BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-25
Company: Sequium Asset Solutions, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX of XXXX, I have XXXX XXXX, I keep the service 2 days, so I cancelled it due to XXXX XXXX  not having my desire channels. XXXX charged me for a month, I complained about them not honoring there 14 day policy of not paying if canceled within that time so they told me I didnt owe nothing. On XX/XX/XXXX I received a credit alert from the credit bureaus that a collection agency named SEQUIUM ASSET SOLUTIONS placed a collection amount of {$44.00} on my XXXX, XXXX and XXXX. I havent received any kind of correspondence, no mail or phone calls and it was just placed on my credit breaking laws pre the debt collection laws and Fair Credit Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Good afternoon, this will be my XXXX complaint against one of the most dishonest and untrustworthy companies I have ever dealt with, NAVIENT. I am a XXXX United States XXXX and a single father of XXXX children. Due to my divorce I filed for chapter XXXX bankruptcy on XXXX XXXX XXXX and was XXXX in XXXX of XXXX. I forebeared/deferred all of my federal student loans with no issues including the federal student loans serviced by Navient. The issue I am having is that in XXXX of XXXX I received a letter from Navients collections department stating that the Private student loan that I have through them is currently in default. I was completely unaware that I even had a private loan from them, when I enrolled at XXXX XXXX XXXX in XXXX I requested only federal loans and not to involve me in any kind of private student loan. The original balance was XXXX dollars give or take and is now over XXXX dollars. They never offered me any kind of help or rate reduction while on XXXX XXXX as my federal loans have. I am completely fed up with dealing with this company, on XXXX XXXX XXXX I submitted a complaint and it was referred to XXXX of their so called customer advocates I did not receive any kind of response to the complaint until XXXX XXXX XXXX. They responded only after I was forced to agree to their payment terms to avoid them garnishing my wages. I am dissatisfied with their customer service I was spoken to by their representatives rudely and disrespectfully as if I were a XXXX XXXX XXXX, I wouldnt talk to my dog the way they spoke to me. I never received any kind of correspondence or any kind of notification that my loan was in default until I received the default letter from their XXXX department. I have been making payments for XXXX months now and they refuse to reflect those payments on my credit report. I have lost XXXX home loans because of this dishonest behavior by them. If I had known ahead of time that the loan was behind I would have dealt with it before it got to this point. I also would like to know how I can be held responsible for a loan of which the promissory note does not have my signature on it. I requested a copy of the promissory note that has my signature on it and what I received was a promissory note with my name written in regular hand writing not my signature. I do have examples of my signature from that time period. CBFP I would like to know if there is anything you can do to help me out or if I am going to have to refer this issue to an attorney? How is their behavior legal? I will also be submitting this complaint to the XXXX XXXX, the better business bureau and anyone else that can do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Santander has failed to administer the settlement agreement in the case against 34 states for deceptive loan practices. Yesterday, XX/XX/20, they repossessed my vehicle. I am eligible for restitution under the terms of the settlement. Santander 's legal department and administrator, XXXX XXXX, is not telling their customer service agents about this settlement. Therefore the collections department repossessed my vehicle. Daily I received calls and their agents said they are unaware of the settlement. After the agent does a little research they said to contact my state attorney general. I told them I did. Santander is supposed to mail notices to consumers. I called XXXX XXXX and was told they had no database to begin administering the settlement. Santander 's website says the time frame for mailing notices to consumers that are eligible for restitution is not yet known. XXXX XXXX XXXX   XXXX I spoke to XXXX whose ID is XXXX. She was rude and asked for the notice that hasn't been mailed yet. XXXX said I need the notice or pay {$3200.00} within the next 9 days to recover my vehicle. I need my vehicle for work, which I just started one week ago. Please respond as soon as possible. Santander is doing the same as before the settlement. They are undermining the work done by the State Attorney General. What are my next steps?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: SLM CORPORATION
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In this COVID-19 pandamic, my daughter 's & my ( co-signer ) financial situation has changed drastically. We are struggling to pay our mortgage and other bills. As a co-signer, I have repeatedly requested Sallie Mae to defer the student loans of my daughter as per CARES Act, but they continue to harras us with phone calls & collection letters etc. 
I am a substitute at a local school here and my hours are cut considerabily ( 15 hours a week ) due to virtual class room arragement. After the CARES Act went into effect in XX/XX/XXXX, Sallie Mae went into my checking account and illegally debited funds for XXXX & XXXX months with out my authorization. I previously set up a 3 payment plan in XX/XX/XXXX, they continued taking out funds after the three month period as well. 

My daughter & myself can not make payments on student loans till the end of this year XXXX. I need your help to contact Sallie Mae and direct them to stop harrassing us and put a forbearance plan through XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: LEVEL 4 FUNDING LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This mortgage broker sends unwanted marketing SPAM emails every day : Level 4 Funding LLC XXXX XXXX XXXX, Licensed Mortgage Broker License No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX. 

I have repeatedly requested to be removed from their spam generating system, but they refuse to remove my email address. Can you please help? 

A complaint ( # XXXX ) was submitted on XXXX/XXXX/XXXX, and the broker responded saying, " We have searched all of our databases and contacted all XXXX XXXX XXXX XXXX to double check and make sure XXXXXXXXXXXX is unsubscribed on all current lists. This email address XXXXXXXXXXXX should no longer receive any correspondence from our existing lists and current XXXX XXXX XXXX XXXX. Sincerely XXXX XXXX XXXX XXXX, Broker/RI Level 4 Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ''. 

However, I am still receiving unwanted spam eamils from his company : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX I have records XXXX XXXX XXXX me repeatedly ( several XXXX XXXX day on occasion ) since last year. This didnt just start recently, as he would have you believe. For example, here are XXXX email addresses that were sent to our IT company on XXXX XXXX, XXXX to try to block them as spam on the server : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX I have received numerous unwanted emails XXXX this guy. He continually changes his sending email addresses, so that his junk can not be filtered or stopped. XXXX a sampling of the different email addresses XXXX used to send the unwanted emails : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX Level 4 Funding LLC XXXXXXXXXXXX Level 4 Funding LLC XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX Please re-open this complaint. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX - office XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I sent a cashiers check certified mail for XXXX. On, XX/XX/XXXX I  received the receipt from the Post Office of the check be received and signed for. On XX/XX/XXXX I received a statement saying I was past due on my payment. I immediately called and spoke with XXXX XXXX XXXX ext XXXX. I sent over a fax of the copy of the cashier check, the receipt from post office, and tracking information. Since the XX/XX/XXXX I have had a very hard time getting in contact with them and resolving this matter. I have always sent my mortgage in certified mail and as well paying monthly with a cashier check. Since this whole ordeal has happened I have received nothing but threats of selling my house. This is not my first run in with Chase home finance a few years the same thing where the check was taken by someone from chase and cashed. I had to get the attorney General 's office involved to resolve issue. I just want this fix so I can go on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I n 2001,   XXXX   XXXX   XXXX  issued to me a  XXXX  ending in   XXXX    XXXX .  <P/> Their 30-day late payment notice is still on my credit report.  <P/> I believe the statute of limitations has passed.  <P/> So I have tried to have this late payment removed. My lawyers have also filed numerous credit bureau appeals.  XXXX    XXXX   and their new credit card department in  XXXX   XXXX  (  XXXX  was acquired by  XXXX  ) refuse to remove this damaging statement from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: CCS Financial Services, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX continues to report derogatory information to the three major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : 1- Agreement with your client that grants you the authority to collect on this alleged debt. 2- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3- Any insurance claims been made by any creditor regarding this account. 4- Any Judgments obtained by any creditor regarding this account. 5- Name and address of alleged creditor. 6- Name on file of alleged debtor. 7- Alleged account number. 8- Address on file for alleged debtor. 9- Amount of alleged debt. 10- Date this alleged debt became payable. 11- Date of original charge off or delinquency. 12- Verification that this debt was assigned or sold to collector. 13- Complete accounting of alleged debt. 14- Commission for debt collector if collection efforts are successful. This agency has yet to  provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Consumer Portfolio Services, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX I received an alert stated that a hard inquiry as been made on my credit report. Their should not have been any inquires because I have not applied for anything. However, there was a hard inquiry from Consumer Portfolio Services. I purchased a vehicle from them in XXXX of XXXX as a desperate buyer. The loan itself, I will file a different complaint. I disputed the inquiry with the credit bureau and they did n't remove it and I have attmepted to contact XXXX but it only takes me to their collections department. More recently I received a letter from their attorney for debt collection.The company operated with a XXXX mentality and I no longer want to be silent about their way of doing business. They had no right pulling my credit report. No right

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: American Credit Acceptance, LLC
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 belongs to someone else

Complaint:
AMERICAN CREDIT ACCEPT, late payments who were never made. XXXX REMOVE THEM NOW. 



XXXX XXXX - Date opened - XX/XX/XXXX - This account only appears on XXXX it is really odd since it is the only i have on my credit report showing on a Bureau, remove them now. 


XXXX - Date opened - XX/XX/XXXX - This account only appears on XXXX, it is really odd since it is the only i have on my credit report showing on a Bureau, remove them now. 



Two inquiries who are - XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXXXXXX Utilities and Fuel XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Tried by company several times no statements ever sent went back to furniture store to tell them they couldnt find my account called again girl on phone couldnt find account and then it appeared on credit bureau as defaulted and I tried to clear it up for over 2 years

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 2021-07-23
Company: National Collection Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company reached out to me in XX/XX/XXXXduring the pandemic. I told them I was not working due to covid -19. I received a negative mark on my credit report. The company has been calling me repeatedly and told me they were not going to stop calling until I set up a payment amount. I told the agent I was not working and I did not have any income.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
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: Problem with personal statement of dispute

Complaint:
My loan was reaffirmed XX/XX/XXXX and mortgage company is trying to submit my default payments from XXXX for the purpose of getting credit agencies to not reinsert my loan that is open and current. 

The Fair Credit Reporting Act requires creditors to furnish complete and accurate credit information to the credit reporting agencies. If you have reaffirmed a debt and you are making timely payments to your creditor, the creditor has an obligation to accurately report your payment history to the credit bureaus. If they fail to do so, you are potentially entitled to recover statutory damages, as well as any actual damages you may have sustained as a result of diminished credit score.

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 2019-07-25
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2019 SCA Collections added a debt to my credit reports in the amount of {$75.00} without giving me written notice or a chance to have debt validated.

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 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I contacted Transunion in  XXXX  to notify them that  XXXX  inquiries had been removed from my report and with in 2 weeks  later they reappeared. I contacted them numerous times ; however, the representative only kept informing me that is was an error and the inquiries should in fact be on my report. I asked them numerous times why I was not notified on them being removed and being placed back on and she simply kept informing me that they did not have to notify me about my report.   XXXX  I am exhausted and I have spent numerous hours trying to get this resolved ; however, Transunion has not been willing to cooperate.

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 2019-07-25
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Initial contact in XXXX, i was contacted about this unknown debt. I said i need documentation and everything in email. The man got upset and started yelling that they will proceed with further actions if i dont pay now. 

XXXX, They assigned different associate to my account. She continue to call leave disturbing vmail XXXX XXXX. She says she has my information and will contact where i work to levy my paycheck. Again i asked for documentation about this account and they continue to ignore my request. My only form of contact is email i said since they dont have phone manners. 

They attempt to levy my account every year. I do not have money and they dont seem to have my correct information to serve me. Because that account was not my doing. This account was from identity theft and now i am haunted by this horrible law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have mailed two certifed letters to Receivable Recovery Services , LLC requesting Validation of Debt and HIPAA authorization. RRS has responded to my letters twice but have failed to provide me with the requested information validating this debt. They have ignored my requests, yet this debt still shows on my credit report. I don't know how they are able to just ignore my request and violate the law as they have done. 
I have also sent a certified letter to XXXX, in which they stated they verified that this debt is mine and is being reported correctly, however during the verification process they still didn't send me anything with my signature to prove that they debt was mine. The debt is in the amount of {$190.00}. My questions to XXXX  are : Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 
Blacks Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Experian Information Solutions Inc.
State: IL
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:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile 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 non-monetary relief