BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-16
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
From  XXXX  until  XXXX , I was advised by   XXXX   XXXX   that if I was struggling to make py monthly payment, the only option available to me was a deferment. I had even questioned numerous times about making smaller payments and was told that the company can not do that and that it would be pointless to make them on my own because it could cause issues with the deferments. In early  XXXX , i was advised I could no longer defer and had to make full payments. I was unable too. In  XXXX  of  XXXX    XXXX   XXXX   advised me that my loan was going to default and be sent to collections. After speaking with numerous people one representative send me a financial affidavit to send back requesting assistance. I sent in that package a total of three times over two months. Every time I called to verify receipt, I would either be on hold for extended times or transferred to the same person who called himself  XXXX , who would advise me that it was never received. In  XXXX  of  XXXX ,  XXXX  told me again my information was never received and that my loan was officially in default and there was nothing that could be done. A total of {$27000.00} was charged off. I immediately called the collection agency who was handling the loan and made a payment arrangement to bring the loan out of default. They also advised me of the income based repayment program that was available for me to apply. While the loan was in default, a collections charge of {$8400.00} was added to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: AR
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 is reporting a {$27000.00} balance on my account, and showing it as a charge off on all XXXX major credit bureaus. My online XXXX account shows they received over {$14000.00} for my vehicle that was illegally repossessed. It shows the payment posted on XX/XX/XXXX, yet on XX/XX/XXXX they also again reported a {$27000.00} charged off balance, instead of the {$9000.00} balance that my XXXX account shows. They also still have not subtracted my service contract amount of {$3500.00} that I was not allowed to use, never used and never received paperwork on. I have disputed this since I purchased the car in XXXX because I was forced into it after being told it came with the new car purchase, which is deceptive practices. I was never notified of the sale of my vehicle either. I want XXXX to completely delete this account from my credit report immediately since they have continually reported wrong information and refused to fix it. There is no reason that they should be allowed to continue to cause me further financial and credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On or around XXXX of XXXX I sent XXXX Mortgage a packet of information describing how my identify was stolen to create a refinance mortgage by XXXX mortgage bankers. I also sent them the expert hand writing expert report showing that my signature was forged upon the documents. I also filed a Chapter XXXX bankruptcy in XXXX where as my mortgage debt was discharge in Bankruptcy court. I also made JP morgan chase aware of the bankruptcy of the discharge mortgage. They still have been contacting me to date about the debt and attempted to foreclose on my home in which at the time of the Bankruptcy they had no legitimate lien to the property. They also have " NEVER reported any of payments to any of the credit bureaus of the payments that I have made on my home. My identity was stolen, they are attempting to collect a debt I don't owe and I was never credited for any payments on my credit report from the purchase of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On this date XX/XX/2022 AFNI open a collection. 

{$240.00} that I own I have never signed any written documents saying that I own this to the collector. 

They are violating my right of the FCRA as a consumer. 

I do not know who they are and I have not written consent from my end. 

Also, they not verified that I own this debit to this alleged company. 

Please have this removed from my all the three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Bliksum, LLC
State: VA
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX, my servicer is Nationstar mortgage XXXX mr cooper, I am working with a certified HUD counselor who has been mediating between myself and the lender, the lender agreed to allow payments from a local county grant in the city of XXXX ca to send a {$12000.00} payment and, said I can also send in {$5000.00} to lower my balance so I could qualify for a state grant called California mortgage assistance. The lender said they would hold the monies in a suspend account and would not send it back, they asked that we place it to the attention of XXXX XXXX we have complied, on XX/XX/2022, I received a notice from the lender stating they have returned the monies sent to the local grant distributor, after an agreement was in place by the HUD counselor and the lender, saying they would hold it, this is the 2nd time monies were returned. I am trying to save my home and the lender has made it very difficult for me to resolve the past due amounts. I need to get this resolved each day we wait makes my account further past due. I also sent an additional {$5200.00} attention XXXX because a new payment was due. total sent $ XXXX by the city if corona- was returned by lender {$5000.00} sent by borrower- lender said they don't have it, although it was sent to XXXX XXXX per their instructions $ XXXX sent by borrower- lender said they don't have it, although it was sent to XXXX XXXX per their instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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: Problem with personal statement of dispute

Complaint:
In XXXX of XXXX I opened applied for an account with XXXX Credit or which is also known as XXXX XXXX. I thought that it might be a way to help out my credit score since I didnt have any credit cards at the time, only a vehicle loan. But unfortunately I was informed that XXXX Credit did not report to any credit bureau. Now however I did learn, from a recent call back to XXXX Credit, that they are now reporting So in turn I did not use the account. About a month ago I got an email from XXXX XXXXcom informing me that my Transunion score was dropped by 37 points and my XXXX  score had dropped 89 points due to XXXX Credit closing that account for inactivity. Then I filled disputes with Transunion and XXXX  hoping that those points would be reinstated. XXXX  reinstated the points but Transunion did not. 

I feel that this isnt right. I understand that closing credit accounts hurts your credit score but under the circumstances at the time of opening the account they did not report. As stated above, I recently found out that XXXX credit did not start reporting credit activity for any account until XXXX. I spoke with a Transunion representative today, XX/XX/XXXX, and was told that there isnt anything left they can do and that if I wasnt satisfied with their dispute results I could file a complaint here.

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 2021-08-06
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have recently reported the fraudulent transactions on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AN XXXX XXXX XXXX I noticed that you only removed them from 2 credit bureaus and not Equifax also. These were all fraud transactions and I am a victim of identity theft and would like these incorrect inquiries removed immediately off my credit report. I never authorized those accounts and my name is misspelled on the accounts. I was young and knew nothing about these transactions there is a balance of over XXXX $ in fraud trans actions with my ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Wells Fargo, the servicer of my mortgage loan, to consider removing the PMI. I was told that I had to order an appraisal and they would send me documentation to do so. I then consented to the appraisal cost, which was quoted at {$550.00} for a XXXX XXXX  XXXX  in XXXX, Tx. It seemed high, but I was told I had no choice in the appraiser, I had to go through their company, XXXX. I did so, and paid {$550.00} on XX/XX/2021 and was told I would be contacted to set up the appraisal. 

On XX/XX/2021, a rep from Wells Fargo called, not to schedule an appointment, but to tell me that the actual cost of my appraisal would be {$960.00} and that I needed to pay the difference before anyone would come out. 

I feel there are 2 issues wrong with this scenario.

1. The cost is about 3 x what my realtor and other mortgage sources tell me it should be 2. I have no choice of appraisal companies, several of which will only charge {$300.00}. The highest quote I got from a local company was {$590.00}. 

I am told by Wells Fargo, pay up or continue paying your PMI. I do not feel this process should be legal.

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 2023-07-12
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:
Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this Law because I am a victim of identity theft! Please delete those items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! under 15 U.S Code - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX | XXXX XXXX, XXXX XXXX  XXXX of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XX/XX/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
Consumer complaint received 2023-02-15
Company: Kriya Capital, LLC
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have for the last year trying to resolve some high medical bills for XXXX XXXX and Billings Clinic. XXXX XXXX, XXXX. sent me to a collection agency. I do feel that they were paid but they refuse to investigate it. I was never mailed a bill from them letting me know that there was a balance on my account until the collection agency contacted me in XX/XX/XXXX. Now XXXX refuses to speak with me so that we can get this resolved. Initially they billed the incorrect insurer who was not the primary and were denied by XXXX  ( secondary ). I can not see where they billed XXXX at all under the name XXXX XXXX XXXXXXXX. There is a match on my claims for XXXX for the amount that XXXX is saying I owe. I believe they were paid. 

The real problem stems from XXXX XXXX and XXXX XXXX XXXX XXXX of Wyoming updating my Coordination of Benefits. I have a primary and a secondary. They are both refusing to pay medical bills to XXXX XXXX, XXXX and Billings XXXX. At the time XXXX was my primary insurance and XXXX  was secondary. I have tried for the last year to get this straightened out by mail and by phone. Nothing has worked to get this fixed. 

I do have documentation that I will also be sending. It's rather confusing so I will try to shed some light on this. These amounts don't match up exactly I think due to a plan discount. XXXX billed different amounts to XXXX and XXXX.??? 


XXXX XXXX billed XXXX for {$19000.00} on XXXXdenied because XXXX was secondary insurer. I do not see where XXXX re-submitted this for a claim. 

Originally XXXX denied the claim of {$21000.00} - ( {$1900.00} plan discount ) = XXXX on XX/XX/XXXX. The claim shows that the bill was submitted by XXXX XXXX XXXX not XXXX XXXX. It was denied because they did not think they were the primary insurance when in fact they were. I am clueless why the claim was not submitted under their name and under XXXX XXXX XXXX. 

Another claim was submitted to XXXX from XXXX XXXX Montana on XX/XX/XXXX for {$21000.00} - ( {$1900.00} plan discount ) = XXXX. This claim was paid on XX/XX/XXXX. XXXX XXXX was paid. I am clueless why the claim was not submitted under their name and under XXXX XXXX. Personally, I think that they must have done the billing for XXXX. I am not sure exactly the relationship between the 2 companies, but I do know they work together. XXXX is an air/ground ambulance service and XXXX  is a hospital/healthcare system of sorts. I have called both XXXX XXXX and XXXX XXXX to ask what the relationship is between the 2 but I wasnt able to find anything out. 


The other high bill is for XXXX XXXX $ XXXX. XXXX and XXXX has paid them nothing. They each claim that they are not the primary insurer. I think once the coordination of benefits is straightened out XXXX XXXX may need to re-submit the claim and finally get paid. I am afraid that they soon will turn me over to collections as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I justified recently received a copy of my equifax credit report I noticed there are a few accounts that are not reporting my history. They are showing no historical payment information since XXXX XXXX. I would like to have my historical payment history report. Some accounts are XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any accounts listed in ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Inaccurate Addresses : XXXX XXXXXXXX XXXX, MT XXXX, XXXX XXXX XXXX XXXX, VA XXXX and XXXX XXXX XXXXXXXX XXXX, MT XXXX ; ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-08-05
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with Discover Bank on XX/XX/21 and even had to call in to do a verification call with them. At no time even when calling in before the account was opened did they say anything about an account I had from a few years ago that was closed. NOTHING!!! So I was not even aware of this account, well two days later the froze the account and closed it because of this old account. Now mine you I had deposited a settlement check I had gotten from an insurance settlement. This check was to be held for 7 days, which was fine since I just wanted the money for savings. Well I called when I got the text about the account be frozen and was told it was closed and most likely the would just reverse the check deposit since it was still pending, I of course did not believe this and called XXXX where the check was drawn from and was told the check had been cashed already! SO I called discover back and was told so rudely oh yea well we will mail you a check after it has been 60 days! What! Oh yes its are policy to keep customers money to make sure everything is ok. Really OK with what! The account had only one transaction and it was the deposit, its been 2 days! Well he said so sorry too bad were keeping your money for 60 days then we will mail you a check and it will take another 2 weeks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Trans Union and XXXX are reporting inaccurate info for the same account on my credit report. 

TransUnion- Balance is XXXX XXXX- Balance is XXXX TransUnion- Payment Status is collection/charge off XXXX- Payment is 120 days late TransUnion- Monthly Payment is XXXX XXXX- Monthly Payments is XXXX TransUnion- Last Date Active- XXXX XXXX- Last Day Active XXXX TransUnion- Date Of Last Payment XXXX XXXX- Date of Last payment XXXX. 

Here is the list of inaccuracies that have been posted on my credit report for the same account i have sent TransUnion and XXXX both 2 letters certified about these inaccuracies on my credit report an they both have fail to delete the account

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