BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
Company: Aqua Finance, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Purchased a walk in tub in XX/XX/XXXX. In XXXX, XXXX, the heated back and hydrotherapy functions stopped working. I called for service. Between that date and XX/XX/XXXX, I called for three service calls. The final time was XX/XX/XXXX. I got no response and I sent a letter to XXXX XXXX notifying them that under the terms of the credit agreement I signed I would make no further payments until the tub was either fixed or replaced, preferably replaced. On XX/XX/XXXX, a repairman came out for another service call. On XX/XX/XXXX, someone from XXXX called demanding I set up payments by phone to cover a missed payment from a year ago as well as my XXXX payment. He proceeded to tell me that I could not withhold payments due to dissatisfaction with my tub because this was not a credit card purchase ( unlike I had been told by several other people in discussions on the phone ) and that if I didn't make this payment and a half on XX/XX/XXXX it would go against my credit and go into collections. If I refused to make payments at all because I was " unhappy with my purchase '' and it went to 120 days out, XXXX and XXXX XXXX XXXX would sue me. I had signed a secured consumer contract and was responsible ( with my husband, who I am now divorced from ) for payment. He then went in and pulled a credit report and started reading off to me all my accounts and telling me that I was paid up on all of my other accounts, and he didn't see why- if I was current on everything else- I wasn't able to catch up and pay my XXXX bill current. He even went so far as to ask 1 ) If I couldn't ask my auto loan company to wait a month so I could use the money from that to pay XXXX and 2 ) Knowing that I am now divorced

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Navient Solutions, LLC.
State: NJ
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 'm trying to pay off my student loan completely this year. Every chance I get I try to pay off a little more than monthly needed. I called in to pay with my credit card and they rejected me and said they passed a new law in  XXXX  stating we could n't pay with credit cards. No one made me aware, there were no notices sent out. Paying with a cc is convenient being that I pay off my credit card every month. Another thing is putting in your banking info  I or der to pay a loan should not be allowed it 's an invasion of privacy. I want to be able to pay whichever amount I want with any available options with that being credit, debit, or check. I am very unhappy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already successfully disputed the inquiries that were recorded on my credit report that were a result of bad faith and identity theft. I am now writing to invoke my specified remedy for the damages done to my life. The damage done to my credit report and XXXX XXXX due to the inquiries that were on my XXXX XXXX hindered my ability to make critical financial decisions for my business, which is the source of my income. The damages that were done directly impacted my health, worsened my anxiety, have taken away my time & energy to fight for my rights as a natural person, and have affected my family relationships due to the financial hardships. The abusive practices of elaborate mechanisms like Experian who assume a vital role in determining my credit standing have been tearing away at my life. It has made living this life a continuous and constant struggle and nobody should have to go through the stress, anxiety, and worry of not having enough to make it each and every month that goes by. The damages done to me are worth much more than my requested {$30000.00} and I could be adding much more to the invoice I have already sent for all the hardship that I was put through as a result of the abuse and deceit, but I will settle with the {$30000.00}. The civil liability sections under the XXXX XXXX XXXX laws that I have added into the letters I have sent protect me as the consumer and hold Experian liable to providing me with monetary remedy for the misrepresentation, abuse, deceit, and damages done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid a while back. At that time I was told that this would not reflect on my credit file. I applied for a home loan pre-qualification today and this came up on my credit report. I have been in the process of rebuilding my credit over that past 2 years. I take my  credit score a nd report very serious. I do not want this from preventing me from getting pre approved for a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Mortgage loan closed on  XX/XX/XX  and lender noted lender 's credit on closing docs.   On  XX/XX/XX  recd  XXXX  from lender noting other income. In query to lender advised first narrative that this was a homeowner grant - disputed ; then after appro x 2 pl us weeks was advised this was a origination assistance and  XXXX  was amended and reduced the amount from {$1500.00} to {$950.00} still disputed as none of these narratives appear on the closing docs and third narrative was this was as GIFT? With filing my taxes and adding the {$950.00} to my adjusted income I 'm at a loss of refund from Federal/State of approx {$300.00}.   Have requested numerous times a letter from lender explaining the situation and yet to receive. This has been disputed continually almost daily with the lender and have all history of phone calls and lender staff from the mortgage banker who initially processed the loan application to several Escalation Managers etc. without a satisfactory explanation.   Mortgage banker aware of the credit yet never aware that it would result in other income!      XXXX   XXXX   o n loan application, underwriter 's docs and closing docs show the amount of {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
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 have been in the care of my fiance ' for over 12 years in which I have been well cared for and did not have to want for aqnything notr had I any need for credit as he provided everything for me upon his insistence. My fiance ' recently died and I have been in need of housing for myseklf, so I have checked my credit with a monitoring service and have found out that my credit has been used for someone to obtain various services and products. I have files various fraud affidavits with local police, FTC, and other credit service provided to putan end to this fraudulent use of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
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: Their investigation did not fix an error on your report

Complaint:
Every month in XXXX, even after a federal lawsuit on XX/XX/XXXX, XXXX is willfully reporting wrong student loan balance to ( 1 ) TransUnion ( 2 ) XXXX ( 3 ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: IL
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 XXXX has violated my rights. 

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

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

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 2020-11-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My identity has been stolen and someone has applied for credit to : US SM BUS ADMIN ODA I have contacted them and they notified me to contact Experian to remove the application from my account

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 2019-12-19
Company: Ocwen Financial Corporation
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My home mortgage went into forbearance and was assumed by Ocwen on XXXX and then PHH on XX/XX/XXXX My mortgage went into forbearance and was assumed by Ocwen on XXXX and I struggled making payments from that time until XXXX. I began making timely payments by making payments before they were due usually at the end of the previous month. On XX/XX/XXXX, I received notice that Ocwen had sold the remaining debt to PHH a subsidiary of Ocwen and that for the transfer period of 60 days no payments would be considered late. On or about XX/XX/XXXX PHH alleged I missed XX/XX/XXXX payment, when I proved it was paid, they then claimed I missed XX/XX/XXXX payment, I have evidence proving that the payment was made to Ocwen for the months of XXXX and XX/XX/XXXX. On or about XX/XX/XXXX PHH then alleged I missed XX/XX/XXXX payment, I said I have proof I paid that the end of XX/XX/XXXX. Then on XX/XX/XXXX PHH alleged I missed XXXX payment, at that point I demanded a through payment history and found the PHH started my account in XX/XX/XXXX instead of XXXX making me a month behind although they have been paid. In the payment history on XX/XX/XXXX PHH charges me for seven ( 7 ) Certified Mail fees totalling {$37.00}, Attorney and Collection Fee 's in the total amount of {$660.00}, Bankruptcy Expense {$150.00}, Stipulation Setup {$200.00}, Foreclosure Costs {$2600.00}, Property Valuation {$450.00}, Title Report {$450.00}, Property Inspection {$36.00}, Certified Mail Cost {$4.00}, and Late Charge {$690.00}, totalling {$5200.00} all of that in just the first 30 days. PHH in essence refinanced the loan without my knowledge or consent. The house was never included in any bankruptcy proceedings so the bankruptcy fee 's are fabricated. There was never any inspections conducted and certainly no certified mail received from PHH ( in fact PHH was unable to provide a single USPS Tracking number ), I was unaware of any Attorney & Collections Fee 's that I  agreed to pay. As of XX/XX/XXXX PHH is refusing to allow me to make a payment online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card
Issue: Advertising and marketing

Complaint:
On  XXXX   XXXX , I paid {$1000.00} to my  XXXX   XXXX  card with Comenity bank. The language on the site says that payment posted prior to  XXXX  EDT will be posted the same day. On  XXXX   XXXX , i checked my account online and saw the {$1700.00} in available credit (  XXXX  previously plus  XXXX  payment ). When i attemped a transaction it was rejected. I call the customer service number and again was told I had  XXXX  in available credit through the automated system. The agent on the phone also said thay, but said it was " really '' available. I spoke with the supervisor  XXXX  in Kansas, and she said I would not have any available credit until the payment processed. I asked if there was anywhere where this was disclosed and was told no. She agreed that the wording on the website could be misleading, but I would just have to wait for the payment to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: RFNA, LP
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I get 3-4 calls a week and have for the past two years from Republic Finance looking for XXXX XXXX. I have repeatedly told them I am not him, and that this used to be his number but that it has been my number for 3 years now. I have asked them over and over again to please remove my number from his profile and to stop calling me. I do not know XXXX nor have any way of contacting him. Yet, they continue to ignore my requests and keep calling me. I have tried blocking their number but still get calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
In XXXX 2017, someone gained access illegally to my Serve account by American Express and proceeded to not only delete the funds in the account, which was {$72.00}, but also gained access to my XXXX Checking account which was used as a funding source to the tune of {$1200.00}. American Express refused to immediately close my account, as it was compromised. As a result, I had to close my accounts with XXXX XXXX and open XXXX different accounts, as my original accounts were compromised as well. American Express then blocked access to my Serve Account, responding that I had violated Section 16B of the Terms And Agreement. I have not received a refund for my account that was closed, nor did American Express protect my Serve Account from being hacked, and thus compromised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: CA
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:
To whom it  may concern at Navient 's Office of the  Customer Advocate, I would like to complain about what I believe is a misleading and predatory practice.     I was able to resolve this issue for myself but I would like to go on record with my objection to it.     I have  XXXX  student loan through Navient from classes taken a few years ago which I make monthly autopayments on.     Yesterday I paid for classes at my new  XXXX  's program via the University 's web portal with NO intention of deferring my current loans or stopping my autopay function.     Today I received an email from Navient announcing, " Congratulations, your request for deferment has been approved! Please log in to your account for more detailed information about your deferment. '' I did NOT make a request for deferment. I found this email alarming and assumed someone had broken into my account.     On my account homepage, I found out my autopay feature had been removed and there was no way to even DECLINE or RESET the deferment which was set  until 2020.      I just got off the phone with a customer service rep and had to insist he REMOVE the deferment that was preventing me from signing up for autopay.     Please add this to the list of practices that are obviously designed to prevent customers from making thoughtful decisions about their loan management and entrap them into years more of debt than they even requested.     I also sent a copy of this message to the Consumer Financial Protection Bureau.     Thank you.      XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We received a letter from  Receivables Performance Management s aying we owed {$97.00} for an outstanding bill from  XXXX   XXXX   XXXX . We called  XXXX   XXXX   XXXX   cell service  and  XXXX   XXXX   XXXX   XXXX   XXXX  and both said we do not owe anything to either division. We are concerned our credit rating will be affected for something  XXXX   XXXX   XXXX  states we do not owe.

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 2022-04-30
Company: Experian Information Solutions Inc.
State: AL
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 ACCORANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VILOATED MY FEDERALLY PROCTED CONSUMER RIGHTS TO PRIVACY AND CONFINDIANTALLY UNDER 15USC1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS.

15USC1681SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15USC1681SECTION 604A SECTION 2 STATES A CONSMER REPORTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION

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 2022-04-30
Company: EQUIFAX, INC.
State: AL
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 ACCORANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VILOATED MY FEDERALLY PROCTED CONSUMER RIGHTS TO PRIVACY AND CONFINDIANTALLY UNDER 15USC1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 

15USC1681SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15USC1681SECTION 604A SECTION 2 STATES A CONSMER REPORTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received an email saying I sent money to someone from my credit card account through paypal. I did NOT do that and I don't know the name it was sent to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-19
Company: Navient Solutions, LLC.
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a private student loan with the company Navient, formerly Sallie Mae. I was in college and my loan was in deferment. On the DAY I graduated, they sent my loan to collections. I had NO correspondence. I had called them and mailed them my change of address SEVERAL times in addition to them having my family members contact info as well. My loan was originally for {$15000.00} and now they are claiming that I owe {$41000.00} and they sent the loan to collections. I was paying the collection agency {$200.00} a month starting in XX/XX/2017, after paying on it for over 6 months, I realized that EACH MONTH Navient was still reporting on me for missing payments even though my account had been charged off from them and was supposedly closed. This has hurt my credit, tarnished my record and I am at my wits end. I have reached out to them several times, I've filed complaints, disputed the account, and each time I've been given the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed the following accounts with the CRA and they have come back verified and I them asked for a method of verification that was ignored. I am now providing proof that these accounts are not correct and that I have requested validation from the debt collector through this portal and that was answere through this portal. In Case number : XXXX with this agency XXXX refused to provide validation of the debt and the terms other then to say I owe them. If they refuse to provide this agency with the proper validation required by the FRCA how can the CRA get verification. All the accounts listed by XXXX on my credit report contains many inaccuracies that are hurting my credit report : since I have disputed them and the CRA has verified and I have requested a method of verication in writing demanding the name and phone number of the person they spoke with and what proof they received to verify this alleged debt and it was ignored I demand that all the XXXX accounts be removed at once from my report. Once again if this agency could not get verification of the debt how could th CRA per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am asking for a investigation on my credit file I am a victim of identity theft and asked the credit bureau to place a extended fraud alert on my credit file along with my phone number before extending any credit in my name because my identity was stolen so I was asked by my counsel to file a complaint before moving forward. Thanks in advance

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