BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-18
Company: Navient Solutions, LLC.
State: FL
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:
My student loans were acquired threw XXXX which we no is now Navient. When i graduated from college in 2012 i had trouble finding steady work for years, i tried to keep up with my loan payments but i could not for financial reasons. Navient would always push me to a forbearance or deferment, so now these loans are costing me more than they ever should have. I am currently up do date with my loans, however i do not feel i was treated fairly i was getting charged interest while on deferment and i did not no this. Im not sure what exactly i can do so I am asking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Under the UCC, I have a right to request accounting. Please provide the original ledger and/or authenticated record for this alleged debt. Please provide the accounting or proof that you lent me anything. UCC 9-102 ( 7 ) states Authenticate '' means : ( A ) to sign ; or ( B ) with present intent to adopt or accept a record, to attach to or logically associate with the record an electronic sound, symbol, or process. UCC 9-102 ( 70 ) states Record '', except as used in " for record '', " of record '', " record or legal title '', and " record owner '', means information that is inscribed on a tangible medium or which is stored in an electronic or other medium and is retrievable in perceivable form. You are required to send all documentary evidence. 15 USC 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Please provide verification of the claim against me. This means a sworn affidavit or a hand signed invoice in accordance with the UCC. This debt is listed as a charge off on my consumer report.

Please provide a 1099c for this alleged debt. The IRS says that charged off debt is ordinary reportable income to the alleged debtor. If you refuse to do this, I will file a 1099c complaint which would then initiate them to file a form 4681 as well as a 3949-A Corporate Tax Fraud complaint and contact you. Charge offs are not debt. You have also used my consumer report as a form of punishment and bringing harm to me by reporting this fraudulent account on my consumer report. That is aggravated identity theft. 18 USC 894 ( a ) ( 1 ) and 18 USC 894 ( a ) ( 2 ) states : Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. I have sent you a cease and desist letter as well. You continue to violate that federal law as well. You are still communicating indirectly through my consumer report. According to 15 USC 1692c you are prohibited from communicating with me. Please know that I have every intent to file suit if this is not resolved within 15 days. You have repeatedly violated my consumer rights. There is no law stating I have to send you a police report signed by a notary. Again, I will not hesitate to file a suit if you continue to break Federal Law and violate my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-12
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Cavalry Portfolio Services, LLC. on XXXX/XXXX/XXXX Levied and seized by car. I had tried to negotiate with them on an old debt the bought from XXXX XXXX XXXX that was charged off. They put a judgement on me on XXXX/XXXX/XXXX after the debt was charged of from XXXX. I am XXXX year old widow. They told me they were going to auction my car and then attach my pay if I did n't pay them {$13000.00}. The debt was only around {$10000.00} orginaly. I offered to settle for {$7000.00} or pay {$1000.00} a month. They wanted both which I could n't do. I had to rent a car to go to work which I am in sales and have to travel to clients homes. I had to take the money out of my retirement 401K. This has really hurt me financially and I think this is unfair. I do n't think they should put a Judgment on me to begin with. XXXX had written this loan off. It shows on my credit report it was written off. With my husband dyeing supply I was left without his income and struggle to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-04-15
Company: Experian Information Solutions 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:
This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXXXXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

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 2016-09-26
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
Just got off the phone with XXXX, called to see if I could get on a extended payment plan as stated on the website of the CFSA and under facts and myths about payday lenders on the Check n Go website. I was told that EPPs are not offered in Ohio for online loans, so does this mean they do n't follow Ohio law? I have rolled this XXXX dollar loan over 7 times at a cost of XXXX dollars! When all is paid back I will have paid XXXX dollars for a XXXX dollar loan and they wont work with me at all, only if it goes into default which will cost me bank fees and additional fees with Check n Go. Now I know all will say why did you take loan out in first place? Well I am kinda stuck in a vicious cycle cant get out and I want to badly by doing the right thing and paying it back, just asking for someone to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Coinbase, Inc.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I was charged {$49.00} 3 times on XX/XX/2022 as a total of {$140.00} from a company called XXXX which is not even located on USA. I called coinbase the same day I was charged and many other times. They have send me only Emails promising to fix it but they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: KEYCORP
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Dear sirs, My name is XXXX XXXX, XXXX. XXXX and I am writing to you on behalf of XXXX XXXX, XXXX. XXXX XXXX has a bank account with KeyBank in XXXX, Ohio, which refuses to release the fund to her. Briefly about the background - XXXX XXXX XXXX had a sister, XXXX XXXX who passed away on XXXX XXXX XXXX and XXXX XXXX was declared the heir of her late sister 's funds on that very same bank account, as they were both joint owners of the account. She first requested the bank to close the account and send her the money in XXXX of XXXX. The bank ignored her requests and continues to do so to this day. It took XXXX XXXX XXXX a year and a half to get Keybank to respond to her numerous phone calls and faxes. After all that time XXXX XXXX XXXX of Keybank responded to her email, saying on XXXX XXXX XXXX that all her documents are in order and that " the account will be close in XXXX3 business days and the check will be mailed to the address on file. '' The check still has not arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted Affirm to let them know that I never opened an account with them, I submitted a police report as well, about two years ago, I'm tired of it being a negative blemish on my credit file, they say I owe them for two separate charges, one for {$200.00} and another for {$200.00} dollars, this debt doesn't belong to me and they refuse to remove it. account open date XX/XX/2018 for the {$200.00} dollars debt and XX/XX/2018 for the {$200.00} dollar debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 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 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 2021-01-11
Company: Millco Management
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed these accounts many times, and have received nothing at all from Amerifinancial Solutions. This is a violation of the FDCPA and the FCRA. They have failed to validate the debts at my request, and failed to properly disclose their attempts to collect said debts! I need them to stop right now! I thought I had rights! HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ON XX/XX/2020 I SENT CERTIFIED LETTERS TO XXXX AND XXXX EXPLAINING THE INACCURATE REPORTING AND ERRORS I FOUND ON MY CREDIT REPORT ABOUT WRONG ADDRESSES AND ACCOUNTS FOR THE AMOUNT OF {$110.00} FROM XXXX XXXX  AND {$130.00} FROM XXXX XXXX. THE ADDRESSES WAS CORRECTED BUT THEY COMPLETELY IGNORED THE REST. I RECEIVED A RESPONSE FROM XXXX  ON XX/XX/2020 WITH A CONFIRMATION # CORRECTING MY ADDRESS THATS ALL THEY NEVER RESPONDED ABOUT DISPUTE IN INVESTIGATION I HAVE YET TO RECEIVE ANY INFORMATION ABOUT ACCOUNTS PERTAINING TO ME FROM XXXX XXXX IN XXXX, TX XXXX OR XXXX XXXX IN XXXX XXXX, TX XXXX OR BUREAUS

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was approved by my insurance company for several XXXX. The XXXX were to be done every 90 days for 1 year. After the XXXX XXXX I inquired on whether the insurance company paid for it, I was told they had. At the XXXX XXXX I inquired again, before the procedure as I had had issues with the provider and insurance company. I was told it was in processes and I was cleared for the next XXXX. 90 days later I return for the XXXX installment and again, checking on the balance, I was told the insurance company had not paid for the XXXX or XXXX procedure fully and I was responsible for a large balance. I cancelled the XXXX XXXX and escalated to the medical provider, XXXX XXXX XXXX, as to why I was not told of the balance. I had not been called, I received no correspondence via email or regular mail. I would not have had the XXXX XXXX had I not been assured things were fine. I was told it was a 'processing issue ' and they could not do anything about it. Even with multiple attempts to remedy the situation, apply for financial assistance and dispute resolution. I then receive a call on XXXX/XXXX/16 when I was n't home ; I return the call today on XXXX/XXXX/16, less than XXXX hours after the call, to be told this debt was now a judgment and I have no remedy. They were taking garnishment action against me and I have no options in the matter. This amount is in excess of {$2000.00} and I do not have the capacity to withstand a garnishment of that magnitude. I was not given the correct information, nor am I allowed to dispute this current action per XXXX XXXX at Merchants XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: KY
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 U.S.C 1681. 
Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. 
15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-12-28
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
I am Power of Attorney for my XXXX XXXX year old Mother. This POA was written by an attorney, signed by my mother, witnessed and notarized on XX/XX/XXXX. On XX/XX/XXXX it was presented to PNC Bank at the XXXX Branch. After being sent to their legal department it was declined and I could not pay any of her bills with the XXXX accounts in question. After talking to numerous bank employees I got nowhere. I have names and dates and even requested to talk to the CEO of PNC Bank. I have a letter stating this from PNC Bank - ( attached ). I do not agree with PNC 's ruling and request your agency to help in this matter. I have printed the XX/XX/XXXX Short Form POA ( attached ). The POA my mother signed On XX/XX/XXXX ( attached ) in XXXX, Il has all the necessary requirements for a legal and binding POA. The XX/XX/XXXX clearly states " Nothing in this Article shall invalidate or bar use by the principal of any other or different form of power of attorney for property. 
I believe our family has done everything correctly and PNC Bank is putting an unnecessary burden on a very ill XXXX year old XXXX woman and her family by not releasing her money to pay her medical bills. Since XXXX she has been in the hospital numerous times, in a XXXX Il nursing and rehab center and is currently home bound under palliative care with 24 hour around the clock professional care. PNC 's suggestion to me was to solve this problem just bring her to the bank and sign a PNC POA and they would have a notary available. 
Thank you in advance for any assistance your agency can give me in regards to this problem. I do not believe my mother should have to sign another POA form for the bank. 
If the bank does not accept legal documents they should let their customers know what is and is not acceptable to them before a family crisis strikes. I have all names, dates and phone numbers of employees of PNC bank that I have spoken to in regards to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I wrote to XXXX and asked them to prove they are the legal owners of the debt. They have not provided anything that proves their ownership. I also asked them that they be removed from my credit report but they continue to report the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TD BANK US HOLDING COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit inquiry was placed on my credit report on XX/XX/2022. I was alerted by XXXX and XXXX XXXX that it appeared. I did not apply for a credit card on that day. 

It was listed under TD Retail Services. It looked like a card for the XXXX stores or another retailer. I pulled this information from their website. My understanding is that this the way that the fraud starts. 

XXXX years ago, I had my information used to apply for Colorado Unemployment even though I do not live in that state. Don't know if there is a connection, but it could be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Company : JPMorgan Chase Bank , N.A . 
Amount : around {$470.00} Date : XXXX On XX/XX/XXXX, when I was trying to send money through XXXX to my friend, XXXX indicated that a problem had occurred and asked me to contact Chase customer service. After contacting Chase customer service, they told me that my account had been closed and they will be reviewed it for ten business days and then send me the check for the remaining balance. I have waited for more than a month, but they never sent me the check and kept saying that my account needed to be under-reviewed by the risk department and the time of reviewing is indefinite. It was totally unfair to me. I don't involve any fraud or suspicious activities ; they just closed my account for no reason. And Chase even did not provide any letter to inform me their action. Since I am an XXXX XXXX  and lost my credit card from my parents, I have been borrowing money from my friends for a month. I urgently need this check from Chase, and I can not wait till XXXX. I will leave the United States on XX/XX/XXXX. And are they going to give me a check after I leave the country? How can I get the money? There's no way Chase will pay for my flight to the United States. This action from JPMorgan Chase Bank is really disappointing and disrupting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America is in the process of closing my account. I have $ XXXX in my checking account that they will not release to me. I 've called the number directed to call and left several messages. No one has responded with any information. I went to the branch and advised to call the XXXX number again. I want my funds released to me

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