BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-13
Company: Navient Solutions, LLC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I have never done business with Navient. Further, Navient can not provide original documentation proving that I ever did business with them ; therefore, their claims are invalid. They continue reporting to the credit reporting agencies monthly that I have missed payments ; however, I have NEVER done business with them. 

I have reported this to the Consumer Finance Protection Bureau, but the CFPB has done absolutely nothing. 

I have also reported XXXX XXXX XXXX. XXXX is now closed ; I quit attending classes there when I realized that they were a scam. They generated loans without disclosing the amounts to me and lied to me to attempt to keep me as a student. I reported their crimes to the CFPB and the CFPB has done nothing. 

It has been a long time since I reported EVERYTHING to the CFPB IN FULL DETAIL and have yet to hear anything back. 

I have researched the CFPB and have concluded that the CFPB does absolutely nothing and is a waste of taxpayer 's money. 

Until you show me results, I will have to believe that you guys sit around and do absolutely nothing. 

After all - numerous consumers already state that that's what you do. Further, you have done absolutely nothing to help me. 

I want the CFPB to be audited and to also FINALLY take the initiative and time to assign an investigator to my claims against both Navient AND XXXX XXXX XXXX. 

You say that it's your job to enforce rules to keep financial companies operating fairly. When are you going to actually do your job?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
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: Credit inquiries on your report that you don't recognize

Complaint:
Some one used my information try to get Cridit card so start running the Cridit often I lost 18 points XX/XX/XXXX. Experien And 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 2021-06-05
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
GM FINANCIAL did not properly report my vehicle loan account to the credit reporting agencies. The last reporting date was XX/XX/XXXX. I have made payments all the way until XX/XX/XXXX when I paid the loan off in full. 

I contacted GM financial, but they can not tell me why my account hasnt been properly reported. 

As to date, my GM financial account is still showing open and active even though it has been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Waypoint Resource Group, LLC
State: NY
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 DISPUTED SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT WAS OPEN FRAUDENTLY WITH THE 3 CREDIT BUREAUS XXXX, XXXX   AND XXXX. I HAVE ALSO FILED AN FTC REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX I submitted my most recent disputed against a debt listed on my credit report by XXXX XXXX account # XXXX for a repossession that was conducted in the state of Florida in XX/XX/XXXX. I have been disputing this debt via the credit bureaus since approximately XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX finally decided to provide notice to the credit bureaus that the vehicle had been sold around approximately XX/XX/XXXX. They should have updated that information to the credit bureaus in XX/XX/XXXX upon my first dispute with the credit bureau agencies and they did not. I have requested via the credit bureaus that XXXX XXXX provide proof that said vehicle was sold and to verify the amount that the vehicle was sold for. XXXX XXXX since this whole period of dispute began in XX/XX/XXXX hasnt provided proof of sale or purchase amount since the disputes began. Also per the Florida repossession statue 537.012, XXXX XXXX should have provided me or the joint owner with a notice of time, place and date of sale or auction of the vehicle, which they did not. It was not until I began to dispute via the credit bureaus in XX/XX/XXXX that they advised that they sold the vehicle. This XX/XX/XXXX I disputed once more via Equifax requesting that XXXX XXXX  provide proof to me of the amount the vehicle was sold for as well as advised that I wasnt notified of the place and time where vehicle was sold/auctioned and requested proof that. I requested proof that XXXX XXXX notified me of the place and time of the vehicle sale/auction. XXXX XXXX still hasnt provided me with that proof. I find that XXXX XXXX is in violation of the Florida repossession statue 537.012 that states that they must provide the owner/joint owner with time, date and place of sale/auction and due to this statue violation I am requesting that this account be stricken completely from all of my credit files as well as the joint owners credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: AR Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I experienced a medical emergency from a XXXX incident relating to XXXX XXXX in my XXXX  whereby I visited local emergency room. All necessary insurance information was provide to the hospital emergency room staff during the initial admission to the emergency room. Of all of the entities that provided service to me during that visit, only one source of service providers claimed the hospital gave them no information to bill for their services rendered. All other resources were adequately and accurately billed and subsequently paid according to our insurance provider. After I initially received billing from the source in question in this case, XXXX XXXX XXXX XXXX, informed me that billing errors were routine. Billing errors are not routine as there is a standard of protocol that all medical service providers follow. XXXX XXXX had at one time also stated that the initial billing to the insurer had gone to the wrong insurance company, that it had been submitted under the wrong patient name. As routine, hospitals and subsequent medical service groups XXXX the patient ID and insurance card during registration. There should have been no reason this organization would have gotten misinformation all other sources of service that day received correctly from the emergency room who provided services to me during that visit. I have made several phone calls to gather information to provide assistance resolving this matter. It is unclear how all other entities who provided service to me that day had no issue resolving their billing and yet this organization in question were somehow completely left out of the medical billing relating information. I file this complaint because the amount of {$920.00} billed to me was not properly billed by the company and that apparently XXXX XXXX XXXX XXXX failed to verify proper data as required for services rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please review the time line that outlines the delay in my request to have my PMI insurance removed from my current loan. 

XX/XX/XXXX : requested to have the PMI removed from my loan account XX/XX/XXXX : called back to inquire on my request that I had sent to the lender in writing XX/XX/XXXX : called to inquire when the request would be completed. Was told that the request has been escalated and I should here back soon from a local appraisal company when they would be able to complete the request. 
XX/XX/XXXX : Follow up call was made with loan company on status of my request. Was told by representative that it may take up to three weeks for the process to be completed. 
XX/XX/XXXX : Follow up call to inquire on status of appraisal which was still pending. Was told by representative that my request was denied and that if I wanted an appraisal completed that I would have to pay for it out of pocket. Requested a copy of denial letter that was then emailed to my attention. 
XX/XX/XXXX : Follow up call made to loan department again inquiring on denial letter via email and if I wanted the appraisal still done that I would have to pay XXXX to have it competed. 
I then agreed to pay for the fee and the payment was completed over the phone via my checking account with routing number and account number. 
XX/XX/XXXX : received my loan statement that reflected my XXXX appraisal fee was processed as an additional payment towards my principal loan account. I called in to inquire on the transaction and was told then that my home required some unknown upgrade requirements to justify the appraisal. When I spoke with the loan representative I recall that they stated " don't worry about the fees you have paid into thus far and they will be refunded to you once the appraisal is completed as long as the home value meets the requirements. 
XX/XX/XXXX : Filed a formal complant XX/XX/XXXX : complaint was responded to with no valid reason for my appraisal request to be executed. 
XX/XX/XXXX : Called into CFPB to inquire on the next steps considering no valid reason was provided by third party as to why the appraisal request has not been honored. 

Lending company continues to delay my request and the loan is now reaching the two year mark and I am simply asking for a true market value assessment be completed of my home as the initial appraisal is now two years old in XXXX this year of XXXX. 

CFPB representative suggested I submit a new complaint for follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: NC
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 had a water filtration system installed in my home in XXXX. The company financed it through Castle Credit, LLC. and did not furnish me with the terms and conditions of such financing to include filming a lien against my property. When I sold the property, I was made aware of the lien. I believed the lien to be satisfied at the time of the purchase when my property sold in XXXX of XXXX, only to receive a letter later in XXXX stating that the account was going to collections unless I took immediate action. I called and set up a payment plan to get current, paying {$570.00} in XXXX and XXXX of XXXX, then a payment of {$230.00} in XXXX to be caught up and resume my normal monthly payments of {$130.00} thereafter. The company reported to all three credit bureaus that the account was now in collections and remained in collections until I paid it in full XX/XX/XXXX. I contacted the company, XXXXastle Credit, to get this matter fixed to no avail. I disputed it with the credit bureaus and their investigations sided with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Amsher collection agency had reported 3 debts to the credit bureaus without sending any notifications by mail therefore not giving me my right to dispute the validity within 30 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Colony Brands, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted this company multiple times, and sent in my ID Theft Affidavits as requested, but they still refuse to investigate and remove this item from my credit report. This is disgraceful as it has been on my report for a few years now even though I never ordered anything from them. I have a notation on my credit report from 2017 showing that I was a victim of ID theft and this needs to be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 i requested MRS Associates to validated an alleged debt they claim that I owe. The debt collector unable to validate the alleged debt. The debt collector violated my rights as a consumer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: One Source Technology
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2021 a consumer report was ran for a background check for employment. Asurint has the incorrect information reported as the record has been sealed. This could be detrimental to my employability and I need this correction made on any and all platforms so this doesn't happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME OR AUTHORIZED BY ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2018-06-24
Company: EQUIFAX, INC.
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 is missing that should be on the report

Complaint:
On XX/XX/2018 I tried to contact the company regarding investigating the validity of this account. I've been unsuccessful in contacting the company. On my credit report there are no contact information for this company. The account also should have been removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Experian has without a doubt suggested that the cash reserve of {$500.00} dollars at XXXX is a credit card. It has also alleged that Mr. XXXX is not a shell company for XXXX who has maligned my credit rating by associating a {$4000.00} credit card to tune of XXXX a credit card 4 year old and used this Shell company to assume I have defaulted the mortgage has a score of 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 2018-06-24
Company: Independent Dealers' Advantage, LLC
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 is missing that should be on the report

Complaint:
On XX/XX/2018 I tried to contact the company regarding investigating the validity of this account. I've been unsuccessful in contacting the company. On my credit report there are no contact information for this company. The account also should have been removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Thia company has no real info plus they say this debt was from XX/XX/2010 and when life lock contacted them they couldnt even provode info on what address these services were at i was the victim of id theft many years ago and thia is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Nelnet, Inc.
State: AR
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:
Contacted Nelnet on XX/XX/2022 to get a refund on student loans. Was transferred between departments and was not able to get a refund. XX/XX/2022 contacted again to get refund and loans reinstated and was told I would get confirmation via email or call in approximately 5 business days. Today XX/XX/2022 I have not heard of a response from Nelnet about my refund being accepted or denied. I was told it would take 4-6 weeks from when the refund would be approved to get my refund check as well. It is now 4 weeks and have not heard back of the initial pending refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Affirm Holdings, Inc
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I Had a unauthorized payment taken from my checking account on XX/XX/XXXX from a checking account I have not used in months so I know it wasnt me. After contacting you on XX/XX/22 I was given the run around and told you had no power to access my money of XXXX XXXX I need this money immediately. I would also like to state that XXXX $ was unauthorized and taken from my checking account. XXXX XXXX dollar deposits were made from my new employer, and XXXX XXXX $ deposit was made yesterday. I was told again on XX/XX/22 that there was nothing they could do by affirm. On XX/XX/22 the creditor XXXXXXXX XXXX XXXX told me they had no power over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21 around XXXX XXXX, I used the atm on XXXX XXXX at the Chase branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was depositing 2 checks, both from XXXX XXXX, in the amounts of ~ {$450.00} and another ~ {$11000.00}, I dont have the exact figures on hand. The branch is closed and have attempted to call Chase. I spoke to one representative who was unable to assist and transferred me to another queue and they dropped the call. I have a left a voicemail for the branch as well but no resolution or steps to resolve this issue has been offered yet. I dont know whats happening and trying to call Chase requires an hour wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, at XXXX XXXX I received a notice on my phone that my chime savings was ready to open again. 
I tried to access my account and could not access the account. I called the customer service phone number for chime. I was told there is an account associated with my phone number. Then was told my account was closed. The recorded message said if I had any questions to email XXXX I emailed support and the reply was automated. Then I got another reply on XX/XX/XXXX that my account was closed due to a deposit agreement with Chime. They sent me a link to read over and I did not violate any agreement. 
XX/XX/XXXX I received an email they needed more documentation on my identity. I sent the supporting documentation. 
I was told that " Unfortunately for security reasons, we are not able to disclose further information on the closing of your account '' XXXX XXXX from the escalations team sent that )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME OR AUTHORIZED BY ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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