BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-27
Company: Atlanticus Services Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a prepaid skincare package through a company called XXXX XXXX XXXX. The package was financed through Fortiva. In XXXX of 2014, XXXX XXXX XXXX abruptly closed its doors leaving customers such as myself with outstanding bills for treatments that were never received. I had made payments on my Fortiva account until the provider closed. I stopped making payments because I did n't feel I was responsible for paying for services that I did not and would not receive. Fortiva has reported late payments on my credit reports is now threatening a charge off collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance to the fair reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX Act # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX These companies has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.C.S 1681 ( c ) ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.C.S 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX ), Account # XXXX, Amount {$300.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
AFNI, Inc. added an account to my credit files and when I sent a debt validation letter, all they sent me was a bill from the original creditorXXXX. This is not proper validation per the FCRA and FDCPA laws, which state that validation requires presentment of the account history and general ledger/statements and copy of each agreement/contract signed and dated by the parties ( collectors and CRA ) responsible for maintaining the complete account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: AFNI INC.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
a installer came to my home from XXXX XXXX XXXX to give me there service, he said ; was unable to install because of a oak tree ; it would be in the way of the signal, he left and did NOTHING, no work at all. I sent ALL of there equipment back to them. Iam NOT paying a bill for nothing done!!!!!!! This {$100.00} dollar bill should not have been sent to me, please take it off of my credit report. Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hello, my name is XXXX XXXX XXXX. I Recently sent in a dispute to Transunion Around XX/XX/XXXX, that took over 30 days with no response. After that I sent in another request for the unverified accounts to be verified or remove and still some accounts show up on my credit unverified! I thought it was the law for these items i have no idea about on my credit to be verified to me or removed. Can someone please help me get this situated because the credit bureaus are not doing they job

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 2016-04-25
Company: AFNI INC.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Affni Inc a debt collection company purchased a debt from different debt collection company that could n't verify the account, XXXX could n't verify it either and they are supposedly the original creditor, and thus had to remove the account from my credit report. Affni purchased the debt from them and has now reposted the dent and should be in violation of the fair and accurate credit reporting act. The original creditor admitted they ca n't verify it so why are other companies continuing to try to post it on my report and make collection attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have on XXXX occasions disputed charges from my Regions Bank debit card linked to my Regions Bank Checking and Savings account, which were made that were the result of fraud. In XXXX, my debit card was lost and charges were made at XXXX XXXX for over {$300.00} dollars, from XXXX XXXX for over {$20.00} dollars, and an ATM withdrawal debit for over {$500.00} was made. I immediately contacted Regions via telephone and was told that until the charges actually posted, nothing could be done other than to cancel the debit card and re-isssue another XXXX. After the fraudulent charges posted, I went into the XXXX GA branch and filed a formal dispute along with signed affidavits. After waiting over 10 days, on XXXX XXXX I contacted Regions bank again via telephone and was told that the claims were denied due to the fact that the PIN number had been entered correctly on the ATM withdrawal and due to that, the other dispute claims denied as well. When I informed the representative that my PIN number was NOT written on the card, but that I did have the PIN number on a piece of paper enclosed in the same wallet that was lost which had my Regions Bank Debit card in it. I was told by XXXX XXXX XXXX of Regions Bank that she would appeal this and resubmit the dispute as long as I submitted a police report to Regions, which on XXXX XXXX I did submit a police report to Regions Bank and emailed it to : XXXXXXXXXXXX. As of XXXX XXXX, I have not been credited back for the XXXX fraudulent charges made on my Regions Debit card, nor the fraudulent ATM withdrawal which was made with the same card. Not only has Regions failed to credit me back for these debits, they also have n't credited me back any of the numerous {$36.00} dollar NSF fee 's they have debited my account for. I am a XXXX American and rely on my Social Security money as my sole source of support, and this money is directly deposited into my Regions Bank Savings account. When I received my XXXX Social Security funds into my Regions bank account, a significant portion of this money was immediately taken by Regions to cover the over {$860.00} my checking account was at that time overdrawn by, directly as a result of these fraudulent debits and Regions subsequent illegal debit of fees charged to me. I find Regions Banks actions in this matter to be bordering on Criminal

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 2017-04-09
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
This is a debt that doesnt belong to me I dispute this account on my credit back in 2015 and it was removed. Now its pops back up maybe a month ago so I dispute it again asking for proof of verification. I get an alert that the account has been removed again ok great. But no today I get an alert that this account is back on my credit but now the bill is more then double. This is not my account and they are lying to the credit company ' s which now is affecting my life. They are calling me from different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX 2016, Chase Mortgage placed my home in Foreclosure. 
Chase demanded I pay {$11000.00}. XXXX to have my home rescinded from Foreclosure status and stop all foreclosure activity. 

In XXXX 2016, I overnighted a Chase Bank cashiers check for the full amount of {$11000.00}. As of XXXX XXXX, 2016, I have not received a recorded rescinded document. I do n't know if my home is still in foreclosure or if it was rescinded. Chase Mortgage did cash my cashiers check, but never mailed me a copy of the recorded rescinded document. 

I am worried because I do not know how the foreclosure on my property stands as of XXXX XXXX, 2016. Chase Mortgage has failed to communicate if they are continuing with the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is the SECOND COMPLAINT against RUSHMORE LOAN MANAGEMENT SERVICES, LLC, XXXX FORECLOSURE and many, many others that you will see in my attatched documentation. 
We are being ILLEGALLY FORECLOSED ON by Rushmore Loan Management Services LLC, XXXX Mortgage for the XXXX XXXX, XXXX XXXX ( illegal trust! ), XXXX Bank XXXX XXXX, XXXX Foreclosure XXXX on XXXX/XXXX/XXXX. 
After submitting our last complaint in XXXX XXXX - NOTHING was accomplished!! We are STILL BEING ILLEGALLY FORECLOSED ON!! In California, we do NOT get the LUXURY of DUE PROCESS, and we CAN NOT take our case before a judge. Only if we have the XXXX +++ to do so. We do NOT. So, I ask you, CFPB, besides writing a little letter to these CRIMINAL ENTITIES, WHAT ARE YOU GON NA DO ABOUT THE CRIMES COMMITTED AGAINST US??????? I am submitting to YOU today, ALL DOCUMENTED FRAUD on our original loan documents, that Rushmore and XXXX feels that they have the right to use to ILLEGALLY FORECLOSE ON US!! I am sick and tired of submitting ACTUAL PROOF OF FRAUD AND OTHER CRIMES to Government Agencies - who by the way, take our hard earned tax payer dollars, and all they do is tell us that they CAN NOT help us! WHY NOT????? Let it be KNOWN, LOUD AND CLEAR, FOR ALL TO HEAR, that the Government Agencies that we go to for help, TURN THEIR BACKS ON US HOMEOWNERS, and let the BANKSTERS and their PARTNERS IN CRIME get away with STEALING AMERICAN CITIZEN ( and others ) HOMES!!! SEE ATTATCHED DOCUMENTS FOR MY COMPLAINT HERE ... ... AND I WILL MAIL YOU HARD COPIES OF THEM ALL ... ... ... .I HOPE YOU ACTUALLY GO AFTER RUSHMORE, XXXX, XXXX XXXX XXXX FORECLOSURE AND ALL THE REST THIS TIME ... ... ... ... ... .... I WILL NOT HOLD MY BREATH.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient has taken unauthorized debits from my checking account XXXX during the month of XXXX, 2015. They took unauthorized debits once on or about XXXX XXXX, 2015 for {$110.00}, and most recently on XXXX XXXX, 2015 for {$390.00}. 
On or about XXXX XXXX, 2015, I discovered that Navient had automatically debited my XXXX checking account for {$110.00} for the student loan ending in XXXX. I had not authorized this transaction or set it up. My father makes an automatic payment for the loan ending in XXXX, and had given Navient HIS account information for the automatic payment. I had set up automatic payments for about {$390.00} for the rest of my private loans, and my payment was not scheduled to come out until XXXX XXXX. I called Navient to demand that my {$110.00} be credited back to my XXXX account, and that they take the payment from my father 's account instead. 
Navient incorrectly stated that I had enrolled all of my loans into auto-payment on XXXX XXXX in the amount of {$500.00}, and that they only had my XXXX information for the payments. That was false. I had only set up the {$390.00} payment recently, and my father set up the {$110.00} payment with his bank information. Ultimately, Navient agreed to do a direct refund to my XXXX checking account for the {$110.00}. They also agreed to cancel all auto-payments. My father was supposed to call back and set up his auto-payment for {$110.00} at a later date in XXXX, and I was going to call back and set up my auto-payment for the {$390.00} at a later date in XXXX. I was supposed to have my refund of {$110.00} by XXXX XXXX at the latest. 
My father called Navient back between XXXX XXXX and XXXX XXXX to re-establish his auto-payment for {$110.00}. His next payment is due XXXX XXXX, 2015. I had not called back to re-establish my auto-payment for {$390.00} as of XXXX XXXX, 2015. 
On XXXX XXXX, 2015, I logged into my XXXX checking account again to check my balance. I was alarmed to see that Navient had again taken an unauthorized automatic payment from my checking account! I had not called back to re-establish my auto-payment, but Navient had debited {$390.00} from my checking account. It was taken in XXXX unauthorized transactions ( {$120.00} ; {$100.00} ; {$71.00} ; {$93.00} ). This is especially egregious that Navient took these unauthorized payments despite agreeing on XXXX XXXX, 2015 that it would cancel all auto-payments and to wait until we called back to re-establish them. 
I am going to call Navient now to demand a direct refund. My funds are rather limited at this time, and I am unable to allow Navient to invade my checking account and debit funds at will without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX XXXX LETTERS VALIDATE YOUR UNLAWFUL CALLS AND SKIP TRACING ACTIVITIES IN VIOLATION OF FDCPA AND TCPA! THIS IS MY NUMBER AND HAVE VOICE RECORDINGS AND RECORDS. THIS MATTER IS ALSO ABOUT MY WIFE XXXX TO WHOM ALSO REC ' PHONE CALLS TO HER WORK, CELL AND MY NUMBER ON SEVERAL OCCASSIONS, ALSO HAVE ALL RECORDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: APR or interest rate

Complaint:
Bank of America incorrectly applied my payment to a credit card account. There were XXXX payments made in a billing cycle XXXX 2015. The XXXX payment of {$300.00} was made XXXX XXXX, 2015 and correctly applied towards the monthly minimum payment of {$81.00} and the lowest APR balance. This balance of {$7200.00} was subject to 0 % APR and represented the entire amount of debt on the account at the time. The XXXX payment was made on XXXX XXXX, 2015 for {$1300.00}. This entire amount of the XXXX payment should have been applied towards {$1500.00} of purchases posted between XXXX XXXX and XXXX XXXX, 2015. Unfortunately, Bank of America applied the payment incorrectly splitting the amount between the lower and higher interest rate. This resulted in an interest rate charge of {$9.00} against a balance of {$640.00} for purchases subject to the higher interest rate. If the payment was applied correctly, the balance subject to the higher rate should have been {$220.00}. I contacted Bank of America to resolve and they claim they applied the amount towards the lowest APR in accordance with Federal Law. This is NOT what the law prescribes. That only applies to the minimum payment amount and any amount above that must be applied towards the highest balance. 
I request you assistance on XXXX matters : 1 ) assist in getting the Bank of America to correctly apply the XXXX payment to reduce the balance subject to higher APR as this effects the next months bill and 2 ) assist in getting Band of America to refund the incorrectly charged interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
Bank of America allowed XXXX Federal IRS tax refund checks that were jointly written to my ex husband XXXX XXXX XXXX and myself XXXX XXXX XXXX to be deposited and cashed by my ex husband without my authorization or signature. I do not now nor have I ever banked with them. The checks in question total {$730.00}. They were deposited into his checking account at one of their atms in XXXX, Maryland. The checks were never stopped once the transactions were posted on the next business day. The checks in question were forwarded illegally to someone else 's personal P.O. Box that did not belong to either my ex husband or myself. I contacted them to resolve this issue but they have refused to deal with me since I am not the account holder.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-30
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My original loan was for {$8000.00} with XXXX XXXX in XXXX. It 's XXXX and the now Navient says that I owe them over {$10000.00}. The loan has been paid in full years ago, with over {$15000.00} paid to the company. The problem with this loan, and I 'm sure all of the other loans with other customers, is that they apply 98 % to interest and 2 % towards the principle. This is XXXX of the if not THE biggest banking scams in history! I have tried to settle with Navient and they are not willing to work with me at all. They want all of the funds or else. I have been treatened, harassed, and taunted via phone calls from Navient Reps. I want to be rid of this company once and for all!!! Navient has also reported false info to the credit bureaus and nothing has been done about that either, dispite my claims and complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently submitted a repayment option with my Mortgage Company Chase. I was assisted by a third party XXXX XXXX on XXXX XXXX, 2016 with explaining to Chase my reason for the temporary hardship. In the request I explained thoroughly to Chase why I had fallen behind on my mortgage due to a hardship. My father past away without a life insurance policy, therefore I had to assist in his burial expenses where I had to forego my mortgage payments for 4 months to pay off the burial and funeral expenses. When I could I would make a mortgage payment when I could. This is when I reached out to Chase for assistance. I sent to them all the necessary documents required and also explained to them that I am working a XXXX job XXXX days a week approximately XXXX hours and a XXXX job working XXXX days a week approximately XXXX hours. I feel this is more than enough income to grant me a repayment play and it would only be a short period for approximately six to four months. After a few weeks with the underwriters reviewing the reques, they came back with a decision to deny and suggested I arrange for a Short Sale. I know I am making more than enough income to bring the mortgage current with the option for a repayment agreement. That is not what I wanted.I want to continue maintaining the property and just wanted the option of a repayment option to bring the mortgage current. I was so hurt a little depressed from the decision. This is why I am reaching out to you all for further assistance. 

Thaanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent letters via certified mail to Pioneer and have yet to recieve a response. This company is reporting negative information about me, yet refuses to respond. I have incurred XXXX in actual damages since their company has reported derragatory information about me and refuses to respond. 

Why must I spend so many countless hours trying to correct this companies mistakes? Please do not contact me by phone, please communicate by mail only ( Pioneer ) Additionally, both companies are double reporting on my Credit Report!!!

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