BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-27
Company: Monterey Financial Services LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX, I was a vacation with my family. I Visited this vacation club. They told me they have a system a website where you could send families and friends when they travel they will get 50 %, and I will get 50 % I greed is an awesome deal. They indicate that after the purchase is completed, right after I can go to the site make reservations to any hotel, I can buildup points eventually, I buildup enough points to cover my next hotel reservation fee. XXXX I tried to make a reservation, I could not make the reservation, so I had to call customer service ; they end up making the vacation for me. I didn't trust the company anymore, so I drop a cancelation letter on XX/XX/XXXX to cancel the membership. On the phone with customer service through XX/XX/XXXX, when still XX/XX/XXXX cancels the membership, they never cancel it. After several phones called with a back-and-forth with management, they called me to give me a new deal since I already gave them a {$900.00} deposit. I ended up making a deal. They gave me a new contract but the original company, Monterey financial bank, is still after me to get the original balance from my getaway vacation. I send them an email confirmation letter to get a vacation that I paid this account in full, but they are still trying to get their version of balance for me. I would like to have them remove this balance from my credit report and close this account. Monterey Collection XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09
Company: Capio Partners, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
After submitting a dispute and information request to this company, they did not send me a reply or information regarding my debt. Instead, I believe they forwarded my information to another debt collections agency who reported the false debt to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Earthquake Insurance was inadvertently paid from escrow. Per prior complaint Shellpoint indicated they put a stop payment on their check and credited my account the {$530.00} incorrectly paid. However, according to the Annual Escrow Disclosure Statement dated XX/XX/2022 this is not the case. There is now a shortage i my Escrow account and there is no credit of the {$530.00} to my escrow account. This is fraud!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
UPON REVEIWING MY CREDIT REPORT I NOTICED SEVERAL ACCOUNTS ON MY REPORT THAT I HAVE NO KNOWLEDGE OF. THE LASTEST ACCOUNT FROM A COLLECTION AGENCY I HAD NOT HEARD OF NOR HAVE I HAD ANY WRITTEN INFORMATON FROM THIS COMPANY. EQUIFAX HAS A HISTORY OF BELIVING WHAT'S REPORTED. I HAVE NO KNOWLEDGE OF XXXX XXXX XXXX XXXX I OWE ANYTHING TO REPORTING BY XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX 2. XXXX 3. XXXX However I do believe I was a part of the Transunion glitch and would like all inquires removed.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transunion keep reporting false, deceptive misleading, incorrect information on my credit report. They allow XXXX XXXX to report incorrect information on my credit report. This is unfair deceptive practices. I have kids and I can't get a home because of these errors on my report I have provided proof. I have provided that I have paid this account they refuse to remove this incorrect account that is reporting falsely on my report. They have taken more than 30 days to investigate and they still have not validated anything about this account. You can not be 60 days late then 30 days late then positive, then negative. then 120 days late one day then charge the account off to another thirdparty without my permission. I paid them and they are still reporting me late

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 2022-06-01
Company: EQUIFAX, INC.
State: AZ
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:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$1300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION XXXX XXXXXXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX  ) Balance Owed : {$1300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$1300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I originally got this loan from the XXXX XXXX of Florida, in XXXX, Florida. It was originally serviced by XXXX XXXX. I had no problem with XXXX XXXX up until they joined/split/sold my loan to Navient. Who then said that I had to renegotiate my payment plan, and that I could n't simply continue paying what I was paying XXXX XXXX. At that time I could n't pay what they were asking me to pay, so there was literally nothing I could do to make them happy. I have continued to speak to them since the beginning of this year to try to set up a new payment plan and every time I try they always come up with some astronomical payment that I simply can not pay for. They say that it 's because my dad is my cosigner and that he should be able to pay for it if I ca n't. Most recently they have told me that I am so far past due that they can no longer set up a new payment plan for me because I 'm already getting " the lowest rate possible '' and if they were to change anything else on my loan that it would actually make the payment more, which totally makes sense, right?! I even point blank asked them, what makes them think that if I ca n't pay the lower {$100.00} per month payment, that I could POSSIBLY pay the actual monthly payment they want which is over {$160.00} per month?! It 's just NOT POSSIBLE! However, they continue to say that it is, even though in doing so would leave both my AND my father with just bout {$5.00} per week of spending money. Every time I call them I either get hung up on, transferred so many times that I have to give up, or am basically treated like some second class citizen and they are extremely rude to me just about every single time I speak to them. I literally do n't know what else to do. They have ruined my credit so I ca n't get another loan to pay them off with, I ca n't get another credit card for the same reason, and I just do not know what my other options are! I 've told them several times that I can pay the lower monthly payment, which would be {$100.00} or less per month, which by the way is STILL {$20.00} MORE than I am paying the government for XXXX other federal loans that I am paying on! They still will not accept my {$100.00} per month! They refuse, saying they can not help me! That is obvious that they ca n't help me! They can obviously only help THEMSELVES to MY paycheck!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: AZ
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:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$390.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/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 : INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN COLLECTION : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX  XXXX XXXX  ) Balance {$390.00} INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/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 non-monetary relief
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: AZ
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:
I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$390.00} INQUIRIES : XXXX XX/XX/XXXXXXXX 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 EQUIFAX : INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$390.00} INQUIRIES : XXXX XX/XX/XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I used Bank of America 's mobil app to deposit a check. They advertise how convenient it is to use and how the check credits quickly. This is false advertising. T deposited the check for {$8500.00} XXXX XXXX and was informed by BOA that the check will not be deposited until XXXX XXXX. This is theft ... holding on to my funds for one week.

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 2015-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other

Complaint:
Back in XXXX 2015, Fraudulent charges showed up on a credit card I have not used in a while. I contacted Capital One to state the fraud charges have occurred. The representative took my statement after a few times of calling and it was investigated. the findings came back, was a fraud charge funds were taken off the account. At the time I called in, I closed the account to keep fraud charges from occurring. However there is a insurance on the account from when I opened it years ago and I was charged on the account which has caused late charges to occur. I had an online chat with XXXX who informed me I needed to call the insurance department, however they are only open XXXX to XXXX Monday through Friday. I work from XXXX XXXX when I leave home until XXXX XXXX at which time they are closed. I XXXX 2015 I paid {$120.00} from a renewal of the credit card and late charges. I do not used this card and have not cause it is a very high interest rate. I paid this cause no one would help at Capital One. I have attached statements starting from XXXX 2015 till XXXX 2015. Customer Service is not a priority in Capital One Company. The amount due now is {$110.00} and I would like these charges taken off the account and all accounts with Capital One closed. Also I need for a Cease and Desist on th e account. I do not want any phone calls from Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I made a balance Transfer with my CITI bank AAdvantage card for {$3300.00} for XXXX XXXX XXXX XXXX XXXX XXXX. I used their online form that said it was easy and all I had to do was put down the credit card number. I made this on XX/XX/XXXX. Weeks passed and my XXXX XXXX had not received any money but CITI had already charged me the balance transfer plus a {$99.00} dollar fee. I called and they told me to wait a few more days. I did then I noticed it said XXXX XXXX on my statement. I called CITI customer service number and they had told me they had sent it XXXX XXXX XXXX XXXX  My bank has no offices XXXX XXXX XXXX XXXX So I called them again and found out they had sent it to XXXX personal loans. CITI bank opened an investigation and closed it saying it had made a payment to XXXX  Personal Loans and could not do anything about this. I do not have any account whatsoever with XXXX. I was trying to pay down my Credit union account which is for a XXXX credit card. I now owe two accounts with similar amounts. CITI was not helpful and are charging me for a balance transfer that I did not receive.

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 2015-06-23
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
did not give the Mini Miranda until after attempting to collect the debt. 
The collector had confirmed my identity and proceeded to her collection script. Only after " I '' mentioned she had not given the Mini Miranda that she proceeding in reading it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX ( # XXXX ) {$1200.00} has violated my rights 15 USC 1681 Section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions by me,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was never mailed a letter notification to the following XXXX XXXX collection bill of {$9100.00}. Debt is NOT mine, my VA insurance should have covered my medical expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from XXXX XXXX XXXX stating that my account ending in XXXX with Chase Bank USA had been referred to them foe collection. 
I have a current copy of my XXXX Credit Reoprt that shows said account was " Closed at grantor 's request as of XXXX XXXX, 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: CO
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:
In accordance with the Fair Credit Reporting act 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 ACCT XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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

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 2022-06-01
Company: EQUIFAX, INC.
State: CO
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:
In accordance with the Fair Credit Reporting act 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am contacting you today to request a gesture of goodwill. I have several loans with Fedloan. I am currently on an income based repayment plan that does not require me to make a payment. I would like to actually repay my student debt. My education has served me well and because of it I have been presented with an opportunity to purchase an existing and successful franchise. However, the late payments on my student loan account are preventing me from obtaining an approval for the business loan I need to acquire the franchise. 

The late payments reflecting on my account are actually due to miscommunication on both ends. There were periods of time where I requested a deferment or forbearance due to my financial hardships but my requests were not initially honored ( Apparently due to a mistake made by the customer service representative ). In XXXX or XXXX of XXXX my family was struggling to make ends meet and were on public assistance. I communicated this to a representative at the time and they informed me they would request a deferment of my payments for 1 year. I thought my account was squared away and did not check my monthly statements, for a while. 

In the XXXX I received a notification via email that my loan was on the verge of defaulting which prompted me to call. It was then that I was informed that the deferment I requested had not been implemented. The representative was very polite and helped me resolve the issue through backdating the forbearance and deferment request. It was my understanding I would not need another deferment for at least 12 months if my financial situation did not improve. This was not the case and lead to additional late payments on my accounts. 

I take complete responsibility for not following-up and ensuring the initial deferment was implemented and for not understanding that I needed to make another deferment request, however ; I would really like to be in a position to repay my loans in full. The franchise I seek to acquire will allow me to repay all of my student debt within a matter of 36 months. I understand Fedloan is obliged to report payment history accurately. I ask that either Fedloan stop reporting the late information and make it " unavailable '' or better yet update my payment history to reflect the loans were in forbearance/deferment for the following months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and XXXX and XXXX of XXXX and mark them as paid as agreed. Doing so will allow me to improve my financial position and repay my loans in full.

Company response to consumer: Closed with non-monetary relief