BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-16
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I had a plan to pay my loans every month for a certain amount, I 've done that. I always make my payments and yet they tell me I 'm late charge late fees call Day and night call family that does n't even have their names on the loans. They harass me all the time, they text me with fake information to try to get me to call them they call from random numbers with lies about things to trick me into call them. I had an agreement with the company from the start I have proof to show this agreement. I 've called them I 've emailed them, at first they acknowledged this and they stopped then they started all over again. My payments are n't even being applied to my loans I just get charged late fees every month even though I am paying every month. This company is stealing from me and other people and they do whatever they can to get money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: CREDIGY USA CORP.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am attempting to close out the estate of my deceased father. He had  XXXX  judgements placed against him. I   am trying to pay them in their full amount through the sale of his house. However, one of the companies, Main Street Acquisitions, refuses to provide the title company with a pay-off amount. This is resulting in the inability to close the sale and the inability to close out the estate.
<P/>
I, and the representative from the title company have been trying to get an answer from Main Street and are facing a stone wall and feel like the sale of the house is being held hostage to their ineptitude. When we call Main Street we are told that they are trying to place the debt with a servicer and that they have escalated with their dispute resolution department. We are not trying to dispute the judgement or the amount of the judgement. We are merely trying to pay it, but they will not allow us to.
<P/>
The result of their unwillingness to provide the pay-off is that now my house buyer is wanting to charge me {$370.00} per day ( including weekends ) since this has caused us to miss the contractual closing date and if we can not resolve this with Main Street, I will lose the sale of the house in 14 days.
<P/>  I expect that this will absolutely cost us this sale and do not see why future attempts to sell the house would ever lead to a different result which means i ca n't sell it and ca n't close out the estate.  <P/> I am merely trying to honor the financial obligations that my father created. I am not trying to negotiate the amount of the judgement at all. I am begging them to just take the money that is owed and let us proceed with the sale. They do not appear to be interested in doing this. Due to real estate market timing, I do n't believe that subsequent offers will be as high as the one I am desperately trying to close right now. Their actions very like are now causing financial damages to the estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: NY
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 never applied for any student loans. I deny all financial responsibility under penalty of perjury for any student loans including XXXX. The student loan accounts on my credit Profile are a result of fraud. Ive requested that a fraud packet be sent to me and have never received one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 been having a very difficult time getting feedback from this credit agency. I have sent in the needed items, such as copies of driver license, birth certificate and current utility bill, to verify the items on the credit report are inaccurate. TransUnion is verifying items with personal information that is incorrect, which means it should not be on the credit report. This has caused my family and I great duress. I have gotten denied for housing, paying higher fees due to this inaccurate information. 

The Fair Credit Reporting Act, under 15 U.S.C. Sec. 1681i ( a ), TransUnion has failed to investigate and verify these items within 30 days. To also prove there was an investigation performed and just wrote of as an investigation.

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 2017-06-16
Company: JPMORGAN CHASE & CO.
State: IN
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 made a payment on XXXX XXXX of XXXX to chase XXXX XXXX XXXX I was reported late XXXX XXXX I immediately made a payment once I realized I was reported late. I have never been late before this seems like a fraudulent late charge and negative reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: DISCOVER BANK
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Discover was billing me for one of there products ( wallet account protection ) without my knowledge. They also went to paperless billing and I never saw any statements. As the owner of the account no effort was made to contact me. The fee was for less than 19 dollars and is affecting my credit score. I've made multiple attempts to clear this up. 
XXXX ( Supervisor ) - stated he was working to get this corrected. He is no longer with the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
My XXXX XXXX card says closed. When I call XXXX XXXX  they tell me it is open. I was told that if I make payments on time that my account would reflect. My company list work due to covid. I called. And was told my account would not show any late pays. But it does XXXX XXXX XXXX XXXX XXXX is not suppose to show late. And XXXX shows closed this is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've submitted many complaints against the credit bureaus. THey have not been sticking to the 60 day investigation time-frame investigation put fourth by the CFPB. Each complaint they respond that they will notify me in 60 days, to this date i have received no results into the 9 complaints I have filed. I am filling again. I have attached both my 609 letter disputing the inaccuracies. as well as my demand to comply letter written by my attorney. We will be filing a lawsuit against all 3 companies, if the results of this complaint are not satisfactory.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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:
I am XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.

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 2020-06-22
Company: Experian Information Solutions Inc.
State: GA
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:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX XXXX # XXXX {$440.00} Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX XXXX # XXXX {$440.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF  # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX XXXX # XXXX {$440.00} XXXX XXXX # XXXX {$23000.00} Inquiries : XXXX/XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-09-10
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reviewed my credit report on XX/XX/22 and noticed there were some recently added derogatory accounts from collections agencies and I believe this is a result of identity theft or fraud and these collections are not mine. XXXX XXXX XXXX for {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX for Receivables performance {$1000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX wa XXXX. 
Froze reports for XXXX, XXXX and XXXX XX/XX/22 and disputed with each credit reporting agency.

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 2017-06-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Started many programs with Navient to which each year something changes. This time was n't aware the income based repayment program had to be renewed each year. Now they 're telling me that I have to add {$420.00} dollars in interest more to my loan in order to forbearance or it takes 15 days for them to renew my terms. I 'm not trying to keep sending my information every year, I 'm frustrated and want to hurry up pay off my loan. I 'm tired of paying fees and paying for these loans and they are not going anywhere, just seems like they are adding up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to get my home sold on a short sale for 21 months. I keep submitting complains and they respond but it is not resulting in an approval letter for any of the short sale offers being Approved. The latest issue is the bank did a BPO about 2 months ago and it came back at XXXX and we had a short sale offer for XXXX and the bank rejected the offer saying they want a counter offer. How can you reject an offer on market value and you are the one that determined the market value? This is outrageous! The other issue is that it take almost 3 or 4 weeks to get an approval or rejection letter. We have already lost one buyer because the approval process takes so long. We just submitted it again today ( X/XX/2017 ) telling them that the buyer is not going to pay over market value for this property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
secure american express employees have been holding over five hundred dollars of my money now for over a month and every time i try to call them i get hung up or placed on hold and when i finally get someone on the phone they say they have not gotten my documents when i have emailed them to them twice and faxed it once and also had technical support upload them once for me yet they continue to say they have not recieved them. and when i originally contacted them about the issue when the charges were still pending they wouldnt stop the charges from going through and now im struggling to get my money back and keep being mistreated and ignored and lied to by the staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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: Public record information inaccurate

Complaint:
my bankrupt date is incorrect this bankrupt is over 10 years old please remove from 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 non-monetary relief
Consumer complaint received 2020-04-22
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on my apartment door that I would need to vacate apartment by XXXX the XXXX or face eviction. I moved out of XXXX XXXX XXXX  XXXX XXXX 2019. 

I emailed, and called XXXX XXXX to let them know I would be leaving on XXXX the XXXX. 

I talked to the apartment complex manager XXXX XXXX who assured me I owed nothing. And I could leave before XXXX, XXXX. They just wanted me gone before above date. 

I received a letter from hunters warfield explaining I owed their client XXXX on XXXX, XXXX. I was shocked. 

I asked for validation of debt .I received a reply back. I was mailed a document saying I owed XXXX rent. And that XXXX XXXX   reimbursed the apartment complex for part. Hunter warfield says amount I still owed is XXXX I owe nothing to anyone. I payed last month rent in XXXX XXXX. Ive showed Hunter warfield email to XXXX XXXX stating I would be leaving in XXXX XX/XX/2019 I showed them payment on XXXX. 

From this point Ive been getting the run around. Hunter warfield says contact XXXX XXXX. XXXX XXXX says I have contact apartment complex. They however do not pick up ( try for yourself to see if you can reach XXXX XXXX  and someone actually pics up ) Ive however left messages with apartment. They will not call back. 

Ive disputed debt with XXXX. Hunter warfield told them I still owed debt. It is on my credit report. 

I refuse to pay a debt that I did not make. This is very disheartening that one can be lied on. Your credit score, your credit reputation destroyed over a lie.

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 2020-06-22
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wilshire Consumer Credit is the holder of my auto title loan. I also learned as I went along in this journey to my dismay that they are also an agressive debt collection agency. I am usually paid up to date for the past year of this loan of about {$5500.00}. But sometimes Im a month behind but I always make an effort to catch up that I always do. Im presently as of XX/XX/2020 a month behind. The virus crisis has not helped the situation as Im unemployed. Im at the mercy of my unemployment check which comes sporadically and not routinely. Im waiting for my unemployment check to catch up. I will not default on this loan, I got this, I dont know what their problems is. 

They relentlessly set their phone dialing machines to endlessly call me and even when I pick up the phone theres no one there on the line to respond. They even call during meetings and in front of my clients for Wilshire not to not see that by doing this they create an environment that is not conducive for their loan customers to earn money to pay for their loans. These people are horrible! They truly are debt collection pigs! Inconsiderate and selfish! 

They will get their XXXX money! They need to be patient, when I get the unemployment check theyll get paid. This is why I gladly pay late charges, thats the cost I pay for the risk they entailed under the circumstances we mutually agreed when I signed for the loan. Thats why I pay a higher interest rate, they knew who they were lending money to! If theyre not willing to put up the risk, then they shouldnt have given me the money!! Ill gladly pay the late charges, unfortunately, the financial industry sees these late charges as strictly punitive, and that has to change with the new realities we face with this economy! Enough!!! 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 2022-09-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Chase Bank XXXX XXXX. I made XXXX payments in XXXX ; my regular payment, plus an addition {$5000.00} which was to go to principal. In XXXX Chase XXXX credited this second, additional payment to the principal. Then showing my principal balance of {$1700.00}. I have a printout dated XX/XX/2022 that shows my principal balance of my vehicle was {$1700.00}. 
I then went online the following month, XXXX, to make my regular payment, and Chase Bank XXXX, reversed my {$5000.00} principal payment and counted it toward my XXXX payment! Now they show my principal balance is {$6700.00}. 

We all know they did this intentionally to put more money ( interest ) in their pockets. 

Please help. Please investigate Chase Bank! What they did has to be fraud! This bank is taking advantage of people!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent Equifax a dispute letter requesting inaccurate accounts be removed from my credit report file. I never received a correspondence back from Equifax. On XX/XX/XXXX I sent another dispute letter for inaccurate reporting accounts on my credit report/file. It has been over 30 days and I haven't received any correspondences/reply from Equifax for these as well. I mailed another letter on XX/XX/XXXX stating I haven't received correspondence from them and to please delete the accounts listed in the letters for violation to respond within 30 days

Company response to consumer: Closed with explanation