BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
Company: Southwest Mediation Service
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year I started receiving magazine subscriptions. I thought it was strange as I had definitely not ordered these but they had my name on them. I did not receive a bill or any communication as to why I was receiving these magazines so I didn't worry about it. Then I received a phone call today from Southwest Mediation Services. They informed me that they were calling on behalf of XXXX XXXX. XXXX XXXX stated that I was in breach of contract, that I had received goods and services ( the magazines ) had not paid for them and that I was now in breach of contract in excess of {$1000.00}. I stated that had never ordered these magazines or agreed to pay for them. The mediation company stated that the 'proof ' was of a recoding of me agreeing verbally to this contract through a phone call from XXXX XXXX. I did not receive this phone call or agree to these terms and they could not provide this 'proof ' over the phone and were only calling in attempt to collect on this debt. I refused to interact further and ended the conversation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: BANCO POPULAR DE PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Interest rate

Complaint:
This loan was made under the Puerto Rico law # 124 10 DEC 1993XXXX 
The low interest condition was agreed under the condition that we have to live in the house for 6 years to avoid any penalties or change on interest rates, the interest rate was around 4 % ; they increased to more than 7 %. 
The closing date for the loan was XXXX XX/XX/XXXX. 
I move to Florida XXXX XX/XX/XXXX. I am submitting all the paperwork that prove that I live more than the time they required ( sorry some documents are in XXXX ). 
There ' ; s the house closing documents, my XXXX that shows when I started in my job at XXXX XXXX XXXX XXXX XXXX. 
Title study that shows that the agreement was 6 years. 
They being charging higher inerest and making more money out of that loan illegally. 
I provided all documentation and they refuse to fixthe issue. 
As a Veteran and a XXXX that serve this country I ask for help, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 89 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2017-05-05
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am currently in an active Chapter XXXX Bankruptcy and current both the plan payments and my mortgage. My homeowner insurance premium changed drastically ( for the better ) last year and my monthly escrow payment never changed. I never received my 2016 escrow analysis and have requested this several times ( as has my legal counsel ) from my servicer ( Nationstar Mortgage, LLC ) by phone. I am mailing them a letter to request this again and copying my bankruptcy attorney. What can I do? I know my escrow payment is much higher than it should be but I can not get the servicer to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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: Credit inquiries on your report that you don't recognize

Complaint:
I do not give permission to Experian to place the inquiry for XXXX on XX/XX/2023 and and asked them to remove their credit inquiry from my credit profile. I also asked them to ease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

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 2020-12-30
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had taken out a personal loan and have gotten into a financial hardship due to my roommate losing her job due to Covid and not able to pay her part of the bills. I have let them know that I have falling into the hardship and working on trying to get them paid but right now I cant. I have received several phone calls at my job. I have asked them more than once not to call me at my job as we are not allowed to receive any type of personal calls. I have asked XXXX the manager to quit calling me at my job and she has continued to call me at job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items on my consumer credit report I dont recognize. I XXXX XXXX did not open these accounts, therefore they are fraudulent accounts. I dont a contract with any of these companies. I would like an investigation conducted, and these accounts deleted from my consumer credit report as soon as possible. 

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 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts below are fraudulent, and would like them deleted immediately from my credit report. 

XXXX : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} XXXX  : Account Number XXXX open date inconsistent Amount : {$8000.00} XXXX  : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent Navy Federal CR Union : Account number : XXXX  open date inconsistent and or duplicate account. 
Navy Federal CU : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX XXXX XXXX XXXX  Account number : XXXX inconsistent. Not mine, do not have a contract with them. 


I also have XXXX different social security numbers being reported on my XXXX report which is impossible. My social security number ends XXXX XXXX, but you have it has XXXX XXXX XXXX XXXX which suggests these accounts may belong to whoever social security number ends in XXXX. The dates these accounts are reporting to have been open are inconsistent. The amounts are inconsistent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This issue is based on an escrow refund from my county tax office. Our mortgage was transferred to a new servicer in XX/XX/XXXX. 
The old company Greentree which is now Ditech received an overpayment of XXXX, for the tax year of XXXX. The check date is XX/XX/XXXX. I have been going round and round with them about this issue. This has been going on for about 45 days. I just found out the check cleared on XX/XX/XXXX. They havent released the funds. Everytime you call it is a different story. Their personnel are very incompetent. In the meantime we are expecting three more refunds from prior years which means we will encounter the same issue. These refunds are based on exemptions we were due that we were not getting because we had not filed the necessary documentation. This is based on the age XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/2023 I paid off the remaining balance on my car loan one payment through debit card for {$820.00} and another payment through money gram for {$1900.00} the account was paid off in full due to the agreement me and Westlake had. Since XXXX I have been asking for the lien release letter and keep getting told something different every time I call and ask about it. I have asked to speak to a supervisor multiple times and one is never available. Since XXXX I have been calling and requesting the letter and nothing has happened today XX/XX/2023 I have did a lien title check with the DMV and the lien is still on the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Avant Holding Company, Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
APROXIMATELY XX/XX/2023, I WAS OFFERED A PAYMENT PLAN VIA CUSTOMER SERVICE ON THE PHONE. PAYMENT STARTED ON THE XXXX AND CONTINUED ON FOR THE NEXT 2 MONTHS. THE FIRST PAYMENT WAS AROUND {$76.00}, I MAY AN INITIAL PAYMENT OF {$100.00} ON XX/XX/2023, WITH MY BANK CARD VIA ONLINE CUSTOMER SERVICE.THE PAYMENT DID NOT PROCESS UNTIL THE NEXT DAY AND THE PAYMENT PLAN WAS CANCELLED. I HAVE CALLED AVANT SEVERAL TIMES OVER THE PAST 4 MONTHS AND NOTHING HAS BEEN DONE. THEY HAVE ESCALATED THE SITUTION OVER 3 TIMES AND ULTIMATELY, THEY ENDED UP CLOSING THE TICKET EACH TIME, GIVING ME EXCUSE AFTER EXCUSE. THE REASON GIVEN THAT THE PAYMENT PLAN WAS CANCELLED WAS DUE TO THE DIFFERENT TIME ZONES, BUT THE CUSTOMER SERVICE MAY HAVE KNEW THIS, AND SHOULD HAVE SET THE ARRANGEMENT FOR THE FOLLOWING DAY. I have been trying to resolve this issue even after the initial complaint, and Ive gotten nowhere everyone I speak to you over at the company, keeps repeating the same thing over and over and over again. Nothing has been done even though it was technically their fault

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I attended XXXX XXXX XXXX, while being a student there i feel i was forced into Private Loans at rates above 13 %. I have had employment struggles on and off ever sense i graduated in 2007. XXXX promised me that i could always get help with the lender as long as i talked to them. That Private and Federal Loans can always be put in Forbearance. Well years later and now major credit issues. My Navient Private Loans went default. During all this time and struggles i payed and caught back up when i got work, then behind when i didnt work, trying my hardest to stay current. During these last few months, talking to case workers and then managers. I find out that they could have helped me more, this is there words, but they have to wait till i am days away from loans going into Default. If they would have helped me like i thought they should, being student loans by the Gov i could have keep up with my loans better. I know that i would not be were im at right now if they would have offered me the same programs to help repayment, that they offered at the very end. Always telling me if you cant pay the whole amount, then you cant pay at all. It was all or none with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account number XXXX has violated my rights Account name XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX XXXX. 

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 non-monetary relief
Consumer complaint received 2018-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2018, I received a letter dated XX/XX/2018 from Bank of America " advising '' me that my credit card account ending in ... XXXXhas been closed because my " risk profile no longer aligns with the bank 's tolerance risk ''. As a result, all my " REWARD POINTS associated with this account they'll will be forfeited " Although i handled all my accounts with BofA ( checking and credit cards, personal and business, in an EXCELLENT manner, what is most unfair if not unjust and possibly illegal, is the forfeiture of XXXX reward points, valued at between {$12000.00} and {$18000.00} that I EARNED over a period of time ( by using their cards extensively, helping the bank make profits and myself EARN my rewards ). I let them accumulate so that my wife and I, now in our late XXXX 's age wise, can use later in life. 

Although upset that arbitrarily and for no justifiable reason the bank closed my accounts, I am demanding and expect to be allowed to redeem the points I earned by using the card ( by which use obviously the bank benefited enough to award me almost 2 million points over time )

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 2023-10-19
Company: EQUIFAX, INC.
State: TX
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
FCRA and FDCPA Consumer Protection Laws prevent balances on authorized users accounts to be reported to the authorized users credit profiles if they did not make the charges. I dont even have the cards activated, they are in a safe and I never use them because these accounts are for credit building. 

The balances reported on my credit file for the following accounts should be updated to XXXX  balance immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for following the law

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 2018-11-29
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: Account status incorrect

Complaint:
EXPERIAN REFUSE TO UPDATE THE PAID ACCOUNT AS PAID EVEN WITH PROOF We have opened your Account Dispute The dispute for the account with XXXX/XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

Alert Details Alert Date XX/XX/XXXX Source Experian Date Submitted XX/XX/XXXX Estimated Resolution Date XX/XX/XXXX Report Number XXXX Account Number XXXX Company XXXX/XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms 6 Months Responsibility Individual Your Statement - Comments Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX FP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FP XXXX On Time 120 120+ Days Late 30 30 Days Late FP Failed to Pay 60 60 Days Late N Negative 90 90 Days Late Data Unavailable

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 2023-04-19
Company: Professional Debt Mediation, Inc.
State: PA
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:
A collection is late by default and therefore can not report a late payment. Prof Debt made multiple inaccuracies and XXXX hasnt taken the account off due to violation of my consumer rights. Instead, XXXX updated my account without doing a complete investigation. Prof Debt continues to make inaccuracies despite XXXX  updating the report. I made multiple disputes attempts even with proof of violation from Prof Debt and XXXX.

Company response to consumer: Closed with explanation