BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-27
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I currently have about {$3000.00} in temporary credit with XXXX XXXX XXXX. I graduated in XXXX 2013. The temporary credit account is being serviced by a company called UAS XXXX. I have made multiple payments and then got laid off from my job about a year ago and used a forebearance on my account. I found work quickly and have attempted to make a payment on my account for the last year. Every time I call the customer service department the representative said that they ca n't understand me and that I should make a payment online. So, I try that and it tells me that my account information is incorrect and can not be verified. However, in the meantime they continue to call me no less than 5 times per day. So, I attempt to pay my debt and it seems like they do not want my money. It 's absolutely ridiculous. I called customer service last week and they said we could work something out. They emailed me paperwork that I printed, completed, and mailed back. I get an email tonight saying that the payment arrangements were denied and that someone would contact me from another company that I have never heard of. This company is horrible and so is the institution they represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XX/XX/2013 I pulled my Credit File and discover that XXXX, which is a copy that Mortgage Companies use to pull individuals who are in the market to get a Mortgage unlawfully violated my Constitutional Rights by accessing my Credit Information without my CONSENT! 
I discovered the unlawful violation when I pulling of my Credit File in XXXX, 2013 via my Experian Credit Report which reflects the 'INQUIRY ' by XXXX. 
I disputed the unlawful act with Experian and they removed the information from my credit file. 
However, I made several attempts to get XXXX to provide to me the 'CONSENT ' documentation that they received from their client ... XXXX XXXX so that I could find out who and/or what individual with XXXX XXXX that requested my CREDIT INFORMATION to be 'SHARED/DISCLOSED ' to XXXX XXXX. I mailed via Certied Mail requesting that XXXX respond to me in 'WRITING ' with providing me the information that I was seeking so that I could find out how requested my information. 

XXXX REFUSED to provide to me that information/documentation from their files that reflect the name of the party from XXXX XXXX who placed the unlawful request for my information, thus invading my PRIVACY, as well as Violating My Constitutional/ Civil Rights with the unlawful access into my Credit FILE without my CONSENT! 
The attached documentation from Experian reflects the FACT that EXPERIAN released my information to XXXX via XXXX 'S request for my information for a 30 Year Mortgage which I NEVER APPLIED FOR, NOR GAVE CONSENT to XXXX to release my information. I 've made several attempts requesting that XXXX provide to me the information/documentation from the parties/XXXX that requested my Credit Information and XXXX has refused to respond to ANY of my numerous inquiries! This COMPLAINT is NOT AGAINST EXPERIAN ... it is against XXXX for THEIR unlawfully violation into my CREDIT FILE without MY CONSENT!

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 2020-08-12
Company: Experian Information Solutions Inc.
State: OH
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 XXXXXXXX XXXX XXXX # XXXX I was not aware of the debt and never received a notice. Please provide validation of debt and the procedure used to Validate.. 

XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 


XXXX XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXX XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXXXXXX XXXX # XXXX Not my account. Please Verification and Method of Verification. 

XXXX XXXX XXXX  Not my account. Please provide Verification, Method of Verification and Validation of Debt. 


XXXX XXXX XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX XXXX XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 


XXXX XXXX XXXX XXXX Payment history and dates inaccurate, please provide physical verification of late payments, method of verification and validation of debt. This is violation of my Hippa Rights not permission to share my info. 

XXXX XXXX XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and and validation of debt. 

Account # XXXX Incomplete file on XXXX, please remove ; if not please provide validation of debt and method of validation. 


XXXX XXXX XXXX # XXXX Provide the method of verification, validation of debt and assignment of debt as well. 


XXXX XXXX XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate and assignment of debt. 


11 XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate. 

08 XXXX XXXX XXXX XXXX # Please provide verification of account, validation of debt and the procedure used to Validate and and assignment of debt. 


01 XXXX XXXX XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate.

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 2017-01-23
Company: ALLY FINANCIAL INC.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I leased a vehicle from GMAC, which was assigned to Ally Financial! The agent of Ally, XXXX XXXX engaged in fraud at the time of the execution of the lease. The vehicle was paid off timely, returned, and there was some physical damage, covered in full my automobile insurance company, the XXXX XXXX of Michigan. Based on all the actions at the inception of the lease, and Ally 's failure to properly give me the required notices at the end of the lease, and the fact that my insurance company paid Ally all monies for any physical damage, I owe Ally no money.

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 2016-06-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible. And with another note the Telephone number and address of the account is incorrect those not exist there none information at all from this corporation.

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 2015-08-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
what experian has done is illegal. They have updated my 6.9 yrs old closed account and converted a fully paid good account with notification of paid in time into a derogatory account as being late 120 days. The account in question is a secured account so no question of any money being due.XXXX has never demanded any money from me in 6 .9 yrs. 
Converting it from a good account to a bad account after 6.9 yrs on a closed account equivalent to reporting a late payment after 6.9 yrs. This is beyond the statute of limitations. Surprising enough they report payment received in XXXX and late in XXXX.Are credit reporting companies XXXX. 
Now i have to sue XXXX XXXX. by the time they respond my account will be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: WA
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:
We keep receiving in the mail from XXXX XXXX XXXX our credit scores. They are very low. We have paid every bill and have receipts as proof of payment this includes, Housing, Car, and Credit Cards. My wife XXXX received credit scores of XXXX and one of them was from the company where we make car payments XXXX XXXX XXXX. We have made 54/84 car payments and our current on payments. We have made all credit card payments and current on payment. We have mailed the statements from the credit burea with a letter regarding FCRA violations not reporting payments and or inquiries. I think we need the credit bureaus and ourselves to show up in a legal setting so that I can bring all the paid receipts and file a formal complaint. The credit bureaus have also reported we have lived at addresses we never lived at.

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 2016-02-22
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I currently have disputed an appt from XXXX XXXX that is on my account with a balance of {$950.00} that has been sent to collections that I did not open. I currently have been having XXXX service for over two years now and did not authorize this XXXX XXXX account to be open. I did contact XXXX XXXX to inform them that I did not open this account nor did I ever contact them to have this account opened. XXXX XXXX did inform me there was nothing they could do for me. I need this removed off my credit report due to I did not authorize for this account to be open under my 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 explanation
Consumer complaint received 2020-08-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A debt validation letter was sent to DEPT OF ED/ NAVIENT on XX/XX/2020 certified mail, because of upon investigation there were concerns of my student loan account being not valid, because of possible fraud and non full disclosure. So in the letter i requested debt validation in the form of 1. validation of debt- this is actual accounting 2, verification of there claims against me ; that is a signed invoice, 3, copy of the contract signed binding both parties ( XXXX XXXX XXXX XXXX and DEPT OF ED/ NAVIENT ), in a letter by ' certified mail so that there is an independent " witness to have it delivered. '' I have yet to receive a response from them in the reasonable amount of time that was given to them of 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
equifax.com not only damage my credit due to there data bridge but the don't answer my phone calls i cant get my credit score or pull my equifax report they are damaging big time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Paypal Holdings, Inc
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have contacted their customer service many times, and they all told me that I could withdraw my money and ask me to change my browser. I tried many times, but I still couldn't withdraw my money. I want to withdraw my money. 
I keep making mistakes when I withdraw money Sorry, somethings not right. Please try again later. 
Go back My email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have been using the chime banking service for 3 years with great results. on friday XX/XX/2022 my checking, savings and Credit card were closed suddenly at XXXX via this email. 
" XXXX XXXX, Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2022. 

If you have ACH Debits or recurring debit card payments, please notify the originators immediately to avoid disruption with your future payments. ACH debits and recurring debit card payments may be rejected after XX/XX/2022, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. '' I was never call or contact out side of XXXX emails. I attempted to call the customer service only to be deferred to the support chime email. I contacted Chime through intsagram and XXXX only to get the same prompt telling me to expect an email regarding the matter. on monday XXXX XXXX 2022 i received and email form customer support to send documents stating my case " Thanks for reaching out to Chime Member Services. Let me inform you that I was able to see that Chime has identified loads to your account not in compliance with its internal policies & the member agreement executed at enrollment. 

To potentially access any remaining funds, send govt ID, secondary ID OR proof of address, an explanation, & any docs you have verifying the source of the account loads & yourself as the intended recipient. '' I sent XXXX government ids, a list of my recurring deposits and returns from the last 3 months. and was told to wait 2-3 days to be updated. As XXXX pm XX/XX/XXXX I had not received anything prompting me to send another email only to be told " I apologize for the inconvenience of this situation. Unfortunately, for security reasons, Chime is unable to disclose further information about the closure of your account. For full details, please reference the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : https : //www.chime.com/policies '' I have read this article thoroughly and determined none of my actions violated their user agreement. as I thought this was a simple mistake ii assumed it would be handled as chime had exhibited excellent customer service to that point. But Chime has be been purposely making this process impossible to deal with via normal means of communication. I've learned many others has experienced the same issue as a part of their fraudulent activity security system. I read their agreement nothing I've done is in violation. All deposits ive made were repeat transactions over the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
I requested a balance transfer of {$750.00} from my XXXX account to my American Express account, however, American Express posted the charge twice on my account but it only transferred once. I tried to get this resolved for a month now but they have not fixed the issue and have reported inaccurately to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, my family and I went on a vacation to XXXX. While there, we were invited to attend a " free '' presentation to receive some discounts on local attractions. It turns out, we signed up for some sort of timeshare for over {$4500.00}. When we discovered our mistake, we tried to cancel immediately, and this is where the issues have occurred. 

I was told I have to send in a signed copy of the cancellation letter to " XXXX '' via email by XX/XX/XXXX which I did. I also submitted follow up emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and never received any response or acknowledgment from this company. 

I made the horrible mistake of assuming it was cancelled. I received no contact from this company for months. 

On XX/XX/XXXX, I received an alert on my credit report that my " debt '' was transferred to a collection agency named XXXX XXXX XXXX for {$4500.00}. I've tried disputing the debt with the credit bureaus and have been unsuccessful in getting them removed. 

Long story short, my credit has been ruined due to this collection amount. It is something that I cancelled within the allotted time, and also something I've never used. I think these two companies are using predatory tactics to steal money from me. And it is unfair that all my hard work trying to repair my credit is all ruined because of these scam artists. 

I've attached copies of the cancellation letter as well as the follow up emails showing that I did cancel this in the proper methods.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/XXXX I was given 2 separate Parent Plus loans. XX/XX/XXXX {$22000.00} and XX/XX/XXXX {$15000.00}. In XX/XX/XXXX I Consolidated but those loans, XX/XX/XXXX {$38000.00}. {$22000.00} + {$15000.00} = {$37000.00} + interest = {$38000.00}. I have no clue how this happen but they took the 2 loans that I consolidated $ XXXX {$15000.00} and the new consolidated loan {$38000.00} and added them together. $ XXXX/ {$15000.00} + $ XXXX= {$76000.00}. I 'm collecting interest on all of this and I need this resolved. I called Navient/XXXX XXXX for months to fix this and they just gave me the run around. I ca n't pay on something that is wrong. I Do n't know how to fix this, I need help. I feel like my hands are tied on this, I want to resolve this so i can pay on it. Thanks for your Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
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 information incorrect

Complaint:
Debt collector XXXX XXXX XXXX unable to provide supporting evidence and Ive attached a document that verify that 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 2020-08-12
Company: AmeriHome Mortgage Company, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Processed required information to move from a regular monthly payment to a discounted, semimonthly payment to automatically be withdrawn on the XXXX  and XXXX  XXXX  of each month. I paid {$4000.00} to initiate the program. That arrangement was initiated on approximately XXXX XX/XX/XXXX. 

Three months later I was notified that I was three months behind on payments again. I contacted AmeriHome again, and they admitted that things were in order, and it should have begun, but I would have to pay another {$4000.00}, which included a late fee. Also, I had to complete the paperwork again. I did as directed. That was approximately XXXX XX/XX/XXXX. Being as it was their mistake, I asked that I be granted a refund of the late fees and was told I would have to send an email with that request. An email was sent to AmerHome that day. Now, almost eight months later I have still received no response. 

In XXXX, XXXX, due to a change in fee structures at my bank I was forced to change the account form which my house payments were being made. I immediately notified all of my utility companies and Amerihome of the account change. I was told to fax a form from their online items. I did so immediately. 

Now, XXXX XX/XX/XXXX I received a letter stating that I am behind again. I called Amerihome to see why the process did not continue. I called them on XXXX XX/XX/XXXX at XXXX and was on hold for 13 minutes and 43 seconds. I was disconnected and called back at XXXX and was on hold for 14 minutes and 28 seconds. When I finally spoke to someone I asked to speak to a supervisor. None were available and I was told I would contacted XXXX, XXXX XX/XX/XXXX. I was not contacted. 

I called again XXXX, XXXX XX/XX/XXXX at XXXX was on hold for 16 minutes and 28 seconds. Upon speaking to an agent I asked to  speak to a supervisor, but none were available as it is their protocol to arrange for a supervisor to call back. I was assured it would be with in the next eight business hours. Again, no return call. 

Incidentally, I am currently on hold with them again now, XXXX XX/XX/XXXX. This call was initiated XXXX and I have been on hold for 21 minutes and counting.

Company response to consumer: Closed with explanation