BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-28
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I called American Education ServicesXXXX for approximately a year to ask about getting a lower payment plan and I was told contradicting stories. I would call and was told that I did not qualify for any lower payments. Then, I would call back a couple of months later and be told that I could apply for a lower payment plan. However, when I would call to check the status of the payment plan, I would be told that I was given incorrect information. I was even given an application I was told to submit for a lower payment plan but, XXXX kept denying my application for failure to put " N/A '' in the blank spaces. My application was denied 3 times for failure to use " N/A. '' In the meantime, my account was falling past due and XXXX referred my account to a debt collector. The debt collector found my work information and left a voicemail on work phone. I had not provided XXXX any information about my employer and did not give them or any other third party permission to call me at my job! When I called the debt collector, I informed them that I had paid my account via XXXX and that they did not have the updated information. When the debt collector conferenced XXXX into the call, the XXXX agent confirmed that I made a payment but, then the amount that I owed changed. I also asked XXXX if they informed the debt collector that I had been calling XXXX asking for help in reducing my payments and asking if I could get help catching up and if XXXX had also informed the debt collector that I kept getting the wrong information and having my applications denied from XXXX. The XXXX Agent 's response was that there was absolutely nothing they could do for me and that I would have to leave my account in collection and then wait for XXXX to make a decision on my application. After the phone call, I called XXXX directly and asked about a payment plan once again, the XXXX agent told me that she reviewed the notes on my account that the agent from the previous call had told me the wrong information about not having any options. She told me that I had the option for a lower payment plan and said she would only need to read a disclaimer before I could be put on the plan. It was only after continuously having to call XXXX, having them send my account to collections and having them play games with me for a year, that I was able to get some relief. My credit has been ruined by XXXX and they seem unwilling to work with me often. I do not think it is right how this company lied about my options and my credit has suffered as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: TX
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:
Collections Deemed Fraudulent - XXXX XXXXXXXX XXXX XXXX Only Reporting on EXPERIAN-NCAC, I have asked on several occasions to Delete the fraudulent account from my current credit report since it is severly impacting my 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 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several creditors who pulled my credit report without my permission. TransUnion wants me to approach the creditors and get permission to remove the hard inquiries. There are even some companies that have ran multiple inquiries.Transunion is also asking for a personal statement to remove the hard inquiry. There is no process to remove fraudulent hard inquiry on credit report on their website or by phone call. Spoke with customer service and supervisor at TransUnion, they will not provide evidence that the creditor pulled my credit report legitimately or had permission. This is double standard. They are asking me to do the legwork of contacting creditor and getting a letter but they will not do the investigation themselves nor provide evidence that the creditor pulled my credit report legitimately. I need help with removing the hard inquiries on my credit report with TransUnion. I do not feel that I should have to contact creditor, get a letter, do the investigation and waste my time when I did n't authorize it in the first place. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD E DELETED ASAP Thanking You

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 2017-02-22
Company: UMB FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I wrote a check to a con man and I want to find that man and sue him to get my money back. The trouble is that I do not have his true identity or a location so that he can be served or arrested or anything else. 
However, in order for him to cash my check he must have had an account or must have shown valid ID. If I can find out the bank or banking entity that accepted the check when presented by the con man, I could have that entity subpoenaed or served or whatever to investigate the circumstances related to this check, which was the financial aspect of what was ultimately criminal activity. 
I asked my bank to help me at least identify the corresponding bank or banking entity that received the check, but they tell me their systems only process requests that verify that the account number is valid and that the dollar amount of the check is in the account, and they claim they have no records that would reveal what banking entity was on the check-cashing end of the process. 
It makes no sense to me that there is no tracking through the Federal Reserve check clearing system, but so far no one has been able to tell me what entity has tracking info or how I can ( via subpoena or something ) obtain it.

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 2017-03-17
Company: Accelerated Receivables Management, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a contract with safe touch. My records confirm the 3year contract with the company. The bill was forwarded to the collection agency XXXX. I spoke with a rep regarding the balance and advised her of the disputing information. She advise me otherwards and outright told me to pay the debt. I advised her that I needed validation of this debt. she went on and finaly hung up in my face. I then called back and asked to speak with a manager. A woman named XXXX XXXX falsley represented her self as a manager and placed male on the line that failed to confirm that he was a member of management. The call was then transferred over to XXXX XXXX whom automatically came off unprofessional. XXXX XXXX hung up the phone in my face after saying lets take this to court when trying to speak to him about the issue. In 8 attempts in calling back for help in obtaining the validation of debt they continued to hang up in my face. A rep finally picked up the phone and then transferred me to XXXX XXXX again and XXXX XXXX continued to prevent me from speaking to resolve the problem. After two other times in call and him hanging up in my face, he then stayed on the line only silent enough to give him the dates of my contract. XXXX XXXX then placed me on hold to finally pull up the contract confirming the dates. He then went on to tell me the last date in XXXX of 2016 I was past due. I attempted to advise him that the account was always paid ahead prior to the last payment that took the account out to either XXXX or XXXX without needing another payment. However continued to accuse me and of other things in which was untrue to the point where I couldnt take anymore. This company as well as XXXX has shown no signs of resolving this dispute. If the account was showing accurately arrangements would have been made, since this has been erroneously reported out to the credit agencies for my other creditors to see in which it will impact my annual review.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I refinanced my mortgage with cashcall mortgage and was told there would be no costs at all to me. The loan officer insisted that they needed to add the amount of my next tax payment into the loan amount and that they would pay this payment even though I would be paying all future tax payments directly. This is all well documented in the closing settlement statement, but when I called to check the status of them paying this tax payment, I was told that they were not paying this as it was not an escrow account. I finally spoke to a supervisor ( in XX/XX/2017 ) and he acknowledged that something was not handled correctly and that I would be informed of their resolution by XX/XX/XXXX. As of today ( XX/XX/XXXX ) there still is no resolution, just stalling by this same supervisor who says that there is no person above him that can help me and there is nothing he can do. This is obviously mortgage fraud and they owe me {$1600.00}. The supervisor is XXXX ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo sold my mortgage to XXXX I was a little behind on my mortgage and they wanted me to sign for extended years to XX/XX/XXXX I bought my house in XX/XX/XXXX thats a fifty one year mortgage. And i did not sign any papers so they sold it to XXXX saying i was in Bankruptcy. My wife filed for bankruptcy in XX/XX/XXXX and it was nothing to do with Wells Fargo so how can they say and do this 4 years later and exspecially when it had nothing to do with Wells Fargo. So Wells Fargo is having XXXX as a third party that I pay XXXX more a month than I did before.

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 2015-07-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
requested credit report from XXXX on XXXX/XXXX/15 found that chase was reporting negatively on my report as of XXXX/XXXX/15. i am attaching a copy of documentation reflecting timely payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Clay Chapman Iwamura Pulice & Nervell
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
A letter from CLAY CHAPMAN IWAMURA PULICE & NERVELL, a debt collector conveys in its letter that XXXX XXXX XXXX, XXXX XXXX ( " XXXX '' ) is a servicer. The tort Is that XXXX has XXXX standing to foreclose according to the definition of " creditor '' in the Fair Debt Collection Practices Act ( FDCPA '' ). 
Go to the XXXX Attachment. 
Approximately two weeks later, a XXXX XXXX XXXX from CLAY CHAPMAN IWAMURA PULICE & NERVELL, a debt collector, conveys in a letter that SHE has been retained by XXXX, and XXXX is not listed as a servicer as the First Attachment conveyed, but as a Creditor in the Third Attachment. 
Go to Third Attachment.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Mortgage has reported a late payment on my credit report. To my knowledge, I have not been late in over a year. They are giving me conflicting information, hard to get ahold of the escalation manager on my case and then sent me a letter saying they have been trying to get ahold of me when I have been the one calling them multiple times and leaving messages. I have made my payments using their website. They have transferred my mortgage to XXXX and now I no longer have access to my online account, taking away large pieces of information I need to properly dispute this negative credit reporting in XX/XX/2016. Proof has been submitted and still rejected by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Westlake Services, LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
They contacted my mother house on XXXX/XXXX/2015 around XXXX. My mother picked up the phone and has a similar name as me. She disclosed all my info and told her how muched I owed. My mother is from a different XXXX and did not understand what the female was saying. At that time she handed me the phone and I asked her what she said then she asked how would I like to pay it. To my understanding with the FDCPA XXXX of the steps is to verify identity like my birthday or my last XXXX digits of my social. If that was done at the beginning of the call my debt would not been disclosed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My XXXX XXXX account is showing 41 % credit utilization there is less than 10 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10
Company: Colony Brands, Inc.
State: IN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This account is appearing on my credit report along with XXXX others that share the same address. I 've never heard of these companies. I 've written to them asking for debt validation and something with my name on it stating I agreed to do business with them. This was over 30 days ago. I sent the same letter to the credit bureau however they have failed to provide me with anything from these companies as well.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My student loan servicer Navient has for the last two years made signing up for a repayment plan that fits my budget extraordinarily difficult. Last year it was failing to process my IBR renewal in time and letting my plan default to the 10 year schedule. This year it is attempting to defraud me of more money by failing to accurately verify my household income. And this is on top of the already usurious interest rate I am charged by the federal government. 

The fact that this life destroying evil is allowed to fester and get worse is a testament to how corrupt this country has become. This once proud American is now ashamed to call himself one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF 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 explanation
Consumer complaint received 2023-02-06
Company: CBC Companies, Inc.
State: PA
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:
Innovis assumed a role and is reporting accounts that are under litigation via borrower defense for misconduct and fraudulent practices. These US DEP of education accounts are incorrect and should not be reported while under investigation. I want these accounts removed immediately or I will seek legal action against Innovis as well. 
XXXX XXXX is a federal regulation issued by the U.S department of Education. This school violated the law, misled me, performed misconduct and I suffered monetary harm. 
XXXX XXXX Case # XXXX filed XX/XX/2022 US Dep of Education XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have been trying to get a financial record from Navient regarding my loan consolidation, XXXX loan forgiveness granted and additional funds that a particular university claims they sent me a check in the mail directly. I have been asking Navient, Working with an Ombudsman for months now. The Ombudsman says that he is having the same difficulty obtaining the the documents. Now, I am being called about 5 times per day and threatened about default from Student Assistance Corporation. They have sent me paperwork for forbearance. I am supposedly on Income Based Repayment with Navient? I do not want to default on my loans, but I want to see the accounting for what they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A fraudulent card was opened in my name that I never applied for. Card balance is at {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: IL
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am filing this complaint with your company DIVERSIFIED XXXX this account number is reporting on my credit report as if I have a debt with your company. I am have been a victim of identity fraud I never had an account with your company nor was I notified that a outstanding balance was due on any account that I have opened. Please Validate the debt that your company is reporting to my credit report.Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I request proof that I am the party which has a binding obligation to pay this debt and only by providing the following documents will legal validation be satisfied under the law. 

Complete balance and payment history, if any, to show amount sought is accurate ; the requirement of which has been established via XXXX. 
Agreement bearing my signature where I promised to pay you or another creditor the alleged debt. 
The agreement granting you the authority to collect on this alleged debt and if purchased, proof of the amount you paid for the debt. ( XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX ) - ( Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. ) Provide proof of 1st delinquency and last payment date to original creditor, if any. 
Evidence your legal registration and bonding status for collecting debt in the State of CA.. 

I know my rights. I know that upon this notice you are required to cease all collection activity until complete validation is provided in writing. I know you must cease all phone calls to me whatsoever and may only communicate in writing to provide me complete validation or to notify me that you are closing the account and cancelling your collection efforts. I remind you that many courts have ruled ( XXXX UNITED STATES DISTRICT COURT, XXXX, to name only one ) that the reporting of a collection account to a credit reporting agency is also collection activity and therefore, since you have reported it you must have it deleted from my credit report. Simply placing an " in dispute '' statement to the credit report violates my rights under law. I would suggest you check with your legal department regarding this as I intend to hold you accountable should my rights be violated any further. 

It is my intention to enter into good faith negotiations to settle the debt in question only when and if proper validation is provided. I look forward to a speedy resolution of this matter.

Company response to consumer: Closed with explanation