BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My daughter took out 2 parent plus loans that Navient harassed me for an entire year bc my daughter wasnt paying them so I took those 2 loans totaling XXXX into my loans. My loans have never been late. 

Now, recently they have begun harassing me alleging i co-signed for these private loans for my daughter who I have not communicated with for 7 years. I KNOW I NEVER SIGNED FOR ANY PRIVATE LOANS. I HAVE REQUESTED A COPY OF ORIGINAL LOAN PROMISSORY NOTE AND ANYTHING WITH MY SIGNATURE. They have not complied. The loans were taken out XXXX XXXX before Sallie Mae was using XXXX. However, they must produce something with my signature for a private loan. If they changed the terms of my daughters loans and allegedly I am the co-signer, then they are required to notify me and I must agree to it. AGAIN, I NEVER SIGNED FOR XXXX PRIVATE LOAN AND THEY ARE REQUIRED TO PROVIDE PROOF OR REMOVE MY NAME FROM ANY RESPONSIBILITY FOR HER LOANS. THEY MUST PROVIDE ORIGINAL DOCUMENTATION TO PROVE LIABILITY ALONG WITH SOME SORT OF SIGNATURE. They stated it was XXXX but Sallie Mae was not using XXXX in XXXX and XXXX. 
My credit is being negatively affected now so I am going to sue for damages and attorneys fees. Please assist with Navient. They are seriously not following the rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: MOHELA
State: CA
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:
I submitted my request to Mohela for refund on voluntary payments after XX/XX/XXXX paid during the student loan pause XX/XX/XXXX. The voluntary payments should have amounted to about {$82000.00}. I called multiple times to request updates, and was informed that it was submitted early XX/XX/XXXX. After more phone calls, I finally received an update that it was approved the end of XXXX. The principal balance including interest accrued before my refund request was at {$320000.00}. ( I do not have the exact balance when I requested the refund, but I did request this information from them ). I was informed that my refunded amount would be {$81000.00}. I have not received this refund yet and am patiently waiting for this to come in the mail. My principal balance including interest is now {$420000.00}, which does not add up as there should not have been any interest added during the pause. I submitted for a dispute and was provided a case #. I called XX/XX/XXXX for updates on this case #, the refund, and was informed that they do not have this case # in the system. I am just appalled at how unorganized everything is with Mohela, the payments, the inaccuracy of my loan amounts and do not know how to address this 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 2023-06-01
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
We have 2 complaints regarding Chase Bank XXXX XXXX XXXX XXXX, NJ First complaint we opened a checking and savings account with XXXX who inputted my first and last name incorrectly, my SS number incorrectly and only had my DL number correct. 

When we were referred to him to resolve the issue XXXX made our checking account our savings account and savings account our checking account without our knowledge. 
This resulted in our initial deposits being incorrect which XXXX corrected himself without our knowledge. 
This also resulted in us having checks for a savings account and a checking account created by XXXX. 

These checks also had 2 different routing numbers on them which we still have not received a valid answer for to date. 
When we asked the branch manager what would happen if we used these checks he said they would probably bounce and it was no big deal. 
No big deal to who them? 

On XX/XX/XXXX our checking should have had {$3600.00} in it and our Savings {$5000.00} they did not as initially opened. The money was Secondly we were given a voucher that states if we open a checking. and savings account we would receive {$600.00}. The money was moved on XX/XX/XXXX without our knowledge. 

The {$600.00} voucher money appeared in our account on XX/XX/XXXX for a day and than disappeared. 
We question how this money can deposit and withdraw from our account without a trace and were told this never happened. 

We spoke with the brand manager XXXX and got no response to date. 
We requested the regional manager address the issue got no response to date. 
We contacted Chase Corp and spoke with XXXX who did not resolve our issues and would not return our calls in a timely fashion. 
We spoke with XXXX 's supervisor XXXX who was more attentive to our issues and returned our calls but has now referred us back to XXXX. 

Per our conversation with XXXX on XX/XX/XXXX we were told we had to deposit {$15000.00} to get the voucher in our savings account. 
as can be seen by the voucher no such requirement exists. The voucher states deposit {$15000.00} in savings OR have direct deposit set up. 

We are against setting up direct deposit until our concerns are addressed. 
Money disappeared from our account without a trace. 
We were issued bad checks from the bank representative Money was moved without our knowledge XXXX was questioned and lied he never did any such thing, well than how do we have these checks and deposits slips which reflect our statements? 
Customer service is horrendous!! 
I have no faith in this bank doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Block, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was talking to my husband of my cousin through XXXX, I thought it was him. I was investing money {$500.00} and I was suppose to get money back in order to get money I had to follow with the person he was working with so I gave my info and had to go to email to withdraw after that, they were requesting to pay network fee to withdraw money. I was concern because they were asking {$800.00} but I told them they took all that I had. I realized it was my cousin when he made me hold for XXXX mins and his boss was horrible in helping me. I asked him what's my aunt 's name and he couldn't answer. I couldn't get money back and had to change card and file a complaint to bank. My cousin told me that the night before his account was hacked and that person wasn't her husband. They were insisting to pay something and this person was calling me so I can continue because I wasn't doing everything they wanted me to do. I got called the night after and I took a screen shot of the procedure. I just don't want them to do it to someone else. This investment was from bitcoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I reviewed my credit report, I discovered that these items were 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 need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX US DEPT . OF EDUCATIO 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 2023-06-30
Company: LTD Financial Services, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir/Madam, I am writing to you personally to address the matter of a debt collection by LTD Financial Services in the amount of {$150.00}, which is alleged to be owed by me. After careful investigation, I have determined that I am not liable for this debt. 

I find it necessary to bring to your attention that I have previously sent a letter outlining my position and disputing the debt to LTD Financial Services. Additionally, I explicitly requested a response by email. However, to date, I have not received any verification of the debt or a response from their organization regarding the contents of my letter. I saw the collections on my credit wise report and immediately filed a dispute with XXXX. That is currently in process. 

As the first of XXXX roommates to check out of the college apartment complex in question, I want to emphasize that I diligently signed the move-out documentation, clearly stating my non-involvement in any damage to the common areas. Moreover, I have meticulously recorded and preserved images of my personal room from the day I moved out, providing conclusive evidence that it was left in a perfect condition. 

It is essential to note that the apartment complex did not notify me of any damage to the common areas during my move-out. Therefore, the issue of damage was not communicated to me, and I am not responsible for its resolution. 

Based on these undeniable facts, it is evident that the debt being pursued is not applicable to me. I kindly request that you assist in these collection efforts against me. 

Thank you for your prompt attention to this matter. 

Please see the following pictures for proof of no damage. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: MN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called the US Department of Education at XXXX. The recording said XXXX XXXX executive order is suspending all payments at until XX/XX/2020, However, I have negative remarks on my credit regarding this. It is very disturbing because I was trying to resolved this through the Income Base Repayment Program because I am unemployed. This program update the credit as payment in good standing. Also, if payments are suspended why I am being punish if they are not accepting payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: WV
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 was working with a mortgage lender through First National Bank and asked her to get me a quote to see what my odds of approval were based off of my income and debt. I specifically told her several times I did NOT want my credit ran until we knew I could get approved for a loan, and then we could decide to run it later and talk about which loans I wanted to apply for. She said the only way she could look at my taxes is if I uploaded my documents to the application link she sent me because she couldn't access them on her personal computer via dropbox, or any other means. She stated there would be a section on the application to state that I didn't want my credit pulled. I went through all the sections, demographics, etc. and then uploaded the 1099 's and taxes for XXXX and XXXX. I then received an Alert that there was an inquiry on my credit report on their application website, and on my XXXX XXXX  app. I sent her a screen shot of this and she stated that she didn't do it and was in a meeting. I told her it must've been automated, but either way I was furious. She called me once she got out of her meeting and tried to said it was my fault because " I submitted a full application and clicked 'submit ' ". I said " no ma'am, this is NOT going to be on me, I specifically told you I did not want me credit ran, and you said the only way that you could look at my documents was to upload them on this site. I used the same exact process and application with XXXX and theirs looks EXATLY the same and they didn't run credit, so it has to be something with your system, maybe it was automated, or something, but I am not happy. '' I have documentation over text message where I specifically told her I did not want my credit ran. I immediately called the number from the XXXX XXXX  app XXXX and spoke to a XXXX, and disputed the inquiry and told her it needed to be removed IMMEDIATELY because it was not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The issue is with the account I have with XXXXXXXX XXXX XXXX for credit card ending in XXXX and that I have paid XXXXXXXX XXXX XXXX the {$47.00} balance in full since XX/XX/2023 as pictured in my attachments showing both a payment conformation email from XXXXXXXX XXXX XXXX, and a debit card transaction receipt from my bank showing the payment was debited from my card ; but, XXXXXXXX XXXX XXXX wrongfully and repeatedly credit reports to TransUnion that there is a due balance of {$47.00} still due. I have disputed this with TransUnion and the other credit reporting bureaus several times and this unjust behavior of XXXXXXXX XXXX XXXX still persists, and all three credit reporting bureaus continue to report that there is a {$47.00} balance still due on the account despite me showing evidence to the contrary and that this account has been paid in full since XX/XX/2023. As result, XXXX of my credit scores dropped XXXX points due this willfully erroneous reporting from XXXX XXXX XXXX, thus they are damaging my credit and harming my quality of life.

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 2023-12-15
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
applied for a loan mod back in XX/XX/2023, they said they would look at it and will take 30 days, now is mid XXXX and they sent a take it or leave it offer, i have less than a week to reply. i get my loan mod and have 3 payments of XXXX a month, the same for the next 6 months and then a balloon payment of {$64000.00}, they granted a loan mod but didn't extend me any time to pay off whats do. i though a loan mod was to give a person time to pay things off, what happened? it's a lone mod that only benefits my loan servicer, good old PHH, how about giving me some time to pay it off?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX is and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2023-06-01
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I bought a vehicle from XXXXXXXX XXXX XXXX and had a warranty purchased on it. Now, XXXXXXXX XXXX XXXX has closed and I am having to pay for the repairs since the vehicle they sold me is not in the best of shape. The cars coil packs have gone bad 2 times in the last 2 months and the repairs are around XXXX dollars each time on top of the amount I already pay for the loan and the insurance for the car. The car loan is transferred due to XXXX XXXX XXXX  closing down and I have no one to honor this warranty since the company the loan was sold to has said they will not be 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 explanation
Consumer complaint received 2022-03-09
Company: AES/PHEAA
State: TX
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:
Regarding the XXXX XXXX XXXX XXXX program, FedLoan Servicing sent me ( and thousands of other borrowers ) erroneous letters labeled " PSLF Application Results '' that contain this line : " The charts above display the total number of eligible and qualifying payments you have made ( out of the required XXXX ) on your eligible loans for XXXX and XXXX, including any periods we have assessed as eligible or qualifying under the Limited PSLF Waiver. '' This information is incorrect and misleading, as the Department of Education has not yet applied the XXXX XXXX XXXX payments to most borrowers ' accounts. 

Since I just reconsolidated my loans to get the highest payment count on all my loans, my qualifying payment counts went from around XXXX and XXXX to XXXX. I also have at least XXXX to XXXX old payments that should qualify under the XXXX XXXX XXXX. 

I understand that it's taking some time for the Dept of Ed to apply the waiver to so many accounts, however, it is incorrect and distressing to borrowers to get letters from their loan servicer saying that the waiver payments have already been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report. As of this date ( XX/XX/XXXX ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 has violated my rights. Or list of inquiries XXXX XXXX XXXX  section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX person shall not furnish XXXX  information relating to a consumer to XXXX  consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2023-03-19
Company: CARCO Group, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reported identity theft several times. Maybe this is an attempt to ruin me. There are over 30 to 40 inquiries on my report that I didn't do or approve. I have tried for a couple years to get these inquiries off my report. 
A school on my report. I never attended. I disputed - XXXX XXXX twice. It came back as me as owner. WOW! With No grades or activities, class work reported I don't understand how easy fraudulent activity Is put on my report, but hard to get off. 
I have never seen anything like this. Only a XXXX put that many inquiries. Why can't y'all see that. 
and remove these inquiries. 
Thank you

Company response to consumer: Closed with explanation