BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-02
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
A few months ago I was informed by both XXXX and Navient that Navient is purchasing my 2 private student loans from XXXX. I was told that this would occur in XX/XX/XXXX with my first Navient payment being due XX/XX/XXXX. I was enrolled in automatic payments with XXXX. When my loans transferred to Naivent, so did my automatic payments and bank information ( without my approval or knowledge ). 

On XX/XX/XXXX Naivent emailed me to remind me that my payments of {$180.00} and {$160.00} are due on XX/XX/XXXX but I never received any kind of billing statement via mail or email. The email states " ... here 's a friendly reminder that your Monthly Payment is due soon. This is not a bill. '' There was a link to my account inbox where my loan statements should be but when I log in it simply says " No Correspondence History is Available to View '' in red letters. 

On XX/XX/XXXX Naivent automatically took the payments of {$180.00} and {$160.00} out of my bank account account without ever issuing any kind of statement. 

On XX/XX/XXXX I called Navient and spoke with a customer service representative who informed me that since my loans were newly transferred, my information was still being loaded into the system and that it takes time. He told me to call back after XX/XX/XXXX and all my statements and information will be online. 

On XX/XX/XXXX I received another email from Navient reminding me that my monthly payments of {$180.00} and {$160.00} are due XX/XX/XXXX. This email looked exactly like the last email stating " ... here 's a friendly reminder that your Monthly Payment is due soon. This is not a bill. '' I then logged onto my Navient account to download my statements for this upcoming due date and again, there was a notice in the inbox that said in red letters " No Correspondence History is Available to View ''. I called Navient customer service a second time and asked when I will be getting a billing statement and how I will get it. I was told that it will be coming via US Mail and that the paper statements are mailed the same day that the reminder email goes out and that it will be arriving in a few days. She could not tell me when/if my statements would be posted online. 

On XX/XX/XXXX I still have not gotten any kind of billing statement through the mail or electronically. The inbox in my online account still says " No Correspondence History is Available to View ''. My autopay is still set up and ready to be processed for the due date on XX/XX/XXXX but I still do not have access to any billing statements, their office is closed and there is no way to put in a request for service via their customer service line or online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See letters attached

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 2022-04-18
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice of property tax adjustment that adjusted my taxes lower from the amount that was quoted last year, XXXX. The property tax bill was $ XXXX dollars overall, but the company paid only {$2000.00}. This is because the company only paid half the summer tax payment that was due. The adjustment sent the tax bill lower because I am a owner-occupant that should've received a lower tax rate than the last homeowner, an LLC business. The city sent a tax adjustment letter showing the new tax bill of {$3000.00}, with {$1000.00} still owing, possibly reflecting interest charges. 

I am now severely short on my escrow account because the company recently sent me a check for {$1100.00} because they miscalculated my taxes. I worry I will be short again for XXXX taxes due this summer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Received a Hard Inquiry of my Credit when I have not applied for credit. It was on XX/XX/2022 from a XXXX XXXX XXXX. I have not applied for any credit and can't understand how a hard inquiry was completed.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX I XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$36000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$38000.00} ; XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/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 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my grave concern regarding the inaccurate information that continues to be reported on my credit report, despite my previous dispute attempts. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incorrect, and it is your legal obligation to respond within 30 days to my disputes. Regrettably, your agency has failed to respond not once, but twice, to my previous disputes. 
My previous dispute letters outlined the specific inaccuracies on my credit report and requested that you investigate and rectify them. To my astonishment, I have received no response, acknowledgment, or action from your bureau regarding these disputes. 
I want to draw your attention to the provisions of 15 U.S.C. 1681i Paragraph ( 5 ), which clearly states that if any information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall promptly delete that information. It is disheartening that your agency has not adhered to this legal requirement. 
I insist on the immediate removal of the inaccurate information from my credit report, as mandated by the FCRA. The inaccurate information in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX - the information that you are reporting is not accurate- you have failed to investigate my inital requests- you have failed to respond to my inital requests This information needs to be DELETED immediately Failure to promptly rectify this situation will leave me with no choice but to pursue legal remedies and file a formal complaint with the appropriate regulatory authorities. I am prepared to take any necessary action to ensure that my rights under the FCRA are upheld and that my credit report accurately reflects my financial history. 
I expect a written response from your bureau within 15 days of receiving this letter, confirming the removal of the disputed inaccuracies. It is your legal responsibility to promptly address this matter and comply with the FCRA. 
I trust that you will take this matter seriously and resolve it promptly to avoid any further legal actions. 

Sincerely, 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 2023-12-07
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
The company is not report the amount the of the account correct the acc had gap insurance and the balance reported is not reflecting the gap insurance and warranty cancelation

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 2022-12-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i was offered a Loan Modification after the covid forbearance period was over. the mortgage servicer took over a month to mail me the paperwork they needed me to sign. i had to call them two more time and ask them to send it to me again. after receiving the documents, i signed them and mailed them back the next day. because of the month delay, the time period given to submit the documents was now severly shortened to 12 days ( including weekends ). the mortgage company sent the documents via USPS and advised me to send the documents back via USPS. now i have been advised that the documents have not arrived and their modification offer has expired. meanwhile i have made the payments that the mortgage servicer has asked me to pay including the new modified mortgage amount. every time i call to speak to the person who is assigned to my loan, He/she is never available and i am passed along to someone who does not know anything about my account and they provide poor and incorrect information. i just want to have this situation resolved. i am dealing with SP servicing mortgage. Their communication is extremely poor and the fact that they rely on the postal service to get important documents to their customer during the holiday season is a poor choice of business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: WI
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:
Equifax was informed of dispute with XXXX  credit card balance and was not resolved. I currently have open complaint about that company with the CFPB and I'm including proof of balance being XXXX... there was a glitch on the computer system for XXXX  and they reported an over limit balance of XXXX. 

Copy of this is being sent to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my deep frustration and annoyance with the continued presence of fraudulent accounts on my credit report. Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXX XXXX XXXX- PLEASE DELETE!!! 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!!! 
I can not emphasize enough the urgency of this matter. It has been years already since I first reported these fraudulent accounts to your bureau, and yet they continue to tarnish my credit history, causing me financial and emotional distress. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all these efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.

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 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act ; XXXX Account # XXXX, XXXX XXXX  Account # XXXX, DEPTEDXXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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 2022-12-28
Company: EQUIFAX, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Harley Davidson Financial Services Inc
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
When I applied for this loan with Harley-Davidson, I had a street address and a PO Box on my application. The dealer that I bought the motorcycle from used my PO Box , but it appears Harley Davidson only received my street address. They generated the first two statements for my loan for XX/XX/2018 and XX/XX/2018, and when the statements were Returned to Sender due to mail service not being available at my street address, Harley Davidson not only discontinued mailing paper statements, they didn't produce any statement at all. And they didn't call me to sort it out. Their policy is to simply stop generating statement. So if I wanted to call and get a copy of my statement from XX/XX/2018, I couldn't. They said the only thing they can provide me is my payment history. 

How can a company that has open lines of credit with people discontinue generation of statements? Is that not part of some reporting law? I never bothered to check until now because I figured I was paperless, like I always am, and thought for sure anything I needed would be available online through the account that I registered for at the beginning of my loan. But they said that I don't have access to any statements from XX/XX/2018 to now. My next statement will generate with the next billing statement. 

I just don't feel that this is right. The only thing I can see is the history of the lump sum payments I've sent them. I've requested a hard copy of my payment history be mailed to me because the rep on the phone today indicated that it will break down what was applied to principal and what was applied to interest, but why wouldn't I be able to see that through my online account? This just seems nuts so I wanted to reach out to confirm if Harley Davidson Financial Services needs to change their ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2023 I contacted Experian by phone to get a single use PIN to allow someone to run a credit check on my frozen account. They said it could not be done at that time because of a problem in their system. They said to call back in an hour or more. I called a second time but was unable to ever reach a live human being. The system refused to connect me to a person that could understand what I wanted and the automated system was not able to help me either. Experian needs to change their automated system so callers can reach human beings when the automated system is not effective.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Pursuant to 18 USC ( 8 ) I owe no debt this company is violating my consumer right to privacy pursuant to is 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1681A ( 2 ) ( a ) ( I ) Late payment Account # XXXX XXXX XXXX XXXX XXXX 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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2018-05-02
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
The collector is from a Zales credit card. On XX/XX/XXXX. XXXX XXXX (? ) said a matter has been escalated to his desk and hed like to have the matter resolved. His number is XXXX, extension XXXX. Hes there until XXXX XXXX. This message and another one was left on my fathers landline phone. Again on those people called again on XX/XX/XXXX, at XXXX XXXX. I just listened to the voicemail. They have also called my mother on at least three different occasions. My parents are elderly and this type of harassment is unhealthy.

Company response to consumer: Closed with non-monetary relief