BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-19
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed bankruptcy chapter XXXX in XX/XX/2016 - at the time of filing a tax lien showed up out of no where.. I received no bills or documentation about this debt. i contact the credit reporting agency for info. they referred me to XXXX XXXX XXXX XXXX XXXX in XXXX -stated the phone number to contact the original creditor was XXXX. I requested a dispute .the credit reporting agency Equifax stated the information was verified. i went on to contact the creditor myself, at the number listed on my credit report, talked to multiple people they stated they do n't handle taxes at the number XXXX -and could n't understand how the credit reporting agency was passing out their number for such taxes. according to the FCRP they must provide correct contact information for the creditor which they have not which is a violation. additionally the creditor did n't provide any validation notice ( XXXX dunnying notice ) to all me to validate the debt prior to credit reporting. i have contacted them .but only can talk to collections department which act like pit bulls. Stating I know I owe the money and pay. they are not above the law because they are state agency .they have since added another tax debt mind you I did n't get a notice for this one either. showing recorded XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX in XXXX {$260.00} phone number XXXX .. which they also state tax. they are again reporting incorrect information for the creditor which means there is n't any way to verify the debt w/ the creditor. how is the data finisher verifying these debts if the information listed on my credit reporting is incorrect please verify. i have disputed these items multiple times which have never been verified because the contact information is incorrect.. the credit reporting agency is could n't verify the debt w/ the wrong contact information listed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Navient Solutions, LLC.
State: MA
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:
Navient applies payments made to contested fees first so that each month they send notices that I am past due. I am submitting the minimal payment and have contested the fees they have assessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient really secured me. A/K.A XXXX XXXX. I went from borrowing from what I was told to getting a loan amount after graduating and following there rules to {$130000.00} in my Federal Loans. They were charging me every month {$1800.00} and at the end of the year all I paid was nothing off the principal balance it was to pay interest. They changed my rate when I had it fixed to variable which I never agreed too. I asked them to please help me and I'll make payments but to lower the interest and payment cause I only make {$40000.00} annually. Also, they didn't care I had Private loans of {$23000.00} which they overcharged me all my loans and lied to me and I tried to explain to them what I signed but they didn't care. They just kept charging me over and over and all they did was to take my money and I have been struggling financial hardship. How can they get away with this. Navient charging me over interest throughout the year. I was lied or not told what my loan was about and when I asked them to explain customer service didn't care and didn't even want to work for me. I do my best to make payments but I had to deferred or forbeaurance cause I couldn't make there payments. As for Income repayment plan they don't take into account the amount of bills I have to pay and for my Private loans they told me can't do anything and you need us to pay us if not bad credit and than I would get even more hurt by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: HYUNDAI CAPITAL AMERICA
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new XXXXXX/XX/XXXXXXXX XXXX at XXXX XXXX XXXX Oregon location with my spouse in the month of XXXX, XXXX. At as the time of purchased we legally signed a contract that stated customer Acknowledgement letter XXXX No Payment for up to 5 months .This is interpreted to Hyundai finance deferring my payment for 3 months, No Payment for 3 months, and Hyundais finance going to credit and pay car finance account up to {$1.00}, XXXX. The {$1000.00} would cover the car payment for the duration of XXXX subsequent months. The contract is for 72 months at the rate of {$480.00}. So technically, we not suppose to make any car payment until the month of XXXX. 

As at today, XX/XX/XXXX my account is still showing outstanding payment, which prove that Hyundai finance are not holding to their part agreement and signed contract. The payment due date is XX/XX/XXXX. I have contacted hyundai finance and XXXX XXXX dealership several times, while they keep pushing me around with different excuses at every single time. 

I would appreciate if this is throughly investigated and adequately ask Hyundai finance to hold to the end of their proposed deal. This have caused emotional trauma for me and my spouse.

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 2022-08-18
Company: Experian Information Solutions Inc.
State: MS
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 is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1900.00}

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 2022-02-25
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello my name is XXXX XXXX. Over the last 6 months I have applied for a checking and savings account both personal and business, and I have been denied for no real reason. Everytime I've been denied it's due to some incorrect data being reported by XXXX or XXXX  XXXX  XXXX XXXX. 
I have reviewed all three credit reports and literally nothing is on any report period with regard to a financial institution. I do not have any delinquent accounts. 
Next I can not even get a business account with my EIN or UBI number. 
The company is spotless and has enough assets to qualify for an institutional client at a private bank yet I can not find a place to store my money or conduct buisness. 

Against privacy policies my internet is logged, my ip address is stored at various financial institutions, as well as all of my like my address or email info and especially my SSN. 
I am being treated like I am a criminal or a terrorist, who is being scrutinized watch and monitored. This is all but breaching my civil liberties. I have not consented to any treatment or information sharing. 
Yet that is the only explanation for the inability for me to open any sort of account. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX checking XXXX XXXX XXXX I can go on. I have been denied from every major or otherwise financial banking institution, and I owe no bank. 



This is wrong and highly questionable.

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 2021-03-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Did an adjustable mortgage in XX/XX/XXXX with XXXX XXXX XXXX XXXX who apparently wasnt licensed at the time to do business. They were not licensed until XX/XX/XXXX 5 months later. ( without my knowledge ) IN XXXX i refinanced with XXXX which should have paid off XXXX XXXX XXXX XXXX ( Until a few years ago I assumed they had been paid ) However apparently XXXX went out of business and never paid off XXXX XXXXt. XXXX seems to tell me they bought lenders direct loans that XXXX was apparently servicing. ( I dont believe that chase bought lenders direct mortgages at all ) even though my mortgage was with XXXX only because of my refinancing. XXXX was fined for trying to say they bought XXXX loans in XXXX. I dont have my HUD records as they were destroyed in a flood at my home. Now XXXX keeps telling me they were only the servicer and XXXX XXXX was the owner of the XXXX XXXX XXXX. Is there a way to find out who really bought XXXX XXXX XXXX XXXX loans even though my loan was done fraudulently without a mortgage license. Im tryng to get to the bottom of this fraudulent mortgage fiasco.

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 2022-02-25
Company: HYUNDAI CAPITAL AMERICA
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: Old information reappears or never goes away

Complaint:
On XX/XX/2020 I visited Kia Motors to lease a new car as my previous lease was about to expire. I learned that the sales manager submitted XXXX credit checks on the same day. 
This has had a negative impact on my credit rating.

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 2021-01-05
Company: CITIBANK, N.A.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was supposed to close on a real estate transaction. I called Citibank to see if I could initiate the wire transfer for my down payment over the phone. Given the size of the downpayment, it did not seem likely it would go through online. I was told that there was no way to do this on the phone, but that I would have to use their app. 

Per their guidance, I submitted the transfer for $ XXXX dollars on the app. I then left my phone for a moment, and when I returned, I had missed a call from Citibank 's fraud department. The messaged asked me to contact their fraud department to confirm the authenticity of the transaction. 

I attempted to call back the number they provided - to no avail. I would sit on hold for 15 minutes, then the line would cut off, and I would have to call all over again and sit in line. I tried any and every number I could find ; but all of them ended in this dead end of a long hold time that would eventually just terminate.

After THREE HOURS of holding, re-dialing, holding again, etc, I was finally able to get through to someone, who then informed me the wire transfer had been canceled, and I would have to start over again. 

So, I started the wire transfer process again. I received no phone call from them to verify or confirm. It has been six hours since I initiated the 2nd transfer. The hundreds of thousands of dollars have left my account, but are in a " hold ''. I called again and when I finally got in touch with someone, they told me it was under review, and there was nothing they could do. 24-48 hours. 

It is likely that I will now miss my closing date because of the neglect of Citibank. I lost my entire work day sitting on hold. I still have no idea what is happening with my funds, and there is NO ONE to talk to. This is paramount to fraud, and I intend on closing my account as soon as I can get this sorted out.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$6600.00} XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$3600.00}

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 2022-02-25
Company: PENTAGON FEDERAL CREDIT UNION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently tried to deposit a check in the amount of {$23000.00}, however Pentagon Federal Credit Union ( on XXXX seperate occasions ) refused to deposit the funds into my checking account as requested. I can only assume employees at this bank chose to do this simply because I'm 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 2016-05-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
On XXXX/XXXX/2016 I contacted Equifax because the verification information they provide to IRS was incorrect. I needed to request my IRS tax transcripts and it asks me to verify my telephone number. I learned through the phone call and pulling my credit report that Equifax has/had no phone contact information listed for me. They also had no employment history even though I have worked for the last 17 years. I was able to provide an update for my employment history, but not my phone contact. Please note upon pulling my report during the call using the Equifax website, XXXX and XXXX have all of my current information. I was informed by several representatives that in order for phone/contact information to be added I had to contact my creditors and they would have to correct the information. I asked which creditors could up date this because it appeared that of my XXXX or so creditors, none of them reported anything about me in the last 17 years.The rep stated that all of them could. I asked for equifax 's contact number so that the creditors who could do this I could provide them with contact information ; I was informed that they have the information needed to correct this information.Additionally I was told that I would have to place a fraud alert in order to put a phone number on my credit account and fraud alerts only lasts 30 days. I called XXXX XXXX, XXXX credit, and XXXX XXXX. All XXXX informed me that they report the same information across all credit bureaus every 30 days which includes my employment history and contact information. Each creditor stated that do n't call the credit bureaus directly, that everything is done through the system. They each verified that my phone number, address and employment was up to date and was submitted to Equifax as late as XXXX/XXXX/2016 in one instance. XXXX XXXX made an exception and resubmitted to Equifax XXXX/XXXX/16. I called Equifax back with XXXX XXXX on the phone and was informed informed that there are no alternatives. I asked if there was someone there with technical expertise because it seems impossible that no one submitted any information to the credit bureau. I asked if maybe there was something that is not getting loaded properly, and I also asked for a supervisor at that point the representative hung up the phone. I also attempted to dispute names that I never used and was n't able to do that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: ND
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  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$23000.00}

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 2016-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Arbitration

Complaint:
On XX/XX/2016 I paid with my Bank Of America credit card ending in XXXX a down payment for a car to XXXX XXXX NY XXXX I had that car on lease and was trying to purchase the same car, the car was repossessed a day before on XX/XX/2016, they give me a sales contract for that particular car but they never delivered the car to me I cancelled the transaction after waiting 20 days for the car and the dealer never give me the car, I cancelled the credit card transaction and now I got a letter from the credit Card dated on XXXX saying that there is no documentation to support that we did not received the car I already purchased another car somewhere else, I do not think that I have to paid for a scam and a breach of a contract

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 2020-03-12
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
My complaint is with Advanced Financial 24/7 of XXXX TN. I've been doing business with them for awhile. I've been paying them and recently made a payment on XX/XX/2020. As of our agreement every two weeks and I've been faithful. But here this last couple months it's been nothing but harrassment. It's a constant stream of phone calls starting at XXXX to as late as XXXX every single day at my home, my job, even my wife! I had paid and paid and they still call saying I'm not making payments at all!!! My bank has all the proof that I am paying and Advance says I'm not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Ascendium Education Group
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan was paid off XX/XX/2019 to an agreed amount negotiated between my lawyer and XXXX XXXX XXXX, XXXX and a letter of satisfaction was sent to me and my lawyer on XX/XX/2019. However, Ascendium is still attempting to collect for the same debt. After repeated attempts by my lawyer, Ascendium has not provided us with the requested documentation and has even stopped replying to our letters and emails. They also have filed to intercept my tax return.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation