BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-06
Company: Navient Solutions, LLC.
State: MA
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:
XXXX XXXX, XXXX my loans were consolidated incorrectly. I applied in XXXX to consolidate specific loans, leaving out the XXXX loans I had because with my profession I was eligible for deferment and cancellation of those loans, so it made no sense to consolidate them. This consolidation was processed incorrectly by Navient, they ended up consolidating all of my federal loans together, including my perkins loans which I noticed as soon as I got the paperwork for the consolidation. I immediately contacted them and told them the consolidation was incorrect and they made an error. They accused me of having submitted XXXX application with all of my loans on it despite my documentation of the typed applications I submitted, with the additional form for loans NOT to consolidate, to make it crystal clear what I wanted done and which loans to leave out XXXX XXXX XXXX. Finally after I submitted my first complaint to CFPB I was sent an email by Navient XXXX/XXXX/XXXX saying they had approved my request to unconsolidate the XXXX loans. This once again gained no ground for another 3 months. XXXX XXXX XXXX and Navient were both telling me it was the others fault and that both were waiting for a return of funds from the other company. Meanwhile, my loans, including my XXXX loans, are accruing interest fraudulently. Due to my expectation to apply for deferment and eventual cancellation of my XXXX loans, I would never pay interest or principal payments on those loans ( reference XXXX Request for Cancellation of Deferment prior to Cancellation through XXXX  XXXX XXXX XXXX. Most recent update was XXXX XXXX, XXXX, I received an email from XXXX XXXX XXXX that a consolidation statement was available for viewing. Upon logging in I see a XXXX $ loan balance, plus XXXX $ of interest already accrued. Navient, who 's consolidated loan should now be {$2000.00} less if this was correctly processed, is still showing the same loan balance and accruing interest. After contacting Navient they are confused as to why XXXX is showing a loan balance if they have not received any money, for which they were unable to locate during our 20minute conversation and communication with a supervisor. So outside of the YEAR of interest my XXXX XXXX were accruing after they were fraudulently consolidated in XXXX XXXX, I am now accruing interest through University XXXX XXXX on {$2000.00} as well as whatever the {$2000.00} plus compounded interest and still are for the loan as part of the large consolidated loan at Navient. This should never have been consolidated, never accrued interest, and never have been exchanged back to UAS without communication to me, the affected and responsible financial party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Siggi LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I have been actively disputing an account with Omni Financial of Nevada for years. I recently began cleaning up my credit and notice, Omni was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, XXXX, XXXX and Omni Financial verified the inaccurate data using XXXX and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show Omni was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, Omni Financial updated my credit file, again with inaccurate data. There was even a difference in the amount added to the monthly balance for the month of XX/XX/XXXX across the bureaus. One bureau had an increase of {$100.00} and the others {$100.00}. In addition XXXX and XXXX are reporting a high balance of {$6600.00} on a closed account, and the XXXX is showing a balance of {$0.00}. Instead of correcting the data, Omni, instead chooses to harm my credit file with XXXX, XXXX, and XXXX assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact Omni about your credit file, they say the account was sold to XXXX credit Services, yet Omni is reporting. Please remove from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It has been 30 days and XXXX still have NOT updated my credit report and score. There's OLD account still on my credit report. These accounts are more than 7 years old and by law should not be on 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 2017-11-06
Company: RoundPoint Mortgage Servicing LLC
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: Account status incorrect

Complaint:
I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. My auto-payments were going on-time, but due to a technical glitch, my bank sent me a letter to physically contact the recipient and send the payment, but I was on XXXX and never got the letter. Though I had the money and gave it when I returned, they reported a 30 and 60 day late payment. After talking with a representative of the XXXX, I was told I could have those two late payments removed, as per the law, but I have not been able to do so. I was overseas. Now I 'm unable to get a Home Equity loan or refinance my home. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: EQUIFAX, 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 submitted to Equifax XXXX XXXX in writing 4 times to remove or show proof of two items ( not mines ) that is showing negative on my credit report. I have requested in writing to show actual documents signed from these XXXX lendors, and the request is repeatedly being denied or being ignored. Equifax has sent me a letter indicating the outside collection agency XXXX not the original lender ) indicating that they have verified the account. I have ask them to provide to me who they verified the account with, name, and etc, They will not provide original documents from the original XXXX XXXX XXXX, and XXXX XXXX and therefore has ignored and denied to remove such items. By law it is my right to ask for signed documents with my signature from the original creditor, these items has not been provided. I was told that they do not have to provide me XXXX customer service ) with no information. I am requesting to remove XXXX and XXXX as I did not request to initiate services with these to companies. I also advised most of these lendors, ask for information over the phone to initiate services, which information can be breach or hack by someone else that is not me. I am not successful with Equifax to remove these items, or to show signed documents proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with XXXX. XXXX XXXX XXXX, XXXX They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. 
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.

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 2017-11-06
Company: General Motors Financial Company, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
MY WIFE AND I FILED CHAPTER XXXX BANKRUPTCY ON XXXX XXXX, XXXX, CASE XXXX. YOU WERE SENT A INFORMATION ONLY NOTICE AND NOW HAVE RESTRICTEED SAID ACCOUNT XXXX, SEE ATTACHED! 

ALSO, PLEASE BE ADVISED THAT THIS LEASE IS LISTED ON SCHEDULE C : '' THE PROPRTY WE CLAIM AS EXEMPT. ( FORM 106C ). 

AS A RESULT OF THIS CONFUSION, MY LEASE PAYMENT IS NOW LATE, AND ASSESSED FEE 'S. 

EFFECTIVE TODAY UN-RESTRICT THIS ACCOUNT AND REVERSE ALL LATE FEE 'S AND CORRECT ALL CREDIT REPORTING TO REFLECT PAYING AS A AGREED NEVER LATE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing fraudulent reporting on my credit report with 3 accounts and 2 different credit report agencies. XXXX and XXXX. The accounts have not been validated or verified according to the laws that were cited. They refuse to remove them and the creditors also have failed to validate and verify the accounts. They can verify them but the validity of the debt has not been proven.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
paypal has been holding on to {$500.00} for along time now about since XX/XX/XXXX2017 & one of the representatives on the phone said I could call back in 45 days which wasXX/XX/XXXX2017 I called them the next following day and they tell me a whole different story on why I ca n't withdraw my funds I gave them plenty of chances and sent plenty of emails saying I would file an complaint on their company but it seems they 're not taking me serious so this was the last option PayPal is the biggest scamming virtual bank there is

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I wrote Transunion a letter in XXXX XXXX asking them to prove the inquires I have on my credit report. I did NOT authorize these inquires and there is n't any verbal or written signature anywhere to confirm these. I asked them for proof of authorization and never heard a response back from them. I wrote them a second request XXXX and still have not received any letter or documentation back. If these can not be verified then these inquiries need to be removed now please.

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 2021-10-20
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: Account information incorrect

Complaint:
I have tried to dispute late payment reporting on my Equifax credit report from XXXX XXXX XXXX XXXX. I have tried to dispute the late payments at least 5 times and every time they reply to Equifax that it is correct. But the auto loan I had with them was ended in 2015 when the car was repossessed. Since then they sold the vehicle in 2015 and applied a payment towards my balance. Not only are they still reporting late payments but they are also still charging interest to the point my balance has more than doubled. I have tried to work this out directly with XXXX  and I even contacted Equifax who initiated the last 2 dispute directly for me because they agreed that I should not still be receiving late payment reporting. This is really ruining my credit score because they said I shouldn't be penalized for disputing but every time I dispute anything my score is dropped by around 30 points when they come back with yet the wrong information again. It is extremely unfair and I can not get any help from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Collection Bureau of Fort Walton Beach, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was denied a XXXX  Student Plus loan by the Department of Education which has resulted in a diminished chance of graduating from XXXX University with a XXXX XXXX XXXX in XXXX XXXX XXXX XXXX because the Department now requires perfect credit to get these loans. So I checked my XXXX  Credit Report and found a collection from COLLECTION BUREAU OF FWB, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXFLXXXX ( XXXX ) XXXX for XXXX Tennessee XXXX XXXX XXXX XXXX. This debt is supposedly for services rendered in XXXX of 2018. I contacted the XXXX group and inquired about this as I had XXXX at that time. They have no record of providing service to me in XXXX, 2018, and no record of submitting a bill from that time or any other for collection. The Collection Bureau of FWB refuses to contact the provider to verify this or to send me their information justifying this collection. They also refuse to remove this fraudulent attempt to collect a debt from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
money transfered but not received at any location or desired location in XXXX XXXX XXXX XXXX XXXX I transfered {$760.00} to XXXX with tracking XXXX XXXX WITH WESTERN UNION but the money is not received .I have called western union and e-mailed several times but no response hence this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My house was flooded in harvey and I am trying to repair but XXXX has taken my insurance money and will not return in a timely fashion I went in the to the XXXX branch on XXXX with an advance check which they endorsed. They did not tell me there was a process that needed to be followed with future payments. 

I have worked and used my own money to get my house repaired. 
On XXXX I went into the chasse branch with a chck for $ XXXX from my insurance company. 
They took the check and told me I need to fill out a number of forms to get any of my money from the insurance. 

I have been working since them to fill out all the forms and get them approved. They reject them and I have to do one more thing.One was rejected because my city and state were n't on there ... .my XXXX knows where we are.. 

Every time I have to do something else it is a three day turn around. Finally on XXXX they released XXXX of it but I have need the rest. They have not even reimbursed me for the receipts for things I have already paid. They will not send me any more of my money until I have jumped through all their hoops which I will do but every wekk it is something else. 

Last Tuesday I was assured that all my documentation was fine and would be accepted..today I find out that is not true. I need to resubmit some of it. Also once I submit it is a 3 day processing time and once it is accepted it is 6 days for the check to be MAILED. They ca n't even do a wire transfer. 

I am scheduled to be back in my home by XXXX but without any money I can not pay the XXXX for painted or purchase the floors or applicances. 

I received the packet on how to hand the disaster funds on XXXX when XXXX occured on XXXX. The is over two months after the fact. 

Aslo the people I talk to get everything wrong and I am told one thing then the next day they apologize and say that was wrong ... 

XXXX has been great My insurance has been great SBA has been great but Chase has been not only unhelpful but rude and incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: AMERICAN EXPRESS COMPANY
State: TN
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 called my American Express to seek help with some problems with companies who took my money and never rendered me any services.I had to call several times as I feel the representative did not want to work on my problems because I was disconnected.I had two girls say no problem we will get them in dispute, then i was transferred to another girl who said it was to old.I explained to her that the merchants merchandise was not as described.I explained to her my husband and I are both legally XXXX and the company said no problem we will take care of everything.American Express told me so many different stories I still do not understand.They would not look at XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.I was run around to seven different people who all seemed to have a different way of doing things.I talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, ,and XXXX.I still did not get an answer.I heard so many different scenarios I was left feeling like I was just pushed around from one department to another without getting a definitive answer.Please help me get my refund as I never received any service for all this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, 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:
EQUIFAX has violated multiple of my federally protected rights as a consumer and will now be subject to criminal and civil liability if these items arent removed immediately.the following rights were violated. 
15 U.S. Code 1611 ( 1 ) 15 U.S. Code 1611 ( 3 ) 15 U.S. Code 1681a ( 2 ) 15 U.S. Code 1681c-2 ( a ) 15 U.S. Code 1681b 15 U.S. Code 1681n ( b ) I HAVE NEVER GIVEN ANY WRITTEN CONSENT TO ANY CONSUMER REPORTING AGENCY TO REPORT ABOUT ANY OF MY PRIVATE DEALINGS OR INFORMATION. THIS SHARING OF MY PERSONAL INFORMATION WITHOUT MY CONSENT IS IDENTITY THEFT.I HAVE NOT GIVEN CONSENT TO ANY CONSUMER REPORTING AGENCY EVER. PURSUANT TO 15 U.S. Code 1681c-2 YOU MUST BLOCK ALL INFORMATION RESULTING FROM AN ALLEGED IDENTITY THEFT NOT LATER THAN 4 days. a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
PURSUANT TO 15 U.S. CODE 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.MY CONSUMER REPORT CAN NOT INCLUDE ANY PERSONAL TRANSACTIONS BETWEEN MYSELF AND ANY PERSON WITHOUT MY WRITTEN INSTRUCTIONS.BLOCK AND REMOVE ALL ITEMS LISTED IN THIS IDENTITY THEFT REPORT. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. I request a list of all the names of all the neighbors, friends, or associates interviewed as any item listed in this report was not obtained by information from any of those individuals. 
YOU MUST REMOVE THE FOLLOWING FRAUDULENT INQUIRIES PER FEDERAL LAW : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EVERY LAST ONE OF THESE INQUIRIES IS FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi, I have been trying to resolve this situation for the past three months and it has not been, successful. I have incorrect inquires on my XXXX credit report from date XX/XX/2021, XX/XX/2021 & XX/XX/2021. I made it clear to XXXX numerous times, send out three letters via certified mail, stating that I have not made any inquires on my credit report for the above date. I have been unsuccessful with getting a resolution for these unauthorized inquiries. 

I have two incorrect inquiries on my Experian credit report from XX/XX/2021. I have made numerous attempts by sending letters via certified mail to Experian to remove these inquiries from my credit report and it has been unsuccessful.

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