BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2017-01-11
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Several Federal student loans with furnisher Fedloan Servicing are being reported as late although loans in general forbearance where by law no payments were not required/delayed for during that timeframe. The negative information is being reported to all XXXX major credit bureaus. I have disputed this inaccirate information numerous times only to have it returned as verified. It is my understanding tbat that FTC laws requires the creditor to report and update accurate information. This furnisher refuses to update my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For nearly 3 months I have been dealing wit h Fedloan to try to change my income-driven repayment plan from IBR to PAYE . On numerous occasions I have been given incorrect information which has delayed the process, and has kept me in forbearance when I should be making payments. In general, the customer service representatives seem to be completely uninformed about their own policies. I have called in multiple times in a single day, getting a different answer from each customer service representative that I speak to. Once I was told they would mark my account for " expedited review '' since it had been so delayed. I called back the same day and was told by a different person that there is no such thing as " expedited revi ew '' at Fedloan. Now a fter 3 months, I 'm finally to the point in the process where I can pay the mandatory one-time reduced payment of {$5.00}, so that I can enter my new income-based repayment plan ( online calculator says I can expect to pay about $ 400 /mon  th  ). The bill for the {$5.00} was posted to my account on  X/XX/17   , and I paid it on  X/XX/17   . On  XXXX , I then got a new notice from  Fedloan  that my next bill is due   XX/XX/XXXX ,  in the amount of {$3900.00}. I called to ask how that amount is possible, and was told that I " paid the {$5.00} bill too early, and should have waited until  XX/XX/XXXX . '' I asked to speak to a manager, but no managers were available. I was never told to wait until  XX/XX/XXXX  to pay the bill, despite having many conversations with multiple Fedloan customer service reps about it. Nothing on the bill said to delay payment until  XX/XX/XXXX . My online payment went through and was taken out of my account immediately, and I received a confirmation of successful payment. Why would n't they delay the transaction until  XX/XX/XXXX  if that was required? They have my {$5.00}, I just want them to apply it appropriately and let me start my PAYE repayment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20
Company: MORTGAGE LENDERS OF AMERICA
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I contacted Mortgage Lenders of America and was immediately put in contact with XXXX XXXX. He was very friendly and helped get all the paperwork set up after we found the house we wanted to buy. My main concern was the closing date. XXXX informed me that a XXXX XXXX, 2015 closing date was more than achievable. After I signed all the paperwork he required, he sent the loan to his company 's ( Mortgage Lenders of America ) in-house underwriting. This is where it all goes down hill. For XXXX weeks I have been proactive with my communication. XXXX continues to say that his hands are tied because he does not control the underwriting process, which I understand and believe. The problem is communication. We were supposed to close today, per my signed contract ( XXXX XXXX, 2015 ), and I have been informed that the closing will have to be pushed to XXXX XXXX, 2015. The only excuse for this was, " the underwriting department is behind ''. How is that in anyway acceptable? I have already scheduled the movers based on the closing date in the contract. They can not change my date because their next available is not until XXXX. I already contacted the cable company who is shutting off my cable and internet tomorrow based on the closing date in the contract ( I 'm currently an XXXX, so that is added stress ). I have forwarded my mail to the new address based on the closing date in the contract. I have had to push my start date for my new job out XXXX week, which means I am losing XXXX dollars because of this delay. Also, I now have to budget for a XXXX week stay in a hotel, on top of losing XXXX dollars from my new job. In an attempt to get more answers and possibly accelerate the process, I contacted a team lead/manager at Mortgage Lenders of America. I was placed in contact with XXXX XXXX. He reverberated the " underwriters are behind '' motto and stated that I should just be patient and make arrangements for a XXXX XXXX, 2015 closing, once again not offering a valid explanation, nor taking into account the major financial and emotional inconvenience placed on myself and my family. He gave me the phone number to his boss, the Director of Loan Origination, XXXX XXXX, and I asked my realtor to contact him. My realtor called the number we were provided and there was no answer. He did leave a message, but has not received a call back as of yet. There must be some type of accountability held and repercussions placed on companies that put families into these types of situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have already filed a complaint with XXXX XXXX XXXX because I believe XXXX XXXX was negligent in forwarding me the report in question but LexisNexis is VERY DELINGUENT in its reporting accuracy about me. I received an ins score report, sourced from LexisNexis, indicating my ins score is XXXX and highest could be XXXX. Reasons for what I perceive to be a low score appear to be old and inaccurate. There appears to be no requirement for LexisNexis to update its reporting details. Some of the statements and the details within them could be more than three years old. Information about LexisNexis online is vague and rambling. Whether a score of XXXX is good or bad is not at all indicated. Further if consumers want more info they have to contact LexisNexis and wait sometimes for WEEKS to get answers. I believe, based on the sloppiness of this entire process I may NEVER hear from them. If this company is going to be free and careless about how they report consumers ' details, they should be more accurate!! For example, did they think to update ANYTHING after the recent XXXX debacle, where some consumers ' scores were dropped 100 points or more??? How do they get their information?? Do they check it for relevance?? How do they inform consumers they exist and possibly use their financial information against them???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Global Lending Services LLC
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Another financial institution has refinanced my car. They continue to pressure me to pay for the vehicle, although the new Lien Holder and I completed the refinance before the monthly payment. XXXX  calls me 2 to 3 times a day to collect payment when I do not owe them anything. Any issues relating to the car should be solved with the institution in charge of the payoff made which is my new Lien Holder. 

They even call me on the weekends! This needs to stop, and better communication needs to be a thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am currently repaying my student loans to Navient on a " work out '' program they offer. This program allows me to ONLY pay the interest payments which does not reduce my actual principal balance. My regular monthly payment is too high for me to pay on a regular basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I applied for and obtained a payday loan from skytrail cash. The amount of fees are well over the state of Floridas allowed interest for a payday loan and I have been taken advantage of. I have received multiple calls from them at my place of employment and advised they can not call but they continue to call. In addition I have received a threatening email that they will debit my checking account knowing full well ach has been revoked and I am not allowing them to debit my account and put it into the negative. I have more than paid for this loan with the amount of fees that I have been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have disputed these items with all three bureaus by phone and mail and fax. They will not take the inquiries off saying they are a matter of record and telling me to contact the agencies to do there job to verify if the information that they are reporting is accurate when i am telling them it is wrong along with submitted all verifying documents from courts, child support agencies, police reports and proof of residence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
Equifax, XXXX  and XXXX  have overused their power of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other without my consent is unfair according to Congress Law. I have attached letters that I've previously sent via mail. These credit bureaus are not operating with the boundaries of FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello, I have a history that goes back 15 years with Bank of America and throughout those years I have never had any adverse action on any account that I held with them. I recently opened an account with them and due to the mail delays I did not get anything pertaining to the account for over two weeks. When I called in to the call center for customer service center to figure out how to get everything in order I was told that the account was considered fraud. I asked why and explained that I could not take action on an account that I have no information for. I was told that they could not provide me any information and that was it. I recently received a letter in the mail again expressing the account was closed for fraudulent reasons with no explanation and the decision was final. They also expressed that this could affect my ability to hold any account with them in the future. I live in the same home I have lived in for over 20 years and all information that I provided was valid. I think this was not right considering they could not provide me an explanation. 
XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-05-21
Company: TRANSWORLD SYSTEMS INC
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I WAS IN A CAR ACCIDENT ON  X/XX/2016    IN WHICH ANOTHER PARTY WAS AT FAULT FOR, I HAD TO HAVE SEVERAL  XXXX  AS A RESULT ALL OF MY MEDICAL PROVIDER WERE FULLY AWARE THAT  A 3RD P ARTY WAS RESPONSIBLE AND WAS PROVIDED WITH THE CLAIM NUMBER FOR BILLING AND A COPY OF THE POLICE REPORT FOR THE ACCIDENT. I AM BEING REPRESENTED BY   XXXX   XXXX   XXXX   IN  XXXX  NEBRASKA. I WAS CONTACTED BY   XXXX   XXXX   XXXX   TO DEMAND PAYMENT FOR FOR  XXXX  BILLS FOR   XXXX   FOR {$140.00} AND THE OTHER FOR {$120.00} EVEN THOUGH THEY HAD DOCUMENTATION FROM MY ATTORNEYS OFFICE THAT THIS WAS A  3RD  PARTY BILLING THEY KEPT THREATENING TO TURN THE  XXXX  BILLS OVER TO COLLECTIONS SO I PAID BOTH BILLS IN FULL. A FEW WEEKS LATER I GOT AN ALERT FROM CREDIT MONITORING THAT A COLLECTION HAD BEEN ADDED TO MY CREDIT FILE BY A COLLECTION AGENCY CALLE D TRANSWORLD SY STEMS WHICH I PROPMTLY CONTACTED TO GET THEIR FAX NUMBER TO SEND THEM PROOF OF PAYMENT THE LADY I SPOKE TO REFUSED TO HEAR ME AT ALL AND BEGAN YELLING AT ME FOR PAYMENT, I ALSO CONTACTED    XXXX   XXXX   XXXX    TO FIND OUT WHY THESE ACCOUNTS WERE PLACED WITH COLLECTIONS DESPITE BEING PAID IN FULL EVEN THOUGH I WAS NOT THE RESPONSIBLE PARTY. AT FIRST I WAS TOLD THAT MY PAYMENT COULD NOT BE FOUND AND AFTER FAXING PROOF OF PAYMENT I WAS TOLD THAT THE SYSTEM HADNT UPDATED PAYMENT WHEN THE COLLECTION HAD GONE OUT. THIS CALLED MY  CREDIT SCORE T O DROP BY OVER  XXXX  POINTS. I DESPUTED THESE COLLECTIONS WITH  XXXX ,  XXXX  AND  XXXX  ONLY  XXXX  REMOVED THESE COLLECTIONS FULLY THEY ARE STILL LISTED ON MY   XXXX   AND   XXXX   REPORTS, I AM VERY DISAPPOINTED BY   XXXX   XXXX   XXXX   FOR DEMANDING PAYMENT FROM ME DESPITE HAVING PROOF THAT ANOTHER PARTY WAS RESPONSIBLE AND HAVING A CLAIM NUMBER FOR BILLING, I FELT BULLIED INTO PAYING AND INSULTED WHEN I STILL TURNED OVER FOR COLLECTIONS AFTER PAYING THEN TREATED VERY HOSTILE BY  TRANSWORLD SYSTEMS  AS I ATTEMPTED TO PROVIDE THEM PROOF OF PAYMENT AND THAT THE COLLECTION WAS IN ERROR THEY REFUSED TO ACCEPT ANY INFORAMTION FROM ME AND LASTLY I AM DISAPPOINTED THAT DESPITE PAGES OF DOCUMENTATION THAT THE COLLECTION WAS IN ERROR AND I PAID THE BILL DESPITE NOT BEING RESPONSIBLE FOR THE BILLS ONLY TO HAVE THESE NEGATIVE ITEMS ON MY CREDIT FILE STILL FROM  XXXX  AND  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been disputing these account for exactly 4 years. I have submitted police reports, ftc reports, notarized letters, etc. The credit bureaus claims that the creditor is providing them with proof the accounts belong to me. When I ask to see the proof I am directed to the creditors, when I call the creditors I cant get past verification because the accounts do not belong to me. I have been getting the run around for 4 years, so I have sued the creditors since it is the creditors, in accordance the bureau, that has to be provide me proof. I have been advised by my attorney to dispute the following accounts 1 ) security service account number XXXX and XXXX ) XXXX XXXX account number XXXX and inform the bureau that the account are now in litigation, however I can't dispute online and when I call I get the run around from person to person department for days. Per my attorney the accounts listed in this complaint are now in litigation and I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2022-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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: Problem with personal statement of dispute

Complaint:
The auto finance company " Capital One Auto Finance '' Has failed to agree to the terms of the account listed below. 
I was provided a letter after a settlement agreement, stating " Your Account is settled in Full '' " We will report this account as settled for less than the full balance to the four major credit reporting agencies '' My XXXX report status for this account says " Account paid in full, was a repossession '' This is not what I was advised it should read. 

Capital One Auto Finance Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I. Hunt and Henriques sent me a letter dated XXXX/XXXX/XXXX stating 1 ) they had been retained by XXXX, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/XXXX. In that letter, I asked Hunt and Henriques to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Hunt and Henriques on XXXX/XXXX/XXXX. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/XXXX by Hunt and Henriques regarding this matter. 


ISSUE : This firm stated they were retained by XXXX. That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by Hunt and Henriques in the letter are fraudulent and misleading, and intended to intimidate. Further, Hunt and Henriques has extended this fraud into court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
- Account opened XX/XX/XXXX - Spoke with Ally Bank Agent XX/XX/XXXX ; Agent indicated money would be avaliable for withdrawal the following day XX/XX/XXXX. 
- Made purchaseon XX/XX/XXXX requiring wiring of funds by XX/XX/XXXX ; Purchase made based on Ally Bank representative statement. 
- Spoke with Ally Agent XX/XX/XXXX requesting withdrawal of funds, and was denied request. 
- Due to bank 's failure to provide accurate information and withdrawl funds on XX/XX/XXXX, I was charged a {$400.00} fee for failure to provide funds on XX/XX/XXXX. 


Bank reference number for call : 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 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I signed up under the Trans Union website under the understanding I was establishing a login so I can turn on and off my credit freeze. I was mysteriously signed up for their credit monitoring service with absolutely no indication. I have been charged a monthly service fee that I was completely unaware of. This process is borderline predatory, a scam, and at the minimum unethical

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