BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I inadvertently missed scheduling XXXX and XXXX 2015 payments on the Navient website and when I realized this made payments for both months on XXXX/XXXX/15. Yet on XXXX/XXXX/15, Navient reported the loans as charged off to XXXX. To my knowledge the loans I have cosigned for have not been reported as charged off for awhile ; I have been making on-time payments for almost two years ; well over XXXX in payments. However, if the loan was already in charged of status, why is Navient reporting it to the credit bureaus as a new charge off for missing XXXX payments rather than XXXX payments were missed? If Navient has the loan status as in active repayment, how is it that the loan is charged off for missing XXXX payments? Lastly, technically payment for these loans were current as of XXXX/XXXX/15? Why did Navient on XXXX/XXXX/15 report the loans as charged off/delinquent? I would like these loans placed back in active repayment status and the charge off removed from my credit report. XXXX missed payments versus a charge off is like saying an apple taste the same as an orange.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: WA
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:
This complaint is regarding the poor service that I 've had with Navient as my loan servicer. 
1 ) I was encouraged to opt for forbearance on my student loan instead of IBR for several ( 10+ ) years when I was unable to pay my monthly loan payments. My total student loan debt, as a result, has skyrocketed and now I can barely manage my IBR payments. 
2 ) As a XXXX, I should have been allowed to enter into the Public Service Forgiveness program when I asked about it over XXXX years ago. Instead, when I inquired about it, I was told they do n't do that and that even if I did use another lender to do it, I 'd have to claim any portion that was paid off as income and pay tax on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: LA
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 've asked for student loan forbearance to help with my current financial situation. I was denied numerous times. I was given no choice but to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive asked numerous times for them to furnish proof of this debt all they are sending me as a statement a statement means nothing anyone can open an account and charge on it which would create a statement I need to know how the account was opened where the account was opened if I opened online I need the IP address of how the account was opened I need physical proof that this account is mine Ive tried to settle this account numerous times it is a six-year-old account that they purchase from XXXX XXXX they are refusing to settle the account for anything less than half Ive offered {$50.00} to get it off my credit report if this situation is not removed from my credit report I will be left with no other option but to seek legal counsel

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX, I sent Experian a notice that I wanted them to verify an account. On XX/XX/XXXX, they sent back a response saying that the account was verified. On XX/XX/XXXX, I sent Experian a notice asking which method they took to verify this information. On XX/XX/XXXX they sent back a response with contact information of the company. On XX/XX/XXXX, I sent a response asking why there were still inconsistencies within my credit report. The specific reason was that the date of last activity that they Experian was reporting was XX/XX/XXXX. XXXX was reporting this date as XX/XX/XXXX, and XXXX was reporting this date as XX/XX/XXXX. These are 3 completely different dates. 
Experian claims that they properly verified this information, so why are these dates still not matching up with one another. In addition to this unethical practice, their last dispute result explained they they " updated '' the account. The before and after dispute results are exactly the same, so there was no update like they claimed. This is costing me potentially thousands of dollars in interest due to reporting errors and unethical practices.

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 2017-01-31
Company: Navient Solutions, LLC.
State: AL
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 had a loan servicer, XXXX, now Navient allow a third party to represent my account with payments, changed address, and phone numbers. In summary I had no control over my account. It was being managed by a family member that I finally took back over after weeks of calling XXXX. During this time and now I have the means to pay and its frustrating that my account was put in forbearance so many times ( which it accrued interest ), as well as not being contacted but the third party about XXXX loans that went late for 90 days ( A huge credit hit! ). I have sent a goodwill letter to have these removed because of all the confusion, but the interest that accrued during these time of forbearance my account was placed, and the general lack of obtaining information from the sole debt holder is troublesome. I have since consolidated my debt with Navient and have my account on Autodraft, but the credit remarks are still there impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a credit card with a {$10000.00} line of credit from Santander Bank. I did not apply or ask for this card, and have no financial relationship with Santander. I have now spoken to three people at this company, and thus far no one has been able to tell me they have closed this card. They have personal information about me that I did not provide to them, like my social security number, date of birth, and address. I want them to 1 ) tell me how this card request was made and how they received all my personal information, and 2 ) assure me that this account has been closed.

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 2015-05-20
Company: DFC Global Corp.
State: CA
Product: Other financial service
Sub-product: Debt settlement
Issue: Customer service/Customer relations

Complaint:
I 've been receiving calls from a payday loan company after I 've asked them to cease and desist. They call me with different numbers from all over the country all times of the day with automated messages. I 've tried to work something out but they insist on using this method of collections and leaving voicemails.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
i requested a copy of my payment history from the time i started paying back my student loans to XXXX/navient. instead they sent me copies of my statements. I have requested a loan modification on my student loans and they said that they do not do modifications. I was never informed about a income driven repayment plan. however, I have been paying my student loan since XX/XX/2000. my balance win i graduated was like {$25000.00} and now it 's like {$2000.00}. it doesnt seem like it will ever come down. I went on the navient website today to obtain info. they have deleted my email i sent them and they have added a payment history screen that was not there before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have a dispute with an incorrect negative reporting on my credit report from  XXXX   XXXX . Account it reporting paid charge off when it should have never been reported as I was in an active dispute with the company for overcharging me in energy charges. There is full documentation showing the amount they were charging me was incorrect and after the dispute I was provided an accurate amount which I paid. This was    XXXX    2016   , when I noticed they had reported the delinquent amount as negatively on my credit report I advised  XXXX   XXXX  this was incorrect and escalated it up to their  executive level. After a review and despite the amount was in dispute and finally corrected  they continue to report it as a negatively on my credit 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 2016-09-28
Company: HOME FINANCING CENTER
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was in communication with Home Financing Center, Inc. loan servicer for XXXX XXXX XXXX XXXX XXXX regarding a refinance on an existing mortgage I have with XXXX XXXX XXXX. While maintaining communication with XXXX I strongly emphasized not to get my credit pulled until I have the facts and clean numbers on paper and then finally to review. XXXX sent me numerous estimates and finally a final draft. The final draft had so many errors I was stunned and concerned. I immediately contacted him but he was unavailable at times. When I finally got through to him I mentioned all the errors and since I was already disappointed and not trusting this institution I requested to have my request for a refinance terminated. So long story short I never authorized or gave my social security to XXXX. I immediately addressed this to him and his superiors, however everyone ignored me and nothing ever got done. I filed a report through the XXXX and they responded to me " company refused to answer ''. Then I filed a complaint via XXXX, XXXX company they use to pull credit records and opened a claim advising that my credit was pulled without my authorization. On XX/XX/2016 XXXX sent me a letter stating that XXXX XXXX XXXX got verbal authorization from me to have my credit pulled. This is completely false and not true. Now I have decided to report this unethical matter further to assist me in finally getting the unauthorized inquiry removed from my credit reports and finally put closure to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: General Motors Financial Company, Inc.
State: NH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
GM Financial 's invoice contains misleading and untrue information regarding 24/7 access to their online services. The statement reads : " Managing your GM Financial lease account just got easier ] You now have 24/7 account and payment access. Visit GMFINANCIAL.com and register for myaccount.com ''. 
Upon trying to login on a Friday night I was redirected to a site that showed the " hours '' for their online service and when it was available. This is NOT 24/7 access as claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. TRANS UNION XXXX XXXX  Inquiry : XXXX XXXX, 2019, XXXX Inquiry : XXXX XXXX, 2019, XXXX XXXX Inquiry : XXXX  XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2016-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Some of the items have already been disputed and reversed, but not all and new accounts came in after my initial look. So far, XXXX accounts were opened : XXXX - Account closed and marked as fraud. Spoke with representative who stated it was opened in person at XXXX XXXX XXXX in XXXX, Colorado XXXX XXXX - Under investigation XXXX - Waiting for documents to begin investigation XXXX - Investigation complete, account closed as fraudulent and charges are being written off. 
XXXX - Under investigation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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: Account information incorrect

Complaint:
Credit card Account balances are zero balances are incorrect not updated XXXX XXXX, XXXX XXXX, and XXXX XXXX  credit card

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 2015-08-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My mom took out a refinance auto loan with Santander Bank to lower her payments. She passed away on XX/XX/XXXX I 've been making payments to them for XXXX years. I fell behind and all I owe is a balance of XXXX. They came and took the car and I spoke to her about getting it back. She asked me if I had the past due amount I said yes. She then went on to say that she could release the car to me cause she has the authority to release it to anyone she wishes to. But she had to speak to someone and get back with me. I then said ok so when she call me back she asked it I had a death certificate I said yes and then she asked if my mom had a power of attorney I said no. Then she asked if I had gotten a executive of estate I said no cause I did n't know I had to have one. She then proceed on to say that she could n't give me the car back and asked if I had received the letter she sent out withall the extra money iI would need to have in order to get the car back. I said yes she said it 's going to take me XXXX days to get the executive of estate by the date she gave me which was XXXX XXXX, XXXX XXXX in which the car will be auctioned off. I then asked to retrieve my b belongings from the car in which I drove XXXX hour to get and I did n't have the death certificate so she said no. I then came home and called the attorney general office in which she refused to speak with the person who called. So the person told me to speak with XXXX to get a lawyer which I did. And she also told me to make a complaint against them. I have come up with the monies for this vehicle which is book value of over {$6400.00} dollars. I do n't understand why she is being so mean and rude about this situation when I clearly paid for a lot of this vehicle. I 'm going to attach the letter she sent me and. Where she comes up with the amount of the storage fee and days. Also look at what she states about having the monies by XX/XX/XXXX or its going to be auctioned off. Please help with this cause this is the only thing I have left of my mom 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Armcon Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS IS NOT A DUPLICATE - Complaint XXXX-XXXX  - was in reference to XXXX, XXXX, and XXXX not reporting Judgments against consumers ' credit reports. This complaint is about Coachella Valley Collection Service not having the authority to start collection activities in XX/XX/XXXX per California Code of Civil Procedure 673 and Section 681.020 as the XXXX XXXX XXXX XXXX  did not file the Acknowledgment of Assignment of Judgement with the court until XX/XX/XXXX. 


On XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX assigned a judgment to Coachella Valley Collection Service ( See attached Acknowledgement of Assignment of Judgment ) Coachella Valley Collection Service opened a reporting account with XXXX on XX/XX/XXXX, and started reporting a delinquency to my credit file and continued to report a delinquency through XX/XX/XXXX. XXXX and XXXX XXXX XXXX XXXX filed the Acknowledgement with the Superior Court of California , County of XXXX ( reference case number XXXX ) on XX/XX/XXXX ( See attached redacted Register of Actions ) Per California Code of Civil Procedure 673 and Section 681.020, Coachella Valley Collection Service did not have authority to start collection activities until XX/XX/XXXX, when the Acknowledgement of Assignment of Judgment was filed with the Superior Court of California , County of XXXX. 
Coachella Valley Collection Service is in violation of the Federal Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., Californias Fair Debt Collection Practices Act ( Rosenthal Act ), California Civil Code 1788 et seq., The Fair Credit Reporting Act 15 U.S.C. 1681, et seq, .The Consumer Credit Reporting Reform Act of 1966 ( Public Law No. 104-208 ( September 30, 1966 ) 110 Stat.3009-447, 2413 ) ( the Reform Act. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX County told me that they do not verify that information.

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 2015-09-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX called XXXX XXXX XXXX & XXXX XXXX told me I was being arrested & served because a debt I owed was not paid told me debt owed was over XXXX dollars & with cout cost Well over XXXX but I could settle for XXXX dollars. I was deceived into giving my info after concerns & a talk with my wife. I followed the debt & have received confirmation that it had been paid. After a few days I received a call from XXXX XXXX that payment had been stopped I told him what I found he calmed me a liar stated Marshalls were coming to get me. Now a month later another lady stated she was from XXXX the settlment had not been paid. She also stated I was gon na be arrested if I didnt pay. I told her to cease and desist I was threated XXXX last time and hung up on This was the # she called from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
To whom it may concern : I am writing to correct/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , CA XXXX also needed to correct/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX , CA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19
Company: Dyck-O'Neal, Inc.
State: AZ
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a collection on my credit from Dyck Oneal. It is from an illegal mortgage foreclosure. I do n't owe what he says I owe. I do n't owe anything. Dyck Oneal is not licensed or bonded to collect in my state. I sent for validation of the debt but they never sent me anything, yet they continue to report this on my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Went through a divorce was left to pay all bills fell behind had to move some utility 's got cut off and could n't afford to finish paying loan only had enough for rent to make sure me and my kids had a roof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation