BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-17
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been making monthly payments of {$660.00} since XX/XX/XXXX. I wrote down my balance due on my student loans on XX/XX/XXXX and some have increased over the past ten months. 
XX/XX/XXXX XX/XX/XXXX balance due {$79000.00} {$78000.00} {$1500.00} {$1100.00} {$1300.00} {$1600.00} {$780.00} {$1000.00} I have XXXX more loans but this is a representation of what is happening to my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I checked my credit and seen a new debt that was reported. I immediately contacted the debt collector and they are attempting to collect a debt that is well over 7yrs old and was previously listed and removed off of my credit report. And they never properly notified me of anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : EXPERIAN Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {XXXX}, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, 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 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
the following accounts ( credit cards ) XXXX XXXX and a XXXX XXXX, are reporting inaccurate late payments for which i disputed and they have sent me the letters ( hence attached ) but the bureau are not cooperating and not updating their data base to have not late payments, i have also attached the letters received by both creditors for which they have approved to remove this inaccuracy but the bureaus are not trying to cooperate in this matter, please have them to remove and update my credit reports. 
thank 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 non-monetary relief
Consumer complaint received 2023-02-03
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I lost my card and it was used and I disputed it and they credited my account but then decided to deny it and took {$200.00} from me!!! Everytime I'd call they told me they had a dispute open and being looked into but next thing I know is my account was closed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRUIST FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/2021, I closed on a refinance of my home mortgage with XXXX XXXXXXXX XXXX, XXXX. At that time, even though my home is not in a flood zone, I was required to pay {$510.00} to be deposited in escrow for payment of my flood insurance premium. Immediately after closing on the refinance, my loan was sold to Suntrust Bank. Suntrust, showed the escrow for the flood insurance and began collecting $ 43/mo for flood insurance escrow. At some point, they sent me a letter saying that flood insurance escrow wasn't required and they would no longer collect escrow, but they kept collecting it. My flood insurance was scheduled for renewal on XX/XX/XXXX. At least 2 - 3 weeks prior to this date, I began calling Suntrust to inquire about my flood insurance payment, since they were still holding the escrow. I was on the phone for hours trying to resolve this. First I was told that they would submit the payment. I checked back the week before the payment was due and they still had my money and hadn't paid the premium. One of the many people I spoke to said that they didn't have the invoice, so they couldn't pay it. I offered to send the invoice. One each call, and there were several different people I spoke to, I requested that they send me my money back so I could pay the premium myself. On one call, the person I spoke to said that if they couldn't pay it, they would expedite the payment to me so I could pay it. When I called back, another woman insisted that I wait until XXXX to get my money back. 
In my opinion, this is an unfair business practice. They put me in the position of either having my flood insurance lapse or taking funds from my savings to pay for something that I had already paid once. I live in XXXX XXXX and although I do not live in a flood zone, I always maintain my flood insurance policy. I paid the policy from other funds. 
To date, I still have not received payment from Suntrust ( aka Truist ). Meanwhile, they have access to my money and get to earn interest while I will have to pay interest on the credit card I had to use to pay this premium. I feel like I should be made whole by having them not only return my money, but also pay me interest at a rate of 21 %. Isn't that what they get to charge us for borrowing money? Fair is fair, after all.

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 2017-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I sent a letter 7 months ago requesting that several creditors be validated and removed. The creditors were removed and then greater than 30 days later the credit reporting agency placed the creditors back on my credit profile. I sent letter informing them that this is illegal and on  XXXX / XXXX /   2017  I received a new report with no change.

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 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After i sent a dispute, debt validation letter certified mail, exercising my consumer rights under FDCPA and FCRA laws. The company failed to give notice to credit reporting agencies that the debt was disputed. I told them that they couldn't report to my consumer report without giving information that i requested to validate the debt. I sent a cease and desist letter, they responded saying they have processed my cease and desist and they still posted on my consumer report after i enforced my consumer right. The company went and stole my personal property and i filed a federal laws suit against the company. Due to the litigation i need the inaccurate information to be removed from my consumer report. XXXX XXXX  DBA OF XXXX, XXXX XXXX listed on my consumer report, must be removed due to me having full evidence of notice and never giving written permission for information to be posted to my consumer 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 2021-06-12
Company: BROKER SOLUTIONS, 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 received an unknown call asking if i wanted to continue with my application for a loan refinancing. I told the caller that i did not make the application and that i was in the process of buying a home. he said he understood. I asked could my name be removed from what ever application or database he may have had. He agreed and the next day multiple inquiries showed on my credit report for an auto loan refinancing which i did not give authorization for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had service with  XXXX  's internet and the sales associate mislead me in purchasing the equipment which I did then misinformed me when I got the service that I could watch and browse the internet with all the data I was buying I got a bill for ov er a thousand dollars which I canceled the service I told them they need to train Thier employees about lying to con sumers and customer service I do not owe the debt it was paid and canceled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: OK
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:
My identity/ personal information was stolen and used to fraudulently open several accounts. I have spent the an enormous amount of time contacting the 3 credit bureaus to dispute the in accurate information to no avail. Im asking you to help me get my life back. 

XXXX-EQUIFAX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  {$500.00} XXXX XXXX XXXXXXXX. {$100.00} XXXX XXXX. {$5100.00} DEPT OF EDXXXX XXXX {$7900.00} DEPT OF EDXXXX {$5500.00} XXXX XXXX XXXXXXXX {$200.00} XXXX XXXX  {$9900.00} XXXX XXXX  {$5400.00} XXXX XXXX  {$0.00} XXXX XXXX {$0.00} XXXX XXXX$0.00} XXXX XXXXXXXX XXXX {$0.00} BANKRUPTCY XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX {$350.00} XXXX XXXX {$480.00} XXXXXXXX XXXX XXXXXXXX {$930.00} XXXX XXXX XXXX {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: AXOS FINANCIAL, 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 received an unknown call asking if i wanted to continue with my application for a loan refinancing. I told the caller that i did not make the application and that i was in the process of buying a home. he said he understood. I asked could my name be removed from what ever application or database he may have had. He agreed and the next day multiple inquiries showed on my credit report for an auto loan refinancing which i did not give authorization for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates was  notified by me on  XXXX   XXXX ,  2017  to settle this debt and a settlement was made to pay {$300.00} of the {$600.00} balance due . ( See attached PRA Letter ) The  {$300.00} was paid on  XXXX   XXXX ,  2017 ( see attached debit document ). Currently PRA has not honored the settlement. They are reporting a balance due {$300.00} to all  XXXX  credit reporting agencies. I have received no letter indicating this debt  is paid/settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Diversified Consultants, Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I cancelled my cable and internet with XXXX. 

On XX/XX/XXXX I returned all of my equipment and received a confirmation from XXXX that it had been received along with serial numbers In early XX/XX/XXXX I began to receive calls from XXXX about a bill of {$160.00}. After looking into the matter with XXXX they told me it was a service charge for XX/XX/XXXX. After submitting proof I had discontinued services they said that is was for equipment. I again submitted proof and they said over the phone that this matter was resolved. 

In Mid XX/XX/XXXX I began to get calls from a collections agency. After checking with XXXX they said they are no longer able to remove the charges since they were in collections. 

After filing a dispute with the collections agency with proof, the derogatory mark was removed. 

On XX/XX/XXXX the same derogatory mark reappeared on my credit score. I know it was the same because of the amount and the fact that I have never had another mark. 

After filing a dispute with the collections agency, diversified consultants inc, I was not able to get a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Between XXXX of XXXX and XXXX of XXXX my my bank account transactions were {$190000.00}. I purchased 4 cars but feel some transactions were Fraudulant. My alerts were diverted and I question Chase at throughout the year. Chase has found no fraud and dismissed my complaints. The XXXX Chase bank has recently closed that branch. 
The person that I lived with but was not given permission to access my account abruptly broke off our relationship and left town. Selling her house and relocating to XXXX. She would not discuss any of my concerns and has not spoken with me since XX/XX/XXXX. 

The XXXX XXXX XXXX department said unless the bank finds fraud it is civil not criminal. I started the Banking with Chase {$240000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I contracted XXXX for a reverse mortgage which was to close on XX/XX/2019. I contacted my current mortgage company, Ditech, on XX/XX/2019 and requested that they not pay my property tax from my escrow because the title company for the reverse mortgage was going to pay the taxes. The real estate taxes were due XX/XX/2019. I talked with the supervisor of the Ditech tax dept and he assured me that they would not send the property taxes. My reverse mortgage loan closed on XX/XX/2019 as scheduled. I called Ditech on XX/XX/2019 to inquire where the $XXXX escrow was. Ditech informed me they had sent the escrow to my county tax dept on XX/XX/2019. I contacted my county tax dept and was informed that they had received the escrow check in XX/XX/XXXX but had mailed it back to Ditech on XX/XX/2019 because my taxes had already been paid by the title company. I have shared this information with Ditech and they tell me they do not know where the money is and that I will just have to wait till it shows up in their system.I was told by one agent in Ditech's tax dept that it could be 30 - 60 days before this will be cleared up.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was going over my credit report and found a few errors. I need all these addresses removed from my file/report they are not mines. Please send me a copy of my of my Risk View Disclosure report for my own review.

My name is XXXX XXXX XXXX my current Employer is XXXX XXXX XXXX my current address is : XXXX XXXX XXXX XXXX XXXX  XXXX Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called PORTFOLIO RECOVERY ASSOCIATES reported I owe XXXX XXXX XXXX , account start at XXXX XXXX, 2016! <P/>The truth is I never use XXXX XXXX service, and I do n't never owe XXXX $ from them. <P/>This is a scam. I already filed dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-04
Company: EQUIFAX, INC.
State: NH
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:
Submitted first request in  XXXX  of    2017  to Equifax - Nothing done - Submitted second request in  XXXX  of  2017  - Nothing done again - Have an item on my report that does not belong to me and would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: AES/PHEAA
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been employed as a XXXX  XXXX with XXXX XXXX ( Hawaii ) between XXXX to XXXX, before transferring to the XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX. I am currently employed with XXXX XXXX  XXXX ) and there has been NO break in service. Despite submitting numerous " Employment Certification '' forms, I have been given the run around about my status and eligible payments under the Public Service Loan Forgiveness ( PSLF ) and Temporary Expanded PSLF. I was additionally misled by the company about information regarding loan forgiveness and I am now liable for an excess of {$90000.00} worth of student loans. Basically, I took out additional loans thinking the current payments I was making towards existing loans was going to count towards additional loans I've taken out ( as a XXXX  XXXX ) for higher education. I later found out this was wrong and not only did they not count I had to start from the beginning on the new loans. To add insult to injury, numerous payments between XXXX and TODAY have not counted towards forgiveness, despite there being NO break in service. I've submitted multiple employment certifications which mysteriously seem to not explain that I have been a XXXX  XXXX since XXXX Numerous calls to the company resulted in many different excuses, but as of today I now have been assured my employment certifications check out and are up to date since XXXX. I will be waiting for another excuse as to why certain payments from XXXX to today have NOT counted towards forgiveness due to some mysterious universal force. I also disagree with the method of calculating the payments based on income, as police officers can sometimes have a lot of overtime, which is not guaranteed income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries were put on my credit report without my authorization and I want them removed.

Company response to consumer: Closed with explanation