BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-12
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have 4 private student loans with Navient, went to XXXX XXXX, XXXX, XXXX - XXXX. The loans I took out were Sallie Mae loans, I thought at the time they were government loans. First loan, I took out was for {$12000.00} doubled to {$25000.00} within several years ; the other were small loans {$9000.00}, and ( 2 ) {$5000.00} loans. I started paying back the loans under income repayment in XXXX with monthly allotments to present. Iam now on Social Security and spousal military retirement ; main income. XXXX  to my XXXX XXXX mother with multifaceted illnesses. Pay present monthly amount of {$240.00} to Navient. Have to renew loan every 6 months with higher and higher interest rates. Two weeks ago tried to renew loan repayment with Navient will go up to {$300.00} monthly. I recently learned from my credit report Navient has filed contradictory information that I have continuously missed payments. How can I miss so many payments when I set monthly allotments??? The problem I noticed with Navient when you set up the allotments on your credit card/debit card, the first month you start taking out the allotments always dont process with the bank. Thats the only way I figure I could have missed payments??? I need help from a pro bono lawyer to help clear my credit report. Navient is the only company on my credit report with destructive information. Iam XXXX years of age, I have intention to pay on my student debt but not beyond my means. I have to pay rent, car insurance, XXXX insurance I just need help lowering the debt some.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The following accounts listed on the FTC report were unauthorized and resulted in my social security number being used fraudulently.

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 2021-03-05
Company: EQUIFAX, INC.
State: NJ
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
( List down each account- Account name-Account number-balance ) XXXX XXXX ( Original Creditor : XXXX NXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXXXXXX XXXX****Date Opened:XX/XX/XXXXBalance : {$1700.00} XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$110.00} XXXX XXXX  XXXX Date Opened:XXXX Balance : {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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:
Right now I am worried! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request ( BUREAU ) the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXXXXXX XXXX XXXX  CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Ive reached out to all three credit bureaus XXXX Equifax and XXXX XXXX Sending letters to request an inaccurate report be taken of my account. Its been over 30 days since I first letters and Ive received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Aspen Yo LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, My name is XXXX XXXX. 

Currently, I am one payment behind with my mortgage with Gregory Funding. 

My mortgage company keep adding very high late fees. As a result I owe over {$1500.00} in late fees. I was wondering if you could help me get the late fees removed. And, have the 1 payment moved to the back of my loan. 

I have a FHA loan and I continued to pay my mortgage during the pandemic. I was never offered the opportunity to have this 1 payment moved to the back of my loam. 

I feel Gregory funding is a predatory loan company. 

Also, I have a surplus on my Escrow and I am not allowed to receive these funds. 

Thank you for your help regarding this matter. 

Have a wonderful day. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: U.S. BANCORP
State: KS
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:
On XX/XX/XXXX I was alerted to a credit inquiry by third party monitoring company called XXXX. 

I called XXXX and the inquiry did not display any additional information other than the Inquiry was being reported by XXXX. The XXXX representative said that it was likely a glitch since there were no details with the inquiry and said to check back in a couple days as it would likely " just go away ''. 

On XX/XX/XXXX I was alerted again, this time by XXXX, that there was an inquiry on my credit via XXXX. This time I created an account with XXXX and immediately froze my credit. I also froze my credit with XXXX. All XXXX bureaus are now frozen and a fraud alert has been placed. 

I then called XXXX ( who were not very helpful ) but was able to determine that a company called " ELAN Financial Services '' pulled a hard credit inquiry against my credit. I am not seeking credit, applied for credit or have done anything that would facilitate a inquiry. 

Now knowing the source of the inquiry, I called ELAN Financial Services in an attempt tp get more details. I was placed on hold indefinitely, hung up on and basically no one could or would try to assist. 

At this point XXXX says I need a report from the FTC which states that this inquiry was indeed fraud, which then starts a process to where the financial institution ( ELAN services ) will be " officially '' notified of the fraud. In the meantime, ELAN is likely processing the credit application and will approve credit for the criminals who started this whole thing. The process is so slow, that the damage is done before you can even get started to ty to stop it. 

I am asking for help here, to stop this in real-time and hopefully stop a criminal from getting a free payday. XXXX says I need a report from the FTC, but didn't/could n't tell me, nor can I find what type of report I need to get from the FTC. After I get a report from the FTC, I then need to send the report to XXXX with an Authorization letter to remove the inquiry from my report? How does this stop the end-criminal, what are the next steps? Very frustrating. 

I would sincerely appreciate any help you can provide with this issue.

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 2017-06-19
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: Account status incorrect

Complaint:
My student loans were rehabilitated and as promised defaults were going to be removed from my credit report. The student loans were sold to another company, the company that previously owned the loans still reports the student loans in a negative status, and the negative status should be completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Comerica
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have unauthorized transactions that was continously made on my account that I was not aware of. XXXX XXXX XXXX said I need to contact the merchant but I don't no the first thing to do to reach out to the merchant. you have to have the person that committed the fraud on my account information. to get any kind of info from the merchant. all i have is my card number and that isn't enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
XXXX is reporting an incorrect account status remarks from Capital one. 
Capital one should be reporting the following account status remarks " Closed by credit Grantor '' XXXX  is currently reporting account status remarks Chapter XXXX Bankruptcy. 
As of XX/XX/2018 i do not have a chapter XXXX Bankruptcy on file in my XXXX Public Records. 

Please see copy attachment from my latest XXXX  credit report to see the correct reporting status from Capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My mortgage, loan number XXXX ( under XXXX and XXXX XXXX, my grnadparents, with me as an authorized user ), originated with XXXX XXXX XXXX and then transferred to XXXX  XXXX XXXX, was finally purchased by NationStar / Mr Cooper years ago. When the mortgage transferred from XXXX  XXXX XXXX XXXX NationStar / Mr Cooper, I picked up the new Mr Cooper lien, but the old XXXX   XXXX XXXX XXXX was never removed by Mr Cooper, who is under jurisdiction to remove the lien according to XXXX  XXXX XXXX. I contacted a Mr Cooper a month ago to remove this lien and they said they would pass the request onto their research department, who I could not speak with directly. After waiting a month for a response, Mr Coopers research department finally responded to me via email only referencing the Mr Cooper lien, not the XXXX XXXX XXXX lien. So, after a month and probably 15 calls to Mr Cooper to follow-up, it turns out they did not even get my request correctly. This is gross incompetence and I need assistance in getting this resolved, so that I can more easily refinance this loan. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting 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. The list of accounts and inquiries below have violated my Federally protected consumer rights to privacy and confidentiality. Under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX Acct : # XXXX Amount : {$8500.00}, XXXX XXXX Acct : # XXXX Amount : {$400.00}, XXXX XXXX Acct : # XXXX amount : {$300.00}, XXXX XXXX XXXX Acct : # XXXX Amount : {$4400.00}, XXXX XXXX XXXX Acct XXXX # XXXX Amount : {$8900.00}, XXXX XXXX Acct : # XXXX Amount : {$2500.00}, XXXX XXXX Acct : # XXXX Amount : {$170.00}, XXXX XXXXXXXX Acct : # XXXX Amount : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 623 of the FCRA and Regulation V that a creditors must not furnish, inaccurate information to the CRA these accounts was never investigated to confirm accuracy of the above accounts. After reviewing my credit reports it is fact that under 15 U.S.C. 1681 ( a ). Prohibits the furnishing of inaccurate 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 non-monetary relief
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1982 SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to file a formal dispute regarding multiple violations that have come to my attention concerning the credit reporting practices of various creditors. These violations encompass several aspects of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

The violations identified in this dispute include but are not limited to : Incorrect high balance Inaccurate date of last activity Reaged accounts Reinsertion of accounts without proper notice Undated late payments Charge-offs listed as open accounts Collection accounts with credit limits These violations have had a profoundly detrimental impact on my life and financial well-being. Allow me to share a deeply personal account of how these issues have affected me : It is with great concern that I request the Consumer Financial Protection Bureau to enforce my legal rights and ensure that the relevant provisions of the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA are adhered to. These laws exist to safeguard consumers like me from unfair and misleading credit reporting practices. 

In light of these violations, I kindly request that the following unverified accounts be removed from my credit report : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  XXXX - Account Number : XXXX I am committed to rectifying these inaccuracies and ensuring that my credit report reflects accurate information, as I believe that my financial stability and future opportunities are being unjustly compromised. I humbly request your intervention in resolving these matters promptly. 

Thank you for your attention to this matter. I have enclosed supporting documentation that substantiates my claims and provides evidence of the violations. Your assistance in rectifying this situation is greatly appreciated. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( Credit Acceptance ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( ( Credit Acceptance ) of any sort. 

In regards to The company ( Credit Acceptance ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( Credit Acceptance ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.

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