chase bank from reporting my debt as delinquent on my credit report for this account, but my credit report has not ceased reporting negative information on this account in error. 

It is still showing in error the account as a charge off in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX, and it is showing in error the account as having been paid more than 120 days late in XXXX XXXX and XXXX of XXXX, and it is showing in error the account as having been paid more than 60 days late in the month of XX/XX/XXXX. 

and it is showing in error the account as having been paid more than 30 days late in XX/XX/XXXX. 

I would have never paid the huge amount in settlement for the account unless I obtained the express representations from Chase to convince me to settle the account. I am attaching the settlement letter from Chase as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Credit Plus Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Reviewing my report and noted a inquiry that is not mine. I have not inquired about any credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Paramount Recovery Systems, L.P.
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:
Paramount Recovery Systems Collections account did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information to the credit bureaus they are in VIOLATION of my HIPAA rights. Paramount Recovery Systems Collections account is VIOLATING The HIPPA Acts of 1996 by providing and disclosing personal information to XXXX & XXXX. This is a violation of my consumer right to privacy by having Paramount Recovery System listed on my credit report. This is a violation of the law 15 USC 1681-Congressional finding and statement of purpose. Paramount Recovery Systems Collection, XXXX, and XXXX are violating my privacy and fairness by having these negative collection account on my credit report. I never gave authorization for it to be on my credit report. These companies are treating me unfairly and being impartial to me knowing they are in VIOLATION of the law but yet still having this negative account on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My complaint is that I purchased a truck back in XXXX 2009 from a dealership I put down on a down payment to get the truck, during my time with the truck from the start I was having mechanical problems, After maybe 3 mo I had credit card fraud which caused me to not be able to make the payment for that mo. So they then remotely XXXX the start engine on the truck so I could not drive it. So within a couple of weeks they repossessed it, an offered me in a letter to buy it back at auction which I could not buy it back because I did not have the money to make the payment let alone to be able to purchase it back for the remaining balance after auction, so in further complaint they sent a garnishment summons to my job stating that I owe them {$3100.00} less the amount they sold the truck at auction. Ok now the question I would like answered is what physical money did they loan me ( put money in my hands check or cash ) that was paid towards the purchase of the truck, an did they not get there property back when they repossessed the truck an sold it at auction. So what warrants me to owe them physical money an for them to hide behind the courts to have them issue a judgment against me for physical money they never give me any way an to take money from me, here is something to think about : when you need to rent a car you have to put down a deposit. when you retain the car you then pay for the usage of the car, you return the car you get your deposit back. physical money an property is being exchanged I feel it is the same concept as leasing a car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
I've been fighting this issue for years. The last letter sent was XXXX of this year, and nothing happened. 

The account is paid off and they will not remove it. I'm trying to buy a home and this messing up my credit profile. 

I paid this account off in XXXX of XXXX. It's an old account from XXXX. Its the department of education and I need it removed. 

I paid the account off, its still showing delinquent, and messing up my profile significantly, and it shouldn't be. 

If its paid and they wont change the status, then I need it removed. I need to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
Ally Financial is reporting my auto loan as still open when it has been paid off. 
All 3 credit bureaus are showing an open balance with Ally Financial and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation