BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under National Credit Systems and validation was requested on XX/XX/XXXX. On XX/XX/XXXX I reviewed my credit profile again as National Credit Systems had not responded despite the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX. After this attempt the agency was also contacted via phone call, however I was informed that they did not have any outstanding balances that I was responsible for and escalated my concerns. Credit report was reviewed again on XX/XX/XXXX and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have applied for XXXX/XXXX Visa and every time I apply they decline because 1 ) Unable to find credit file 2 ) Unable to verify identity. In fact I have received Unable to verify identification XXXX   months in a row. My Name, Fraud Alert Number, Address, all match.

This is the game they play with someone who has a Fraud Alert on your Credit Report ( Your basically treated like a criminal ). You fill out application all information matching credit bureaus and number also matching they ask that I call to process further processes application and eventually transfer me to the Fraud Department. They advise that I will receive a letter and it requestes to call XXXX to further process the application and they transfer me to the Fraud Department again I I hear wait for a letter once I get letter XXXX/XXXX XXXX XXXX XXXX too.

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 2022-10-29
Company: ONLINE Information Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter on XX/XX/XXXX in which the debt collection agency received XX/XX/XXXX. This letter has not been responded to and it has been over the 30 days for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the filing of a complaint for inaccuracies that are being reported by Trans Union. See uploaded copy of my credit report by XXXX XXXX. Which shows the inaccuracies with account XXXX XXXX acct XXXX XXXX  accuracies being reported are : Monthly Payment, Date Opened, Number of months ( term ), Credit Limit Last Payment, Date Last Active, Date Last Payment, Two-Year Payment History- no months of payments history with Trans Union are reported at all .

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 2016-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been careful in ensuring that I do not incur Bank of America 's overdraft fees, even with my recent charges below {$25.00}, I immediately transferred fund to make sure I do not get hit with overdraft fees. Lo and behold, I get XXXX XXXX overdraft fees the next day because some charges hit my account right before I get a deposit. I see my bank account statement, and I do not see where my account went below XXXX. I called the bank, and told me to follow the Account History Balance, not the statement, the account history balance is in another screen that a regular consumer would not know about. It 's on a hidden link which gives consumers false balance with the statement that is currently on the screen. I have relied on that statement, and now I 'm being told to follow another screen in order for me to avoid getting overdraft fees. I was supposed to have XXXX for the week, good for groceries, and gas. Now I 'm left behind XXXX for the week! I have requested for a reverse on the overdraft and Bank of America will not give me the credit back. I have my statement to prove that I never went below XXXX. They took my money for no reason!

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 monetary relief
Consumer complaint received 2017-02-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received an email from XXXX and they are telling me that they are going to garnish my wages. They have my name, address, social security number and license number. I never applied for a loan at this online place that they are saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: MO
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 mailed a letter certified back on XXXX XXXX making you guys aware of fraudulent information being reported on my consumer report. I received a response that the letter was not coming from me!! Listen my personal information was exposed in a Data breach and I believe it has gotten into the hands of the wrong person. After checking my annual credit report AGAIN I still notice fraudulent names, addresses, incorrect Social Security numbers, inquiries and accounts that were not transactions made by me. This needs to be deleted 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 2015-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This is not a duplicate dispute : I filed a proper dispute with Equifax about XXXX ( XXXX ) reported judgments that were never recorded. My credit report is allowed to show ONLY " Judgments of Record. '' I originally disputed these XXXX ( XXXX ) judgments with Equifax on XXXX XXXX, 2015. My dispute results are dated XXXX/XXXX/15 where Equifax states that the results for the judgments have been updated to " Satisfied/Released '' for both. I filed a second dispute with Equifax on XXXX/XXXX/15 through the CFPB stating that I was not satisfied with Equifax 's initial investigation into my case and I would like a re-investigation to be done. My second dispute results done through the CFPB where dated XXXX/XXXX/15 and where stated as follows : XXXX judgment Status - " Pending ; Satisfied '' and the other judgment Status - " Satisfied ''. The results were changed from the original dispute. But not removed from my credit file. 
I have checked with my XXXX County Texas Clerk of Courts office, as well as checked the recorded instruments myself, and there are NO RECORDED JUDGMENTS that exist for me. In my dispute letter, I asked Equifax to provide a Method of Verification if somehow they verified any existence of recorded judgments for me. I received no Method of Verification, and also the Clerk of Court has in no way verified the " existence '' of a recorded document. Therefor, I have gone to the XXXX County Texas clerks office my self and have acquired the proper paperwork as proof stating, signed and stamped with signatures a record search was done by the clerks office for me on XXXX/XXXX/15 with " no judgments '' of any kind found associated in my name. The record search paperwork from the Clerk office is attached. 

It is clear that Equifax has in no way properly investigated this matter within three ( 3 ) short days that it took to read my dispute letter and update my credit file with incorrect information. 

Please note, The XXXX County Texas Clerk of Circuit Court records, indexes and permanently stores ALL recorded judgments with real estate records ( land, deeds, etc. ) for XXXX County Texas. Attached is a printout of the public records system that XXXX County Texas uses to record these documents. Note that this is NOT a list of case files, but actual public records with recorded instrument numbers. 

I have also included the website link to the XXXX County Texas website which shows that this website can be used to search XXXX County Texas public records ( collincountytx.gov ) and is a valid source to find these documents. This list shows all of the public records that exist in my name in XXXX County Texas, none of which are these XXXX ( XXXX ) judgments being reported in my credit file. I have also included the letter originally sent to Equifax with the original disputed judgments listed. Please have these XXXX ( XXXX ) judgments removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I notified Citibank of a dispute with Home Depot for {$210.00} from a total charge of {$380.00} purchased on XXXX/XXXX/XXXX. Citibank sent me a stupid form to complete which did not allow for my comments so I requested a fax number to send in all my details and correspondence which is attached sent on XX/XX/XXXX. Citi " claims '' they never received this although I have a fax delivery confirmation. I resent this via email with attachments on Sent : Saturday, XX/XX/XXXX XXXX XXXX and this is my email delivery confirmation but Citi again states on XX/XX/XXXX at XXXX EST ( copy attached ), they still have not received my documentation. This is ridiculous and a complete run-a-round. I request your review and intervention in this matter as I am not receiving any support from this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Javitch, Block & Rathbone LLC
State: TX
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:
This company is using scare tactics to try and collect a debt.

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 2022-10-29
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I just need a loan to help get Christmas for my kids

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 2016-10-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
a leasing agreement was opened under my social security and name with XXXX in XXXX. XXXX payment was made and the account was considered abandoned. They continue to report that this account is " open '' on my credit report when the account should have been sent to collections and closed after all these years. I want the account sent to collections and closed. No payment has been made since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient has been messing with my accounts for years. I have been paying on my accounts and the payments do n't seem to be going toward my balances. Or some are and some are not. On top of that I have a loan that my mother co-signed for and they refuse to give us any options on that loan. We have a ridiculous interest rate and it is making it nearly impossible to pay back. This is by far the worst company I have ever. Had to deal with. I honestly wish that I never went to school because of how hard it has become to pay back these loans with this horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
NelNet continues to practice inconsistent customer service and other inconsistent lending practices. Since the inception of my student loan in XXXX XXXX, I was informed for first time in XXXX XXXX that credit card is an acceptable method of payment by customer service representatives. I have called in, talked to a representative, and made one-time lump payments of {$4000.00} on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I attempted to make the same transaction and was denied. However, the same transaction was approved 3 times previously. I was informed they can not accept a " debt for debt payment '' as per SSA guidelines. I was told if I were to file bankruptcy, and made credit card payments it would dissolve that portion of the student debt as it has been offset by potential credit card debt. Further, I was informed I can not make a credit payment in excess of monthly payment amount. The payment amount is an arbitrary allocation of cost. Based on those grounds, if I requested a revised payment schedule based on a different payback period, I could simply work around the method outlined by the representative. I am not in acknowledgment of any modifications to my loan which revokes this privilege. Payment is payment and it should not be determined by the lender of which form of payment is " more credible ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was finally able to reach out to my borrower and set up payments. My payments were set at {$550.00} per month ... Steep but I agreed to pay. However each, time I would apply for income based repayment or the fact that I was working at a XXXX. My paperwork got lost or someone said it was never received. The next year I thought the {$550.00} per month would continue, but I was told I would have to pay {$250.00} more per month, even though I told them there was no way I could afford {$750.00} per month payment. They said it was not going any lower and the only way to avoid was to go into forebearance ... I feel I was forced into forebearance and I told them over and over that is not what I wanted ... I wanted to start paying. But I 'm in forebearance because they will not give me lower payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have recently entered into the loss mitigation program my mortgage company XXXX XXXX XXXX related hardship, including a payment forbearance program made pursuant to the Coronavirus Economic Stabilization Act, section 4022 ( 15 U.S.C. 9056 ) ; it also includes, without limitation, all other principal and interest payments that are due and unpaid by a borrower experiencing XXXX related hardship. For purposes of this paragraph ( c ) ( XXXX ) ( v ) ( A ) ( XXXX ), the term of the mortgage loan means the term of the mortgage loan according to the obligation between the parties in effect when the borrower is offered the loss mitigation option. ( XXXX ) Any amounts that the borrower may delay paying as described in paragraph ( c ) ( XXXX ) ( v ) ( A ) ( XXXX ) of this section do not accrue interest ; the servicer does not charge any fee in connection with the loss mitigation option ; and the servicer waives all existing late charges, penalties, stop payment fees, or similar charges promptly upon the borrowers acceptance of the loss mitigation option. ( XXXX ) The borrowers acceptance of an offer made pursuant to paragraph ( c ) ( XXXX ) ( v ) ( A ) of this section ends any preexisting delinquency on the mortgage loan. 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 2022-10-29
Company: EQUIFAX, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After reviewing my credit report I found that this fraudulent item was placed on my credit. at the time this item was establish XXXX. 

Account name XXXX XXXX XXXX {$4700.00} is a fraud item

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Seterus, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus, Inc filed a false report with the XXXX major credit bureaus indicating that my XXXX 2015 mortgage was late when in fact they received the total loan payoff on XXXX XXXX, 2015. It should be noted that late fees are not assessed until the XXXX of each as per the terms and conditions of our contract. I am unable to secure a mortgage for my new home because of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: LendKey Technologies, Inc.
State: FL
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 have recently been educated about the Consumer Credit Laws and TILA. I entered into a contract with Lendkey Technologies on XXXX for a student loan repayment for a total of {$55000.00}. To date I have paid {$25000.00} on the principal and {$22000.00}, with a remaining {$29000.00} on principal owed. 

Per 16 CFR 433.2, XXXX XXXX by excluded the federally mandated provision in at least ten point, bold face, type " ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. '' See contract attached. 

They were notified on two separate occasions, both notarized by a XXXX  XXXX XXXX, of their violation of the law and did not provide a response within 20 calendar days of receipt of notice, per 12 CFR 1026.15 ( b ) - ( Regulation Z ). Per Regulation Z they are required to repay me any monies paid towards this loan, which would be a total of {$48000.00} I have attached proof of notification and receipt. 

I am requesting that the CFPB contact Lendkey Technologies ( and their registered agent ) regarding my requests to respond to my notice of recission and affidavit of truth sent to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Experian keeps putting Fraud Alerts on my file when I did not ask them to. They are saying that I am disputing information in my file which is not True. I have challenged the inaccuracies in my report and have asked them to supply physical verification of each negative item per section XXXX or to remove the items. They refuse to do so. Instead they keep putting fraud alerts on my file to avoid obeying the law

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