BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-11
Company: Experian Information Solutions Inc.
State: FL
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:
Dear Experian, XX/XX/2020 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : 1. XXXX XXXX XXXX Please delete it 2. XXXX XXXX XXXX XXXX, FL XXXX Please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i have insurance and medicate ( part a ) but hospital never processed second insurance. Also sent certified mail request for validation, no response to date

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: IL
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:
Dear Experian You have constantly stated " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' This is a LIE i have sent you several disputes regarding this matter and you CONSTANTLY use STALL tactics claiming i am not who i say i am. THIS IS XXXX XXXX XXXX sending you letters and complaints through the CFPB. I have provided you with MY DRIVERS LICENSE FOR IDENTITY & MY UTILTY BILL FOR PROOf OF ADDRESS. I have received a bank statement and contract with my alleged signature attached from XXXX XXXX XXXX XXXX .i am not denying that this account exist, I am disputing because this account does not belong to me. The contract XXXX XXXX XXXX has sent is not my signature. I HAVE attached and PROVIDED my real signature. The signature on the contract is in scribbles with the letters C and B which is not my signature. Also on the contract is says the account was OPENED/APPROVED BY 927 Please provide name of witness who who claimed i sign this document. Please provide VIDEO AND/OR AUDIO of me entering and leaving the XXXX XXXX XXXX vicinity or E-Signature stating my IP address, session, time-stamp and browser with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I have attached previous complaints against this company from consumers from XXXX XXXX XXXX XXXX. If you can not provide the requested information please delete this account immediately. i have provided my lease for address verification and my ID for Identification purposes

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 2017-01-19
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have private student loans that were originally serviced by XXXX XXXX then transferred to Navient. They wanted me to pay over {$600.00} a month, always starting that I had no other options available to me. I was also told 5 years ago that since my mother had passed because she was the consigned ; that they would be forgiven. Every time I called I was told a different lie. Recently my loans have gone into default but they keep saying I 've been making payments of {$400.00} plus dollars a month even though the charged it off so it 's affecting my credit now. The original amount of my loan was {$30000.00} now it 's close to {$60000.00}. They do n't send out letters of any kind yet the say oh the letter is attached to your account. If you refuse to send me information about my loans how am I suppose to know the steps you are taking. I could go on and on but I will just say I 'm happy karma has caught up to them. Thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have repeatedly requested for Ditech Financial to include my loan balance on my monthly statements. I receive the monthly statements reflecting the payment received but not the current loan balance. I have requested this history from XXXX 2014 to the present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I am having issues with missing information on my credit report. I have a XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX OH XXXX. My account is not showing on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: NJ LENDERS CORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Attached you will find the mortgage note that NJ Lender has used to place a lien on my house. NJ Lenders sent me back the " Cancelled of Record '' of my original XXXX purchase XXXX XXXX XXXX XXXX  mortgage that was thought to be paid off by NJ Lenders. I have tried to sell my house and have had many deals fall through because buyers became suspicious that I did NOT has a Satisfaction of Mortgage, No Lien Release and no Discharge of Mortgage to prove that the original XXXX purchase XXXX XXXX XXXX XXXX was paid off and not just voided. 

I need to get a financial statement of the mortgage pay-off to calculate interest and other costs accurately. 

I never received a loan payment from NJ Lenders as per contract and need to know who was paid when so everything can be paid out fairly for both parties. 

Who was paid from the XX/XX/XXXX refinance and where can I get the proof of payment so we can conclude this matter. I detest playing pen-pals but I need to get to answers ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Navient Solutions, LLC.
State: FL
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:
All of the amounts listed ( {$350.00} ) are current and are in school deferment and have been reporting on my credit report when they shouldn't. This is hindering a lot of progress I could be making with my credit especially trying to get a house. Every disbursement I have is there for lenders to see which is why everyone has turned me down for everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Disputed a debt with Transunion stating that the same debt is being show twice, once by the original creditor and once by the assigned/sold to collection company. XXXX Disputes ( XXXX Bank ) is being reported as delinquent but closed for {$16.00}, XXXX and they sold the debt to XXXX which also has the debt listed on my TU credit file a second time with a different delinquency date and same amount. This is double jeopardy and illegal. Anyone looking at my report sees XXXX bad items ( original debtor reporting and collection agency reporting same debt ). This is unfair practice and illegal manipulation of the system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: AR
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 was not told initially about the income driven repayment plans, which resulted in my agreeing to a large loan payment monthly that I couldnt afford. When I finally logged back in after hearing about the income driven plan, the system erred and would ot allow me to apply for it. The School I attended was The XXXX School in XXXX, TN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Roach & Murtha, P.C.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am being sued by XXXX XXXX for nonpayment of a student loan when I attend during covid the school was shut down wasnt allowed to finish

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I happened to look at my credit reports and Notice a company called XXXX XXXX had a collection on my account at least until XX/XX/XXXX, the date i received my first credit report from XXXX. 

Soon After i assume the Medical Account was sold/transferred to XXXX XXXX XXXX. 

I also have my XXXX report showing : DATE ASSIGNED is XX/XX/XXXX. 

I never received a notice. I never received a call. No communication was made. 
i have tried to contact them and they have not responded in any manner. 
I have also tried to contact them on their website on XX/XX/XXXX and I have yet to receive any notification, verification, and/or validation that i have asked for from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Atlanticus Services Corporation
State: MO
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:
Payments where never late but now showing late more than 30 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I saw a charge from XXXX XXXX appeared on my Chase credit card. The charge was from XX/XX/XXXX, and was posted on XX/XX/XXXX. 

I called Chase and was transferred to the dispute department. The dispute department told me that they had no idea why the charge posted 14 months after the transaction date, and asked me if I know the merchant or have authorized the transaction. I told the representative that the merchant is a well-known retailer in XXXX ( like XX/XX/XXXXXX/XX/XXXX or XXXX ), and I was in XXXX in XX/XX/XXXX. However, given it has been 14 months, I don't remember if I have shopped at an XXXX Mall or have used the card at one. The representative told me that since the charge is more than 60 days old, she can't open a dispute. I asked her why would Chase allow a merchant to post a charge 14 months old, while forbidding a cardholder for disputing a charge more than 2 months old. She told me that she does not know, and provided me the merchant 's phone number, telling me that I will have to resolve the issue directly with the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification from my credit monitoring service that a collection account had hit all three of my credit reports. I never received any correspondence from this company regarding the alleged debt. Based on the information provided on my credit report this debt does not belong to me. Ive never entered a contract with Midland Funding let alone done business with them to begin with. I would like this account to be removed from all three of my credit reports as it is unethical to throw negative information on my credit reports without substantiating that this alleged debt belongs to me. I would like for this to be resolved immediately or I will pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: RR Resource-Recovery
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
The credit collections agency in question only contacted me once by phone and once by mail well over a year ago, and suddenly, I have a negative credit flag on my credit score. While I 'm sure that I passed a time deadline to make payments on this account to prevent this from happening, the lack of communication from the collector is not only surprising, as I 'm used to being called monthly when I forget to pay a bill, but also irresponsible, as negative flags like this can remain on an account for XXXX years. I recently graduated college and would like to do things such as consolidate my student loans, possibly finance a newer car in the next few years, and get a mortgage to buy a house, but this XXXX item is going to seriously hinder my ability to do any of that. Had R R Resource Recovery contacted me before this account went into the flag zone, I would have begun making payments immediately as I received a substantial promotion and raise with my current job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: IL
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 reported to The three major credit bureaus ; XXXX, XXXX  and Experian that according to the Fair Credit Reporting Act, that the bureaus was suppose to provide information directly from the agency that reported my bankruptcies or else by law they need to remove them and or provide documents or credible information where information was collected. All three bureaus stated the same information that they received information from XXXX Bankruptcies district. I contacted the bankruptcy district and it was stated that it would never be a time that this information will be provided to any credit bureaus. I requested all three bureaus on XX/XX/2020, XXXX and XXXX of the removal. I also tried contacting them again by phone and the system made it impossible to reach them. I also tried disputing again via direct website and theres no right of passage. These companies should be reported for rude behavior as well.

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 2020-12-30
Company: EQUIFAX, INC.
State: IL
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 reported to The three major credit bureaus ; XXXX, Equifax and XXXX that according to the Fair Credit Reporting Act, that the bureaus was suppose to provide information directly from the agency that reported my bankruptcies or else by law they need to remove them and or provide documents or credible information where information was collected. All three bureaus stated the same information that they received information from XXXX Bankruptcies district. I contacted the bankruptcy district and it was stated that it would never be a time that this information will be provided to any credit bureaus. I requested all three bureaus on XX/XX/2020, XXXX and XXXX of the removal. I also tried contacting them again by phone and the system made it impossible to reach them. I also tried disputing again via direct website and theres no right of passage. These companies should be reported for rude behavior as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
CFPB Complaint XXXX : Wells Fargo Violations of CFPB XXXX XXXX XXXX Borrower : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, # XXXX, Washington, DC XXXX Loan No. : XXXX Complaint XXXX. On XXXX XXXX, XXXX, the XXXX provided supplement documentation in connection with his pending loan modification application via email. XXXX XXXX XXXX. As you will see from the supplemental submission, the XXXX provided pay stubs to support his income. 
XXXX. On XXXX XXXX, XXXX, Wells Fargo prepared a denial letter. XXXX XXXX XXXX. The denial letter erroneously calculated his monthly gross income as {$14000.00} when his monthly income is significantly less than that amount. The amount of {$14000.00} represents the gross income for his business and not his personal gross income. 
XXXX. On or about XXXX XXXX, XXXX, XXXX XXXX requested an appeal of the XXXX XXXX, XXXX decision stating that the amount of {$14000.00} represents the gross income for his business and not his personal gross income. XXXX XXXX made the request for Wells Fargo to re-calculate his loan modification application by utilizing his gross monthly income of {$4200.00}. XXXX XXXX XXXX. 
XXXX. When XXXX XXXX refused to re-calculate his loan modification by utilizing is gross monthly income of {$4200.00}, he then escalated his request to the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX investigated the matter and, as a result of the investigation, Wells Fargo still refused to property review his loan modification with the correct monthly income of {$4200.00}. XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX that Wells Fargo approve XXXX XXXX for a loan modification that would have been available to him in XXXX during the time period that his application was pending ; B. Impose appropriate statutory remedies that are available ; and C. Award attorneys fees to 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 2020-03-11
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly disputed the CAPITAL ACCOUNTS report stating that I owe upwards of XXXX to XXXX XXXX XXXX. I initially disputed in XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX XXXX  admitted that my information was supplied which led to my credit being reported falsely. They assured me that XXXX XXXX will remove this debt from my account ENTIRELY, as it belongs to my mother and not me. 

XXXX XXXX was contracted and responded XX/XX/XXXX, stating that it has been handed over to be corrected. According to XXXX, the debt is still being reported as mine. I sent a debt validation letter on XX/XX/XXXX in which is was signed by an agent XX/XX/XXXX, with tracking number XXXX. 

I have NOT received any validation paperwork from this company as well, as it would not and could not exist. Today I attempted to contact XXXX XXXX and XXXX XXXX ( a supervisor ) to inquire about the current reporting status. I was repeatedly hung up on. 

I also spoke with XXXX XXXX who also refused to tell me more information or connect me with the proper authority to provide clarity as to this gross misstep.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been repaying my student loans via Navient and XXXX XXXX XXXX ; the loan was issued by them, NAVIENT PRIVATE LOAN TRUST and XXXX. They 're both a variable interest rate that has NOT adjusted to my income or basic principals of adjustments. The payments are insanely high whilst the loan itself will not reduce as the years tick away. The school that the loan was issued for is now going under as well ( XXXX. ) I have issued both federal and private loans for this school. I finished my education at XXXX University and am understandable with the federal loans provided. My concern is the the XXXX private loans I have, XXXX from Navient and XXXX from XXXX that are impossible to sustain and pay off. I have tried to address this several times and am struggling to find a way. I was told they should 've been forgiven given the circumstance but no point of contact is available for both the school or providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Inaccurate reporting to my credit profile has caused me to have to pay higher interest rates which has caused much stress in my life along the pandemic I do understand that mistakes happen so I simply requested an investigation into misleading inaccurate accounts on my profile on XXXX to this day over 60 days later I have no received any response which I know has to be a violation of my rights I do feel ignored of my issue and I also found through my search that my credit was impacted by the data breach I do hope you find out you these misleading accounts belong too. Thank you for the quick response.

Company response to consumer: Closed with explanation