BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-15
Company: Navient Solutions, LLC.
State: NY
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:
The supposed loan I owe is through navient. I questioned the loan because I have no documents on it. I had asked for documents to verify the validity of this loan several times over the last two years, I have called multiple times and sent a written letter. 
By navients own admission I have never completed an electronic application for a loan, yet when they send me the loan documents the promissary note says electronic signature on file. It's also a page I've never seen before and absolutely have never signed, so the the signature and date are falsified. They also still fail to send all of the requested documents like the electronic balance transfer authorization or original loan documents which are necessary to show and they legally have to send. I believe the school or navient has done something fraudulent and that the loan is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
MTH Mortgage Company is owned by XXXX XXXX. I was purchasing a new home, and was told that I qualify without selling my current home as I could take money from our XXXX. Turns out that the XXXX is a non-qualified plan that does not allow withdrawals or loans until you are separated from the company. The mortgage company approved us having 3 mortgages ( we have a rental in CA ). Not sure how, unless they do not want us to eat or pay any utilities. They have retained EM plus options and upgrades monies in the amount of {$22000.00}. We understand that they need to keep the earnest money deposit, however even a partial refund of the options and upgrades would go a long way. The loan company was well aware that we could not get into this house unless we sold our current home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Home Mortgage services my mortgage and XXXX XXXX is their legal representative. XXXX XXXX sent a notice XX/XX/XXXX giving me 30 days to respond to the validity of the debt on the mortgage. In spite of this deadline, XXXX XXXX went ahead and filed for Foreclosure before the deadline causing us both financial damages and needless harassment. I have spent well over 5000 in legal fees in challenging the validity of the debt for nothing and more far reaching problems in the near term. XXXX XXXX filed for Foreclosure XX/XX/XXXX when it should have been after XX/XX/XXXX. XXXX XXXX and Wells Fargo need to be accountable for their actions.This is not the first time for Wrongful Foreclosure Filing on the part of Wells Fargo and XXXX XXXX.They filed for Foreclosure in XX/XX/XXXX while the home was in the settlement phase of a lawsuit against the builder XXXX XXXX for structural issues and the mortgage was in the loan modification process with Wells Fargo. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: NJ
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:
AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20 XX/XX/20 XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/21 without a response. I really would like help in this matter. The misleading information is causing me financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Ocwen Financial Corporation
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: Public record information inaccurate

Complaint:
The loan was discharged in bankruptcy in XX/XX/XXXX. I ocwen loan servicing obtain the loan approximately XX/XX/XXXX, and started reporting to the credit agencies. I would this to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20 XX/XX/20 XX/XX/20

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 2018-02-19
Company: SYNCHRONY FINANCIAL
State: WA
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:
Actually, I was having a good credit score last month but I saw a drastic drop in my credit score this month. Earlier I was just neglecting this impact but now when I saw my credit score in XXXX XXXX, I tried to find out the cause of this drop. I saw there were some hard copy inquiries put by some company on my credit score without my permission. 

Can you please help me in removing these companies from my record?

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 monetary relief
Consumer complaint received 2019-09-07
Company: EQUIFAX, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
XXXX XXXX breached duty of care. XX/XX/2019 RE : Investigation - Delete Credit Inquires and Negative and Late Reporting To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor did not have a permissible purpose, and /or was able to verify my complete file information including full name, address, date of birth and SSN #. INCORRECT ACCOUNT INFORMATION ; PER XXXX XXXX MGMT The accounts below are reporting incorrectly. investigate and correct : 1. { XXXX XXXX } { ac # XXXX } { Remove negative and late reporting information from all records from XXXX XXXX HELOC account, according to proof } I am demanding immediate correction, after which I authorize you to mail me my updated credit reports along with the investigation results, and removal of " Foreclosure Listing '' on the internet. Also, XXXX XXXX is reporting an account that I have NO KNOWLEDGE OF, account number XXXX XXXX account reference, XXXX XXXX -Inaccurate Account Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Constant phone calls from Navient from morning til night. Spoke with representatives and was told there is no forbearance for private loans and no escaping payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
My attorney and I have been working with each credit Bureau and some of the item was removed found to be fraudulently were taken off but my score is mainly the same they have not updated my score as it should be higher even after they have removed item that was fraudulently done. he is still working with them and so am I they have only raised my score slightly. Experian I have called and all I get is the same answer it has been more than 30-60 days I have been working with them and my attorney has held a 3way conference call with them. I really hope this issue can be resolved. What good is it if know one listen coming from a person who has been involved with someone using my identity, I have took every step that was requested of me with my lawyer involved that still has not raised my score as they should have.

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 2021-02-11
Company: KeyBridge Medical Revenue Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I experienced a personal injury situation where I hired a personal injury law firm who took over paying my medical bills during the law suit. once the law suit was settled my law firm delayed paying all of my medical bills. There were one bill from my XXXX XXXX XXXX XXXX firm that was turned over to Key Bridge Medical Collections to collect. I contacted my legal firm and they paid Key Bridge Medical in full for an amount of {$390.00}. Key Bridge Medical continues to say that they want this medical collection noted on all three consumer credit reporting agencies. XXXXXXXX emailed me that Key Bridge Medical wants the debt for medical reasons collection to be continued to be noted on my credit report and XXXX refuses to delete it even when I informed them that medical collection issues were no longer supposed to be reported to the credit bureaus and in my case is even paid in full years ago.

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 2020-10-14
Company: ERC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Letter received dated XX/XX/2020 Collection agency Enhanced Recovery Company LLC, Doing Business As, XXXX XXXX XXXX ERC, XXXX XXXX, XXXX, FL XXXX, or XXXX XXXX XXXX, XXXX, FL. XXXX, demands cash payment or check for {$3400.00}, money not owed. 

I checked with XXXX. No record of acct. 

I checked XXXX Credit Report. 
No amt or activity from XXXX XXXX XXXX XXXX 

Fraud apparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
After years of my account being poorly managed and being forced to take my deferment because they say I have no other options. I contacted XXXX XXXX Several times this year, to make sure I was in deferment and no issues. I used deferment to make sure XX/XX/XXXX was covered since I was going back to school in XX/XX/XXXX. I was informed that they would update my enrollment would be updated from the XXXX  and everything would be fine, I would just have my XXXX in-school payments to make. On Monday XX/XX/XXXX I called again, since they are calling my co-signer and harrasing him and slandering me. I called XXXX XXXX and was told I was two months past due and informed her I am in school..please check the XXXX XXXX. She told me I had to submit a form and I told her " no '' you can go to the XXXX XXXX and check it! I am not putting up with anymore delays by you. I was put on hold, she checked it and told me she saw it and would submit a form for the update. XX/XX/XXXX Tay ID # XXXX calls my co-signer and tells him that I never pay my bills and this account is so far delinquent. That I have never made any payments. She has slandered me in every aspect and released who knows what else. XX/XX/XXXX XXXX XXXX ID # XXXX I call back to see what is going on with my account since I have just been slandered, they are harrassing my co-signer and I have done my part to handle this account. I was informed the previous person never submitted anything. Nothing has been updated. I am beyond tired of being lied to and slandered by this company, now I do not have the credit to able to move these loans somewhere else. They are no competent enough to do there own job! 
update XX/XX/XXXX- still nothing updated and have no clue when anything will be done

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been banking with Wells Fargo since I became an adult roughly 20 years ago. Up until recently, I had my personal checking, personal savings, business checking, business credit card, and a car loan with Wells Fargo and Wells Fargo Dealer Services. This was the third consecutive car loan with Wells Fargo Dealer Services. I started a XXXX XXXX company 4 years ago and naturally it was with Wells Fargo. My point is, I have been a very loyal life long customer. 

On XX/XX/XXXX, Hurricane Michael made landfall as a major Hurricane and decimated our area. My wife was XXXX XXXX XXXX  at the time and we were forced to evacuate to XXXX Alabama several days prior. I returned on XX/XX/XXXX to a damaged home, no power, water, or communications. 

During this time I missed a car payment that was due on XX/XX/XXXX. I have never had a 30 day late on the 3 loans I have had since XXXX. When going to make my XXXX payment, I realized I had missed a payment. I immediately made both payments and called customer service. The representative informed me my payment had been made and gave me the number for a disaster relief department that was closed. I called the next day and they wanted to back out my payment and set up a payment arrangement. I declined the offer and just wanted to stress how important my credit was and didn't want it effected by this. They assured me my account had been flagged as being effected by a disaster. 

One month on, I check my credit and it has dropped from XXXX to XXXX points due to a 30 day late being reported. With my history as a XXXX XXXX XXXX  and XXXX XXXX, I know it is possible to back out negative credit reporting. I called again, this time talking to no fewer than 5 people, asking to speak with a supervisor or manager only to receive a " Escalation specialist '' or " Senior Escalation Specialist ''  never being connected to anyone that could resolve my issue. I was told to fax a request to a credit department, they wouldn't submit for me due to no error being made, or I could contact The Office of The President.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

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 2016-09-21
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Company is reporting that I owe {$570.00} to XXXX XXXX XXXX, I have never has business with this company. This account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: First Data Corporation
State: NE
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I did a reservation for a car rental through XXXX XXXX XXXX on XX/XX/2018. The amount was for XXXX. The transaction was cancelled on the same day. For some reason my card was charged in the about amount on XX/XX/2018. I sent in proof to the FI, but they have denied my dispute claim.

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 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my Transunion consumer report I have 3 inquiries that I have no knowledge of the first being 1. XXXX XXXX dated XX/XX/XXXX 2.XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX date XX/XX/XXXX On my XXXX  I have three also that I have no knowledge of which are 1. XXXX XXXX dated XX/XX/XXXX 2. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XX/XX/XXXX I am contacted you to ensure these unknown inquiries be removed as I have contacted Transunion and XXXX  also with written identity theft affidavits Also there was an account opened with XXXX XXXX XXXX XXXX that I have no knowledge off also in which I've asked to not have furnished to my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX CT, XXXX XXXX XX/XX/XXXX Chase Card Services XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX : XXXX checking account number XXXX and XXXX XXXX credit card number XXXX XXXX Dear XXXX Chase Bank XXXX XXXX XXXX is XXXX XXXX who has XXXX loyal customers for years. I was travelling in XX/XX/XXXX and came back to XXXX in XX/XX/XXXX due to XXXX travel restriction. After coming back to XXXX, I found out Chase closed all my accounts without notifications and justification in the middle of COVID-19 pandemic. Due to COVID-19, booking travel to redeem my total points of XXXX was not an option, so I made multiple attempts with chase sapphire reserve customer service and Chase promised me to redeem my chase points as a check to my XXXX  XXXX XXXX account. 
Unfortunately, when I called chase again on XX/XX/XXXX I was being told Chase will not issue me a check of {$1200.00} because the points were forfeited. I find it to be unacceptable because 1 ) Chase has the responsibility to at minimum issue customer a check for the points when Chase decided to close clients account without any justification. But Chase optimized the COVID-19 pandemic and defrauded a loyal customer reward value of {$1200.00} after customer paid {$2200.00} annual credit card fee ( XXXX per year for 4 years ).

2 ) The point expiration should be suspended for year 2020 due to Covid-19 pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: OH
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's now been over 120 days Experian has not resolved this issue. 

First Issue : Experian Lists a XXXX XXXX XXXX Account inaccurately and I would like it removed because the way they continue to list it derogatory, to further decrease my score, after months of requesting updates and sending supporting documentation. Ive enclosed supporting documentation. Please NOTE : how Experian reports this account VS the other credit bureaus. The credit bureaus also have the payment history listed inaccurate as well. This account must be deleted! 

Second Issue : Experian reinserted an account on my report, without my knowledge and it's my understanding that violates Federal Law. 

Third Issue : Experian is the only Credit Bureau that's reporting a XXXX   account that I have NO obligation to. I've been in contact with XXXX and they continue to harass me for a bill that's not listed as mine and they deny my request to provide more information regarding this account. I have no obligation to XXXX  or the original creditor.

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