BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-07
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Original loan was bought out by Navient. Began to notice that the loan payment was increased. Called company and was told that the interest rate increased. Was informed of what total amount to pay. I use automatic banking so I set that amount and payments continued with the updated amount due. Received letter stating my loan was late and fees were included. Called and company informed me that the date due was wrongly confirmed during my last phone cal pertaining to amount change. I then had to go in and while on the phone with customer service changed my online banking again -- confirmed the amount due monthly ( {$120.00} ) and the monthly date each payment should be sent ( XXXX ). A few months later, I began to receive notices that payments were late. NO changes have been made as I do not agree and am not comfortable with the unilateral changes to my account, and the constant harassment ( phone calls and letters ). Please help stop this company from lying and cheating!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX {$89.00} XXXX {$760.00} XXXX {$220.00} XXXX {$100.00} XXXX {$250.00} XXXX {$330.00}

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 2018-06-13
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to contact XXXX XXXX XXXX XXXX XXXX XXXX regarding this debt unfortunately a previous roommate took my information and ordered items without my knowledge I do not have any information on how to track them down I have been trying to resolve this for quite some time now please consider removing this account from my name as I did not incur these charges. I have tried to contact XXXX and XXXX and XXXX agency regarding this debt unfortunately a former roommate took my information and ordered items without my knowledge. I do not have any information on how to track them down. I have been trying to resolve this for quite some time now without any luck. please consider removing this account from my name as I did not incur these charges

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: ASG Solutions LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a voice mail from XXXX and XXXX and XXXX today within 3 hours and the messages indicate that they are after me and that the police will arrest me and to call now. That there are serious allegations against me. One Company listed was ASG.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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 bought a car on XX/XX/XXXX and gave permission for XXXX XXXX to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. 

XXXX XXXX XXXX XX/XX/XXXX Citizens One XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. 

Please help me to fix this problem. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/21 Sent a letter via certified mail to Experian. Tracking number XXXX XXXX XXXX XXXX XXXX. Letter stated rights being violated and ask to have my personal information removed from consumer file.

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 2022-01-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo was picking and choosing when a what statements to post on my accounts I had made payments on mine and my boyfriends XXXX XXXX XXXX XXXX  and after the one payments were accepted and deposited to my account Wells Fargo without my permission dispsuted the transactions and never returned my money causing XXXX to close my account even effecting our credit.It was closed due to multiple payment returns that we did not request Wells Fargo to due and money was never returned to me.Wells Fargo even tried to charge me 35 bucks for a return fee which they did without my consent.I already made a complaint and got a lie for there answer and I will provide that with the proof that there lying the first 6 attachments will prove the lying them taking and not returning my money they even altered my transactions so u cant even see when they took the payments out and no showing it was returned

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 2023-01-10
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:
I have tried to address the issues with the company numerous times by phone and Letter see attached

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 2020-06-05
Company: JPMORGAN CHASE & CO.
State: TX
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 would like assistance with disputing a charge on my account for {$1300.00}. It was paid to Chase Slate Visa Credit Card XX/XX/XXXX and XX/XX/XXXX. In total they charged me {$1300.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. it has been more than 60 days and these items are still on my report. if these items are not removed, I will be forced to seek legal actions since I feel that I am being taken advantage of and this situation is preventing me from progressing in life. I even sent a notarized affidavit concerning this issue. section 611 ( a ) states that a failure to investigate items accuracy within 30 days gives a reason to immediately remove those items from my credit report. I would appreciate an update immediately at your earliest convenience so that i will not have to take legal actions and file another complaint elsewhere. 


Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XX/XX/XXXX my husband XXXX was laid off due to covid 19 and his company having to temporarily close. I applied and was approved for a forbearance plan with my mortgage company. Since that time I have been attempting to apply for mortgage assistance and having the missed payments added to the end on my loan. I have made over 20 phone calls to specialized loan servicing. At first I was told my application was complete and just waiting on a decision multiple times Then on XX/XX/XXXX XXXX I was told my application is to light and I need to resend. I was told it had to be scanned so I had to go out an buy a printer and scanner ( I spoke to XXXX at XXXX explained I live in NY and am under strict quarantine but he said that was the only way my application could be accepted ). So I did that and resent Then on XXXX at XXXX I spoke to XXXX who said everything was recieved and awaiting decision. Again on XX/XX/XXXX XXXX everything was accepted waiting on approval. Then on XXXX I was told they needed an original application that I must print and mail so I did that. On XX/XX/XXXX called at XXXX said application was received and now need pay stuns from XXXX since he is back at work. I sent pay stubs. XX/XX/XXXX XXXX said they need a months worth of pay stubs when XXXX was now back at work for a month told them I would send on XX/XX/XXXX which I did and its registered on website that 4 weeks worth of pay stubs have been received. Also on XX/XX/XXXX I was told I needed to provide disaster documentation and insurance company claims. I explained I was not part of a disaster and receved no insurance funds. I was told I had to write a letter starting such which I did and uploaded on XX/XX/XXXX. Now on XX/XX/XXXX I just called and spoke to XXXX at XXXX. Said I have to show proof I am not part of a disaster recovery and also additional pay stubs for one consecutative month. I explained they have all of this, She said she will submit application but will not be approved. I am so frustrated. This is becoming a full time job. My husband lost his job fir 3 months all I am asking for is to move the payment ffom XXXX to XXXX to end of loan and I will start making payments XX/XX/XXXX. What a terrible company to deal with absolutely no compassion and I am a XXXX XXXX XXXX. I work in a XXXX  with XXXX XXXX XXXX each day and have to come home and fight with Specialized Loan Servicing

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 2017-12-08
Company: CITIBANK, N.A.
State: GA
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:
In XX/XX/XXXX, CitiFinancial claims I had a personal loan with Citi Financial for {$5400.00}. 
- In XX/XX/XXXX, they stated there was an agreement where a term of no interest, penalties or fees on the remaining balance ( 2 years old ) and monthly automatic payment were withdrawn from my bank account. 
- At some point, the auto withdraw was stopped. I assumed the debt was settled. I never was notified about any other dept or balance. 
- They ( Citi Financial ) told me today that on XX/XX/XXXX, they did charged off for the balance of this account. 
- In addition, they ( Citi Financial ) said on XX/XX/XXXX Citi Financial filed and received a Judgment in the amount of {$5.00}, XXXX. More than the initial debt and no credit for monies paid. 
-I bought three different homes. All three were through XXXX XXXX. Both myself and my load officers contacted Citi Financial and was told no debt was on file and no outstanding debt was owed. These documents were part of my loan closing. In addition, the three credit bureaus removed the information from my credit report. 
- Now, here in XX/XX/XXXX, they are sending me a " Notice of Forgiveness '' for the amount of {$2600.00} ( 9.75  years Later? ). I will be given a XXXX for that debt. 
Should I not have gotten this XXXX when the alleged account was Charged off in XX/XX/XXXX? Or, some attempt to collect in XX/XX/XXXX? How much were the automatics payments taken from my bank account? 
- I am disputing this attempt to issue me a XXXX on the alleged account and the balance of {$2600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: LDF Holdings, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
My name is XXXX XXXX. I am a XXXX Consumer from  California. At XXXX XXXX today on my cellualr telephone ending in XXXX I got a SMS Need FAST CASH!? Apply NOW at XXXX. XXXX XXXX XXXX To Stop XXXX XXXX is not ok and woke me up. This is a violation of the California Rosenthal Act to say the least. Contacting any consumer before 8AM is not allowed. 

This complaint also involves the parent company LDF Holding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Attorneys for XXXX XXXX XXXX sued XXXX XXXX in XXXX County Court for an debt owed to XXXX XXXX XXXX XXXX. The debt was settled amicably in said Court on XX/XX/XXXX A clearance of the debt and all relevant information was immediately forwarded to Credit Bureaus Experian, XXXX and XXXX. 

Experian and XXXX have failed or denied all attempts mark debt accurately. 
Several more attempts have been made to clear this matter, including direct calls to bureaus representatives, to no avail. 

As of XX/XX/XXXX, Bureaus Experian and XXXX still advertise the debt as outstanding and late.

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 2018-04-16
Company: Direct Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company left a voicemail on my phone, my Mom 's phone, my Grandmother 's phone, and my Sister 's phone ... It's the same voicemail.

I got a call from this XXXX number today, XXXX The message is automated and does not state who they are or that they are " attempting to collect a debt. '' They call repeatedly from other phone numbers, XXXX XXXX and when you call back it goes to the voicemail of XXXX XXXX. WHO IS XXXX XXXX?

This is a confidential message for ** if you are not ** you must hang up now. Hello, this is XXXX  ( I can't make out the last name ) and your account has been audited internally and you do need to call our office before scheduled advancement of your account. This will be the final call the phone number is XXXX we do have authorization to offer the following below blanket settlement on your balance of XXXX  a 40 % settlement of XXXX  a 60 % settlement in 3 payments a 80 % settlement in 12 payments of XXXX. Settlements must be setup within the next two days please call XXXX  again it is important to put a hold on your file today thank you to pay online go to XXXX and click on the login you will need your account number and zip code your account number is XXXX and your zip code is XXXX.

Have never received anything in writing and they are leaving these voicemails with my personal information on other 's phones. The first call I received was XX/XX/XXXX from XXXX and I have not received any written information about this supposed " debt. '' Direct Recovery Services is the supposed name of this company. When you log into that website, it asks you for the account number and zip code and then provides my name and last four of my ssn, so anyone could login and get my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 filed 3 disputes with collection agency and have been in contact with creditor several times. I do not owe money on the old account. My contract expired, i did not renew and company owes me my security deposit. Credit bureau refuses to remove the inaccuracy

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 2018-02-02
Company: ResidentCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Innovative Recovery has opened a false collection action from XX/XX/2015 in the amount of {$2100.00}, this debit is erroneously on my credit report and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Bank of America and XXXX XXXX have withheld information that allows me to sell my property. They have demonstrated predatory practices and should be held accountable to the fullest extent of the law. Although I have made several calls to Bank of America, they have intentionally withheld information about the sale of my mortgage to XXXX XXXX. In addition, XXXX XXXX has delayed and continues to withhold information from me and the title company stating they can not share information over the phone. Furthermore, they require me to pay for documentation or receive it via mail, intentionally delaying sale my property.

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 2019-01-29
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In the month of XXXX i was expecting a deposit from a XXXX XXXX after receiving double debits to my account the bank requested that i open a new checking and savings and close the checking account and take the money that was in there out at this point the depositor is XXXX XXXX after the remainder of my funds were received and carried over to the new checking account because of the double debits a hard hold was put on my account until it was fixed requested by me. There was a deposit that came from XXXX XXXX which i have proof that hes the depositor someone then creates a depositor by the name of XXXX XXXX  and says that they received the funds out of my account which after getting a letter from this merchant it is showing that someone created the check situation to steal he funds out my account the merchant listed has wrote a letter on my behalf stating that they never had my account info at all and did not receive funds out my account also also there is a wittiness from wells Fargo bank who heard he debit thefts from my card i want a refund back into my account for the stolen funds

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 2021-08-20
Company: EQUIFAX, INC.
State: CA
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've contacted Equifax XXXXXXXX and XXXX I was able to dispute everything that needed to be disputed on my credit file with XXXX and XXXX however Equifax gave me a hard time and told me I would be unable to dispute so I am filling the complaint with you guys in regards to this matter there has been fraudulent activity on my credit file and it needs to be removed There is over 50 inquiries on my credit file accounts opened that I never opened nor have any knowledge of and accounts that should have been removed due to the pandemic that have not been

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my Attorneys sent CALIBER HOME LOANS, XXXX XXXX XXXX XXXX. and the XXXX XXXX XXXX XXXX C/O: XXXX XXXX, at XXXX XXXX XXXX, XXXX, XXXX, TX XXXX, along with a copy to the Attorney General of Texas, and the Department of Justice of the U.S., FBI, Fraud Investigation Department, along with XXXX XXXX XXXX, XXXX, ( Servicer ), the attached letters requesting TILA documentation under Regulation X and to date, they have still not replied. On my Deed of Trust signed on XX/XX/XXXX ( attached ), specifically on page 13 of 16, number 24, it clearly states that only the LENDER can substitute the alleged TRUSTEE. Yet on or about XX/XX/XXXX, XXXX XXXX XXXX, acting as Vice President of/obo Attorney in Fact for Caliber Home Loans, Inc., the  SERVICER, allegedly assigned my Deed of Trust to XXXX XXXX XXXX XXXX, ACTING AS TRUSTEE FOR THE XXXX XXXX XXXX XXXX at the same address as Caliber Home Loans, XXXX XXXX XXXX, XXXX XXXX OK XXXX, which we believe to be a fraudulent document recorded on Public title which is a felony. Also, there is no mention of the assignment of the Note which violates the FCPA, 15 USC 1641(f)(g).

Company response to consumer: Closed with explanation