BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have credit card with bank of America that had a high Balance ( aprox {$4800.00} on a {$5000.00} line ) I made a payment Of {$2500.00} to decrease my high balance against my available Line in an attempt to help restore my credit score to a higher Level. Bank of America with no notice immediately Decreased my line to {$2300.00} after they received the {$2500.00} Payment leaving my credit usage to still show I have high Usage against my available line of credit as they had Reduced it! I think them being able to decrease a line of Credit with no warming or grace period is extremely unfair From a consumer stand point and this should not be allowed. 
If bank of America gave mea 90 day notice at lease I would Of know and the credit bureaus would of been able to factor True situation into their metrics! I think this should be Addressed across the industry not just bank of America As I am sure I am not the only victim of this. 

thank you, 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 2021-03-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In an ongoing issue I informed EQUIFAX that there were inquiries on my credit report that I was not aware of. I initially disputed the inquiries online. EQUIFAX stated that they contacted the creditor and that the creditor verified the inquiries. I informed EQUIFAX that an application for credit can be initiated by anyone who is in possession of the corresponding information. I, along with the other authorized user, proceeded in freezing the account to discourage unauthorized use. My first correspondence is dated XX/XX/XXXX and my last correspondence is dated XX/XX/XXXX. The inquiries remain on the credit report and presently hinder our commercial activity. I have been notified by local authorities that a police report is not warranted at this time. EQUIFAX is in violation of section 605B of the FAIR DEBT COLLECTION PRACTICES ACT. I should not have to wait for inquiries to be taken off of my report over time when there are questions as to who initiated the inquiries. Please remove the inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 account US DEPARTMENT OF ED has violated my rights under 15 USC 1681 section 602A & 604A section 2 15 USC 1666B View attachments below

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 2016-08-15
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I took out XXXX private student loans in XX/XX/XXXX and XX/XX/XXXX totaling {$30000.00}. Although I never obtained a position in the field that I was studying for, I did have gainful employment. Unfortunately, due to job loss, I had to file for Chapter XXXX bankruptcy. I am now working in a successful position ( still outside of the field in which I studied for ) and my bankruptcy has been discharged, however my student loan has more than doubled. The interest rates on both loans are 11 % and 13 %. This is going to put me back in a very difficult financial position and hinder my ability to pay for my daughter 's college tuition once she graduates from XXXX next year, perpetuating the vicious cycle of student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I currently have a loan with Chrysler Capital under my previous married name XXXX XXXX. The vehicle purchased XX/XX/XXXX is a XXXX XXXX XXXX. The loan Matured XX/XX/XXXX with a six month extension based on payments put to the end of the loan. There were no payments missed for the time period and now there is a balance past due of XXXX. When I contacted Chrysler capital to ask why is there still a balance I was told it was because of interest and fees in association to the six payments put to the end of the loan. Confused. I questioned why isn't it considered paid in full because there have been no missed payments. And the response was interest and fees and the balance remaining is due in full and I am currently paying the same amount monthly of XXXX which was the original monthly payment and still being charged interest and late fees every month and a statement that says balance due XXXX and considered 41 days past due, and my XXXX credit score dropped XXXX  points as Chrysler Capital has reported XXXX 30 days late. This loan has been the worst experience ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX and IMPAC/XXXX XXXX are charging my husband and I 5 % interest for our monthly mortgage. I understand that this rate is too high. I spoke with another mortgage company that I plan to refinance with and they stated that I should file a complaint against these XXXX companies since they are charging such an enormous interest rate. 

In addition, I was advised that this interest rate is even discriminatory because my husband and I are XXXX XXXX and are making a fairly decent income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out a private student loan from Sallie Mae in XXXX. I fell behind on payments upon graduation and due to the company 's unforgiving practices and high interest rates, my account was reported as a " charged off '' account in XX/XX/XXXX. While I made consistent payments as soon as I found employment, I went back to school for three years and could no longer make payments as I had no income. In the meantime, Sallie Mae turned into Navient. Navient then sent my account to various collection agencies for further collection. I am now in the process of negotiating a settlement so that I can resolve this matter. However, it has come to my attention that the collection agencies and/or Navient are engaging in deceptive practices regarding collection of this debt. 

On XX/XX/XXXX, my co-signer on the original loan received a settlement offer letter from the collection agency XXXX XXXX XXXX XXXX XXXX The letter stated that XXXX XXXX XXXX 's client ( i.e., Navient ) was willing to accept {$1900.00} of the outstanding {$4700.00}, in order to fully settle the debt. The letter also stated that the settlement offer would be open for 30 days from the date of the letter ( it was dated XX/XX/XXXX ). 

Since receipt of this letter, I had been in touch with both XXXX XXXX XXXX XXXX and Navient regarding resolution of this matter and was prepared to make payment towards this settlement amount in the immediate future. 

However, on XX/XX/XXXX, my co-signer received another letter from a completely different collection agency called XXXX XXXX XXXX XXXX XXXX, stating again that the full {$4700.00} balance was due. There are several issues with this latest letter : 1 ) This is the first time we have heard of XXXX XXXX XXXX XXXX XXXX and it appears that they are attempting to collect on the same debt twice. 

2 ) This letter was sent within the 30-day window we had received from XXXX XXXX XXXX XXXX to accept the settlement. We were about to send a check to XXXX XXXX XXXX XXXX to settle this, but now are receiving conflicting information that the full balance is due to an entirely different agency. The settlement offer was legally binding and to be held open for 30 days, so this new letter is not only contradictory but also violates the terms of that settlement offer letter. 

In conclusion, I believe that Navient, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are all engaging in unfair and deceptive debt collection practices. They are misrepresenting the total balance due, attempting to collect on the same debt twice and presenting conflicting information regarding legally binding settlement offersputting my cosigner and I in danger of paying more than what is actually owed on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian continues to list items on my credit report that have reached its Credit reporting statute of limitations of 7 years. I have filed multiple disputes to have these removed from the credit report, and they keep refusing to remove them stating that they have already investigated and will not conduct a new investigation. The other XXXX credit reporting agencies, XXXX and XXXX have removed these negative items, but Experian will not. Here is a list of negative items being reported by Experian that have reached the statute of limitations for reporting : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX I would really like them to follow up with a proper investigation and remove these items, which should no longer appear on my credit report as the other XXXX credit reporting agencies have done

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 2021-03-11
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My XXXX XXXX XXXX XXXX was purchased by me on XX/XX/XXXX ; from XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX/ Web-site XXXX. Sales : XXXX My Car payments are due on the XXXX of every month ; beginning XXXX XXXX. 


Transactions DATE SORTED BY DATE : DESCENDING. 
XXXX XX/XX/XXXX One-Time Payment Completed {$550.00} XX/XX/XXXX Reallocations Completed {$0.00} XX/XX/XXXX One-Time Payment Completed {$550.00} XX/XX/XXXX Payment Processing Center Completed $ XXXX/gap coverage was returned to the bank ; the bank applied that money as a car payment ; I never ask the bank to do that ; the bank also charged me XXXX for the return of the gap money. The gap money should have been deducted from the original {$36000.00} loan amount. 

This is the original amount I financed and does not include finance charges. 
{$36000.00} amount XX/XX/XXXX One-Time Payment Completed {$550.00} Cash down payment XXXX was not applied to the loan ; yet, it's on the contract. the bank told me that they never got the down payment. 
The daily interest rate on-line is % 7.0 on the contract it's % 6.99. I have made all payments on the car prior to the agreed due date ; which is the XXXX of every month. The XXXX payment for some unexplained reason was not reported ; now the bank says I am behind in my XXXX payment ; that a false accusation, I have never missed a payment ; if anything I pay early to reduce the compounded interest rates.

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 2015-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They continue to call my house daily even though it is my daughter who owes the debt. She is not here, and I am not paying her debt for her. I want them to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : XXXX, XXXX XXXX, ACE Cash Express and XXXX XXXX. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive. 

I first started using payday loans about XXXX or 7 years ago. My current situation of using multiple payday loans every two weeks started XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XX/XX/XXXX and XX/XX/XXXX. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? 

On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Arbor Professional Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Arbor Professional Solutions of XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, has listed a {$530.00} charge of debt to my XXXX XXXX Credit Report. Not once did Arbor Professional try and reach me to give me a change to dispute the debt owed. 

The {$530.00} charge stems from the Fire Department of the City of XXXX, Indiana. I am disputing the debt of {$530.00} for the following reasons : This debt occurred from when at the time a minor age XXXX at the time and not my biological nor adopted child was provided a ride in an ambulance with the permission of her biological mother and only legal guardian. 

The XXXX Fire Department requested health insurance billing information on a couple of occasions and the health insurance information was provided to the XXXX Fire Department each time. 

Not once did the Fire department or any of their representatives ever reach out stating they were unable to process the medical insurance information provided to them. 

In summary, I not only do I dispute the debt owed but I also am filing a formal complaint against Arbor Professionals for never giving me a change to dispute the charge of Debt before they submitted the debt to XXXX XXXX Credit Bureau. Arbor 's Phone Number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Since XXXX I start to sending letter and I report to the police department because I run my credit and the accounts shows in my report and those accounts are not my.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Cheek Law Offices, LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Hello, I want to first give a background story as to why XXXX XXXX at Cheek Law firm began harassing me in XXXX. To begin, XXXX bank says that I opened a " Credit Card '' on XXXX XXXX, XXXX and closed it on XXXX XXXX, XXXX as unpaid. I have never applied for a credit account with XXXX. I would like this taken off of my credit immediately. If you are unable remove this from my credit history, I would like supporting documentation including signatures showing I applied for credit and agreed to the terms and conditions on the account. 

Now that I have explained the back story, I will get into the harassment I have been enduring for seven years. Because of this, there is a public record from the XXXX XXXX XXXX courts for a garnishment of my wages by Cheek Law Firm and XXXX for the {$1700.00}. This case should not even exist as this was a write off error from XXXX stating this was a credit card debt. I was not aware that a " default judgment '' was going on from XXXX to XXXX, as it clearly states that I have NEVER signed for a judgment or garnishment. During this time period, XXXX XXXX from Cheek Law Firm has garnished my wages for 5 years, taking more than the original " debt ''. He has repeatedly called me and sent me fake letters saying I will go to jail. There can not be a case without a valid signature from certified mail, which leads me to believe a signature may have been forged. Cheek Law firm has left me alone since XXXX when the case was closed until now. I received a letter from Cheek Law Firm saying they are reopening my closed case and now this time XXXX XXXX wants {$4000.00}, with no reason as to why they are re opening the case, or why the money that was paid has somehow tripled in " debt ''. I have reached out to Cheek Law Firm to provide documentation of my knowledge and signature that I did agree to this debt, which they can not provide. 

After realizing now that my wages have been garnished for {$1700.00}, I would like Cheek Law Firm to reimburse me for the illegally garnished wages for the five years as there is no documentation and no representation. I would also like XXXX XXXX to stop stealing from me and harassing me by opening cases that have been closed for four years and asking for triple the original debt amount. 

Thank you, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: NCB Management Services 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:
According to the FCRA the following companies XXXX XXXX XXXX account XXXX NCB Management Services account XXXX XXXX XXXX XXXX account XXXX, & account XXXX have violated rights 15 U.S.C 1681 section ( A ) ( 4 ) I have the right to privacy 15 U.S.C 1681 section ( B ) ( a ) ( 2 ) nothing can be furnished to my consumer report without my written consent 15 U.S.C 1681 section ( A ) ( 3 ) ( a ) ( b ) ( c ) any medical bills or information should not be on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: NRA Group, 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:
According to the FCRA the following companies XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX NTL Recovery Agency account XXXX, & account XXXX have violated rights 15 U.S.C 1681 section ( A ) ( 4 ) I have the right to privacy 15 U.S.C 1681 section ( B ) ( a ) ( 2 ) nothing can be furnished to my consumer report without my written consent 15 U.S.C 1681 section ( A ) ( 3 ) ( a ) ( b ) ( c ) any medical bills or information should not be on my consumer 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
Consumer complaint received 2020-03-09
Company: Resurgent Capital Services L.P.
State: IL
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:
On XX/XX/2020 I received a call stating that I owed a debt. I asked for all of the details of the debt but the agent wouldnt provide me with the info. On XX/XX/2020 I received a email stating that we could resolve the debt. I reached out but the agent had no knowledge of the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: EQUIFAX, INC.
State: NC
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:
It has come to my attention, after reviewing my online credit bureau report, that continued requests for removal of items that have not been authorized by me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, fifteenth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me.

Company response to consumer: Closed with explanation