BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-15
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Please refer to the attachment on all payments made to the collection agencies through Navient Student Loan Company. Per speaking with a representative on XX/XX/XXXX and receiving what is known as a " Statement of Purchased Account '' I was informed that my account was charged off with XXXX ) XXXX XXXX Corporate Office Address : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX from XX/XX/XXXX up until XX/XX/XXXX. Then with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX from XX/XX/XXXX up until XX/XX/XXXX. I have also been informed my account is now with a company by the name of XXXX XXXX XXXX contact number XXXX ( Rep that can be spoken with is according to the representative XXXX and the rep that is handling account is XXXX XXXX ) My issue is that XXXX XXXX XXXX is they are unable to communicate to me what my interest on the account was prior to any of these accounts being charged off or what my interest rate was upon making the 1st payment to XXXX XXXX. I will need this matter investigated. My next issue is that I was on what as known as a " Reduced Interest Repayment Plan '' with the two previous collections agencies. Upon speaking to  XXXX XXXX at XXXX XXXX XXXX ( new charge off agency 3rd one now ) he stated that my balance with them if I would like to set up payment arrangements is now XXXX. How this is possible when my balance according to the " Statement of Purchased Account '' from Naviant was {$15000.00} with a 0.01 % interest back in XX/XX/XXXX. I feel as if Naviant has unfair business practices and this matter needs to be further investigated with proper documentation on how my balance is steady jumping up with a Reduced Interest Repayment plan with the 2 prior charge off agencies. In addition I would like a valid explanation to why my loan is continuously being charged off from one collection agency to the next after attempting to make payment arrangements and pay off my debt. It's not fair that it's communicated that one large sum has to be taken as XXXX did back in XX/XX/XXXX for {$270.00} then my interest rate will be close to 0 % to have me set up arrangements then upon paying it's sold off again and the entire process has to start all over. It's not fair that when the process has to start over that I'm looking at approximately 2k in addition to what my original balance was initially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XXXX XXXX XXXX  but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: CAVALRY INVESTMENTS, LLC
State: TX
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:
In previous debt dispute letters, I have requested not to called and only to be contacted through mail. I've had to block their numbers they use to harass people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
From XX/XX/2021 to this present day Navy Federal Credit Union has refused to reimburse me {$33000.00} of Insirance Claims money I was scammed out of by a contractor that I hired. This could have been prevented if the Navy Federal insurance claim agent, XXXX who was handling my claim had taken a few short moments to request the necessary documents that would have prevented the contractor from being able to scam me. There was no request for a contract, NFCU just requested an invoice from the contractor, the Member Declaration form wasnt presented to me which in itself would have deterred the scam and also would have protected NFCU from lawsuit. Also, the inspection company hired by NFCU lied on the inspection report stating that I was satisfied with the work being done and also on his reports the question was asked if any necessary permits were pulled and he answered N/A. Which is false because my house was a total loss due to a structure fire. In the county where I live a building being repaired from such damages needs a building permit pulled from the county. Ive spoken to NFCU concerning this matter and the reimbursement of the money lost through email and phone conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We have been waiting for someone to fix our VA loan.We went into forbearance during COVID. In XX/XX/XXXX, we went into Loss Mitigation. 

All we get are apologies, but now someone took us out of loss mitigation! Now we are faced with losing our home. 

This is not right. 

We have continued to call every 2 weeks and are told our mortgage will be fixed. 

Can someone please send us the correct paperwork that honors the attached letter in our file? 

We can then begin paying on our home. 

It is extremely upsetting that nobody seems to know what to do. Yet, we get phone calls demanding we pay all of the monies from the forbearance. 

Please please fix our loan and honor the XXXX XXXX rate we have been waiting on since XX/XX/XXXX. The agreement letter is in our file and dated XX/XX/XXXX. Yet, the papers we are to sign have not been sent. 

We simply need someone to send us the correct paperwork to sign.We are told it was the fault of the VA. Then, we are told the company is short staffed. Nobody seems to know what is happening every time we talk to someone. The mental anguish and stress is upsetting. I'm currently XXXX from a XXXX XXXX  and now undergoing treatment as a late onset XXXX  XXXX XXXX. We don't need to stress of potentially losing our home. 

Please get this fixed. We have complied with all requests and yet the correct paperwork has not been received. All we are asking is that the letter dated XX/XX/XXXX and uploaded into our account on XX/XX/XXXX be honored. Then, we can begin paying our loan. 

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 2022-10-19
Company: EQUIFAX, INC.
State: LA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Two years ago, my wife made a reservation on XXXX XXXX XXXX. While taking the reservation, the clerk persuaded my wife to apply for the XXXX XXXX XXXX Visa credit card, telling her that possession of the XXXX XXXX XXXX Visa credit card would entitle her to check one piece of luggage at no charge. My wife received the credit card, never used it once and was surprised last month to receive a bill in the mail from XXXX XXXX XXXX Visa Credit Card for {$69.00}, payable by XX/XX/XXXX. She called and learned that the fine print for the credit card stipulated that after 1 year there is an annual fee of {$69.00}. This was never mentioned by the reservation clerk when she was selling her the airlines credit card. My wife promptly canceled the card. When we called XX/XX/XXXX XXXX XXXX, they directed her to complain to the credit card company [ XXXX XXXX / XXXX XXXX XXXX / XXXX, XXXX XXXX/ telephone : XXXX ]. Not surprising, the credit card in turn directed her to complain to XX/XX/XXXX XXXX XXXX. Both companies were in agreement that they were not responsible. 
We strongly protest these sales tactics. My wife would never have signed up for the card if she had been warned up front of an annual fee. We are currently using a credit card that gives us reward points. I assure you that we would never have signed up for a card with a {$69.00} annual fee.

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 2022-10-19
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Paypal Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My PayPal account shows a negative balance of {$12000.00} which I do not owe. The negative balance is a result of fraudulent chargebacks which enabled paypal to close my account which was not my fault and out of my control. I also have proof that these fraudulent customers were kicked off of online platforms due to their fraud. I keep getting numerous harassing emails from PayPal claiming I owe this debt and if I dont pay they will send it to collections. 

My PayPal email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I filed a complaint with CFPB. According to CFPB, they notified the company of the complaint on XX/XX/2022. XXXX, the company has 60 days to repond to complaint XXXX. Which it has been over 60 days. According to CFPB, the company final response was on XX/XX/2022. Therefore, all that I disputed in the complaint XXXX should be deleted 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 explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I filed disputes and they closed on XX/XX/22, XX/XX/22, and XX/XX/22 regarding the same information : I filed a XXXX  XXXX bankruptcy on XX/XX/22, initially, I had signed a reaffirmation with XXXX bank because I was hoping to still be making enough money to support the loan. I realized in the next month it was not looking good for me financially so on XX/XX/22 we filed a notice of rescission of reaffirmation. I have not heard from XXXX XXXX, despite reaching out to them on several occasions, and on XX/XX/22 a surrender letter was filled out and sent to them. They requested the location of the vehicle, which was supplied to them same day as well as the facility gate hours, and to date ( XX/XX/22 ) it has not been picked up, I have not been contacted, and they have not updated to show it was surrendered. I have made several attempts to get my credit report updated but they refuse to update it and still show all months are past due and the amount it owed.

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 2023-01-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Today I disputed an incorrect address on my consumer report with Experian. Firstly, I had to get transferred to three different people because the first people were not trying to allow me to dispute information that I can prove is inaccurate. The last representative allowed me to initiate the dispute, a few hours later, the information came back verified.. Accordingly, I can show a judge that this address is inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate the information. Using the EOscar system is not a proper investigation! Using the same information, that the furnisher of information has provided to you without doing your own investigation is not a proper investigation. Experian is not providing method of verification because it will prove they did not do a proper 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 2022-10-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I traded the XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX, with Credit Acceptance as my current lender & the lender for the XXXX XXXX XXXX purchased. I have called several times, they have called me several times. Because they have held up funding the XXXX, the dealership has not paid off the XXXX. Which is not my issue! My first payment on the XXXX is due XX/XX/XXXX, & they are STILL reporting the XXXX as an open and XXXX day delinquent account. When I called, they said they would mail me information on how to dispute. Refusing to fix the reporting. They are the ones causing the issue, which is between them & dealership. But destroying my credit intentionally telling me it's between me & dealership & I have to pay on both cars to them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12
Company: Experian Information Solutions Inc.
State: NJ
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 have been disputing items on my credit report that have already been removed but, It seems like my process has been delayed constantly. Its been months on sending a countless amount of letters to the credit bureaus to make them aware of these accounts that should be removed.

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 2022-10-19
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hyundai Motor Finance has held my title hostage. I sent in all of my required documentation by XX/XX/XXXX and have called the customer service department 3-4 times all saying it's still being processed. There is no way to escalate to the department that's holding up the title. My registration expires end of month and I need to get the lien holder off by then.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX has violated my rights.

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 a account without my written instructions 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.

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