BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I graduated back in XX/XX/XXXX and have been through a number of financial ups and downs. Navient or XXXX XXXX never gave me the options of an income driven based repayment plan. I bought a business back in XX/XX/XXXX and try to complete the minimum payments when I can. My loan has only gone up since I graduated and they only let me defer my payments. My credit score has been affected greatly by this because at points it becomes a burden to pay for something that the bill does not go down on and so instead of going down it always reports the bill going up. I rather invest into my business then throw money at a loan that never goes down. They have me at XXXX different loans at 6.8 % interest on each. When these loans were done I was unaware of the affect that this might have on my future. This loan is the only thing that has held me back from buying a house or car. I have written letters that stated I did not think the loan was fair and that unearned interest was being added on and they assured me everything was being handle correctly. They didnt give me much information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has placed a collection account on my XXXX, XXXX and XXXX credit bureaus.It is  account number XXXX. 
They say the original creditor is XXXX.I .have never ordered a XXXX card, never charged on a XXXX account, ever ; the account was opened fraudulently.It is impossible to debt validate because they have no record of me or my signature ordering anything, yet within 24 hours of an XXXX   dispute, XXXX XXXX verified and XXXX won't allow another dispute saying it's frivolous The damaging account must be removed immediately from my bureau reports. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CFPB Team, Hunter Warfield has attempted to collect an invalidated debt stated as {$620.00}, reporting to all 3 credit boroughs, and in violation of FDCPA regulations in multiple actions. 

Personal actions : - XX/XX/2020, debt was disputed on the same date as received from Hunter Warfield. 
- XX/XX/2020, a certified letter was sent to Hunter Warfield, again disputing the stated debt, and requesting that communication be only received via letter.

Hunter Warfield ( company ) actions in perceived violations of FDCPA : - Stated debt was never validated, via any communication method. 
- Attempted an email on XX/XX/2020, which required an acknowledgement of ownership and accuracy of debt in order to see any information. 
- Ignored a certified letter request to communicate only via letter, emailing repeatedly. 
- Attempts to collect amounts greater than originally stated ( {$660.00} requested on XX/XX/2020 ). 

These FDCPA actions and tactics appear common from reviews of Hunter Warfield, but more importantly do not appear to comply with legal consumer debt rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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  Account XXXX 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 602 A section 2. It also states a Consumer Reporting Agency can not furnish a account without my written permission or 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 non-monetary relief
Consumer complaint received 2017-05-27
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account Details Last Reported   XXXX   XXXX   XXXX    Collection Agency CAINE & WEINER COMPANY INC  Original Creditor  XXXX   XXXX  Status Open Opened Date   XXXX   XXXX   XXXX   Closed Date -- Responsibility Individual Account.   Balance {$3700.00}  High Balance {$3 700.00}  Remarks Consumer  disputes this account information  No Idea  about this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
The company is reporting this account inaccurately and incorrectly, I have reached out to the company several times already but have not responded and resolved it. 

XXXX has removed this account due to inaccuracies and incorrect reporting however it is still being reported in XXXX & XXXX which is severely affecting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Amsher Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
two debt collectors are trying to collect on the same debt XXXX provided verification of debt letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Bread Financial Holdings, Inc.
State: UT
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:
Comenity Bank/ XXXX XXXX reporting erroneously on my credit file. I recently checked my credit file and noticed the delinquent notations they have added to my account. I do not remember being late on the dates they have reported nor have I ever received any letters, calls, or notices about late payments from Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently contacted TransUnion customer service about dispute errors on my credit report and I mention about dispute credit inquiries that was unauthorized. I asked them to deleted but they wouldnt help me take care of negative inquiries report to my credit report.
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-03-21
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This complaint is against Chase Bank. In XXXX of 2022, I uncovered significant fraud that occurred on 3 of my personal debit cards with 2 banks ( chase and one other ) over the course of months. Transactions showed up on my bank statements with various XXXX merchants that I totally did not recognize. I did not authorize the transactions, I did not lose my debit cards, and I don't recognize the merchant in any way. 

I began filing disputes with the banks involved regarding the fraudulent debit card transactions. With cash app ( the other bank or debit card ), I got my money back quickly. With chase, I got provisional credit issued for one of the accounts on XX/XX/2022, but the other account, they denied my claim altogether on XX/XX/2022. 

They at first claimed that they had proof the purchases were made using a secure chip card, and therefore I had to make them. They told me this multiple times when I called customer service despite me insisting I did not make the purchase using my debit card, and I never lost it, so I know it is impossible. I eventually went into a chase bank branch and had a meeting with a banker who reviewed each transaction with me and we together confirmed the chase claims team was wrong in saying the transactions were coded as 'secure chip card used '. Each transaction was manually keyed, like I knew had to be the case. 

The banker opened a complaint for me within chase, escalated my case to the corporate office, who ultimately came back and said they weren't reopening my claim simply because the fraud charges were too long ago, and not because they were done with a secure chip card like they falsely claimed to me at first. 

Reviewing the law, I believe I am within my rights to demand that chase assist me in recovering these fraudulent funds. I never lost my debit card, and the law I read on the matter says I would be liable for transactions that occurred more than 60 days after the first fraudulent occurrence on a statement. I understand that and I want Chase to issue me refunds for the fraud occurring within those 60 days on the 2nd account like they did do on the 1st account I have with them. 

The amount of the fraud Chase is denying to help me recover is over {$5000.00} so this is a lot of money to me and very important.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Illinois Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a outstanding debt of XXXX from Medical services from XXXX in XX/XX/XXXX. XX/XX/XXXX Illinois Collection Services entered a collection of XXXX that appeared on my XXXX Credit report. I have contacted the collection agency to pay the debt and they indicate that while my credit report debt shows XXXX collection, I actually owe an additional XXXX, totaling XXXX. The rep says to pay the XXXX will not remove the collection from my credit report. I do n't have any other medical debt with XXXX and have not been provided with any documentation to say otherwise. Since XXXX XXXX the debt has been consistent at XXXX but I am unable to resolve it because Illinois XXXX is illegally asking to pay an additional XXXX. Additionally, my XXXX credit report as of XXXX XXXX, that I have a new collection from Illinois Collection Service of XXXX which is the same debt that was put on my credit report in XXXX XXXX. The debt in showing closed but as a new debt. This is effecting my credit score and ability to secure credit at a competitive rate. I call Illinois Collection Services today, XXXX XXXX in which I was told again that I would need to pay the additional XXXX in order for the XXXX debt to be removed, I asked to speak to a supervisor. I finally hung up after 20 minutes on hold. The staff is unprofessional and are unwilling to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: LD Holdings Group, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refi with Loan Depot I submitted all the documents they asked for was told I was approved for the refi paid them their fees and paid for the appraisal then they declined my loan with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I requested in writing for Selene Finance LP to provide me with the the " input values '' and review the Net Present Value analysis/model used in making the calculations for the " NPV Test '' along with the date the process was completed in writing according to HAMP guidelines and Selene 's in house modification programs. I have right to a copy of the property valuation report. I also requested in writing for a copy of the pooling and servicing agreement, investor guidelines and the name/entity of the investor for the loan. 
I was never provided with anything from Selene Finance LP in accordance with PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE. REFER TO THE SAME ACCOUNT, XXXX XXXX  # XXXX SHOWING DELETED BY XXXX. PLEASE DELETE THIS IMMEDIATELY FROM YOUR DATABASE. 
PLEASE FOLLOW SUIT AND AMEND ACCOUNTS ON MY CREDIT FILE AS THEY WERE NEVER LATE. PLEASE REFER TO THE PAYMENT HISTORY FOR THE XXXX XXXX AND THE XXXX XXXX XXXX ACCOUNTS WHERE THERE ARE NO REPORTED LATE PAYMENT MONTHS. I NEED THESE AMENDED TO SHOW NEVER LATE IMMEDIATELY IN ORDER TO CLOSE MY ESCROW BY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: CHECK INTO CASH INC.
State: ND
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacting several months ago about a loan the I thought was paid XX/XX/XXXX but the company failed to take the amount out of my account and then waited until XX/XX/XXXX to contact me. I made arrangements with them in XX/XX/XXXX to pay the debt over several months. The payments were processed appropriately in XX/XX/XXXX and XX/XX/XXXX then in XX/XX/XXXX they began contacting me constantly threatening me because a payment did n't post, yet according to my bank, they never attempted to process the payment. I have tried working with them and have given financial information multiple times yet they keep contacting me saying payment has n't been made ( bank statements show they have or that they never attempted-initially the XX/XX/XXXX payment then after 3 conversations and sharing info, it finally was processed. XX/XX/XXXX payment was not attempted ) and asking for my bank info repeatedly. They call multiple times in a short period of time ( 3 times today in 90 minutes ) threatening me and telling me what I owe will triple, etc. they have even hung up on me when I ask them why I need to keep doing this ( share financial info ) when I have authorized payments to be taken out according to the terms of the agreement I signed. I have attached the XX/XX/XXXX document showing future payment terms. I also had payments processed earlier.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a checking and savings account wit h USAA Federal Savings B ank bank for many years in  XXXX   XXXX , TX. They recently shifted to added security at login. Supposedly, they send a security code to an email address and then you enter the code. This is as far as I can get on a laptop. First, they send the code to an old email address no longer associated with my account ( I do n't know what is on my profile for sure, because I can not login ). By the time I get into the old email account, copy the code and enter the code, it has evidently expired because I get an " invalid code '' message. I tried it three times and no luck. The same error message appeared. So I called customer service  three  times and once spoke to a security rep supervisor. I entered my SS number, my  4-digit p in number, my member ID #, gave my bank debit card information and then they wanted more information about made-up past addresses lik e one from  twenty-five     yea rs ago ( wrong address ) when I worked for a company  XXXX   XXXX   XXXX  miles away from where I live now and ove r ten y ears ago  ( the plant no l onger exists! ) After another half hour or so, the public records proved false, so at that point I told them the public record information was not right. Despite my protest that the answers were not correct, the rep continued anyway. What more could they possibly need, well they kept on asking. I finally said enough! I want to close the account. But they would not let me, cause I have not been verified.  SSN, Member  ID,  25 random o ther passwords and personal information from an incorrect " public record ''? Please help me get my money out of this bank and close this horrible account or make them let me in to my own account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is attempting to collect on a debt that is more than 10 years old and was also previously disputed directly with XXXX XXXX XXXX and XXXX 's dismissed the debt due to identity theft. The following is the complaint that was sent to XXXX 's : On XX/XX/2005, my SUV was broken into as I dined at a restaurant in XXXX, Texas. Numerous items were stolen, including my briefcase that contained my personal information on documents, which included my driver 's license number, birthdate and social security number. Since this event occurred, my personal identity was stolen and numerous successful attempts of credit were extended to one or more individuals. I have sent letters that include a copy of the police report, which I filed with the XXXX Police Department to the creditors who are now falsely reporting incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Receivables Management Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently seen a report on my credit profile and seen I had a collection from a company that has not reached out to me once and also have not validated the debt they say I owe, Ive also filed an HIPPA complaint about the collection agency RMP Services LLC for receiving my protected health information from the XXXX XXXX XXXX XXXX. I am aware that this is a violation to my HIPPA rights and have sent a complaint through HHS.gov and asked them to remove this from my credit profile, I have yet gotten a response from RMP Service LLC the North Carolina branch and now I am filing a complaint with yall the CFPB in hope yall can get my problem handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I need these hard inquiries removed from my TransUnion credit report as they are fraudulent and I am a victim of identity theft. They are listed below : Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX - Bank ( XXXX ) XXXX See an error? 
Find out how todispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXXXXXX XXXX  - Bank ( XXXX ) XXXX See an error? 
Find out how todispute a hard inquiry Institution Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, 2022 - Bank ( XXXX ) XXXX See an error? 
Find out how todispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-03-21
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
For most of XXXX I have had to deal with LVNV FUNDING LLC making false statements that money is owed to them, I have been called and harassed at all hours of the day, they have called my then, XXXX year old son ( on phone he would use ) and threaten him, yell at him, accuse him of stealing $ from their company, telling him they knew it was really me. LVNV FUNDING LLC did not purchase any debt from the original creditor, they purchased it from the 3rd agency who bought a bunch of debt. When calling the original credit card issuer. they stated I do not have a balance with them. When trying to contact LVNV FUNDING LLC ( in chat they offer ) I was unable to get any important information, I was ignored, I was not given the original credit card agreement when I requested it. LVNV FUNDING LLC is not a loan company and did not issue any type of credit to me. They have lied saying I owe them when I did not sign any agreements and have not balance with the actual credit card company. I am not in a court battle with this group. This company needs to be held accountable for lying, bullying, and misleading people into paying or garnishing wages over debt they did not give. This company buys " debts '' for pennies ( XXXX : {$500.00} debt, LVNV FUNDING LLC pays {$25.00} ) They sue people stating they owe $ XXXX 's fees when they are not owed anything. I do not owe LVNV FUNDING LLC anything and I am being harassed, missing work when my kids needs to be taken care of, due to the lies of this company.

Company response to consumer: Closed with explanation