BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-30
Company: Siggi LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I called Omni Financial twice and they did not have any information on the alleged debt but they are still furnishing this on my consumer report. They are unable to provide me with any documents regarding this account for me to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I began working in a XXXX in the state of Virginia in XXXX of XXXX. After working for 5 years in a XXXX, I submitted the necessary paperwork for the XXXX loan forgiveness program in the XXXX. I had done much research to ensure that I qualified for the program and I should have received XXXX dollars in loan forgiveness according to the application for the program. 

I submitted the paperwork through Navient and got a letter two weeks later saying that I did not qualify for the loan forgiveness program. I called Navient to see what went on with my application. They told me that it was not them, but the federal student aid office that denied me from the program. I called the Federal Student Aid Office who told me that they had not received any information in their systems that I even applied for the program and that I absolutely did qualify for the loan forgiveness, they made it for XXXX exactly like me. They told me to reapply thinking that Navient XXXX up. I reapplied again a few months later. This time, faxing my application from my XXXX thinking the letterhead would somehow make a difference and it would be faster. Two weeks later the same thing happened and I got a letter saying that I did not qualify for the program. I called Navient again to question them about why they denied me and they said that I had filled out the wrong paperwork, because my XXXX signature was not in the right place on the document. I had a scanned copy and looked it over and found of course, no such mistake. The paperwork was also correct and had not reached the date of expiration. 

Despite this runaround, I got everything together the following year in XXXX and I submitted for a third time through fax. I even wrote third attempt in big letters on the cover page. I got a denial letter again, even after having a coworker qualify for the same program and get her XXXX worth of forgiveness. I now work at another XXXX, this being my 8th year as a XXXX in a XXXX. 

I was going to write XXXX XXXX and try filing again. I would n't know about what lawyer to contact, but they I saw your recent lawsuit against Navient. I think they are guilty of mishandling my loan as well. My forgiveness amount would have erased XXXX of my loans and I believe they wanted my interest and did n't properly submit me for the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On the morning of XXXX XXXX, i viewed my account aswell as took a screen shot, and it showed that my mortgage had posted. This left me with a positive balance of {$57.00}. I have provided this screen shot as an attachment and it can be seen that at this time items were pending, but had not yet posted. Two days later, the bank alterted the bank activity shown, and placed those same pending items ahead of my mortgage payment causing the account to go negative. The bank uses this tactic to obtain a fee because my mortgage payment is a preautherized debit. I am oppted out of " overdraft protection '', so the only way my account can incure a fee is through checks and preauthorized debits. The bank has made it common practice to alter the order in which items are processed in attempts to gain an account fee. I called the customer service line for citizens bank, and spoke with XXXX. XXXX would not except my screen shot of the true bank activity, and transfered me to a " specialist ''. XXXX, the specialist, also refused to except my proof. Her explaination is that the pending purchases were, " live swipes '', and go through immediately before any other transactions. I find this untrue because they were in a " pending '' status on XXXX. On other occasions i have been told that pending items are dependant on the merchant, and how quickly they notify the bank of the purchase. I have also been told by XXXX that larger amounts, such as my {$940.00} mortgage payment, go through first. She then retracted her statement during the call because i had informed her that the pending items were small purchases. My conversation with these individuals was recorded by citizens bank. XXXX put me on a long hold to speak with her manager, and when she returned she stated that my case was forwarded to the chairmen. She then stated i would hear a reply in 3-5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-12-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
They said they were given my account from the current mortgage company i use. They offered me a price to refinance my loan then gave me a closing cost detail list which did not make sense. The payoff on XXXX page is different then the total payoff on the loan. He rambled around trying to tell me what they were trying to charge me for. The average person would get screwed unless you know what these guys are trying to pull over to get their XXXX fee. They are dishonest and their numbers do not add up.

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 2021-12-30
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/21 I was in an accident and my vehicle was deemed a total loss. While working with the GAP coverage policy holder ( XXXX  ) I was given a list of items I needed to obtain from the finance company and the insurance company. I received the documents from XXXX with no problems or questions. Bridgecrest on the other hand has yet to comply with any one of the requests for these documents. Bridgecrest did provide one of the requested documents on XX/XX/21 I received a 10-day pay off letter. In this letter it states " After the date ( XX/XX/21 ) the account accrues interest in the amount of {$10.00} per day. '' All the parties involved, aside from Bridgecrest have complied with my requests and provided me with all documents requested. 

On XX/XX/21 my car payment of {$450.00} is due and the {$10.00} interest begins to acrue. Why would Bridgecrest try to assist in getting this total loss claim filed and processed? Because they would loose money. Not only would they be loosing out on the extra daily interest, they would be loosing out on the {$450.00} a month. 

If I had received these documents from Bridgecrest, the GAP coverage claim would be closed, just like the Total Loss Claim from XXXX. Which would in turn bring my balance to {$0.00} and finalize the Bridgecrest payoff. 

Bridgecrest has tried to ensure that ANY overpayment made will be evaluated and if it is determined a refund is owed, Bridgecrest will process the overpayment. How am I suppose to believe this, especially when they refuse to send me the documents to process a total loss claim?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Last week I made a phone call to the fraudulent department for target and got a hold with one of the representative. He explained me to go to a site to report this store credit card. I got hit in my credit score with this name call TD BANK USA/TARGET C. The guy is sending me a letter to sign and send back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank put a 10 day hold on a {$3000.00} check, offered no sufficient reason for why and refused to release the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In late fall XXXX, my mortgage lender Green Tree sent me a no cost refinance offer in the mail. I had about 9 years remaining on my mortgage and a decent rate since I has refined at least XXXX times since I owned the property. I began speaking with a Green Tree rep, XXXX XXXX and she indicate no problem, of course a free loan, ( I clarified verbally and by email, not cost deferred, free ). Approximately XXXX XXXX, a notary was sent out to meet me for my signatures, I noticed approx. {$1800.00} of fees. I called this rep and she indicated she would have the docs redone. ( I have emails to her regarding this communication. ) Approx. 2 weeks later, after repeated delays and excuses, I again went to a coffee shop to meet the notary for the second set of docs. I was told because of an amount difference not accounted for by the reps assistant that I needed to bring a check of approximately {$600.00} to the signing. I was on my way to work, in addition to that the rep and I had communicated clearly verbally and by email on why this second signing meeting was necessary, I signed the documents. For approx. 6 months after this experience, I did not receive any loan statements from Green Tree. 

After calling to inquire, the statements began arriving and only recently after repeated request did I receive most of the 'missing statements from the time period. I took this statements and finance papers to my tax prepare to review. He indicated to me I had fees and points paid to Green Tree, completely against what was agreed from the get go and after repeated attempted repairs and communication on my part to this mortgage rep. I am appalled by the audacity and presumptuous disrespect of the public this rep, XXXX XXXX has in representing Green Tree and myself on one 's largest financial transaction in a lifetime. ( Do Note : Dictec has assumed Green Tree as of mid XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX  AND EXPERIAN HAS YET TO REMOVE ACCOUNTS THAT DOES NOT BELONG TO ME OR MAILOUT ANY PAPERWORK SHOWING THAT A DISPUTE HAS BEEN DONE

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 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've been trying to reach out to XXXX, they have not given me access to my CONSUMER REPORT and XXXX REPORT. I have attached screenshots as proof

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 2015-04-27
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is no debt. I received a letter from Enhanced Recovery Company , LLC ( in FL ). They claim I have XXXX XXXX XXXX debt, threaten to report me to national credit bureau, and offer a discount on debt if I pay within a month. I confirmed with XXXX there is no debt and they told me to disregard this notice. Per online research, this company has reported debts to the national credit bureaus, causing damage to individuals ' credit scores. They have my correct account number and name. Say if I do not dispute the validity of the debt with them, they will assume it is valid. I do not want to establish any contact with this company. 
I am reporting this scam here ( CFPB ) ( I was referred here by FTC when I tried to report the scam there. ) and state Attorney General 's Office. Also tried to report it as a scam to XXXX XXXX XXXX, they did not seem interested in taking the info. I do not want my credit damaged by this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On the XXXX XXXX 2016, while trying to get my report online, Trans Union kept telling me " unable to complete your request '', I then tried XXXX and XXXX and both of them asked questions that dont pertain to me in any way whatsoever. 
I then called XXXX ( XXXX XXXX 2016 ) and ordered my free report. Today is the XXXX XXXX and none of the companies have set a report to me. I tried to speak to a human at XXXX another which is impossible. 
I tried calling all XXXX credit reporting companies and even attempted to use the their .com websites which redirects me to the the XXXX website. 
I was advised to file a police report and need the credit reports to do so,

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 2021-12-30
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2017-01-02
Company: GOLD KEY CREDIT, INC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due to a mail sorting issue i received a letter from Gold Key Credit Inc. Much later then i was suppose to. I called them om XX/XX/XXXX to get more information. I then faxed over my insurance information that will cover the bill. A few weeks later a received another call demanding immediate payment or they will place this on my credit report. I advised them that i have insurance and i faxed all the documents. I was told that they were missing information. I then called back later that day and provided them with the missing info. The rep indicated that since its will be in pending status it will not be on my credit report unless my claim is denied. I also asked for them to provide proof that i owe this money. A few weeks later i saw this on my credit report. I called and asked why and to have this removed since i was cooperating and I asked for proof again. I was denied the right to speak to a supervisor and was told that one will get back to me in 24-48. The rep i spoke to was new and stated that he cant give me all the information. After 48 hours i did not receive a call. I called them again and made the same request. I also happened to get the same rep as last time. I advised him that i want to dispute and i want to speak to his supervisor. He told me that he will call me back in 24 hrs. I argued that he failed to do that last time but he still would not put me on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently sent a dispute letter to Transunion on XX/XX/XXXX in regards to a previous car loan. I pulled my credit reports and noticed that Transunion was reporting an incorrect/different close date. Transunion reports a close date of XX/XX/XXXX while XXXX shows a close date of XX/XX/XXXX ( and XXXX does not even show a close date ). This shows me that, although it was said that it occurred, the account has not been properly verified, and Transunion has not done its due diligence, and instead continue to respond to my disputes that the account has been " updated ''. They have continuously shared incorrect information although it has not been properly verified. As a result, I requested and asked that the account be deleted 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
Consumer complaint received 2015-10-11
Company: SQUARETWO FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I never had a credit card that was in this large amount of {$13000.00}. I did have a card in 2006 but it only had a limit of {$5000.00}. They would refuse to accept any of my offers to pay them smaller amounts. I have no proof that this was the same card. This debt has been sold over and over and CACH , LLC has harassed and scared me with letters over the years. I never received any phone calls and now I am receiving a summons to garnish my wages! I have no job and XXXX children. I have a bank account set up under my father that I do not want them to touch. This is his money, not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation