BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been having issues with this Navient since XXXX of XXXX. They are not willing to assist me with lowering my payments. I had previously requested that they cease phone communication because they call and never help me. When I did try to set something up, all they do is just move the past due amount to the end of the loan to the principal so that they can charge more interest. I never had an issue paying my loans with Navient when my bill was affordable at {$280.00} a month. However, they decided to increase my payment by {$100.00}. Which I can not afford. Each time I explain that I pay bills that are not in my name, they do not take that into account. I have kids, and bills that I have to pay and have to budget every month. Unfortunately I do not have extra {$100.00} a month to pay. Today XX/XX/XXXX a collections agent called me and explained that I am past due, which I am aware because I can not afford the monthly payments. I explained to the customer that I told them to cease calls last time and the agent began to rudely explain that they gave me money and how are they going to get their money back. Being extremely rude, really upset me because all I have been trying to do is get an affordable monthly payment to pay off my debt. All they want to do is cause me to be past due and mess up my credit. Navient in no way is trying to help me and I can not pay them unless we can come to an agreement that I can afford. I would be happy to pay {$280.00} a month like I was promised by an agent back in XXXX XX/XX/XXXX but the agent LIED!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
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:
Im accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A. states I have a 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. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2018-09-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my monthly credit card statement was a paypal charge {$8.00}. I checked my XXXX   account ( which I havent used in many years ). No transactions were shown for the last two or more years. The phone number next to this supposed charge on my statement is XXXX ( XXXX ) XXXX CA. I called this number and the computer told welcome to XXXX. I immediately terminated the call. I did contact the bank in regards to this charge and they are also looking into this. I realize {$8.00} is a very small amount to be concerned about, but something that is being used as an attempt to commit identity theft. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
I did submit on XXXX. ( complaint number XXXX ) and amex sent a mail about they are working to resolve the issue as quickly as possible and apologize for the disappointment. after 3 month, nothing!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
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:
I didn't give permission to this company to have my medical report, It is a violation of my right, and I will like to have them removed.

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 2017-10-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX we traded in our used XXXX XXXX for a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX, CO. On the XX/XX/XXXX we had a family medical emergency and our son was flight for life to XXXX Hospital in XXXX , CO . Which we were there for three weeks. During this time I received a phone call from our XXXX XXXX saying that we were over 30 days late on the XXXX that we traded in back in XXXX. I immediately contacted XXXX XXXX XXXX and spoke with a guy in the Finance Department. He looked into it and saw that we had not owned or had the XXXX since the date of XX/XX/XXXX and that the paper work that they had done on our new loan with the XXXX was done incorrectly and because of that the new loan was not yet processed and the credit union was not paid off because of this paperwork that was not done. He told me that this was immediately going to be corrected and that day they were going to down cut a check to XXXX XXXX XXXX CO for the XXXX and told me that they would take paperwork to them to show that we had not had possession of this XXXX since the beginning of XXXX. This was the first week of XXXX and now being XX/XX/XXXX, we noticed from a report that our credit has taken a huge hit. So, after calling the XXXX XXXX XXXX CO I was informed that they had just paid off the XXXX on XX/XX/XXXX. I have, once again called XXXX XXXX XXXX to tell them my issue ( again ) and demanded that they give me a letter or proof that we did not own this vehicle as of XX/XX/XXXX and that this needs to be corrected IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Take note that XXXX ( Original Creditor : 11 XXXX ) XXXX is not my collection. I do not owe this company, collection agency never contacted me to discuss about this alleged account. I did not sign up for an account with XXXX. I do not have an acknowledgement with the original creditor, I did not sign up for an account with XXXX, Remove XXXX ( Original Creditor : 11 XXXX  ) XXXX from my credit report

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 2020-11-10
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-11
Company: Experian Information Solutions 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:
I didn't give permission to this company to have my medical report, It is a violation of my right, and I will like to have them removed.

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 2017-11-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Mortgae Servicer, Select Portfolio Servicing, has canceled my payment plan due to the fact that I asked them to explain to me exactly what the payments were going towards. I have filed a complaint in the past and they have yet to give me an accurate answer. They allowed me into a catch up plan for the debt they are trying to collect from me. The plan calls for XXXX paymwnts of XXXX each, My simple question is to let me knoow the breakdown of those payments. How much goes to principle and how much goes towards the excessive fees they have added on the years. Instead they have canceled the plan on me. 
They have a foreclosure date on my house for the XXXX XXXX. I would like for them to prove the fact that they actually have a legal right to foreclose on my house. The Mortgage was placed in a trust owned by XXXX XXXX. XXXX XXXX had been sues by the govt. over these trusts and was found guily and told to pay out a settlement to the mortgage holders involved with these trusts. I 've bought that to the attention to the folks at Select Portfolio Servicing and they seemed to know nothing about it. I would like them to investigate that issue more for me. 
I talked to their Ombudsman Dept. about the foreclosure date 4 times over 4 days. 3 of their employees told me the foreclosure date was going to be put off. On the XXXX call I ws told that it would not be put off. This si what they do, mislead you with misinformation and they make common practice of it. I 've noticed that there have been thousands of complaints about this company on the CFPB site, why is nothing being done about this, I had talked to them about working out a settlement but with the foreclosure date so close they are not allowing me the time. It seems they are bent on foreclosing on me without working through all the options. 
I have also requested in the past to see a copy of their servicing and pooling agreement with XXXX XXXX  and it has never been produced. It all makes me weary that they are trying to foreclose when they actually do not have a legal right to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: BAS Receivable Management Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being sued a 2nd time for a {$3500.00} move out fee that was charged against me in XXXX. Bonded Adjusting and XXXX XXXX have their facts wrong and want me to PAY an additional {$2000.00} in interest for something I already PAID OFF YEARS AGO!! 
XXXX XXXX XXXX 's charges were outrageous to start, as I had lived in the home for nine years-it had normal wear and tear, along with items that I was physically unable to remove, and the grass was not mowed. Victims of domestic XXXX should have legal protections from move out expenses and that may be the case now? 
On XX/XX/XXXX I resentfully paid Bonded Adjusting Service a settlement in full, of {$3500.00} ; to put the past behind me.It was a gut punch, but all of my debts were paid in XXXX, and I have receipts and credit reports to prove it. 
3 years later ... I found an envelope, with my name on it, sitting on a coworkers desk and upon opening it I found an illegally " served '' complaint which notified me that I was, not only being sued for a charge that was PAID and closed, but I had less than a week to respond to the suit and had to PAY A FILING FEE TO RESPOND!!!!!!!!!!!!! 
I immediately went into my records and found the copy of the emailed receipt and the credit reports that showed my credit score improving about 100 points after the collections were removed. Transunion showed the account as paid and closed, and XXXX XXXX XXXX shows ( on the ledger document that BAS, themselves, submitted as an exhibit ) STAMPED with RECEIVED in XX/XX/XXXX. I tried to explain that they had made a mistake, but they are self righteous ... and I'm just dumbfounded. 
THE KICKER IS THAT I AM IN THE MIDDLE OF BUYING A HOUSE and I am about to freak out and sue for distress because they still have the nerve to tell me " Our records show you still owe a balance ''. 
The proof is the receipt they emailed ( which I printed and which shows date, time, amount and I even noted the name of the person who took my card number ), and the nationally trusted fiduciary giant XXXX, along with the stamp at the top of a document that THEY submitted saying account received and terminated. 
I'm buying my first home. I don't have the time, money, or energy for this entirely unprofessional, unethical, illegal hoopla! How can they make such a huge error? Or do they have snakes for employees? I've never in life heard of anything like this, but upon researching this company ... I see they are regularly screwing up and hurting people with their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Consumer Portfolio Services, Inc.
State: GA
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:
To : CONSUMER PORTFOLIO SERVICES XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX From : XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 REF : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed Consumer Portfolio Services put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX  XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EMCC Holdings, LLC
State: IL
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:
XX/XX/2021 this is a cease and desist notification, and debt of validation letter. My credit report has been compromised without validation and authorization. Please remove from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent out a Demand letter and Cease & Desist letter for Robocalls to stop from this business. They called me 5 times regarding this issue without my consent. I did not give this company consent or I did not provide my phone number to this company to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


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 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$43000.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX  FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2022-03-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
CHASE AUTO has failed to Apply several tendered payments CHASE AUTO failed to reply in writing to previous notice of rescission of ALL security interest thereby forfeiting ALL claims. to date the company still has failed to abide by applicable federal regulation 12 CFR 226.23.

CHASE AUTO 's failure to respond is now considered tacit admission of Fraud, Counterfeiting, breech of agreement and false representation to name a few Again, pursuant to The Fair Debt Credit Collection Practices Act 809, Validation of Debts [ 15 US C 1692g ] subsection ( b ) and as referenced in your correspondence verification within 30 days to the address above : Verification requires " Confirmation of correctness, truth, or authenticity by affidavit, oath or deposition. In accounting, [ it is ] the process of substantiating entries in books of account '' ( XXXX 's XXXX XXXX, XXXX XXXX ). This verification should include, but not be limited to, signing the enclosed affidavit verifying the terms and conditions of the alleged loan and answers to ALL the following list of questions attached. 

I've retained copies off all correspondences sent, dates, certified mail receipts, phone call recordings that will be used as exhibits should legal proceedings become necessary.

Company response to consumer: Closed with explanation