BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-14
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
My father took out a parent loan while I was in college. He used the money for himself. I took out my own federal student loans and am in repayment. He has defaulted on the loan he took out and Navient has started contacting me to pay. I've told them I never took out a loan as a joint lender or agreed to the loan. On multiple occasions they encouraged my father to go into forbearance multiple times instead of working on a payment plan causing the amount owed to increase. There actions seem predatory. I would like my name removed from the loan as I didn't consent to it and didn't benefit from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It has been 6 months and XXXX Credit Bureau is still reporting XXXX unknown collection accounts on my credit that were not originated by me. I have tried calling and was transferred to another department in which i was on hold for more than 30 minutes before hanging up and they have ignored my written disputes. My only recourse and this point is to file a complaint with you and your company is hopes i will help me get the situation resolved or it is more ammunition to prove in court that i have tried to get my case resolved. <P/>XXXX Report # 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 2019-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f  ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase Bank sent me a coupon in the mail for a {$200.00} bonus after opening a Chase Savings Account with {$15000.00} in new money deposited. 

On XX/XX/2019, I opened a new account at the Chase Bank, XXXX XXXX, Branch XXXX. I opened the account with {$15000.00} in order to qualify for the {$200.00} bonus after 90 days. I gave the coupon to the personal banker, XXXX XXXX, when opening the account. 

On XX/XX/2019, I inquired about the {$200.00} bonus. Chase Bank indicated they have no record of a bonus coupon and I will not be receiving any bonus. I contacted the branch manager XXXX XXXX who confirmed I will not be receiving the {$200.00} bonus. He said the bonus is for customers who plan on opening additional accounts and accused me of taking advantage of Chase. I advised him that I received the coupon in the mail, opened the account with {$15000.00} as required, and expect to receive the {$200.00} bonus. 

I advised him I would be filing a complaint. He said Chase doesn't want to do business with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX has reported on my Trans Union report on ( XX/XX/2017 ) I do NOT know what these are and they don't belong to me. i don't have any accounts with this company. I need these marks taken off my Trans Union report immediately.

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 2019-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX has reported on my Trans Union report on ( XX/XX/2018 ) I do NOT know what these are and they don't belong to me. i don't have any accounts with this company. I need these marks taken off my Trans Union report immediately.

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 2019-08-08
Company: Advance America, Cash Advance Centers, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Was last getting paid off then check into saying not been paid after I Paid XXXX XXXX back just for a XXXX loan gotten a XXXX from the place I Paid it off that's yes it's paid In Full ... Believe that why my credit score staying low bc of theses places that Already Paid off ... is Advance America one Gotten Proof I Already Paid in full ... Still trying get proof of a few more ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
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: Was not notified of investigation status or results

Complaint:
It has been 6 months and XXXX Credit Bureau is still reporting XXXX unknown collection accounts on my credit that were not originated by me. I have tried calling and was transferred to another department in which i was on hold for more than 30 minutes before hanging up and they have ignored my written disputes. My only recourse and this point is to file a complaint with you and your company is hopes i will help me get the situation resolved or it is more ammunition to prove in court that i have tried to get my case resolved. <P/>XXXX Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-15
Company: EQUIFAX, 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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Please note that this complaint is against BB & T : On XX/XX/XXXX I attempted to transfer {$1500.00} from my XXXX XXXX account to my BB & T account. I tried to use my BB & T debit card on XX/XX/XXXX and it was declined. I checked my account and the tranfer had been reversed somehow. This caused me to have a negative balance. So, instead of moving money from the Former bank account the transfer came from BB & T. I have transferred money before and this has never been a problem. 
I called the former bank to make sure that they cancelled the transaction in hopes that this would reverse the transaction and the money would not be transferred from BB & T. According to the agent I spoke with, the transaction was cancelled. 
Fast forward to the XXXX and I am not showing the transfer in the XXXX XXXX account but I am still showing a negative balance in my BB & T account. 
I have called both banks numerous times. BB & T states that the transfer has gone through and that the bank that was supposed to originally transfer the funds has the money. This institution has no documentation or evidence that this transaction even occurred. 
Please note the attached screenshot that is the only evidence that I have. It shows the wrong transfer from BB & T to the original bank that was supposed to transfer the funds. 
It is very disappointing that, today, in 2021 a bank does not have the capacity to help its clients resolve such an issue. I have had a negative balance in this account for over a week BB & T has no recourse to offer.

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 2019-08-08
Company: EQUIFAX, INC.
State: GA
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:
Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, US DEPT ED,  DEPTEDNELNET, XXXX XXXX XXXX, XXXX, Inquiries : 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 CARD, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Allied Collection Services, Inc. (Nevada)
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I entered into an online payday loan agreement with tribal lender XXXX XXXX XXXX XXXX in XXXX. I was never able to access or sent loan documents after signing. After realizing this lender is not authorized to lend in my state ( IOWA ), because they do not have a physical presence here ( and because of the extreme interest rates ) ; I closed the checking account associated with the loan, sent a notice of account revocation to this lender and informed them that according to the laws of Iowa, I was under no obligation to pay this back, as they knew they were lending to me illegally and were not authorized my state. They attempted to collect for a short time, emailed me to say they would be adding a {$250.00} fee to the next auto debit ( on a {$700.00} loan ). I continued to receive email from a " XXXX '' at a XXXXXXXXXXXX address attempting to collect. I replied back that I would like proof they are authorized to lend in the state of Iowa ( and legally allowed to collect on the debt ) -- to which they provided me none. <P/>I have not heard from this particular lender XXXX XXXX XXXX XXXX since XXXX when they initially were attempting to collect ; though now it appears they 've hired an outside collection agency ( Allied Collection Services - XXXX XXXX, NV ) in attempt to get funds, because they know they legally can not collect on them. I have n't had any communication with this Allied Collection Services ( no debt validations - nothing by mail, no voice messages identifying ) until I noticed a collection flag on my credit report -- and called to dispute it -- - ( they hung up on me once I mentioned the debt was invalid to collect on, that I would not be paying, and would be reporting it ). They refuse to remove the flag on my credit report ( which I 've also disputed with XXXX who has also failed to remove the flag ). <P/>Additionally, I 'm certain they have shared my private information with outside agencies in effort to harass and bully me into payment. My private information is being used to apply for loans online, and I 'm receiving recent email notifications about applying/being approved for loans with other lenders when I have n't applied for any online payday loan since XXXX. <P/>I filed a complaint with my state 's Attorney General 's office, and was advised by their investigators to file a complaint here, as well. <P/>Allied Collection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX http : //www.acsnv.com/ # XXXX XXXX XXXX ( Tribal Lender ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: BANKERS HEALTHCARE GROUP LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Initial I received a flier for this company and i went on their website to find out information regarding the company. The next day I received a call from this company and I asked them general questions because nothing was posted on their website in regards to interest, terms and conditions on their website. The associate said he could n't provide me the information unless my credit was ran so I agreed to it and gave him my information. A few day later the associate emailed me the credit application and XXXX form for me to fill out and they need a recent pay stub from me. After I filled out the required docs and my paystub I received a phone call from their under writer for a customer interview. XXXX minutes later I received and email with all the terms and conditions. When they ran my credit they told me I had a XXXX fico and in the email sent me they quote me a rates of 14.49 % & 15.49 %. the following day the associate sends me a text asking me what I thought about the approval and I told him i was insulted and that i was interested any more. The following day i received a text say that the were sorry and they can get me a rate of 7.49 % and I did n't respond. I received a phone call a week later from their underwriter and informed I was interested and he still was trying to convince me to do the loan. When I asked the underwriter why XXXX day the rate was 14.49 % to 15.49 % and then the next day because I was upset the rate dropped to 7.49 % and he could n't answer my question

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing this due to non-compliance with the CRA ( XXXX and TransUnion ) .They have failed to remove information that was violated with personal details that were challenged in the past. Some of the account are closed and should not be there. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. I am very ambitious, determine and would hate to quit school now just because of this matter.

I am currently a XXXX XXXX ( I am about to XXXX ) I have already reached my max credit limit for subsidized and subsidized loan which makes me eligible to apply for Plus loan ... ..Well, I got denied simply because of my adverse credit. I need to fix these first before I can continue. I am aware that some of those are correct but I have also noticed inaccuracies.

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 2017-09-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient has not supplied a recent paper copy of a detailed monthly summary of my account XXXX daily interest accrued, payments made, outstanding principal ). 

They also do not have an option for borrowers to message customer service and keep a record of the messages exchanged. All inquiries must be made over the phone, leaving no record of what was discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint is acting negligent on a financial matter which is leading homeowner to foreclosure unnecessarily. At issue is an approved short sale whereby an extension was requested but denied because a previous extension had been granted however Shellpoint was negligent in not looking at that previous extension and realizing it was for only 7 days. Additionally every lender and servicer on earth understand that IRS tax liens take at a minimum of 30 days and up to 60 days to get resolved. Lenders and servicers as a course of business always allow for 2 extensions. Shellpoint was negligent in not reviewing the time on the 1st extension and grossly negligent in not even contacting 3rd party to discuss prior to denial of short sale extension request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My problem is with XXXX. I have had a credit card with them for over 20 years. Last year they closed the store in XXXX XXXX where I live. Now there is no location convenient for my use. I therefore have not used the credit card. I did get an estimate for carpeting from XXXX about 3 months ago but the cost was too high and I purchased from someone else. 

There are very few times that I can now shop at XXXX and their on-line prices I have found to be too high. That is not the problem however. The problem is that I received a letter telling me that I either had to make a purchase by XX/XX/XXXX, or my credit limit would be lowered. 

The letter is dated XX/XX/XXXX, and states ; " Thank you for being a valued XXXX cardmember! After a recent review of your account, we noticed that your XXXX card ( for the account number referenced above ) has been inactive for over 16 months. 

In order to prevent the credit limit on your account from being lowered to $ x, xxx due to inactivity, you must use your XXXX card to make a purchase or other transaction by XX/XX/XXXX. '' I find this to be " XXXX XXXX ''. They are basically telling me that if I do not use my card, that they will take action that will result in a negative impact on my credit rating. I have always had excellent credit with XXXX. I would have used my card had they not decided to close that only store near me. 

I should not be " threatened '' with negative credit history due to their actions resulting in the store closure.

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