BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX I was granted a loan forgiveness from Navient due to being declared XXXX XXXX XXXX XXXX XXXXXXXX. On my credit report there is a negative that wont go away until XXXX. Its like an anchor tied around my neck I cant get my credit score up to where I feel it should be. Ive been a very good boy for years making all my payment s on time but this still keeps me down. If this is forgiveness it comes with a hook. Its the only bad thing on my report. I was well into default when they granted it because I couldnt work when my injuries became too much to bare. So on my credit report it shows as 120 days late and 4 late payments. These days I can barely survive so Im trying to see if I can make this go away. And truly receive forgiveness. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2020 - started receiving phishing emails and spam calls from several entities. I reported each, as well as this particular agency, Sequium Asset Solutions, as spam since I carried no debt, and did not know the company XX/XX/2020 - saw a drop in my credit score ; and a collection action for {$100.00} by Sequium Asst Solutions LLC for a cable company called XXXX XXXX ; I immediately filed disputes with XXXX and XXXX. Did not receive a fraud alert from XXXX, although I registered for fraud alert thru XXXX. I've maintained my cable services through a totally different company for years, never from this company. 
XX/XX/2020 - both reports inaccurately claim the debt as accurate. It is not. My identity was hacked. I do not know the company, never made or authorized any merchandise or service or account from the company. 
I want it rectified and my personal information protected. I do not, and have never had an account with XXXX XXXX. 
I called XXXX but since I could not immediately recall past loans and exact amounts during my XXXX  years of life, they want me to mail copies of my state ID, utility bill, name, SSN, Date of birth email, and phone numbers to a PO Box . I fear my identity was hacked, and better judgment dictates I do not put physical copies of every piece of personal identification in the mail. 
I need this rectified now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
TransUnion has not investigated the following account. " XXXX XXXX XXXX '' I sent a dispute letter to transunion back in XX/XX/2020 As of today XX/XX/2020 I have yet to receive notification of dispute. A violation of FCRA rules section 1681.

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 2023-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Accounts Portfolio Recovery Associates Claim I Owe : # XXXX # XXXX I have been engaged in an exhaustive dispute with Portfolio Recovery Associates since XX/XX/XXXX regarding the accounts Portfolio Recovery Associates asserts I owe. With each dispute, I have consistently requested detailed information pertaining to my alleged connection to these debts. Regrettably, the insubstantial and inadequate information provided thus far has failed to establish the validity of the debts Portfolio Recovery Associates claims are mine. Consequently, I emphatically dispute the authenticity of all the debts Portfolio Recovery Associates has asserted. 

It is distressing to note that Portfolio Recovery Associates has repeatedly reported false and inaccurate information in addition to the absence of compelling evidence. This deliberate violation not only breaches the requirements of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) but also disregards the obligations outlined by the XXXX XXXX  requirements and the Truth in Lending Act ( TILA ). 

On Saturday, XX/XX/XXXX, I dispatched a letter via USPS Certified Mail explicitly refusing to make any payments towards the alleged debts. Moreover, I declared the closure of all associated accounts and demanded an immediate cessation of all communication unless it is solely for the purpose of confirming the closure of the accounts Portfolio Recovery Associates claim I owe. 

Due to the inability to verify the authenticity of these accounts based on the documents received thus far, I firmly believe that they may be the result of identity theft or mixed files. This deeply concerns me and further underscores the gravity of this situation.

As a reference, I have attached a copy of the aforementioned letter and the USPS Certified Mail tracking information : Tracking # XXXX. 

It is imperative that Portfolio Recovery Associates comprehend the extent of my frustration and dissatisfaction with the violations that have occurred. I insist that Portfolio Recovery Associates rectify this matter with utmost urgency, and adhere to the laws governing credit reporting and debt collection practices. Failure to comply with these legal and ethical obligations may lead to further action to protect my rights and seek appropriate remedies. 

I expect prompt attention to this matter and anticipate a swift resolution. Please acknowledge the receipt of this letter and communicate the proposed course of action within a reasonable timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020 money was supposed to be deposited from the XXXX  XXXX company. the company deposited my sales into the wrong checking account. the bank did not return the funds to the XXXX  per a conversation with the bank manager XXXX of XXXX  illinois. Phone conversations time stamped and recorded back up this statement. 
As of XXXX XXXX  XXXX Funds have not been located after 7 hours of being put on hold and lied to by BMO harris bank. the negligence of stripe and BMO Harris is unacceptable. 
The amount of XXXX has been Hijacked by each company for over a day in which the funds are not lost but being misused. 
XXXX will not issue a manager to resolve the issue I have spoken to an XXXX, XXXX XXXX, and one other party that would not give his name. 
XXXX the manager at BMO Harris has mishandled the funds. Stating on his recorded line that his bank returned money that was sent to the wrong account. He has the trace Id number the same as stripe and refuses to conform to the returning of funds.

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 2023-05-28
Company: SANTANDER HOLDINGS USA, INC.
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I very recently bought a car at XXXX XXXX in XXXX  around XX/XX/XXXX. I was financed through Santander Bank. I bought the car had everything signed and payed. It was 3 weeks later that I called XXXX XXXX to see why I haven't gotten any way to pay off the bank bills. I was told by XXXX XXXX that I would have to come in for more paperwork. I was told Santander was raising my payment by XXXX dollars a month and given no way to make payments. I live in XXXX  XXXX NM more than 3 hours away. And was just returning from a weeks long funeral service which I am required to return to for my grandfather 's internment. The day has not been set and I am on standbye using my days off work to go to appointments for a XXXX. Ive made 2 separate attempts to contact Santander and have not been able to get any in person help on the line. I have had 0 opportunity to go back to XXXX  to pay Santander after raising my rates suspiciously. And now my credit score is tanking ive only had a week and 0 opportunity. I have made every attempt to question XXXX XXXX and attempt to communicate with Santander. To pay off my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Wells Fargo put forced placed insurance on my home in the amount of {$1700.00}. 
On XX/XX/XXXX Wells Fargo partially refunded my account after I provided proof of insurance. 
They refunded {$1000.00} on XX/XX/XXXX. 
On XX/XX/XXXX Wells Fargo fully refunded my account after a barrage of phone calls by me. 
They refunded {$490.00} on XX/XX/XXXX. 
On XX/XX/XXXX I requested Wells Fargo update my final payment statement to reflect these changes. 
On XX/XX/XXXX I called Wells Fargo re-requesting an updated final payment statement. 
During that conversation a Wells Fargo representative assured me that the final payment statement would be completed by XX/XX/XXXX and that the amount of my final payment would be reflected on my account at the Wells Fargo website. 
It is now XX/XX/XXXX and Wells Fargo has not updated my account to reflect the refunds they have issued. 
As of XX/XX/XXXX Wells Fargo shows my final payment as {$2000.00}. My final payment should be {$1000.00}.

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 explanation
Consumer complaint received 2019-08-29
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Earlier this year ( XXXX ) my mortgage servicing was taken over by Specialized Loan Servicing, for a condo ( co-op ) that I bought in XX/XX/XXXX ( XXXX XXXX XXXX XXXX-XXXX   in XXXX, CT ). Since the start of my mortgage with XXXX XXXX XXXX XXXX in XXXX, my mortgage payment had been {$260.00} plus my monthly co-op common charges which have ranged from {$460.00} - {$82.00} ( currently ). These common charges include premium for insurance coverage for the condo. 

On XX/XX/XXXX, I received a letter from Specialized Loan Servicing ( " SLS '' ) letting me know that my mortgage payment would now be increasing due to delinquent insurance bills since SLS " made an advance '' on my behalf for Homeowner 's Insurance. Keep in mind, that I have insurance on the condo through a master policy for the co-op condo. 

subsequent to that letter I have called SLS ( 4-5 times ) asking why is my mortgage, after 2 years, having forced-placed insurance when I already have insurance coverage through the master policy in the co-op. 

Furthermore, after 2 of the 4-5 calls, I uploaded the master policy documents ( from the co-op insurance coverage ) onto the SLS website to confirm that I already have insurance coverage. 

After those 2 times of providing my insurance information, I have asked to please call me to confirm that my information is sufficient. I have not received a call back to date. During those calls I also asked the individual on the phone to provide me with a document showing that I am required to have this additional insurance coverage ( condo rental insurance coverage ), which is beyond the coverage provided in the master policy for the co-op. 

After waiting for the documents to arrive - showing me proof that I am supposed to have this insurance coverage - I called SLS again asking when the documents will be arriving to resolve this issue. the person on the phone stated that the documents will be arriving soon ... they never arrived. 

Yesterday, I received yet another call from SLS 's collection department stating that I have delinquent payments. 

Bottom line is I already have insurance coverage through the master policy in the co-op, and SLS has not provided me with any proof of why I need to buy additional coverage, however, SLS keeps saying I owe for the premium on this coverage that I never agreed to. I have NEVER missed a mortgage payment on this condo, but I continue to get harassing calls on the insurance coverage that has not been explained nor have I received a document showing that I have to have this additional coverage. And again, I have owned the condo for 2 years, yet SLS, since they took over earlier this year, is now saying I need to buy additional coverage.

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 2023-07-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: TX
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 USC 1681.

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 1681c. ( 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 to any 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 2022-03-10
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2020-12-12
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Atm withdrawal of XXXXdollars on XXXX XXXX,2020 .XXXX XXXX california.never replace.XXXX XXXX2020.direct express debit card.master card.stolen my social security money.XXXX  and XXXX  XXXX dollars.from me XXXXchange phone message.can not use pin number.this wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: CA
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 USC 1681 Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : 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 an account without my written instructions.

15 U.S.C 1681c. ( 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 to any 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 2023-05-28
Company: Affirm Holdings, 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: Reporting company used your report improperly

Complaint:
XXXX is reporting that an account was opened on XXXX XXXX XXXX  with Affirm with the balance of XXXX. This account was marked as a charge off then changed to potentially negative and unsecured. 
I have call Affirm and XXXX  to let them know that this was fraud. I made reports with them, filed a police report and after a couple of weeks and nothing was done. 
I am in despite need of completely removing this fraudulent account with affirm from my credit report because it is effecting my financial life. Somebody please help me thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting 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 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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 1681c. ( 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 to any 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 2023-05-28
Company: MoneyLion Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Their frauding me by not allowing me in my account, when I call, they hang up in my face and avoid me. I told them some 1 stole my phone so they can change my login and their refusing to help 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
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: VA
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:
I submitted an online dispute to have a paid and closed account removed from my credit report. Instead, Equifax reporting the account as recently paid upon as though it was closed recently when it was closed in 2014. The began reporting all of the payment history again and as a result my credit score dropped 20 pts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: DISCOVER BANK
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The escrow portion of my loan was written up incorrectly, as my property taxes are paid quarterly and this information was given to the underwriter several times. Yet the loan was set up to pay the property taxes annually. The county tax collector 's office told me that any checks received for my property tax after XX/XX/2023 will not be accepted and mailed back. So I am now paying out-of-pocket for the property tax and making escrow payments for something Discover Home Loans is not paying. I have called several times over the last two months. No one has helped and my formal request to remove the escrow was denied. They refuse to rewrite the loan or put the funds back that were returned to them from the county tax collector. They tell me to refinance with someone else to fix this myself, but that I will have to pay them a fee in order to do so. I am happy to provide documentation if you are able to help address this.

Company response to consumer: Closed with explanation