BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-22
Company: Navient Solutions, LLC.
State: PA
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:
Dating prior to XX/XX/XXXX and prior even I was told my only option was forbearance that I was not eligible for any other repayment plan. XX/XX/XXXX I realized there were other options and the payments they claimed I had to make were outrageous. After more of my own research I called back in and explained how I was once again misinformed and wanted repayment options. I was given a repayment plan but even up until XX/XX/XXXX I was lied to about what the payments were going to be and never received any of the documentation on how or when or even how much the payment would increase causing late fees to accrue. Between the years of accumulated interest in forebearance that I didnt deserve and still inaccurate information resulting  in more money I have to pay my loan amount will never seemingly go down remaining at XXXX in loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020. I received a small claim case No # XXXX from justice court of the State of Texas, XXXX County precinct 3. The plaintiff is Midland Funding LLC sue me and demand for payment amount of {$6700.00}. However the person reference in the citation have same name but not me, the social security number does not match mine, the address listed in the citation which I have never lived at, also I have never opened an account with the bank in the citation. 
I have contacted the plaintiff attorney through email with this information on XX/XX/2020 but a company Midland Credit Management still send me letter on XX/XX/2020 which a request of payment. 
Please contact me to advise the steps needed to stop send letters and dismiss this case. 
Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Riverwalk Financial Corporation
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This debt does not belong to me, it belongs to XXXX XXXX, a special friend of mines at that time. His address is XXXX XXXX XXXX ; XXXX XXXX, MO XXXX. Also, I was told by XXXX XXXX XXXX, if I help them get the car back from XXXX XXXX this item would not hit my credit as it should not have in the first place because it was not my bill any way. Please remove this creditor, it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Capital Management Services, LP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have received several phone calls from Capital Management Services. I do not know who they are but researched them on the internet. They never leave a message so I 'm not sure what this is about so I blocked their calls on my cell phone. Now they are calling me at all hours at work! I 'm afraid this will jeopardize my employment! I have asked them nicely not to call me at work but to send me information to my home address but they have not done that. I need them to stop before I lose my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2018-06-22
Company: EQUIFAX, INC.
State: TN
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 contacted EQuifax trying to remove hard inquiries off my credit report from XX/XX/XXXX to XX/XX/XXXX and they said they could not help me with it .I contacted the companies by letter because they have no numbers and they said they could not find my information in the system and for me to contact XXXX  to remove the inquiries and they said they is no way they could they just will have to stay on my report so I didn't get help on either end ... 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have several opened disputes with Chase credit card. I have submitted additional information on each account as requested. Chase denied several of the disputes for example siting I did not submit documentation as requested. The disputes stem from merchants product as not describe to merchant 's mischaracterization of the described goods or services and/or dispute concerning the established quality of goods or services provided to me. For example XXXX XXXX made a reservation and the room was unsanitary the patrons appearing to have permit residence as welfare recipients. A woman XXXX in the hallway a group of people appearing to involved in a drug transaction, the room water damaged ceiling and the floor filthy with hair and debris. The particulars are within the dispute to Chase however it was denied on XX/XX/2018. I was notified by phone. I called back and explained the matter to a different representative and the case was reopened with a temporary credit. The problem with this particular dispute is I paid with Chase I called them at the hotel when there was a problem along with the merchant. I did not stay at the hotel, left and checked into a different hotel. I think it is obvious that I did not stay at two hotels on the same day, however Chase initially and incomprehensibly dismissed the dispute siting I did not send the information requested when I did and if I did not they could see the transactions and common sense would there are two hotel charges on the same day. It is basically the same with each dispute below. 


See dispute details This page displays all dispute ( s ) that have been opened, canceled or closed during the past 120 days. 

Click the case number to see details about a dispute. To cancel a dispute, click " Cancel dispute '' in the Action column. To submit a new dispute, click " Add New Dispute '' at the bottom of the page. 

My Disputes Case Number Date Opened Transaction Date Description Dispute Amount Action XXXX XX/XX/2018 XX/XX/2018 XXXX {$100.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX IN {$190.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX {$100.00} Cancel dispute XXXX   XX/XX/2018 XX/XX/2018 XXXX XXXX {$220.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  {$310.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX {$90.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX XXXX  IN {$190.00} Cancel dispute XXXX XX/XX/2018 XX/XX/2018 XXXX XXXX  {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Hello, I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the fraudulent accounts reporting on my credit report. It was previously removed from my credit report but then reappear. Below I've attached the FTC report along with my Drivers license I purchase my XXXX  credit report and i can confirm that the items attached below are deleted

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 2020-07-01
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle for a 2020, since I have an old car and its soon going to break down. i was at the dealership and they denied giving me an auto loan. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a sit pulled a copy and now I am even more upset that someone has been using my name to open up accounts and that should have never been open. These accounts are not mine. I need them removed as soon as possible from my name.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle for a 2020, since I have an old car and its soon going to break down. i was at the dealership and they denied giving me an auto loan. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a sit pulled a copy and now I am even more upset that someone has been using my name to open up accounts and that should have never been open. These accounts are not mine. I need them removed as soon as possible from my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX   partial account numbers XXXX. ( Please see pages 16 and 17 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2021-06-09
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:
Several years ago a credit card was opened in my name with XXXX XXXX. I filed a police report and a ftc report and submitted it to all 3 credit bureaus. The all removed the credit card. Recently it popped up on my credit again and I disuted it and the refuse to remove it, when all 3 removed it before. This is ridiculous

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 2020-11-13
Company: Shellpoint Partners, LLC
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I'm a victim of the XX/XX/XXXX derecho storm in Iowa. my House got severely Damage. I got the roof repair as soon as I could and got bill for it XX/XX/XXXX ( shingles got repair/change ). 
my insurance company send me check for what their estimated of the damage it is, the check is on my name and the NewRez LLC mortgage company. NewRez now in possession of the money refuse to give me my money back even after I send the bill. they are requesting more documents even after I offer pictures proving the job its being done. now the company send me a pass due bill ( my credit can get ruin/ I could face legal issues ). 
NewRez refuse to liberate my money or pay the company, they keep asking for documents. they cause my XXXX and XXXX issues sore ( I'm XXXX percent XXXX XXXX ) to the point I can't work. Who is going to pay for the days are not working because what the Bank its doing?. I being force to request credits and use my credit card ( who is going to pay for the cost of this ) all because they want to profit with the money the insurance give me? 
I feel they are taking advantage of a VA loan, and I feel they make the process unbearable to use the founds. all they need its to send a inspector or having me sign an affidavit. I'm vulnerable and they are taking advantage of my tragedies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Experian is charging my card. They shouldn't be. I never asked them to charge me. I never asked them for help in any way. 

2 years ago they were hacked and offered " free '' services to make up for their mistake. Now I guess they feel they can just charge me for services I never wanted. 

I have tried to contact Experian. I have tried to contact XXXX. I have tried to contact XXXX - all of which are Experian companies to my knowledge. None of which I have EVER asked to charge me for their services. 

I have disputed the charges on my card and will be cancelling my card and renewing the number. This is outrageous I have to cancel my card because they find it okay to suddenly start charging me for a service they offered for free because they let me information be stolen.

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 2020-09-01
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
loan start date XXXX for XXXX and it still shows to as of XX/XX/2020 the pay off is over XXXX. There are late fees and accessed fees being added every couple months. There is no way I have had this vehicle for 5 years and only paid it down XXXX if I have been paying monthly and even with skipping a couple payments. I show 48 payments of XXXX each and payments of over XXXX each several times and smaller payments that look like they were broken down to be applied to late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Allied Account Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: AMERICAN HONDA FINANCE CORP
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:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : AMERICAN HONDA FINANCE, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : ONLY XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX, AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  , XXXX AND XXXX  . 
ACCOUNT NAME : XXXX. XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  , XXXX  , AND XXXX  . 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, REPORTING ON : ONLY XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ORIGINAL CREDITOR : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING DATE : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I was enrolled in XXXX XXXX College in XXXX, PA in XX/XX/1999 through fraudulent means. My mother and father signed the paperwork for financial assistance ( Sallie Mae ) without understanding anything ( they don't know English ). The career advisor did not know XXXX and it was never translated so that my parents would understand what they signed. The advisor was using aggressive selling tactics. I was supposed to earn an XXXX Degree in 18 months but they closed and I was unable to use any credits to transfer to other colleges ( they said they were transferrable ). I was, in turn, stuck in a loan at a high interest rate with Sallie Mae without even getting my XXXX Degree. 20 years later and I now owe over 60,000 ( they sold the loan to Navient ). XXXX XXXX College was sued and many students got relief. I am in dire need of relief from this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
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:
There are numerous inquiries listed on my credit report that were not initiated or authorized by me. This was a result of malpractice or an error.

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 2018-12-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Bottom Line Up Front : PennyMac is Required to Manage my Escrow Account per the terms of my loan. I notified them on XX/XX/2018 that they had paid my taxes partially, but not in full. I gave them the correct amount and contact information for the county tax office. They chose not to pay them or inquire with the county tax office. They finally inquired after the taxes were late and paid them. The problem was the late payment incurred a {$170.00} penalty that they took out of my escrow account instead of paying themselves. I was promised in writing and over the phone that if the taxes were not paid on time they would be responsible not me. 

Crucial Point : Why was PennyMac suddenly able to determine they had paid the taxes wrong in XXXX after the taxes were due, but not in XXXX before they were due? Why didn't they take the steps I asked them to take on XX/XX/XXXX that they took on XX/XX/XXXX? 

Summary : I have a required escrow account for taxes and insurance on my PennyMac Loadn. On XX/XX/2018 I reached out to PennyMac by their online secure messenger. I informed them that my property taxes were not being paid correctly, what the correct amount was, and contact information for the county to fix it. I tried and tried to provide them a digital copy, but I could not get their website to work. OnXX/XX/2018 at XXXX EST ( XXXX ) I contacted PennyMac by phone and informed them I couldnt get the property tax bill loaded ( See page 7 of XXXX  Bill under call detail ). I was informed I would not be responsible for any late penalties and they would engage the county digitally and get the correct bill. After many phone calls after the bill was not paid at all on XX/XX/2018 I found out today XX/XX/2018 the bill was finally paid out my escrow. Additionally they paid the late fee out my escrow because it was paid after XX/XX/2018 ( {$170.00} ). Additionally on XX/XX/2018 I papered mailed them a copy of the property tax bill and they said they did not receive it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX and my mother XXXX XXXX has passed but left me her house and it is now in my name but the loan she had was still in her name I have paid into that loan up to XXXX then out of blue there was a XXXX dollar balance that was owed like a balloon payment so I seemed legal advice which they said XXXX has passed so therefore I was not responsible well that info apparently was incorrect so I have been trying to reach Faye servicing for weeks they say fax over papers so they could identify me then they want me to send again they giving me the run around and my balance total pay off was XXXX now from the attorney fees from looking over paperwork I submitted 2 times that was almost 3000 and all there interest when I have trying to pay off the remaining Ballance my home has XXXX equity so there just not giving me a chance nobody calls back I call at least once a day voicemail no return call

Company response to consumer: Closed with explanation