BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-31
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
EOS CCA is a third-party debt collector for student loans that has been excessively calling me on my cell phone multiple times a day ( a regular  schedule would be at XXXX, XXXX, XXXX, XXXX, XXXX, in a single day ). After I asked them over the phone to stop calling me on my cell phone, they began to call me on my direct line at work ( starting at the beginning of XX/XX/XXXX ). I informed them that I was not allowed to receive personal phone calls at work and asked them not to contact me on the number any longer. They continued to call me at that number, despite being told that I was not allowed to answer personal calls. They also began calling my companies general telephone line looking for me and stating that they were calling to resolve " outstanding financial debt matters. '' They were again told by our receptionists that employees are not allowed to take personal calls at work ( they were told this in XX/XX/XXXX ). It is now the end of XX/XX/XXXX and they continue call both my direct line and my company 's general line on a daily basis, multiple times a day. EOS 's  failure to follow federal debt collection practices is now jeopardizing my employment and could cost me my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Special Financing Company, LLC
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
took out a personal loan with this business in   XXXX   XXXX  , have only received a few monthly statements in the past year. I have had to call and request a few of them. On   XXXX   XXXX   XXXX   the business informed me that because  XXXX  of my statements was returned that their system would no longer issue monthly statements again, that I could call and request them. I said that the duty is not on me as the debtor to request my statements and asked for a supervisor but was told that she was out. On   XXXX   XXXX   XXXX   I spoke to a company supervisor and advised that this was not acceptable and demanded to receive monthly statements on my account. She said she would arrange for their  XXXX  employee to " fix '' the problem in their system so that I would receive monthly statements. I asked when I should expect the next statement, she advised me that it would generate after   XXXX   XXXX   and that I would receive it by mail shortly thereafter. On   XXXX   XXXX  , I still did not not received a statement, so I called customer service. The representative said that I can not get monthly statements because I have had mail returned. I explained to her that is an issue that the  manager said that she was going to solve and the representative said that it had not been solved yet and that the manager was not available. On the original loan contract it states that they " the creditor '' will mail monthly billing statements of all charges on my account unless prohibited by fe deral law. The creditor is breaching the contract by not mailing monthly statements to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
PLEASE REMOVE THE COLLECTIONS ACCOUNTS FOR XXXX WHICH IS ONLY REPORTING WITH XXXX, WHY WAS IT REMOVED FROM TRANSUNION AND NOT FROM XXXX? I HAVE ATTEMPTED SEVERAL TIMES AT DISPUTING/REMOVING THIS NEGATIVE ACCOUNT AND NOTHING HAS BEEN DONE ABOUT IT. I NEED TO KNOW THE REASON/S AS TO WHY THESE ACC9OUNTS ARE STILL REPORTING NEGATIVELY ON MY CREDIT REPORT. I HAVE GOALS I WANT/NEED TO ACHIEVE. THE NEGATIVE ACCOUNTS ARE IMPAIRING EVERYTHING FOR ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
State: GA
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 checked my personal credit report, which, I acquired from your organization on XX/XX/XXXX and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. 

By law, per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. 

If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 

XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Auto Finance Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Auto Finance Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from  XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX - Inquiry from XX/XX/XXXX XXXX - Direct Inquiry from XX/XX/XXXX If you find the inquiries referenced above to be valid through physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: AR
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 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 2017-08-31
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made several payments on my student loans ( I have five loans- all of which I pay monthly ) which are not being reflected on Navient 's account summary. A few of the payments are showing directed to XXXX DL Consolidated and XXXX DL Consolidated when in fact the payment should be showing on the XXXX and XXXX  Consolidation loans. I have called Navient and asked about this issue but no one seems to know what is going on or why the system is showing the payments allocated to different loans other than what I directed. Navient also confirmed that they show I made the payments and allocated to the correct loans however they were not being reflected as such. 

Even more troubling has been a payment that I made on XXXX ( withdrawn from my checking account on XXXX ). I made a {$330.00} payment ( as confirmed through my bank statement ) but Navient is only showing a {$170.00} credit applied on XXXX ( also shown on their system )! Where is the rest of my payment and why was it not applied correctly or on the correct date? From my understanding, Navient charges daily interest so it is interesting that my payment is processed 7 days after it is withdrawn from my account, thus accruing 7 days more interest. On top of that the amount is much less than I paid. 

This is my second CFPB complaint against Navient as I have had trouble with my account since the beginning. Please assist me in correcting their systematic errors ( which always seem to be in their favor ) and mistreatment of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: Nelnet, Inc.
State: NJ
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:
My payments to Nelnet are due on the XXXX and the XXXX of each month. ( I have Parent Plus Loans for my XXXX children from XXXX XXXX, XXXX XXXX and XXXX University, XXXX ). I pay my loans mid month due to the different pay dates on the loans. I usually pay more than what is asked. Last month I paid on XX/XX/19. It said I owed {$1600.00}. I paid {$1700.00}. I even put XXXX toward one loan that is still in Deferment. I checked how much I owed on XXXX. It was just over {$1500.00}. I checked again today and it not only says I owe {$1600.00}, but it also says I have a late payment due of {$580.00}. I wrote the company and called. I was on hold for 10 minutes and could not stay longer as I was at work. I have written the company numerous times for other reason and it takes much to long to get an answer ( 15 days ) and they continue to not help but end their letters with " We want to help you. If you have any problems let us know. We can help ''. My account # is XXXX. I need to know why I can not figure out where the late payment is coming from and when did it appear? There is no way to get that on line and there is no way to find a history of what Nelnet has done to the account that has caused this change. The last payment was due XXXX. I paid more than what was due on XX/XX/19. How could I possibly have a late payment. Every time you check your account with this company the amount due is different. I do not who can possibly check to see if they owe money on a daily basis and keep sending money??? There should be an amount due on a specific date and that's it. This company is impossible to work with and impossible to keep track of. This is simply not right and needs to be addressed. How am I supposed to budget for this? I want to pay for my children 's education, but they are making it impossible to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX Mortgage XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Loan amount {$190000.00} My Re-finance was denied for for no valid reason. Documents were sent multiple times and not recorded correctly. I was promised a Par rate then points were added. It seems that there are time share condominiums in the area but not in the condominium complex in which I own a unit. There are very few units that are rented by some owners. I was told that the title company made this decision but then told that the mortgage company made this decision. There does not seem to be any other issues. No credit issues, no net worth issues, no income issues no, no loan to value issues. Its seems that I XXXX be being discriminated against and /or rates increased and they did not want to honor promised rate. Please investigate. I have never been denied a loan or mortgage in my life.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-23
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Pop up on credit I wasnt aware of this Debt

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 2017-08-22
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
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:
XX/2017 I have previously disputed this fraudulent account. It was not opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Navient Solutions, LLC.
State: OH
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 am filing a complaint for falsification of NEW information for the direct intent to upset and annoy me. This is classified as the definition of harassment. 

Anyone who places calls to deliberately upset, annoy or threaten the victim may be guilty of phone harassment, which is a form of bullying. Phone harassment may be a one-time call or a series of calls. 

I kindly made an outbound call TO Navient on XX/XX/2022 at XXXX, lasting XXXX XXXX, XXXX. The Purpose of the call was to ( 1 ) return Navients Representative XXXX phone call from XXXX and ( XXXX ) to clear up XXXX emails that I received from Navient that were in direct conflict with each other. 

Again, I kindly tried to work out miscommunications with Navient, however, I received additional, new conflicting information, from Navient Representative XXXX XXXX. She has been with Navient for five years. The information she relayed to me didnt even match the Navient emails, or, my approved IDR from studentaid.gov from XX/XX/2022. 

This was the new information that was verbally stated, although, I have spoke to Navient verbally numerous times in XXXX  I, XXXX XXXX XXXX, have never heard a Navient Representative tell me the following information. 

[ XXXX XXXX stated, XXXX we emailed you in XX/XX/2022, however, you failed to respond to renew your IDR. XXXX, your IDR is not active because, you, XXXX, failed to recertify. ] Why would I recertify in XX/XX/2022, when I have an already approved XXXX from XX/XX/2022? I uploaded XXXX the complimentary copy of the approval XXXX from XX/XX/2022 to XX/XX/2022 into my logged into Navient account, with system confirmations. 

The following information was received by Navient and is confusing. I uploaded real facts, the actual emails, into my complaint. 

I realize I have several loans. All my private loans are paid off. My educational loans are with another lender. I only have federal loans with Navient at this point, or should. 

[ Received XX/XX/2022 by XXXX XXXX  navient.com Total Payment Due for XX/XX/2022 is {$0.00} ] Received XX/XX/2022 by XXXX XXXX navientXXXX  Total Payment Due for {$210.00} on XX/XX/2022. ] [ Received XX/XX/2022 by XXXX XXXX Navient Received Payment, But ] [ Verbal Communications by XXXX XXXX We need to set up another payment option. You never recertified your IDR in XX/XX/2022 ( although, I already did in XX/XX/2022. ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-10-07
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
I have reached out to Chase Card Services as well as the Credit Bureaus by mailing them letters and speaking to them on the phone to dispute the information being provided to my credit file. Chase Card Services is reporting the following inaccurate information on each credit bureau 1 ) The Balance Owed, 2 ) The Highest Balance amount, 3 ) the date opened and 4 ) the last payment made on this account.

These inaccuracies are harming me and my ability to obtain affordable housing, and other important necessities. 

As they continue to choose to report inaccurately, I am requesting that they delete all information completely from all the Credit Bureaus Immediately. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit  reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX in XXXX of XXXX and have XXXX XXXX XXXX XXXX XXXX through the state of XXXX which is XXXX of the best insurances in the state. I paid my copay of {$150.00} BEFORE the procedure and everything else was covered. I never saw a bill and found this on my credit a few years ago. I have tried to dispute this many times and I always get a " it is your debt '' back. No one is questioning that. I am saying I do NOT owe it bc I already PAID it. I have disputed it with both XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: LA
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: Other problem getting your report or credit score

Complaint:
Equifax/Equifax Credit Bureau sent letters stating they are unable to find my file. This is fraudulent because I call XX/XX/2022 and XXXX was able to verify me and pulled my file. I also applied for XXXX in XXXX and Equifax/Equifax Credit Bureau was the credit agency they reference and Equifax/Equifax Credit Bureau provided XXXX with my file with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: AR
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 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 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 2022-08-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I CALLED THIS COLLECTION AGENCY THAT MY MORGAGE COMPANY SAID I HAVE A JUDGEMENT AGAINST ME..I PULLED MY CREDIT REPORT TO SEE BUT I DIDNT SEE THEM ON THERE. SO I CALLED THEM AND THEY TELL ME ITS A XXXX DEBT FROM XXXX. I TOLD THEM I DIDNT HAVE A XXXX XXXX MY EX HUSBAND DID AND IT WAS ON OUR DIVORCE DECREE THAT HE WOULD BE RESPONSIBLE FOR HIS BILLS AND HE SAID IT WAS IN UNDEER MY SOCIAL WHICH HE TOLD ME THE SOCIAL OVER THE PHONE I ASKED HIM HOW HE HAD THAT AND HE SAID IT WAS FROM THE DEBTOR.. I SAID NO BECAUSE I NEVER HAD A CARD FROM THAT COMPANY OPEN IN MY NAME HE ASKED ME IF I WAS PAYING IT AND I SAID NO IM NOT PAYING MY EXES BILL THAT IS NOT MINE AND I NEED IT DISPUTED AND HE SAID SO YOU ARE SAYING YOU WONT PAY IT AND I SAID DID YOU NOT HEAR I HAVE NEVER HAD A XXXX CARD AND IT IN LISTED ON MY DIVORCE DECREE THAT MY HUSBAND WAS THE ONE WITH A CARD HOW DO YOU HAVE MY SOCIAL SECURTY # HE SAID ARE YOU REPORTING THIS AS FRUAD. I SAID YES I JUST TOLD YOU I READ HIM OFF WHAT IT SAID ON THE DIVORCE DECREE AND HE JUST KEPT TALKING ABOUT HOW HE DOESNT CARE AND IT WAS ISSUED BY THIS BANK IN BEHAVE OF XXXX AND I TOLD HIM IF WAS MINE HOW WOULD XXXX GRANT ME A CARD NOW THEY WOULD DENY ME..HE SAID BECUASE THEY ARE DIFFERENT BANKS AND I SAID YES BUT IT WOULD HAVE BEEN on my credit these Last 9 yrs o i looked at my report this weekend and that name has not been on there.I still get all the debt collector harassing me all these yrs over my exes bills.can I please have this removed so i can buy my house that was awarded to me in the divorce from my ex please

Company response to consumer: Closed with non-monetary relief