BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-27
Company: Navient Solutions, LLC.
State: MI
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:
I called my lender, Navient, and advised them that I was unemployed and/or when employed, my income was below what any affordable payments possible. I have  XXXX  dependents, and my spouse is a  XXXX  Veteran. I was recently informed of the Income Based Repayment Program, however, I was placed on Forbearances for many years. During these years, I SHOULD have been provided the option and information regarding th e Income Based Repayment Plan.  If I was offered this option, I would be much closer to the end of my plan, as I graduated in  2006 .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I need a payoff letter from BSI Financial stating that my loan is for two properties. They claim that one of the properties is the main loan so they only put the that property on there. The problem with that is I want to refinance this loan so I don't have to deal BSI Financial anymore and the the problems I have had with escrow, insurance not being paid, a website that only updates once a month, and confusing statements. 
My loan documents state this is a loan for the two properties so common sense says the loan payoff should include both properties, otherwise the new mortgage company can't do a loan if it appears only 1 of the properties is being paid off. 
I believe they are doing this so I can't payoff of the loan and they can continue servicing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
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 non-monetary relief
Consumer complaint received 2016-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
sent letters XXXX and Experian CB and told them that I was under fraud and the Hard inquires on my report were not authorized by me. I sent letters with receipts and they were signed for and with no actions or updates on my credit 30 days waited and no action. so I sent a second letter with no actions done on my credit, so I know rights and the credit laws, by study. 
I need help.

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 2023-03-16
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received correspondence that I owed XXXX in XXXX. They suggested that this was seriously past due. I moved to XXXX in XX/XX/2015. The letter that was sent stated that the account was opened earlier than that. I have not contacted them due to fthe fact that I do not owe this debt, and this is not my account. I would like for them to present information that aligns with their claim. Also even if this account was opened in 2015 it is well past the statue to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
For the past two or three transactions that I've attempted to make using Western Union they have accepted the payment and confirmed the transaction only to take the money from my account, and when my wife goes to pick the moneyup in XXXX she is told that they can't pay it out and I need to contact Western Union. Once I contact them, I'm told that there's a hold on the transaction and it will be refunded to my account in 3-5 business days. The first one was on XX/XX/XXXX for {$1500.00} and the other one was today XX/XX/XXXX for {$200.00}. This is insane, I typically don't have enough money in my account to resend the same amount of money that I just tried to send and they are holding. Last time I was told that it was because they are unable to pay out more than 9000 pesos, and this time I sent $ XXXXUSD - which would have been XXXX pesos and was given the same XXXX  reason for reversing the transaction. Also, I just checked on the app to make sure I got the dates correct and the transaction from today still shows 'In Progress ' after they specifically told me they were cancelling it. So they're basically just collecting interest on it. 

If they aren't going to pay the money out why would they accept the transaction in the first place? They have all the info available before they take the money out of my account ( destination, amount, etc. ), and they still take the money. So while they collect interest on the money they took out of my account my wife has no way to pay her electric bill or phone bill because i have to wait 3-5 business days for them to give me my money back. Customer service is worthless, I've been read the same script twenty times already. Either they don't understand the problem or they don't care, probably a mix of both.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: EQUIFAX, INC.
State: ND
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:
I am a victim of identity theft. I have fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report that don't belong to me. The following hard inquiries are fraudulent and unauthorized: XXXX XXXX, XX/XX/2017, XXXX XXXX XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act Convergent Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-09-12
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED 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 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-08-14
Company: BOK FINANCIAL CORP
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is my second time filing a complaint. I 'm complaining about the Bank of Albuquerque. I am not sure what agency I used to complain to before. They contacted my bank, and I received a phone call from my bank apologizing and refunding the NSF fees. He asked that I contact him directly in the future if I have another issue. I can not find his information. I called my bank, and they do n't seem to have the information either.
My bank will process the largest check first then the smaller checks/drafts especially if the larger check/draft will deplete the funds. Thus, causing instead of 1 NSF fee, it could be 2 or more. I have both a Business and Personal account with Bank Of Albuquerque. I have been known to transfer money to the wrong account, or forget to do a transfer, therefore causing an overdraft. I 'll accept responsibility of my errors. But, my bank is charging excessive NSF fees. The summer is my slowest time for my business and sales are very slow. These NSF fees have put both accounts in the negative and I currently can not operate my business. I phoned the bank and they claim they process the checks in chronological order. I find it extremely odd that it is the LARGEST check the comes in first, every day!! Years ago I complained and at that time they claimed that they process the larger checks or drafts first because they feel it is probably the most important. It is apparent they have a 'canned ' response for their bank holders that complain. It is my understanding this process is illegal.
I live in a community with a lot of retired people on limited incomes. How many other people are receiving these excess charges?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PORTFOLIO RECOVERY ASSOCIATES Account number XXXX In accordance with the fair credit reporting act, this creditor has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy. 
15 U.S.C. 1582 section 604A state consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1666 B A creditor may not treat a payment on under an open end consumer credit plan as late for any purpose Please adhere immediately and remove from all credit bureaus or anywhere else. 

Award me {$20000.00} for my inconvenience. They are to never use my information for anything ever in life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a {$800.00} loan out on XXXX XXXX. I was not informed of the 523 % interest rate and I was told there was only a monthly payment of {$180.00} come to find out its bi weekly. I was unable to view the truth in lending disclosure until after the loan had been processed and funds delivered to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: NATIONWIDE ACCEPTANCE LLC
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: Account status incorrect

Complaint:
Nationwide fraudulently reported several accounts on my credit reports using different names. Now, this company has re-aged this account on all of my credit reports ; making it appear that the account was charged off in XXXX. They are reporting that I have negative payment history since XXXX. This is not true. The account was closed in XXXX. Nationwide is reporting this false and incorrect information to XXXX, XXXX and 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 2017-08-14
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern, I have an XXXX XXXX XXXX Collections on my account ; AFNI, INC. for {$180.00}. I have paid this collection and settled. This collection was a result of un-returned equipment for when I was in college. I had an out of state internship and my roommates said they would return the equipment.
They did not do this immediately and I was in another state trying to get them to return the equipment. I was notified by XXXX XXXX XXXX that it was not returned and tried working with them to explain the situation. The roommate who had the router got a job in another state than the one the XXXX XXXX XXXX  equipment originally was from. XXXX XXXX XXXX refused to take the equipment at a location in a different state than we had used the equipment in.
In the end the ex-roommate told me they returned the equipment but XXXX XXXX XXXX never gave me credit for it. This roommate could have been lying, there is no way to know. Still XXXX XXXX XXXX was not helpful in resolving the issue. Once they marked it as deogatory they never even followed up to see if the equipment was returned. The account is paid and settled for nearly 3 years. I have been a client of XXXX XXXX XXXX for over 12 years, going back to Cingular Cell Phone. There is no reason this should still be on the report.
It is negatively affecting my credit and making it more difficult to get competitive interest rates on loans or qualify for student loan consolidation. I would like this PAID collection removed and deleted. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are two accounts on my credit one is for a company called XXXX, and they have advised me that they have sent over a deletion to Experian on two different occasions and it has never been deleted. The other account is XXXX, and they have deleted this account once before and now they have placed it back on the credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: LA
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 submitted several letters to all XXXX credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX XXXX XXXX - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. NONE OF THE BUREAUS IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. Only XXXX bureau is showing the ''Account status '' as open and the other 2are saying that this account is closed. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL XXXX BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL XXXX credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2017-08-14
Company: Credit Collections U.S.A., L.L.C.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent credit collections a letter asking them to verify 2 medical bills that were on my credit report on XXXX XXXX, 2017. As of today, I have not received anything back from them in reference to the debt. The two amounts are for XXXX dollars and the other is for XXXX dollars. I was not aware of these bills and do not have recollection of the days they claim I went to the doctor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I keep receiving text message about my Lowe 's Credit card payment. I do not nor have i ever had a lowe 's credit card. 
XX/XX/2022 XXXXXXXX XXXX Text message states Synchrony Bank Payment Reminder. Pay at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Msg rates may apply. To opt out reply STOP

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 2022-02-01
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
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:
This Educational account was marked as 90 & 120 days late without a 30-day late. The said issue has been raised to XXXX but up until now they have not removed this account and keep on reporting this account inaccurately. Moreover, they have not presented any proof to ensure that they have investigated this account accordingly. I want this account to be removed as soon as possible. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Schreiber Law LLC
State: MA
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:
I have attempted to settle a debt that was owed several times. All of my attempts were either ignored or rejected. I was sued for a much higher amount than I owed because they kept on accruing interest after I had made several attempts to settle or to arrange a monthly payment plan that I can afford. They brought me to court and I had no representation and did not know what I was doing at all. They bamboozled me into accepting a monthly payment plan based on an inflated figure and the payment is more than I can afford per month. I will be paying this debt forever while they collect money on a debt that I do not owe the full amount for. It is wrong and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: CAVALRY INVESTMENTS, LLC
State: MA
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:
I have attempted to settle a debt that was owed several times. All of my attempts were either ignored or rejected. I was sued for a much higher amount than I owed because they kept on accruing interest after I had made several attempts to settle or to arrange a monthly payment plan that I can afford. They brought me to court and I had no representation and did not know what I was doing at all. They bamboozled me into accepting a monthly payment plan based on an inflated figure and the payment is more than I can afford per month. I will be paying this debt forever while they collect money on a debt that I do not owe the full amount for. It is wrong and deceptive.

Company response to consumer: Closed with explanation