BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-13
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My direct unsubsidized consolidation loan was paid in full in XX/XX/XXXX, and I received a confirmation letter on XX/XX/XXXX from Fedloan Servicing stating that the loan was paid in full with a zero balance. My account was signed up for direct debit, and no further transactions posted after that time. Then, on XX/XX/XXXX, I received a letter that the account was in delinquency for 150 days with a balance of {$62.00}. The letter also stated that each nationwide consumer agency " has been notified of your late or missed payments ''. How can this be allowed to happen?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: General Motors Financial Company, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Re : Dishonor of Private Conditional Acceptance Presentment This is a notice to inform XXXX XXXX XXXX, and principals of XXXX XXXX XXXX. ( Hereinafter Respondents ). Respondents are in Dishonor and Default for refusal and failure to respond and rebut XXXX 's presentments titled, Private Conditional Acceptance and Offer to Cure, in the form of an Affidavit, dated XX/XX/XXXX ( hereinafter Presentment ). Respondents were " Privately Noticed '' and given allotted time to respond by rebutting XXXX 's Conditional Acceptance and Offer to Cure with specificity and fact of law under the penalties of perjury pursuant to 28 U.S. Code 1746 in the form of an affidavit. Ninety ( 90 ) dats have lapsed since Respondents have been in possession of said XXXX, and Respondents have refused and/or failed to rebut said XXXX in the allotted time and specified manner therein. On XX/XX/XXXX, principals and agents of XXXX XXXX XXXX XXXX,. XXXX XXXX XXXX,. and XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada ( Hereinafter ) deceived Affiant ; a private consumer into endorsing an unconscionable contract ( see XXXX XXXX ) for the purchase of a XXXX XXXX XXXX XXXX which Respondents willfully, falsely, and knowingly purported to be safe, and in compliance with U.S.C. 49 30116 et seq,. and the applicable mechanical, safety standards and regulations of the state of Michigan and state of Nevada. XXXX XXXX XXXX XXXX, and sales representatives of XXXX XXXX, both doing business in the state of Nevada wantonly, falsely and deliberately publicized deceptive advertisements which purported the " XXXX XXXX XXXX XXXX could travel 259 miles on a full charge '', was " Mechanically Sound '' " Eco Friendly '' and " Safe '', These deceptive public announcements and false advertisements was the centerpiece of XXXX XXXX XXXX, and its franchisees ' marketing campaign to garner sales for said vehicle. Considering the public announcements by Respondents, XXXX was deceived into to trading in a XXXX XXXX XXXX and paying a substantially higher price for the purchase of a XXXX XXXX XXXX XXXX, at a price gauging note approximately {$710.00} per month that Respondents knew was unsafe, prone to ignite into fire, and mechanically defective from the onset. Said actions by Respondents are in clear violation of a litany of mechanical and safety standards pursuant to United States Codes, including violating Deceptive Trade Practice statutes pursuant to State of Nevada Statutes ; 598.0903, et seq. Since reviewing models of the XXXX XXXX XXXX XXXX on television and internet completely burned, or on fire, I have since been filled with anxiety, suffer from psychological duress, and have no peace of mind every time I attempt to enter into XXXX XXXX the XXXX XXXX XXXX XXXXXXXX for XXXX of it catching fire, my family and I being injured or killed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Credit Karma, LLC
State: VA
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: Didn't receive services that were advertised

Complaint:
I was told by credit karma that I was pre-approved for a loan in XXXX, 2022 with 90 % approval odds and was subsequently denied with a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Credit Karma, LLC
State: NY
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:
My husband and I were going to buy a r.v. to live in. Credit karma said our account or credit score was XXXX. We are from New York. We went to Virginia by my daughter looked around picked out a R.V. they ran a hard copy of our credit and found out it was much lower. It was XXXX XXXX in XXXX V.A. we were embarrassed! They doubled our payment. We are XXXX, we did not get one. They did say that Credit Karma is a scam and many people have gone through the same thing. I feel defrauded. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have gotten {$210.00} in lat e fees from US Bank in the course of 3 days. I have replenished my account from my other account with in 12 hours when it 's gone negative ( usually from the excessive overdraft fees ). It 's not even suppose d to charge a fee if your account is not over - {$5.00} but at  XXXX  they started charging. I am enclosing screenshots to show my concerns.

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 2019-12-02
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 PMAB , LLC Company has on my report I owe {$300.00} twice in XXXX on same date which is impossible. I had health insurance and XXXX   back paid all medical expenses effective XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: JPMORGAN CHASE & CO.
State: NY
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:
I called the company to dispute a fraudulent inquiry on my credit report and o one wants to remove it the date of the inquiry is on XX/XX/XXXX of 2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have contacted the mortgage servicer BSI 4 different times requesting correction, clarification and refund of late fees that were not accurate. I have been charged 3 times for payments that I know were not late beyond the per agreement date. The account has been paid off, it took BSI nearly a month to finalize the payoff and send my refund, I have not received a closing statement from them as I asked nor the refund of late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
American Express won't refund a charge for {$410.00} made to XXXX for a phone that does not work in the United States because it was stolen. The serial number comes back stolen and as a result XXXX XXXX XXXX will not activate the cell phone and suspended my cellular telephone line. The purchase was made around XX/XX/2021 and disputed XX/XX/2021 dispute ID XXXX XXXX last 5 of card # XXXX XXXX. The dispute started as a conditional credit but the credit keeps getting reversed. I want the credit permanent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Atlantic Credit & Finance, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A company called  ACF  called in regards to  XXXX   XXXX  from phone #  (   XXXX   )   XXXX . The company disclosed that a debt is owed after I had advised that I was not the requested party. After advising them they are not allowed to imply debt to a third party, the agent continued to press for information on  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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, Transunion, 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 2022-02-24
Company: AES/PHEAA
State: IL
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:
American Education Services has not validated my debt pursuant to 15 USC 1692g. Your claims are false and your company is in violation of the FCRA and FDCPA, as well as TILA. A statement is not a bill. I continue to assert there are billing errors 15 USC 1666. The credit reporting agencies are right to delete the account because under the FCRA they can only furnish a report in accordance with the consumers request. I request that you immediately stop reporting on my consumer report and my co-signers consumer report until you are able to accurately validate the debt. 
Pursuant to 15 USC 1692 ( g ) ( 4 ) Validation of debts, if you have evidence to validate your claim that the alleged debt does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 20 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities. 
15 USC 1692j states, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not participating AES is causing harm to both consumers, myself and my co-signer by furnishing such forms as described by 15 USC 1692j ( a ) and as such, shall be liable to the same extent and in the same manner as a debt collector is liable under 15 USC 1692k of the FDCPA. and is also liable under the FCRA and TILA.

I am completing and submitting the paperwork to further assert this alleged debt is fraudulent. In the meantime, no late payments may be reported on my consumer report or that of my co-signer or that would be a violation of 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Exxon/ Mobil credit card reported on my credit report that I was negative in XXXX of XXXX. Which I did pay in full that month. Reported it to credit report many times with proof but nothing is being resolved.

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 2022-09-11
Company: Contemporary Information Corp
State: CO
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:
Im a natural living human and I have rights under the 15, USC 1681, that XXXX  who is governed under 15, USC 1681, they have violated my rights on numerous occasions and I demand that the following accounts from the list below be removed. According to Rule 15, USC, 1681, I have the right to privacy and I did not give XXXX real permission to furnish these accounts information. 

Accounts : XXXX XXXX XXXX Account XXXX Contact info XXXX XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NY XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Navient Solutions, LLC.
State: MN
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 have my student loans through Navient. When I called about options to pay less on my student loans, the only XXXX options they gave me were to either pay them or enroll in school to put them into in-school deferment. I already pay them {$500.00} a month and with some loans coming out of foreberance, my monthly payment was going up to {$800.00} a month, which is impossible with my income and other debt that was accumulated during school like credit cards. I just do n't feel I was given any options to repay. I do n't agree with them telling me to enroll in school again in order to not pay on my current loans and would then acquire more loans and really not be able to pay them. I ca n't stay in school forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Specialized Loan Servicing ) On XXXX XX/XX/2022, the XXXX XXXX XXXX XXXX XXXX XXXX has filed a {$100.00} lawsuit against me in order to foreclose my house. I have lived in the house for the last 18 years and since then the equity has tripled. In the last XXXX years, I have sent my mortgage payments on a regular basis and yet, Specialized Specialized Loan Servicing was sending notifications and harassment threatened letters to foreclose my house. 

In XXXX, they have returned the mortgage payment check and stated that I'm behind by {$8000.00} without being specific as far as the months they did not receive payments for. When I requested a payment history, they sent me a 60 page worth of payments history. I could have gone to my bank and showcased that they were receiving the payments and cashed them all. 

Since they stopped taking payments from in XX/XX/2022, so in XXXX I paid them {$5.00} over the phone to cover from XXXX to XXXX. To my knowledge, the fund was not applied into my account. In XXXX, they sent another threatened letter stated if they do not receive {$12000.00} in XXXX days, they will proceed to foreclosure. I did not even know where that amount came from. I had to settle with them to avoid foreclosure. I spent a total of {$18000.00} and yet most of the fund was not applied into my account. THIS IS STUNNING!

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 2022-09-11
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Upon reviewing my contract there are many breaches to the contract. I was coercion into the contract, influenced by dealer with material misrepresentation. Their are also many codes violated ( United States codes ) U S C 15 1602 ( k ) - U S C 15 1662 -U S C 15 1605 - U S C 15 1609 ( A ) CODE OF FEDERAL REGULATIONS ( C F R ) 12 226.15

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 2021-10-28
Company: EQUIFAX, INC.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXXXXXX ). 
( XXXX XXXXXXXX XXXX XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Experian  Re  : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from   XXXX   XXXX   XXXX   which was made on  XXXX / XXXX / 2015 . I checked my credit report, which I acquired from Experian.   I have contacted   XXXX   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,

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 2020-06-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX XXXX XXXX # XXXX {$7600.00} XXXX XXXX XXXX # XXXX {$310.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX   XX/XX/XXXX XXXX  Fraud Victim Assistance Department XXXX  XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX   XXXX XXXX # XXXX {$7600.00} XXXX XXXX  # XXXX {$310.00} Inquiries : XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX   XXXX XXXX # XXXX {$7600.00} XXXX  # XXXX {$310.00} XXXX XXXX   XXXX XXXX # XXXX {$190.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation