BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-10
Company: Navient Solutions, LLC.
State: WI
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 consolidated my student loans in XX/XX/XXXX ( after finishing XXXX ) in order to begin paying them off. I have been paying my student loans back now for 14 years ( currently {$740.00} a month ), have never been late or missed a payment, and worked for 9 years at a XXXX ( i.e., XXXX XXXX ), and now work for XXXX. at the XXXX XXXX XXXX XXXX XXXX XXXX where I have been employed for 4.5 years. However, I recently learned that I do NOT qualify for any student loan repayment programs since my loans are a consolidated FFELP. I was never counseled when I consolidated my loans with then XXXX XXXX ( now Navient ) about the difference between how my loans are consolidated and the benefits of a direct consolidation, which would have made me eligible for student loan forgiveness this XX/XX/XXXX. Do I have any recourse? My income is not bad but this {$740.00} a month is a huge amount that is making it hard to stay caught up and save. I feel I 've been prayed upon by these companies as I still have {$110000.00} left on my loan that was originally around {$170000.00}. 
I attended California XXXX XXXX XXXX XXXX, XXXX XXXX where I graduated with my XXXX XX/XX/XXXX. I subsequently did a 2-year XXXX and 2-year XXXX prior to reconsolidating my loans in XX/XX/XXXX. As I mentioned, I have never been late or missed a payment on my student loans, am XXXX years old, and was very discouraged when I recently realized that I do NOT qualify for ANY student loan repayment option unless I reconsolidate my loans again into a direct consolidation. Ironically, I just recently made the final interest payment on my loan. So, now just the principal is left. So, refinancing is tricky. But, if I do n't refinance, I 'll be paying {$740.00} a month until I 'm XXXX years of age. Needless to say, I am still renting an apartment as I have not been able to save enough to by a home. Additionally, after not missing my first four years of payment, XXXX XXXX ( or it may have been a different company at first but then went to XXXX XXXX and then to Navient ), my lender reduced my interest rate to 1.85 %. However, when it went to Navient, my interest rate somehow jumped to around 4.3 %. It is now back down to 2.75 %. Please help if possible. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I can not keep up with the payments. When I first graduated I was unable to pay because I was looking for a job. Navient offered me deferment and forbearance options I took them. Now I am unable to pay because the interest was so high that my payments are {$1300.00} a month! There is no way that I can pay {$1300.00} a month, plus my rent, utilities, car payment ... on a XXXX salary. What started as a XXXX loan amount has mushroomed into a XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This collection appeared on my credit report and it does not belong to me. I have not received any bill or notification.verification of this debt therefore I need it removed from my report. 

COLLECTION SERVICE OF ATHENS Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/2019 Original Amount Owed {$49.00} Amount COLLECTION SERVICE OF ATHENS 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 explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Equifax to have two inquires removed from my account and they said it was verified and they cant remove them. They instructed me to file a report with cfpd. By law these inaccurate inquiries must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Experian Information Solutions Inc.
State: NV
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/2021, I sent out a dispute letter to Experian in regards to inaccurate reporting on my credit report on both XXXX XXXX credit card accounts. By law, according to the Fair Credit Reporting Act ( FCRA ), I should have received a response within 30 days or less which I never received. On XX/XX/2021, I sent out a demand to comply letter to remind Experian to respond to my dispute letter and I still have not received a response to date.

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 2021-08-07
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is a follow up to my complaint I made last year ( XXXX ). Hyundai Motor Finance did the same thing to me again this year. My bill went up by {$2.00}, but the auto bill pay didnt adjust until a month later, leaving me with late fees.

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 2017-02-17
Company: Nationwide Recovery Systems, Ltd
State: MI
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:
I have recieved over 40 calls to pay a debtthat I do not owe to a XXXX company. The collection agency is Nationwide Collections. The debt is {$46.00} and they said they would settle for {$26.00}. I do not owe anyone any money. My credit score is in the XXXX and I pay all of my bills. I am tired of gettng these calls, day after day. The phone number is XXXX. XXXX, I think, is a company that sells face cream online. That order was cancelled because I sent the product back to them. So why should I pay them for nothing. I never ever heard from XXXX for a debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification with my loan service at loan care in XX/XX/2021. I was previously on the covid 19 forbearance plan. I was told by a representative after calling into this company that my loan modification was approved and the new mortgage amount was modified to {$1300.00} and the payment was not due until XX/XX/2021. I was also told to look out for documents in the mail which was my loan modification agreement and was instructed to have the documents signed and notarized and sent back to the company. I did as I was told and in XXXX I called to make the payment and was told that my loan is no longer XXXX and the new amount is {$2100.00}. I was told that I was approved for the partial claim loan modification and I must adhere to the terms of my loan modification agreement. When I pointed out to the services that The language in the loan modification agreement that I signed does not match the partial claim loan modification plan they acknowledge the error and keep telling me that they are evaluating my case and expedited it to a supervisor for review and corrections. I have asked this company to provide all documents pertaining to the partial claim loan modification including the promissory note for the partial claim portion of the loan. To date I have not received it. I am concerned because although the company is telling me verbally that I have been approved and is reviving the covid 19 partial claim loan modification my new mortgage pay reflects that I am on a regular loan modification and not the partial claim loan modification. In addition I have not received as per request proof from their company that I am receiving this partial claim loan modification. Please help me with obtaining proof that I am in fact on the partial claim loan modification In written form so that I can see how my loan was changed. My name is XXXX XXXX my loan number is XXXX. I can be reached at XXXX, Thank you

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 2018-08-10
Company: DISCOVER BANK
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had a fraudulent purchase on my discover card at XXXX. I filed police reports and the police indicated that I was scammed through a known scam. I provided this information to discover card and informed them I was not paying the fraudulent charges. I provided a follow up letter when they refused to stop harassing me. I sent this letter asking them to stop contacting me by return receipt certified mail, return signature receipt, in XX/XX/2018. I received the return receipt showing they signed for the letter on XX/XX/2018. Discover card agents have called me repeatedly since that time. I mailed another letter to them telling them not to contact me. This was also sent by certified mail, signature required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: NC
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 refuses to remove from credit report. Identity proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: XOOM CORPORATION
State: AE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
TOTAL DEBT : {$100.00} I owe to them for sending money using their services THEY CLAIMED I have been getting phone calls and emails from www.xoom.com attempting to collect the above debt. 
They have blocked me from my account and I have not been able to log in for the past 30 days. 

I have called and email them several times this week : XXXX to XXXX XX/XX/2021, only to be asked for information from my account only to tell me it is wrong, but fail to provide any other way to give me access to my account so I can pay off the above debt. The phone attendants from the PHONE CALL CENTER continue to act like they have no idea who I am and tell me my information is incorrect only to deny me access to my account or even pay OFF THE DEBT OF {$100.00}. Yet, I continue to receive emails threatening me to report me to a credit collection agency and stating that I should call this number immediately : XXXX. Every time I call the number, they run me through the same loop again, questions after questions and they claim none of my information is correct and therefore they can not even take my PAYMENT for the collection of this debt. I have talked and called 7 times today XXXX XX/XX/2021 and THEY give me the same threatening conversation. 

I, XXXX XXXX XXXX, have been a customer for over 10 years with this company and now they refused to help me and actually pay what they claim is a debt I owe them. I am willing to pay it but I am afraid they will report me to a credit collection agency on purpose to hurt my CREDIT HISTORY and illegally charge more money. my email address is : XXXX, my phone number is XXXX ... .I am a XXXX serving the United States XXXX XXXX and of course they my already know this and may be attempting to fraud me. I can not believe this is the way they treat loyal dedicated customers like me after 10 years of membership. I believe other XXXX like myself may be undergoing same similar situation as every time I call their service phone center, the ladies there even laugh at me since they knew they were just not GOING TO HELP. 
I have been harassed, laughed at, lied to and given the wrong information since they keep on denying me access to my own account I held for 10 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hello, my name is XXXX XXXX. I am a natural human being and I have rights under 15 U.S.C. 1681. I am submitting this CFPB complaint to address the Credit Reporting Agencies, XXXX, XXXX and Transunion, to request the complete removal of incorrect and unverified information from my credit report. I have been sending countless letters requesting XXXX, XXXX and Transunion to remove the item from my Credit Report. Yet, they have done nothing to resolve this issue. FCRA Section 611 ( 15 U.S.C. 1681 I ) states inaccurate and non-validated information MUST be deleted from the consumer 's credit report in accordance with paragraph ( 5 ) ( A ). I ask CFPB as a last resort for help addressing this ongoing negligent matter. I wrote to the original creditor and the 3 bureaus disputing the accuracy of the improper account mentioned below which is negatively affecting my credit accounts. The accounts are being reported as a result of an error and it's damaging my reputation. According to the Fair Credit Reporting act, the account with XXXX XXXX ( account number : XXXX, Open Date : XX/XX/2022 ) has violated my federally protected rights. I had no other choice left, but to submit this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting negative information without sending me copies of original documents as proof of verification, please understand that I will initiate legal action. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I have never given any instructions to this company to furnish this account. 
15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Checking the reported account, it has missing information reported in XXXX, Transunion, and XXXX. The information does not match across the 3 bureaus and it's not reported correctly. Account name, Status, Status Updated, Balance Updated, Monthly Payment, Past Due Amount, all these are reported differently and incorrectly and its missing information. These are clear violations of my federally protected consumer rights.

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 2023-05-06
Company: Experian Information Solutions Inc.
State: IN
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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00}

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-02-01
Company: Green & Sons Agency, Inc.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I missed maybe two payments to XXXX  XXXX XXXX last year between XXXX and XX/XX/2022. I was good at making monthly minimum payments and once I missed a few they would repeatedly harass myself and my husband and call numerous times of the day. I went to make a pament but my account had got shut down from the online payment option and I could no longer just call and pay it off over the phone to XXXX  XXXX XXXX, they put the small amount I had left in debt collection and then from there I was continually harassed by Outsource Receivables Management. I tried to call today to just pay it off, but there was going to be a fee of {$7.00} ( I think ) to pay over the phone. I do not think that is fair at all, I have also been charged interest because of the lack of payment and I do not find that fair considering I have tried to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Bread Financial Holdings, Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I just tried to submit a dispute with XXXX  credit reporting agency. After filling out all the information they would not accept my dispute. I tried to dispute an account .... express next credit card ... that is reporting as delinquent. I purchased something from this company back in XX/XX/2020 I used a gift card they had sent me there was nothing charged to my card. However I received an alert that this account was being reply as delinquent I called customer service today to find out what is going on. I was told yes the gift card covered my purchase and there was a {$8.00} balance showing on my account that accumulated late fees which brought my balance up to {$40.00}. The representative didnt no why I was charged this as well but I was advised pay {$12.00} and she will waive the late fees. I didnt understand why I even had to pay the {$12.00} to begin with but I paid it anyway. Now on my XXXX  report its showing as delinquent. This is not right as it caused my score to drop and they wont let me dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX Apartments continued to charge me after I moved from their property in which they filed an eviction on me for late rent. Rather than have an eviction on my record, I decided to move out and found another place to move in on XX/XX/2015. XXXX continued to charge me through the month of XX/XX/XXXX even though I no longer resided at the property. When I received documentation from them on the balance due, I immediately inquired about it to the property and they claimed that 'because I did n't turn in the keys ' that they were still charging me. I provided them with a copy of my new lease and the property manager advised that the only way for them to stop billing me was to return the keys and sign a form even though THEY were the ones who initiated the eviction process. After looking through the running charges, I noticed that they not only charged me for rent and utilities after I moved out, they also charged me to replace the carpet although we never did a move-out inspection nor did they ever provide any information on anything in the apartment being damaged enough to replace and subsequently charge me for. Based on the statement, XXXX illegally charged me for the apartment for anything after XX/XX/2015. They unlawfully swindled me into believing that the charges were valid and that the only way to close out my lease was to return the keys when in fact they replace all locks after a tenant moves out. They also had replaced someone into my apartment at the same time they were charging me resulting in double revenue illegally. I have requested this be investigated further as they are reporting that I owe {$7000.00} in unpaid charges for the apartment, however, {$6000.00} of that amount is due to overcharging and supposed utility bills that the property never provided bills for.

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