BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE 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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2017-04-10
Company: Avant Credit Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I took a loan with Avant online. The amount was {$20000.00} and the payment was {$840.00} a month. The interest over 35 %. At the time I thought I could handle it but I have come to a point that I can not. 
I knew the interest was high but where else could I get a loan? no where. I have paid on it for 18months and paid over {$16000.00}. Only I am shown as having paid {$5000.00} to principal. The interest will be way over {$28000.00}. I ask if they could lower the payment of the interest. They told me they could lower it to {$640.00} a month. That does n't really help. I do n't understand how they can charge such a large interest rate. How could I ever pay it off and what will they do to me? I know other loan companies have gotten in to trouble with interest rates like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent a letter to you disputing accounts as erroneous on ( XX/XX/2021 ) and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on ( XX/XX/2021 ). It is now ( XX/XX/2021 ) and I have not received a response from you. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 XXXX, you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
Enclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 
XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Thanks in advance to your timely response to this request. 
Sincerely, 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 2018-05-02
Company: EQUIFAX, INC.
State: MA
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:
Midland Funding, LLC amount of {$7700.00}. I have disputed and sent XXXX, Equifax and XXXX   copy of court document showing that case under Midland Funding, LLC was dismissed and I am to pay nothing. I also sent a police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28
Company: EQUIFAX, INC.
State: MD
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 XXXX of 2017 I wrote to Equifax, XXXX and XXXX asking them to verify several accounts that were unbeknownst to me and I have yet to see a response nor a change in my report. The accounts are as follows : XXXX -XXXX XXXX XXXX -XXXX -XXXX -XXXX -XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX -XXXX Equifax -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Navient Solutions, LLC.
State: PA
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 am seeking a refund, as guaranteed by the Department of Ed, for the amount I paid to Navient from XX/XX/XXXX through XX/XX/XXXX during the COVID pause on my student loans. 

Navient was my servicer at the time. 

Navient says they are not able to issue refunds for loans that are no longer serviced by them. However, the Department of Ed has informed me that Navient should issue this refund, as they were the servicer of my loans during this time and received the payments during these months. 

Navient claims the payments can not be refunded because the loans were FFEL not owned by the ED. However, the Department of Ed announced that these loans WOULD be retroactively included in the forebearance and those who had made payments during the pandemic are entitled to a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Good afternoon. I have a current installment loan for {$1400.00} with speedy cash and I am trying to set up a payment agreement with them for XXXX every two weeks totaling {$160.00} a month to pay off principal amount because I am going through a hardship right now and I can not afford this high interest loan with only XXXX going toward principal to get it paid off. I tried contacting them and sending an email to corporate, no one has responded. Please, I am trying to pay them back to get this paid in full what I owe them. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complain is regarding the handling of insurance funds by mortgage company Mr Copper. 

Starting XXXX of 2020 we had to initiated an isurance claim due to water damage for property located at XXXX XXXX XXXX XXXX XXXX FL, XXXX As per their requirements checks from the insurance company were submitted to Mr Copper and since then it has been close to impossible to complete repairs as funds are not being returned ... 

I have gotten in the habit of having to call them directly on the phone just to get my claim moving within their system. I have been given conflicting information every time that I call and 0 solutions I habe had to take out a personal loan to cover expenses and repairs given the lack of transparency and diligent work from the insurance and claims department at Mr Copper. 

In the middle of a pandemic a multibillion dollar company like Mr Copper should not be so reckless with other peoples ' money as it may not be an issue for them but its life changing for individuals and families They have lost a check even after I have sent them prepaid overnight envolopes for them to return them to me I can only conclude that there must be some type of restrictions being placed on me, whether it is because of my heritage and background being XXXX or my name being XXXX .... 

Given their lack of proper responses I fell obligated to present this complain as it is obvios that they do not care one bit about their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: U.S. BANCORP
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 information incorrect

Complaint:
To many hard inquiries on all three reporting agencies not authorized

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 2018-05-08
Company: Receivables Management Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called RECEIVABLES MANAGEMENT at ( XXXX ) XXXX on XX/XX/2018 at XXXX XXXX to inquire about a debt that is currently being reported as OPEN with a {$0.00} balance ; this particular account was originally {$79.00}, I paid off two of my open accounts this year.

For starters, the representative did not Right party contact me, and verify who I was with three questions all she asked for was my name and who the account was with. And then went on to freely give out my information, including my sons name since his name is on some of the open accounts, and openly discuessed how many accounts I had.

I paid the account in full and want it closed so it wont effect my credit score, and was told by the representative that its up to the credit reporting agency to decide if the account will be left as open or closed ; which I know is not true, it has to be marked paid in full and closed. It isn't an open account, there is no balance due! Also, she was extremely rude and talked over me multiple times and I had to raise my voice to get her to listen and let me speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
freedom debt relief promised me debt free in as little as 48 mos and i already completed paying them 48 mos, and still asking more time and payment and found out they charged me exessive fees and more fees total money i gave them not even half goes to my creditor i called them and the solution they did was to terminate my contract which i believe shoul have been completely done not terminated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX are associated with information I am disputing as fraudulent. Will you please remove from my XXXX and Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I XXXX XXXX and my Power of attorney went to my Bank ... Chase and asked to withdrawn {$100000.00} ... The person we spoke to asked for Id 's from both of us then went away and came back and asked my Power of attorney if we were sending this money to the XXXX XXXX and if not was the money going over seas??? Her name happens to be XXXX XXXX!!! She said absolutely not and that she did not know anyone overseas or in the XXXX XXXX. He said that the bank did not have this type of cash on hand and that it would have to be ordered. This was on a Monday so we asked how long it would be??? He said next week some time. We asked why so long and he said to make sure this is not fraud!!! So we left and decided in a couple days that really if it was such a big deal maybe we could just get {$50000.00} ... so we returned to the bank two days later and asked for just {$50000.00}!!! Thats when we were informed that all the five accounts had been frozen and that they did not know why and it was out of their control at the bank level!!! The bank manager XXXX XXXX told us this. He gave us a number to call if we had any questions ... The name and number is XXXX XXXX XXXX ... J P Morgan Chase Global Security Investigations. This has been a month ago!!! We have tried and tried to reach this person but he has never returned our phone calls!!! And we have never til this day received any paperwork in the mail with an explaination or a phone call from this person or Chase Bank located at XXXX XXXX XXXX ... XXXX XXXX Michigan XXXX ... Phone # XXXX. Each time a dozen times we have went to the bank for answers we're constantly being told they don't know anything and can not help ... sorry!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
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: Their investigation did not fix an error on your report

Complaint:
EQUIFAX AND XXXX  HAS AN ACCOUNT ON MY CREDIT THAT IS NOT MINE. IVE DISPUTED THIS ACCOUNT SEVERAL TIME AND THEY HAVE REFUSED TO DELETE/REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
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:
I have contacted Equifax along with the creditor for more than 3 months it is now going on 150 days where i have requested an original instrument contract bearing my signature. Ive asked both parties to send this information and none have been able to send this information. I am unaware of the fraudulent accounts and i have sent documents when asked of me but i haven't received any original contract with my signature. 1. XXXX XXXX & 2. XXXX XXXX : I don't recall applying for any credit or finance. I have only applied for credit in person. I have filed an FTC, i have filed a complaint with the XXXX XXXX XXXX, i have contacted the Attorney General office and have filed a lawsuit on all three parties for slandering my name and credit file. I have asked Equifax, XXXX XXXX, and XXXX to provide such instrument contract of originality with my signature but they have failed to provide me which such documents. All 3 parties have violated The FCRA sections 609, 605, 611 and many more. I won't accept this to continue any longer. I have been treated unfairly, i have been harassed by telemarketing numbers by creditors and credit bureaus. As i dispute the accounts before they were removed but placed back on my credit file. I never agreed to either companies or parties accessing my credit without my authorization with neither accounts. I have asked Equifax for the procedure that was taken and how the steps are taken to exactly investigate the accounts properly but i was hung up on the phone, they denied me access and treated me like a criminal at times. I am in distress and saddened to see that we are in a battle war with the credit bureaus and creditors. No one can say an account is yours if they don't have any evidence that you signed for it. I never signed any applications in person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09
Company: IT'S TIME - CREDIT REPAIR LLC
State: TX
Product: Other financial service
Sub-product: Credit repair
Issue: Fraud or scam

Complaint:
By means of this complain, my wife, XXXX XXXX XXXX and me, XXXX XXXX are having an issue with a credit repair company : It 's Time - Credit Repair ; which is located on : XXXX XXXX XXXX. # XXXX XXXX XXXX, TX, XXXX. XXXX : XXXX XXXX XXXX XXXX. We are submitting this complain against this credit repair company because it charged a series of illegal advance fees as well as misrepresented the cost and effectiveness of its services. We are seeking to halt the company 's harmful conduct and to obtain relief for us, including refunds of fees paid to the defendant. Our complaint seeks also our monetary relief, injunctive relief, and penalties. 
It 's Time - Credit Repair lured us with misleading, unsubstantiated claims that it could remove virtually any negative information from our credit reports and could boost credit scores by significant amounts. The company attracted us through its website and sales advertises. He promised us to obtain a mortgage and a loan for new house. The company lacked a reasonable basis for making these claims because it causes negative scores in our credit scores. 
It 's Time - Credit Repair ; charged a variety of fees for its services before demonstrating that the promised results had been achieved as required by law. Specifically, the company initial fees that it at times claimed were required to obtain special credit reports for us. The company also charged set-up fees totaling hundreds of dollars and monthly fees that often equaled {$240.00} per month. 
It 's Time- Credit Repair incurred on deceptive acts and practices in the marketing and promotion of its services. He promised us to erase several debts because there is a law who helps people with XXXX. Consequently, it lured us to get its services but it was a fraud because it was not true. Also, it promises us to improve our credit scores by challenging items on our credit reports, regardless of whether the information is accurate. 

Sincerely Yours, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX. E-mail : XXXXXXXXXXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have written over 10 cease & desist to XXXX XXXX. Once I send the letters a month later they send me the same letter with a differ reference #. This has happened more than 3 time. I thought it was illegal to continuing to contact the consumer once the Cease & Desist letters are sent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I really don't have much to say! I am just extremely frustrated with you all. I have reached out countless of times about the inaccurate item that is being presented on my credit report and I have been ignored. Nevertheless I will seek litigation if this continues. I have provided countless and countless of information proving that the accounts do not belong to me. This item has been destroying me and my family hopes of purchasing our first home. I am a single parent that has been slaving for years and saving up to provide my family the life I never had! Please remove this inaccurate item or I will seek litigation for each violation 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 non-monetary relief
Consumer complaint received 2018-05-02
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXXXXXX XXXX called a former girlfriend and stated that I was being sought over a bad check that I wrote. 

Dont think I have ever written a bad check, and even I had it should not be allowed to discuss such things with a third party. 

Phone call was on XXXX18

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
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:
Credit inquiry on my report should be taken off I dont have a product from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$0.00}

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 2022-09-01
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2022 i sent off a debt validation letter to the alleged debt Collector XXXX XXXX & they returned to sender saying that address is unknown & invalid when this is the address clearly showing on my Consumer report. If address information is invalid then surely the information being reported is to my understanding INACCURATE also. 

In accordance with the Fair Credit Reporting act XXXX XXXX # xxxxxxxxxx XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX called XX/XX/19 and left automatic voicemail. XXXX called XX/XX/19 at XXXX pm and left another voicemail. XX/XX/19 left another voicemail. XX/XX/XXXX, at XXXX pm left another voicemail. This is chase bank.

Company response to consumer: Closed with non-monetary relief