BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-27
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: Old information reappears or never goes away

Complaint:
I have disputed with Equifax on numerous occasions, the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I have never resided at this address. Equifax has responded on 2 occasions to my disputes in their reports dated XX/XX/XXXX ( Confirmation # XXXX ) and XX/XX/XXXX ( Confirmation # XXXX ) that they had indeed DELETED this address, yet when I pull my most recent report, Equifax is still reporting these addresses. 

I have never lived at this address, nor have I ever received any mail at this address. Equifax is deleting and reinserting this address and has NOT one time advised me 5 days prior to reinserting this inaccurate address. Again, Equifax has furnished me reports on two different occasions where they explicitly stated this address was DELETED! This address needs to be DELETED IMMEDIATELY & I NEED TO BE PROVIDED AGAIN ANOTHER COPY OF MY UPDATED REPORT REFLECTING THIS DELETION! 

EQUIFAX DOES NOT HAVE THE RIGHT TO RE-INSERT THIS ADDRESS ON MY REPORT WITHOUT GIVING ME 5 DAYS NOTICE -- -- THEY DID NOT AND CONTINUE TO DELETE AND REINSERT EVEN AFTER THEY STATED IT WAS DELETED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-04
Company: National Credit Adjusters, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX/XXXX/2015, a collection company named National Credit called my landlord trying to locate me concerning a debt claim. The debt in question is from an old XXXX XXXX account which is currently being disputed. The caller did not announce they where a debt collector and pretended to be a potential employer trying to gain information concerning my address/employment. I am unable to work due XXXX within the last three years. The constant harassment from this company is extremely stressful and totally unnecessary. On a previous occasion, this company told me to sell my belongings in order to pay this debt when I told them I had recently had XXXX and was unable to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPLICATIONS ( INQUIRES ) IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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
Consumer complaint received 2015-10-15
Company: BlueChip Financial
State: IN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out this internet loan, {$300.00} and have been making installment payments every two weeks. I did not know that they were not licensed in Indiana that that their percentage rates were unallowed. As of this date I have paid back approx {$600.00} - their percentage is 761.09 % which is well above the percentage rate allowed. I believe that I do not owe these people any more money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: SLM CORPORATION
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On my sallie mae account it only goes as far as XX/XX/XXXX. When i first started my payments were under 180 dollars. On XX/XX/XXXX my loan states i am now paying XXXX. I had a late charge or XXXX because i did not have the money in my account. On XX/XX/XXXX it was XXXX on XX/XX/XXXX my interest went up XXXX. On XX/XX/XXXX my bill became XXXX. On XX/XX/XXXX i had gone through a major hurricane. I had late payments from being out of a job during the hurricane, when i called multiple times i kept getting the ring around. I would call about their hurricane assistance they posted on their site. I would be told they need to check if it was available for me call back in a week. I would wait 2 weeks. I called 4 times and on the 4th time i was told about a forbearance that would bring my late charges down to XXXX, i had to set my bill on autopay for until XX/XX/XXXX if i missed an auto pay date my over 800 dollar bill would restart and i would owe that 800 somthing dollar bill again. Any time i could not make my bill because it was so high and had late charges i would call and they each time gave me a ring around my problems were never solved. XX/XX/XXXX i had accured interest or XXXX. On XX/XX/XXXX on my document it says amount XXXX, interest ( XXXX ), principle ( XXXX ) each month the interest fluctuates either going up or down. Multiple times this company has not omce helped me out especially after hurricane Micheal that caused me to lose my home and everything. I had no job for months. Currently as of XX/XX/XXXX i owed XXXX, interest ( XXXX ) principle ( XXXX ). XX/XX/XXXX i accured an interest or XXXX. I do not understand why im being charged so much when i can barely make the payments somtimes, and their customer care is no help AT ALL.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-28
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attended  XXXX   XXXX  from  XXXX   XXXX  until the  XXXX  of  XXXX . During this time I took out private student loans from the lender  XXXX   XXXX   ( this is now Navient ). I took out a significant amount of money over these years. I really did n't understand the process of paying it back  and I thought they would work with me based on my income. I have done multiple forbearances over the years and it seems they are also charging me additional fees. They told me I know longer qualify for any programs and they are requesting a payment beyond my means. They are threatening to put a lean on my parents home. My father is on a fixed income, as he was when these loans were taken out. My credit is destroyed and I do not know what to do. Please help me.   Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: ACS Education Services
State: TN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have a student loan that was cosigned by my grandfather. XXXX XXXX on XXXX XXXX, 2015 apparently was attempting to contact one of us reference this loan. The person representing this company left the following voicemail on my parents phone : " Hi this message is intended for XXXX XXXX XXXX or XXXX XXXX XXXX. If you are not XXXX XXXX XXXX XXXX XXXX please hang up. This is XXXX calling from XXXX XXXX. Communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. I need a return phone call back today. My number is XXXX. Refer to file number XXXX. '' Someone from XXXX XXXX had spoken to my grandfather around XX/XX/XXXX. Apparently the company did not like the information my grandfather gave them so they continue to call looking for me. 

My complaint is does n't the voice mail violate the FDCP Act? It is my understanding that according to the act they can communicate with a third party by advising who they are and obtain location information. It is also my understanding they ca n't advise they are a debt collector and that I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Not sure where to start but the loan modification that i applied for with Penney Mac was on going but Penney Mac decide to move forward with the foreclosure sale even after stating in the month of XXXX that there was no sale date to worry about and the Loan Mod was in process I do n't understand why this company is XXXX XXXX on foreclosing on my home when i have supplied them with 99 % of the required documents for a loan modification review, I have repeatedly told Penney mac i would like to keep home and obtain a loan modification and not lose my home because of one outstanding document, which they have now as of the date of this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am interested in making weekly mortgage payments in order to decrease the length of my mortgage loan and reduce the amount of interest that I will pay over the term of my loan. I contacted my mortgage company and was told that they only have a bi-weekly program available and that they discourage clients from paying outside of the normal monthly payment schedule, as these payments are customarily held and not applied properly to the clients accounts. I should be able to choose the manner in which I make my mortgage payments as long as by the XXXX of the month, the entire mortgage payment is received by the lending institution. Also, it is quite disturbing to be told that they discourage this practice and that they are aware of the mishandling of the monies that are paid outside of the customary monthly payment schedule. Obviously, the lending institutions would prefer to have all clients pay only once monthly so that they can collect the full amount of interest that would be owed on the loan, but consumers should be giving the option of making payments on a different schedule, that may better suit them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: GVA Holdings, LLC
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
So I took out {$320.00} from northern plains funding and before taking out any money I asked if there was any interest fee they said I did n't have to pay interest if I did something called a pay down. Which is longer term of payments but cheaper price. So instead of paying {$97.00} a paycheck, I would only have to pay {$10.00} a paycheck for a longer amount of time. I 've already paid up to {$320.00} of payments to them and they are still charging me {$97.00} a paycheck. I can not afford this any longer and it 's really beginning to stress me out. They told me I still owe about {$400.00} more! I 'm only XXXX XXXX XXXX and I obviously do n't have a high paying job to be able to pay them over {$700.00} worth of funds. I think that 's a rip off! NORTHERN PLAINS FUNDING should be shut down for misleading me into their schemes!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The complaint I am filing is against the debt collection agency Midland Credit Management. I have been corresponding with Midland Credit Management regarding the fraudulent information they are reporting on my credit reports, regarding the claim by them that I owe {$1500.00}. 
I have sent correspondence to Midland Credit Management on XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015 asking them to Provide me the following documents ( see 1 and 2 below ) to substantiate their claim and they have failed to do so. I know they are required to follow the law and that law is the Fair Credit Reporting Act. I have never contracted with this company and I do not believe they can provide a contract with my signature on it naming them a party that I have contracted with. 
In all the correspondence that I have received from Midland Credit Management they say they need more information to identify the basis of my dispute. I believe all my correspondence has been clear and concise regarding my dispute of the fraudulent information they are reporting to the credit agencies. 
I believe they are attempting to intimidate and entice me to honor their presentment through fraud by omission ( failure to state a material fact - that we have no nexus nor am I obligated to contract with you ) and misrepresentation of the character and legal status of the debt in question ( which is a violation of federal law ). 

1. A certified copy ( not a copy of a copy but a notarized certified copy ) of the original paper contract from the originating creditor SIGNED BY ME specifically naming your company as a person entitled to enforce a commercial claim against me. 

2. Copies of any and all documents that assign or legally transfer ownership of the alleged debt in question from the originating creditor ( or a different collection agency or debt collector ) to your company. 

I wish for all the accounts and/or references they have placed on my credit report ( s ) to be removed immediately. I can provide all correspondence, I have sent by U.S. Certified Mail, if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nonrenewal, Other, Premium Notice/Billing, Unsatisfactory Settlement/Offer Other Reason XXXX : Accounting Breach Implied Covenant of Good faith *Details of the Complaint : Starting on XXXX XXXX XXXX the XXXX day of XXXX, the Insurance company has delayed the Mortgage payments to the extent of causing extra fees and deferred interest among other charges to make the pay-off a larger amount than when the XXXX began.After the insurance coverage limit was reached at $ XXXX on XXXX the next XXXX statements indicated {$00.00} owed for those months. Then in XXXX XXXX a statement came saying to start making payments of roughly {$1000.00} per month again.I made those payments and they were not applied anywhere.Though I did notice that the deferred Interest amount had increased by almost the exact amount that those ( XXXX ) payments I made totaled.I then sent them a QWR letter requesting documents and an explanation.What they sent back was evidence of their wrongdoing over the past 12 years since we started the mortgage including the XXXX periods broken into 24 month segments.They basically kept sending continuance of XXXX forms and rejecting them and saying we needed to fill out a different XXXX in order to delay paying themselves.These forms were filled out by Certified Doctors each time. 
They even sent XXXX letter back saying that my doctor ( XXXX XXXX was not a real doctor even though they had accepted her forms for over a 2 year span.She is a real doctor XXXX or was at that time.So I had to get a new doctor to fill out the continuance forms. At that time I was XXXX. The situation caused XXXX on me and my wife.XXXX I did file for a Chapter XXXX Bankruptcy and it was discharged XXXX. I did not reaffirm the Mortgage.I am faxing several pages of documents for your examination of the problem. I just want the amount owed to be right and them not to be allowed to cheat us as they have done to several million people over the past XXXX decades.Please feel free to call me with any questions or more documents. I have hundreds of pages of letters and statements. 
Please help us out if you can. 
Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My Credit Card was cancelled without consent or reason. XX/XX/XXXX I was notified by Amex that there was a transaction that did not go thru and there is a possibility that my card was compromised. I called them and had my card replaced. By the time I received the new card it was XX/XX/XXXX. I called and went thru a series of security questions until i was able to activate my card once again. I used my card repeatedly over the next several months, paying on time and most of the time paying XXXX times a month because my spending was greater than my limit, ( i never went over my limit ). In XX/XX/XXXX I saw a notification on my app on my phone, that my card was cancelled. I called and I was transferred to the fraud dept. where I was spoken in an unprofessional manner. The girl was almost lecturing me as how I never called back three months ago. I asked her to please calm down and transfer me to a supervisor or a manger which never happened. They told me that in XX/XX/XXXX I never called to go thru the security questions ( which i did and was able to use my card 3 months ) and there was nothing they could do. The card was cancelled indefinitely, I would need to re-apply if I wanted the card. This does not make any sense because from XX/XX/XXXX to XX/XX/XXXX I charged and paid over {$3000.00} dollars. If there was a security issue why was I using my card for 3 months? I think this is unfair. I have never paid late and not only did I pay on-time, I paid off the card most of the time. I was charged a yearly fee for a card I was unable to use for a year and I requested 3 times to speak to a manager. They told me the manager is busy and I would get a call back. Needless to say, the manager never called back and as of right now my account is closed and it was reported on my credit report which reflects as something negative. My card was connected to my XXXX frequent flyer program which offered me free bag check at check in. I travel a lot and feel this was totally unfair. Im really upset and feel that my account was closed for other issues like I pay on time or pay my card off. Im really not sure. But what I am sure is that the reason they gave me is TOTALLY BOGUS!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
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:
In accordance with the Fair Credit Reporting act XXXX XXXX SVCS, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
i have reported on several occasions about the unknown inquiries and they were not validated or removed

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 2016-11-26
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Other

Complaint:
I was a signer on a corporate credit card, ( American Express ), for a company that I worked for, however, I never signed or accepted any kind of personal guarantee. The company became insolvent and was dissolved by the state trustee. I have explained this to American Express and they refuse to remove this record from my personal credit. I have asked them to provide proof of the guarantor, which they have refused to provide. This incorrect reporting has cost me time, money and has negatively affected my profile for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Credit card
Issue: Bankruptcy

Complaint:
XXXX XXXX XXXX - based in XXXX Over {$1600.00} collection amount on credit report for a {$300.00} credit card since XX/XX/XXXX ; I filed bankruptcy in XX/XX/XXXX and credit card company did not file a claim. I attempted to settle debt for credit card limit {$300.00}. Debt collector attempted to collect XXXX % or more of a card -- - not used/closed since XX/XX/XXXX. Predatory Lending XXXX XXXX XXXX XXXX HSBC BANK XXXX XXXX XXXX XXXX XXXX, XXXX Open {$1600.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX HSBC BANK XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1300.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation