BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-27
Company: Credit Protection Association, L.P.
State: IL
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:
CREDIT PROTECTION XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX I have contacted both Credit Protection and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. I have never done business with Credit Protection. Further more Credit Protection is not License or bonded in the State of Illinois to do business a Collection Agency. PLEASE SEE ATTACHMENTS. 

The last communication was the following letter. To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$240.00} with XXXX and {$140.00} XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of  the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be  detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2018-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There are two problems.

First, one is with my XXXX XXXX credit card. They recently increased my available credit line by {$200.00} and reported I owed them {$0.00}. At that point, both TransUnion and XXXX decreased by credit score by 69 points and 59 points respectively based on that report. XXXX XXXX has agreed to investigate for me if I send them a letter stating the problem but said they are unable to request a change by the credit reporting agencies. 

Secondly, before that, I disputed an account by creditor XXXX XXXX requesting proof that I owed the {$230.00} they had turned in on my credit record about five years ago. I received a letter from them dated XX/XX/2018 saying that they placed my account on hold status and that collection efforts were ceased. However, it is showing up as an open collection on my account with a {$0.00} balance. 

And now they are saying a new address has been added for me when I have not moved. I checked XXXX XXXX and no new address has been added. 

I have reported both these to Transunion and XXXX but it has only made my credit record lower.

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 2019-08-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Dates will be a problem but until I was able check the box allowing the lender to access my income tax info I had many problems getting my new deferral or income based repayment. Any forms or pay stubs were submitted at least 3 times with associated heated exchanges by phone. I started calling Sallie Mae my loan shark and telling friends they would send goons to break my knee caps as a way to deal with the annual and prolonged stress. I dont like to be forced to let a faceless company have access to my private info but the stress was giving me XXXX. So I will persist allowing this invasion of my privacy as the lesser of 2 evils. Sallie Mae was evil and so is Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have received, without explanation that a % penalty has been applied against me for failing to maintain a good account status. However, Ive always been in good account standing with all my banks through their available methods ( deference the, forbearance, or IBR ). I can not find, not have I received any information supporting that penalty. The amounts have been recalculated and added to my loan principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I noticed that I had a lot of inquiries that I did n't not authorized I spoke with someone at TransUnion,   XXXX   and Transunion they told me to send in a dispute with all the inquiries. I did that then they told me they could n't do anything I have to contact the creditors myself. my report correctly have a fraud alert due to all of the misinformation I 'm trying to get cleaned up. TransUnion told me to place a fraud alert on my report and dispute any inaccuracies but now they do n't want to help me. I placed a fraud alert on all  XXXX  of my reports and disputed all of the inquiries that I did n't authorized.

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 2018-06-20
Company: CMG MORTGAGE, INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX purchased our mortgage in XX/XX/XXXX. Our insurance and taxes at this time were escrowed. In XX/XX/XXXX I received a letter saying our insurance hasn't been paid, at that time I assumed the insurance was going to be paid before the cancellation date of XX/XX/XXXX. On XX/XX/XXXX, I received another letter from our insurance carrier ( XXXX XXXX XXXX XXXX ) that XX/XX/XXXX is the final day for payment or we would be cancelled. I called XXXX XXXX  spoke with XXXX ( a supervisor ) he said he would take caf of the problem it was an " internal issue '' and it would be taken care of. They were waiting on approval from their insurance department. I assumed it was taken care of only to have XXXX XXXX XXXX email me to ask about new insurance. I then purchased new insurance but withheld payment until I spoke with CMG. On XX/XX/XXXX I spoke with XXXX from CMG and told her they needed to pay for the insurance because they have my money. She agreed they dropped the ball and have XXXX XXXX XXXX send them an invoice they would pay the bill. On XX/XX/XXXX XXXX XXXX XXXX sent the invoice with proof on insurance to CMG for payment. As of today XX/XX/XXXX the bill has not been paid and its about to expire on XX/XX/XXXX. I called CMG on XX/XX/XXXX at 8:30am spoke with XXXX ( supervisor ) he stated they received the proof of insurance on XX/XX/XXXX ( not true ) and he would process the request and it would take 3-4 business days to issue a check and it would be overnighted. This would put us outside the window and XXXX XXXX XXXX will cancel the policy. I have spent over 3 hours on the phone over the last 1.5 months only to listen to lies about my money and my insurance. I have since left my Credit card with XXXX XXXX XXXX incase the bill is not paid by XX/XX/XXXX. I should not have to do this. Also, because of lapse of insurance my premium increased over XXXX a year. XXXX XXXX XXXX direct line XXXX ext XXXX. This truly needs to be investigated. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a Land Patent issued to my property, which means : A patent issued, by the government of the United States is legal and conclusive evidence of title to the land/property described therein. No equitable interest, however strong, to land described in such a patent, can prevail at law, against the patent. 

The supreme court of the United States of America has upheld this time after time. No government, local, state, or federal, bank, mortgage company or speculator can take it, period. It has consistently ruled against the taking of these lands/properties for debt, which includes foreclosures, and even unpaid taxes. 

The Homestead Act stated in Section 4 : " That no lands acquired under the provisions of this act shall in any event become liable to the satisfaction of any debt or debts contracted prior to the issuing of the patent therefor ''. 

Allodial property can not be foreclosed upon or liened.

a patent to property is the highest evidence of title and may not be collaterally attacked [ State v. Crawford, 441p2d 586,590 ( Ariz. app.1968 ) ] the land patent is the highest evidence of title and is immune from collateral attack. [ Raestle v. Whitson, 582 p.2d 170,172 ( 1978 ) ] With all this, I'm filing a complaint against J P Morgan Chase Bank @ XXXX XXXX XXXX, XXXX , OH XXXX, and XXXX XXXX XXXX @ XXXX XXXX XXXX , XXXX XXXX, XXXX , TX XXXX, for wrongfully, unlawfully and illegally autioning the sell of my property @ XXXX XXXX XXXX, XXXX , TX XXXX on XX/XX/XXXX. Chase was given a copy via certified mail, of the Land Patent that has been brought up in my name, and therefore they don't have the legal authority to sell my property for which is in direct violation of the federal law. 

Therefore, I demand that Chase and their attorney immediately stop the sell of my property on XX/XX/XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Experian Information Solutions Inc.
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:
I have submitted multiple requests to XXXX XXXX XXXX XXXX, Experian, and XXXX to correct an error on the reporting on my mortgage payments for the months of XXXX and XX/XX/XXXX. The months of XXXX and XX/XX/XXXX are being reported as both being 60 days late. The XXXX was 30 days late and the XX/XX/XXXX payment was on time. When I requested the error be corrected to XXXX XXXX, they replied XX/XX/XXXX, that the XXXX payment would not be corrected as it was more than 30 days late and the XXXX payment was not reported to any either Experian or XXXX as being late, that it was reported as an on-time payment. I contacted XXXX XXXX by telephone approximately XX/XX/XXXX and submitted by fax the documentation showing that this was not correct that both the payments were reported as 60 days late on my Experian and XXXX reports. XXXX XXXX stated they did not have the ability to correct what was on the credit report as they were not reporting the payments late in their records. XXXX XXXX stated that I needed to submit the letter from XXXX XXXX to Experian and XXXX for correction on the reports. I submitted all documentation to both including documentation of the payments in XXXX, XXXX and XXXX. Both Experian and XXXX will not correct the reporting of these two months. All Reponses state that both Experian and XXXX confirmed with XXXX XXXX that the payments were reported correctly. Experian and XXXX completely ignored the letter from XXXX XXXX stating there were not reported correctly. During the last dispute, XXXX changed the reporting to include XX/XX/XXXX payment as 60 days late, which is completely inaccurate and was a recent change.

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 2017-06-26
Company: Experian Information Solutions Inc.
State: MN
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 am a victim of identity theft. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX ,   XXXX   and Experian credit report. I been receiving death threats from   XXXX   XXXX   representatives. The following collection account is fraudulent :   XXXX   XXXX  ,  XXXX / XXXX / XXXX , Balance {$460.00}, the following credit inquiries are fraudulent and unauthorized :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

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 2017-06-26
Company: EQUIFAX, INC.
State: MN
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 am a victim of identity theft. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX , Equifax and  XXXX  credit report. I been receiving death threats from   XXXX   XXXX   representatives. The following collection account is fraudulent :   XXXX   XXXX  ,  XXXX / XXXX / XXXX , Balance {$460.00}, the following credit inquiries are fraudulent and unauthorized :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: NY
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:
personal private information was not held in high-regard, and now in the hands of criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: WELLS FARGO & COMPANY
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:
I have submitted multiple requests to Wells Fargo Home Mortgage, XXXX, and XXXX to correct an error on the reporting on my mortgage payments for the months of XXXX and XX/XX/XXXX. The months of XXXX and XX/XX/XXXX are being reported as both being 60 days late. The XXXX was 30 days late and the XX/XX/XXXX payment was on time. When I requested the error be corrected to Wells Fargo, they replied XX/XX/XXXX, that the XXXX payment would not be corrected as it was more than 30 days late and the XXXX payment was not reported to any either XXXX or XXXX as being late, that it was reported as an on-time payment. I contacted Wells Fargo by telephone approximately XX/XX/XXXX and submitted by fax the documentation showing that this was not correct that both the payments were reported as 60 days late on my XXXX and XXXX reports. Wells Fargo stated they did not have the ability to correct what was on the credit report as they were not reporting the payments late in their records. Wells Fargo stated that I needed to submit the letter from Wells Fargo to XXXX and XXXX   for correction on the reports. I submitted all documentation to both including documentation of the payments in XXXX, XXXX and XXXX. Both XXXX and XXXX will not correct the reporting of these two months. All Reponses state that both XXXX and XXXX confirmed with Wells Fargo that the payments were reported correctly. XXXX and XXXX completely ignored the letter from Wells Fargo stating there were not reported correctly. During the last dispute, XXXX   changed the reporting to include XX/XX/XXXX payment as 60 days late, which is completely inaccurate and was a recent change.

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 2018-06-20
Company: Prosper Marketplace, Inc.
State: MS
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:
This company has two accounts listed on my credit report for loans that I did not take out. I have asked this company to provide me with all of the documentation that shows how this account was opened. The company has refused to provide me with this information. I have informed them that another account was opened in my name during the same time and that situation was quickly resolved. I was actually unemployed when these accounts were opened. The problem here is that I have never received any correspondence from this company about these two loans at any time. I have not received anything that stated they were trying to collect a debt owed. I found out about these accounts because they appeared on my credit report two years ago as being delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: EQUIFAX, INC.
State: IL
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 disputed 2 collection accounts with XXXX XXXX XXXX. I tried in XX/XX/2018 and XXXX XXXX XXXX tried in XX/XX/2018. After notifying them to let them know that I need validation, when I disputed I was told that they don't validate the information they verify address, name, social security no, and ask the creditor if it's accurate. To my surprise, asking the creditor or debt collection is it accurate and they placed it on there is eliminating my right as a consumer to have an investigation done that seeks validity of the debt per Fair Credit Reporting Act. 

The account is NOW stating that it's open, and per a previous report it was showing as closed. No address is given for XXXX XXXX XXXX and no phone number is given on the report to address the validation with this collection agency. I asked Equifax around XX/XX/2018 to do a full investigation of the account and I have disputed it again with them today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital One 360 banking apparently uses access codes, to link external apps and users, in order to increase my privacy and account safety. However, none of my other financial tools or account have been able to use any form of connection or access to be able to manage my funds and handle my monetary endeavors due to Capital One blocking the access no matter what security is or is not in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Monterey Financial Services LLC
State: NC
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:
Mailed a letter and ask for Validation of this debt. The company have not responded to me as of today XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Open XX/XX/XXXX I had a installment loan that I couldnt afford anymore because my personal debt of income ratio started to get high and l was out of work for a while so the loan was default on and car repossessed XX/XX/XXXX with a balance of {$0.00} because the account was sold to another company.and it is still being reported on all 3 credit bureaus as negative. action taken I sent out letters through 3rd parties but nothing has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Every year They charge me for a annual fee, last year when I spoke to them, he said it will not be charge now onwards. But again to my surprise, they charged me. {$39.00} on XX/XX/2018. 
I called asking them to remove the charges today ( XX/XX/2018 ), she said that can not be done. 

Can you get me refund please.

Company response to consumer: Closed with monetary relief