BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: ENOVA INTERNATIONAL, INC.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan online thru their site to get help with my credit consolidation I sent over all my personal info and filled out the application. I never heard anything back from them. Have called SEVERAL times and no one answered. and emailed also!! No one will get back to me. I do not trust them and do not want the money at all anymore. Unsure what they did with my info and how I can move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: OPEN MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started to buy a house in XX/XX/2021 I was leasing home when owner offered it to me to buy it. Well I said yes I wanted to. Went to XXXX XXXX to get my loan. I got stuff turned in they kept saying I needed this or that. Well it took to long to get the loan so owner backed out. They allow him to and give him everything back. I had to move and so they ask me to look for another house I did found one and now Im going through the same thing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was suppose to close on XXXX of XXXX then again on XX/XX/XXXX again. I told them my loan hasnt even gone through yet I cant wait any longer to buy. So now they are asking me to pay fees for the house I lost because of them and then fees now just random gear say stuff. Some things yes I agree to. The 2nd house they did nothing Ive only done application part but of course they are trying to XXXX me over even more. I need some help with this these people have ruined my life and my buying experience for a home. Thanks I can get more info if needed .... Company is XXXX XXXX XXXX. XXXX ok & open mortgage XXXX, tx

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: WELLS FARGO & COMPANY
State: MA
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:
As of   XXXX     my student loan interest rate has been hiked up to   XXXX   %. They have increased my monthly payments, due to this interest increase, without any notification prior. I find it outrageous, and feel this bank should be ashamed of itself for charging a student loan such a large interest rate. In the years I have been making payments, I have not seen the amount owed decrease  1 cent ; in fact, it has increased by thousands of dollars.   During a time of financial hardship in  XXXX , I was unable to defer payments through  Wells Fargo , they only allot 6 months of this and mine were used. Because of this  I started to incur late fees that added up to a couple hundred dollars while I would work on trying to find a way to make a payment. I left so many messages asking for these late fees to be reduced for hardships and never heard back from a represe ntative. All of this is unreasonable to me, and I find a negative impact on myself, mostly financially but also personally with struggling to accommodate all my student debt ; it also potentially impacts my family in the respect that they cosigned the student loan.

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 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).

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 2021-06-14
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX about medical debt that I allegedly owed. During that phone call, I was not once informed or told that I had a right to request validation of the debt and was threatened to be sued and garnished of up to 25 % of my wages. 

On XX/XX/XXXX I mailed a request of debt validation to them and was responded to with a court summons served to me only 10 days later. 
I wasnt provided with any form validation that I owed this debt. 
I was then mailed papers that they claim is validation of debt. These papers contained medical bills but no actual proof or reasoning that these bills were mine. There was one paper that did have a signature on it, but that signature was not mine. 

During this time the collector continued to call me even though I had initiated a dispute with them and the credit reporting agency, in turn violating one of my consumer rights. 

I then had to file a motion to set aside judgement to the court and was granted the motion. 

The law office has still not provided me with any proof that this is my debt, or that the claims were submitted to my insurance if they are mine. 

They have violated many of my rights as a consumer and are actively trying to sue and collect on a debt THAT IS NOT MINE! 

This company is predatory and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I would like to file a complaint against Bank of America. I left the United States in XXXX to go overseas to work with the military and before I left, I sent letters and call all those that I had some form of business relationship to cancel their services. When I came back to the United States of America in late XX/XX/XXXX I tried to apply for credit, and it was denied as they said that I have a charged off account on my credit report from Bank of America and I was shocked by this. I then called Bank of America and disputed this and asked the young lady to remove it from my account. She informed that it will not be removed until I pay the amount that I allegedly owed. I was going to fight this matter in court but my wife said that it would cost me more than what I would receive so we should just pay it and get along with our lives. I reluctantly agreed to what she said. 
I then called back and spoke with a Bank of America rep who informed me that she can not fully discuss my account with me but all that she knew was that once the funds were paid that I allegedly owed then the negative item would be deleted from my account. She called it ''A PAY FOR DELETION ''. To this date the item has not been deleted from my account as promised and I recently got a letter from Bank of America stating that they are unable to provide me with documents signed by me saying that I opened the account as the account they claim was opened online. I never applied for a Bank of America card online. 
So, they can not prove that I opened the account but yet they continue to report a negative item on my credit claiming that the account is mine and this makes no sense. If you can not prove that I opened the account, then how can you report it on my credit report. This is totally illegal. 
I am not interested in a long-drawn-out battle with Bank of America. I just want them to send a report to the credit bureaus requesting that Bank of America will be deleted from my account as promised by an agent of their company. I lost my wife and a child to XXXX, and I am trying to rebuild my life. I suffer XXXX and this situation is causing undue stress. Please show some compassion. These are terrible times we are living in I am enclosing a copy of the letter Bank of America sent to 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 2021-12-09
Company: CarMax, Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
I sent letters on XX/XX/2021 andXX/XX/XXXXand havent gotten a response or anything in writing from none of the three credit bureaus. 15 usc 1681 there is a little doubt that XXXX, XXXX and XXXX  has eveidence that this clearly does not belong to me. within timely definsition per federal standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Santander Consumer USA Holdings Inc.
State: CA
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:
SANTANDER - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was charged for a hotel room that I did not stay in. It was smelly and I asked for another room. They showed me one room. It was just as bad. The girl told me that they were all same after I asked her if she could put me a better room. We walked back and she told me she was not authorized to give me a refund. Only the General Manager could give me a refund. I was instructed to call the next day for a refund.. Long story short the name she gave me was not the managers name I called three times as instructed by them for a refund.When I was leaving.the desk clerk told me to go down to the XXXX down the street and try them. 

My credit card company Capital One sent me two letters that the hotel room charge was taken off, I just received another letter from Capital One that they put the charge back because the hotel did lie and said I was there .The Credit Card company is putting me through XXXX with taking the charge off, then putting it back on after I jumped through hoops to submit a bunch of paperwork and spoke on the phone a half dozen times explainting this to them.. I submitted my documents of staying XXXX miles down the road at a XXXX. Submitted a bunch of documents. 

I am cancelling my credit card that I took out in 1993. It is a XXXX XXXX Credit Card and the bank connected is Capital One. My XXXX XXXX is XXXX. I pay my bills. I will not pay for something I did not get. No room, just lies.. It was a scam. A total scam. I got no accommodations. I also filed a report to the XXXX  and they informed me they contacted XXXX XXXX XXXX XXXX XXXX SC twice and got no answer back from the XXXX XXXX XXXX My credit card company said it is end of story I owe {$73.00} and I got ZERO in return, no room, no accommodations and said they will send me the bill and I refuse to pay for something I did not receive. I never stayed in the room, never brought one piece of luggage in the room. If they put the charge on my card with my next bill I told them I refuse to pay it. I was scammed and Capital One is allowing this scam. I did not book ahead. I was there in person and if the room is not adequate they always refund me or find me a room. Not tell me go down the street and I will have to call for a refund.. The woman told me the rooms are all the same and I would be issued a refund from the General Manager. They lied and I refuse to pay it on my credit card period. Capital One refused to protect me from a scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-24
Company: EQUIFAX, 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:
I have contacted Equifax multiple times by certified mail in regards to late payments showing on my credit report from  Dept of Ed  XXXX . I advised Equifax that I was never late during the times of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and request them to do an investigation and correct the inaccurate information they have showing on my credit report. After 30 days of investigation Equifax respond back to me that the information was reported accurate by the creditor. I contacted the creditor which is Dept of Ed/ XXXX  in regard to late payments showing on my credit report  and Dept of Ed  XXXX  assured me that they are not showing any late payments in their records because the account was in deferment during the dates  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX . I have requested multiple times that Equifax correct the inaccurate information and they will not make the corrections to reflex on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: STERLING JEWELERS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Back in XXXX I purchased a ring with a Kay 's credit card. I had just gotten out of the military and went through hard times and did not pay the payments. It went into collections but was later closed. It has been years and we have heard NOTHING from kay jewelerXXXX. In the meantime I had purchased a vehicle and home with no issues and no remarks of portfolio recovery. Today, XX/XX/XXXX I received a letter for notice of bank levy in the amount of XXXX. Stating their other attempts have failed and they will garnish my AND spouse bank account ( we werent married at that time ). This was from XXXX and it was never for that amount that they're asking. We have received no other correspondence.

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 2017-04-24
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP REPORTING IMMEDIATELY! Furthermore just for the record as per  73 Am Jur, 2nd, Section 90 AR Resource  has no right to " subrogate ''  (  substitute ) yourselves into a contract, whether it is by purchase, assignment, transfer, or trade. If  AR Resource  " bought '' the debt, AR  Resource  did it on their own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction ''  (  voluntary payee ). AR Resource clearly violates  HIPAA, if AR Resource  refuses to delete all information you have furnished to any and all credit bureaus, and AR  Resource  must destroy any information about any alleged account they claim to have with me, to prevent your company from pursuing any more collection activity against me, and if A R Resource s hould sell, assign, transfer or trade the alleged account to some other entity to attempt collection, I will also file a formal complaint to the Departme nt of Health and Human Services and the  Office of Civil Rights against AR  Resource..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient failed to communicate with me about my student loans. As a result, my loans went into default. I have since consolidated my loan, but took a hit to my credit score, in addition to interest penalties as a r esult.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: IL
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Navient Solutions, LLC.
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:
I sent letters to all three credit bureaus including creditors and havent gotten a response concerning results. These items should not be on my credit reports. I requested for them to show proof of compliance and verification and creditor havent been able to provide as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: ALLY FINANCIAL INC.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The loan was paid off by another bank who sent the entire check of XXXX to Ally. I only owed XXXX Ally now is Telling me that I have to wait 55 days to get the overage back. XXXX they owe me. I have tried phone call and email but I get nothing but canned responses and no satisfaction. I when I owed them money they didnt wait 55 days for me to make a payment. We live in a world with computer applications and electronic transfers, this transaction should take 2 minutes not 2 months. I am not interested in calling them to listen to more XXXX they need to pay their bills.

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 2017-06-07
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a  XXXX  Veteran that had an emergency causing me to utilize a local hospital emergency room. At the time of service they were given my VA credentials and billing information. They are refusing to bill the VA for the amount and I have spoken to the hospital billing department which states that they do that all the time. Now the amount is on my credit report and they will not remove it. This is inaccurate reporting and needs removed from all three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
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: Old information reappears or never goes away

Complaint:
I am filing this complaint because Equifax deleted SEVERAL accounts from my credit profile per my last dispute, and after checking my account today, those accounts that have been flagged as " This item has been deleted from the credit file '' still remain. I am attaching a copy of the investigation results that notate EVERY account that needs to be, and should be deleted IMMEDIATELY!   Per FC RA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], Req uirements relating to reinstatement of previously deleted material.   Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to sub-paragraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.   If any information that has been deleted from a consumer 's file pursuant to sub-paragraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later tha n 5 bus iness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under c lause ( ii ),  a consumer reporting agency shall provide to a consumer in writing no later tha n 5 busi ness days after the reinsertion date.   ( I ) a statement that the disputed information has been reinserte d ; ( II ) the  business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; a nd ( III ) a not ice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.   I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.

Company response to consumer: Closed with explanation