BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-31
Company: Navient Solutions, LLC.
State: NY
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:
Hello, This is in regards to my Student Loans, Personal and Federal, being serviced by Navient. 
My student loans were due for repayment on XX/XX/2015 and I created a bank account to fund the repayment from an addition job I started just for repayment a year earlier. I have called in XX/XX/2015 and was told no payments were necessary and I could wait until XX/XX/XXXX. 
On XX/XX/2015 Navient successfully performed a " XXXX Dollar Debit '' to test drafting from the account. On XX/XX/2015 Navient informed me that they tried to draft from my account and the bank was unable to find my account. 
Between the XX/XX/XXXX to XX/XX/XXXX, there were multiple retries until I transferred the finds to another bank and submitted payment over the phone. However, by that time, the first payment grace period was over and all benefits such as a lower interest rate on some of my loans and Cash Back were removed from my account. I was promised that the rate would be lowered if I did not miss any payments for a year but nothing has been done to-date and I have never missed a payment, sometimes overpaying to reduce principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: LDF Holdings, LLC
State: CO
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a loan from Send Loan for {$600.00} and was unfer the impression that I would only be paying back that amount plus some interest. I see now that they plan to debit my account every 2 weeks for {$190.00} until XXXX of 2016 which makes me paying back over {$4000.00}. There is no break down on the repayment schedule as to what is interest and what is the primary amount. Plus I can not get them to provide me with anything that would give me that information. I would have never taken out a loan that would require this type of repayment. Plus now I see that it is illegal to lend anything over {$500.00} in the state of Colorado. Please let me know what steps I can take to resolve this problem. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Green Square Company LLC.
State: SC
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
They have called my work place HR Dept and tried to get my SS # and threaten to garnish my wage. If they garnish my wage I could lose my job.

Company response to consumer: Closed
Consumer complaint received 2017-03-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I wanted to see I can can get a credit increase on my credit card from chase bank so I asked and at first I really did not understand the girl but I started to listen really hard and I started to pick up what she was talking about. we went through the process and then I was declined and then she told me that after 180 days you can ask for a increase than I told her then why didnt you tell me before because I would of said no I have only had my card for 4 months and at XXXX after 3 months you can ask for a credit increase, but they didnt tell me until me until after the fact and they keep saying that I gave the approval for the go a head to run the credit, these people lie just to run your credit score and are very unprofessional, while talking to XXXX I had asked him to let me speak and he did and when I asked him a question he would not answer back or respond he would just stay silent then he would say why I am letting you talk, he was acting like a child.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27
Company: Midway Resolution Services LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call from XXXX with Midway Resolution LLC ( XXXX ) in XXXX indicating the failure to pay and they were proceeding with necessary court documents. I spoke with XXXX and stated I had no idea of what he was referring to and he claimed it was a debt with XXXX (? ). I explained that I dont know of this company and asked for a verification of the debt. he said he would provide and would send to my email address which they had on file. Never received the verification of debt and no follow up call. In XXXX, I received a call from Midway and I call back explaining my situation. I asked for a Verification of Debt and the person whom I spoke with refused to provide. He started stating that I am just using the verification of debt to file a identity complaint or why do I need the verification of debt if I am saying I dont owe it? Newsflash -- my name is on this account and I want to know what I am subjected to. I hung up after I asked 5 times within the course of the 10 minute conversation for the verification of debt and he wouldnt provide. They called back on XXXX and left a threathening message saying that I have failed to comply and they are taking legal actions against me. The address they have on file is an address where I Havent lived in 5 years and I explained that to them. They also indicated they have sent many letters to the address on file and that the letters were never returned and basically, I had my chance and I blew it. Basically -- they dont want to provide me the Verification of Debt, so until provided, I wont proceed with their wishes.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-01
Company: Incomm Holdings Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was contacted by phone text. Claiming to be a winner of an enormous amount of $ who wanted to help me get back on my feet. Agreed to forward me XXXX on a prepaid vanilla Visa card. I did forward a picture of front and back of card, but never gave him the # on my receipt. How did he still get the money on the card? Checked Balance and I have {$2.00} left on the card. Im ashamed as to what I fell for. Please help me. I am already down on my luck. The phone # are- XXXX promised to pay- sent photo to this #. Contacted me # s- XXXX and XXXX. If you can get my $ back I would appreciate it dearly. I can give you the visa # card and info if needed. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: Bull City Financial Solutions, Inc
State: NC
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:
an unpaid utility bill that I can not pay ( {$310.00} ). renters in my home left this unpaid. I am XXXX and can not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company DiTech has not paid the last installment of my XX/XX/XXXX taxes to the town and now the town is placing a lean on my property. I have had issues with Ditech several months after they assumed the mortgage at the end of XX/XX/XXXX, as they replaced the property address with my billing address. I called the company repeatedly trying to have them correct the address change - which was not cleared in the system. At one point the customer service person told me that I was wrong on the address and to stop bothering them. I was so angered as if one holds a note on a property, you would think they would know the correct street address, town, state the property resides. At some point early in XX/XX/XXXX, I was told the paperwork was corrected but of course, this was not the case. As a result, the taxes were sent in XX/XX/XXXX to the wrong county/state for XX/XX/XXXX. My accountant noticed the incorrect address when receiving my tax paperwork in XX/XX/XXXX from Ditech. I immediately started making phone calls to find out the taxes were never paid for XX/XX/XXXX and this was XX/XX/XXXX. I informed Ditech and they told me they paid the taxes as checks were sent out that week I called. But come to find out taxes were not paid until end of XX/XX/XXXX and it was a partial payment. This week the town is going to put a lean on my property for outstanding taxes for XX/XX/XXXX. I again have called repeatedly and they keep telling me they will look into the issue. I have asked for a supervisor to call me back but with no response. The customer service person accused me of not leaving a message with the supervisor and hanging up. This organization is the worst with repeated misinformation, lack of response and follow-up, inability to do the job they are entrusted to perform and rude customer service accusations. I have paid on time and never missed a payment and expect them to act with diligence as this lean could affect my personal credit. I appreciate any assistance you can provide.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Experian Information Solutions 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:
Hello, I ordered my credit report for the first time in years in XX/XX/XXXX and discovered 8 accounts that were in question. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, Experian and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. 

XXXX  XXXX XXXX / XXXX XXXX has not and will not verify the account in question. This inaccurate information is reporting negatively on my credit report. 
I've been asking for verification for 6 months in certified and notarized letters. 

They replied once on XXXX The letter stated the account had be sold to XXXX XXXX which also included a non letterhead computer faded copy of a copy statement. 

On my credit report it's stating XXXX XXXX with remarks stating sold to another lender. I have no knowledge of this account which was opened in 2014. Please help me.

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 2017-03-07
Company: Peerless Credit Services Inc
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
XXXX XXXX XXXX not only did not verify my information other than a name before stating I owe money, next they refused to answer my questions about their validation process and immediately were rude informed me they would mark my file as refusal to pay which at no point did I state anything to that affect and I was told the file would be turned over to an Attorney. At no point did they listen to me or have any willingness to find a resolution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 have been charged wrongfully since XX/XX/XXXX. I calles customer service to make a payment becuase there systems online were not working and calling numerous times to get thru finally reached someone on XX/XX/XXXX to ask about bill. The representative assured me my only balance was XXXX so I becuase that was all that's owed she advice to me make this payment and your account will be satisfied. Then in XXXX again a balance of XXXX and additional XXXX charged again for no apparent reason no transactions were ever made and again balance showed up. Then representative fixed it. In XXXX it showed up again and called to get it fixed representative again assured me no balance that I in fact had a credit due to fixing issue. Then today XX/XX/XXXX, I have a balance again for the same thing I keep paying over and over. Victorias secret credit card has been taking money from me saying its late fees etc when I have not used my account and they have been advising to me payments have been satisfied. Every month is the same concern and I called them to get them to help on what is happening they say there is no balance but then it shows up again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I initially sent a dispute as the info on my TransUnion Credit Report is inaccurate as it related to a Chapter XXXX Bankruptcy. I received notice back they the information was verified and it listed it as being verified through the courts. I knew the filing dates were inaccurate so I pulled my file and sent supporting information and sent to the bureau. They still sent me back " Item Verified '' Therefore, they claimed to have gotten the information from the Courts and when I reached out to them ( the Courts ) they advised that they do NOT supply information to Credit Bureaus or 3rd party agencies. To better assist you guys in your research I have attached supporting documentation as it related to the bankrupty listed on my report ( s ) showing a filing date of XX/XX/2016 not XX/XX/2016 as reported to the credit bureaus. With that being said, it is my understanding since they are reporting inaccurate information this MUST BE DELETED as per FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. If you look at the attachment I have attached you will see clearly that the filing was completed on XX/XX/2016.. This items should be removed. 

Thanks in advance for your help in resolving this matter.

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 2017-03-31
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I do not know who this company is, never recur correspondence about this supposed debt. I am a military vet and I want this false collection removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-03
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
on XXXX/XXXX/2016 requested information about my bill ... .... ( dispute # XXXX ) on my bill it says amt. due {$770.00} so if my payment is {$420.00} and i have {$180.00} in late fees ... WHAT is the {$160.00} for and what am i paying on that late fees? interest? I want an answer a direct to my question not just some standard answer Are you connected to XXXX XXXX in XXXX that failed the US Federal Reserve Test? 
How many loans companies do you own Are you the Company that has lost XXXX class action suits ... XXXX for repossessing vehicles owned by the XXXX military? and XXXX for misrepresentation of value of securities? 
You have not sent me a hard copy of my contract in LARGE print like I requested I am requesting a month by month account of exactly how many days are in each billing cycle since the first month of my loan ... no i do n't want the standard answer you keep giving me i know the number of days vary I want to know the number of days each billing cycle on MY account starting from the beginning of my loan i want this sent to me in a hard copy

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: SUN LOAN COMPANY INC.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Sunloan is posting notices on my security door to apartment with personal info on it and releasing personal info to people on the phone when calling trying to get in contact with me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I received an alert of a collection bill I checked my credit report and seen that this account from XXXX has report that I owe them which isnt true this isnt my account which I disputed back in XX/XX/XXXX and the item was removed now we are here in XX/XX/XXXX and they have place this account back on my credit report with a different balance. This has dropped my score so very much and this just isnt fair and something need to be done about this. Again this is not my debt and it should not be on my 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 2017-04-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Both Experian say you can dispute the accuracy of the info in your credit report online, and I have provided, every which way to Monday, the info they are requesting to do but, keep getting and error message and/or a message that they " are unable to process [ my ] request at this time. '' This has been going on for over a week, over 30 attempts with the same type of response, so you really are not able to get your report and dispute the items online as advertised.

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 2016-09-03
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have paid my boat loan in full and Santander Consumer and It 's been several months and I have not received the title for my boat, motor, and trailer. I called Santander and they claim that they mailed it, but that is a lie. I have been checking my mailbox daily and I have not received anything. They are asking that I get a lien release or duplicate title at my own expense by going to " XXXX '' which is not even affiliated with them. I tried obtaining the lien release at that website and could not get it done. There is no phone number listed on that webpage so I can speak with someone either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
please please please can yall make these bureaus obey the law. when XXXX had a breech last year all of a sudden I had collections accounts,3 different ss numbers, different addresses, and new opened accounts that didn't belong to me..some information was removed like the addresses, ss numbers but they refused to removed 4 collection accounts they continue to send back verified when I asked them for the method of verification I am constantly ignored by law this is against my rights and against the law .The law states that the bureaus must report 100 % accurate and true information.they refused to verified the accounts below These accounts in question are 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX MANAGE SOME OF THESE COMPANIES ARENT EVEN LEGALLY ALLOWED TO COLLECT IN THE STATE OF LOUISIANA.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I was expressing my right to demand that the bureaus disclose there compliance with Metro 2 and disclose to me all of the documents that they have recorded and retained in there files at the time of this request concerning the accounts that you are reporting in my credit report.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA because they refused to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2017-04-01
Company: Credit Protection Association, L.P.
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 was paid

Complaint:
Credit Protection is reporting negatively on my account.

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